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Security report for rerum.cz

Rerum Finance s.r.o · Finance · Czech Republic

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

54/100

Risk levelMedium

0–100, higher is better. How it is calculated

Rerum Finance s.r.o operates the website rerum.cz, providing fast and accessible non-bank loans primarily targeting individual consumers in the Czech Republic. The business model focuses on online loan applications with quick approval and disbursement, offering loans up to 30,000 CZK with flexible repayment options. The company positions itself as a convenient alternative to traditional banking loans, emphasizing speed and ease of access. Technically, the website employs modern web technologies including Bootstrap 5, noUiSlider, jQuery, and integrates multiple analytics and tracking tools such as Google Analytics, Microsoft Clarity, and Cookiebot for consent management. The site is mobile responsive and well-structured, with good SEO practices and user experience. However, some accessibility features could be improved. From a security perspective, the site enforces HTTPS and uses cookie consent mechanisms, but lacks visible security headers and published security policies or incident response contacts. No vulnerabilities or exposed sensitive data were detected in the content. The absence of WHOIS data for the domain reduces trustworthiness and raises questions about domain registration transparency. Overall, the website is professional and trustworthy in appearance, with good business credibility and user experience. The main risks relate to missing WHOIS transparency and incomplete privacy and security documentation. Strategic improvements in these areas would enhance compliance and trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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Keep watching rerum.cz

This scan found 24 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
50
Email security
55
DNS health
80
Network security
40
GDPR outside view
25
Average
54

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention rerum.cz, from OffSeq Breach.

Total records
1,134
Employees
0
Customers
1,134
Third parties
0
Weak passwords
9%

5 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for rerum.cz.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

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Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Rerum Finance operates in the Czech financial sector specializing in short-term non-bank loans. Its competitive advantage lies in rapid online loan processing and flexible repayment terms. The business targets consumers needing quick financial solutions without traditional bank requirements such as collateral or guarantors. Revenue streams likely derive from interest and fees on loans. The company maintains a client zone for loan management, enhancing customer retention and repeat business. Partnerships with banks supporting instant transfers are highlighted, indicating integration with local financial infrastructure. The company appears small but focused, with consistent branding and clear market positioning in the non-bank lending niche.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enforced and cookie consent implemented, reflecting awareness of privacy regulations. However, the lack of security headers such as Content-Security-Policy and absence of published security or incident response policies indicate gaps in security best practices. No vulnerability disclosures or security.txt files were found, limiting transparency. The missing WHOIS data for the domain is a concern for trust and legitimacy. Overall, the security posture is functional but could be significantly improved by adopting standard security headers, publishing policies, and enhancing domain registration transparency.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service pages to improve compliance and user trust.
  2. Add security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  3. Publish a security policy and incident response contact information to demonstrate preparedness and transparency.
  4. Obtain and display WHOIS domain registration information or ensure domain registration data is publicly accessible to improve legitimacy.
  5. Enhance accessibility features to meet recognized standards and improve user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Rerum Finance s.r.o
Registration number
03210235
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Rerum Finance s.r.o
Description
Rerum Finance poskytuje rychlé a dostupné nebankovní půjčky online. Jednoduché podání žádosti, rychlé schválení a peníze na účtu během pár minut.
Key services
Nebankovní online půjčka, Rychlá půjčka online, Půjčka bez registru, Půjčka bez doložení příjmu, Půjčka ihned na účet
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics (gtag.js), Microsoft Clarity, Cookiebot, Bootstrap 5, noUiSlider, jQuery, jQuery UI Touch Punch
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Use of secure cookies consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Microsoft Clarity
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Microsoft Clarity, Cookiebot session pixel
Marketing tools
Cookiebot
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and interactive loan application features.
  2. No WHOIS data available, which is unusual and may indicate privacy protection or registration issues.
  3. Strong use of tracking and analytics tools with cookie consent implemented.
  4. No explicit privacy policy or terms of service pages found, which is a compliance gap.
  5. Contact information including phone and email is present and clearly labeled.
  6. Website uses modern frontend technologies and is mobile responsive.
  7. No security.txt or vulnerability disclosure policy found.
  8. No security headers detected in provided data; potential area for improvement.
Technical notes

Notes

The website uses a modern frontend stack with Bootstrap 5 for responsive design, noUiSlider for interactive UI elements, and jQuery for DOM manipulation. It integrates multiple analytics and tracking services including Google Analytics and Microsoft Clarity, managed via Google Tag Manager. Cookiebot is used for GDPR-compliant cookie consent management. The CMS identified is CreditOnline, specialized for financial services. Performance is moderate with asynchronous loading of scripts. The site is mobile optimized and SEO friendly with proper meta tags. However, no hosting provider information was detected. Technical risks include missing security headers and incomplete privacy documentation which could affect compliance and security posture.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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