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Security report for schwaebisch-hall.de

Bausparkasse Schwäbisch Hall AG · Finance · Germany

Medium risk. 3 critical or high findings in GDPR outside view.

Security score

61/100

Risk levelMedium

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

Bausparkasse Schwäbisch Hall AG is a leading German financial institution specializing in building savings and construction financing. It operates within the cooperative financial group and offers a wide range of financial products and advisory services to individuals and families aiming to fulfill their housing dreams. The company maintains a strong market position supported by a dense network of cooperative partner banks and a comprehensive digital presence. Technically, the website is built on Adobe Experience Manager, uses modern JavaScript and SVG icons, and integrates marketing and analytics tools such as Google Tag Manager and Kameleoon. However, the site currently lacks a valid SSL certificate and proper TLS configuration, which significantly impacts its security posture. Privacy compliance is well addressed with clear cookie consent mechanisms and comprehensive privacy policies. Overall, the website demonstrates excellent content quality and business credibility but requires urgent security improvements to protect user data and enhance trust.

Scanned

This is an earlier scan of schwaebisch-hall.de. View the latest report

NIS2 and GDPR posture

GDPR outside view
18/ 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

3 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

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Keep watching schwaebisch-hall.de

This scan found 16 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
50
Security headers
70
Email security
50
DNS health
80
Network security
100
GDPR outside view
18
Average
61

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 schwaebisch-hall.de, from OffSeq Breach.

Total records
4,947
Employees
0
Customers
4,925
Third parties
22
Weak passwords
6%

13 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 schwaebisch-hall.de.

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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

The company leverages its cooperative banking network to provide localized advisory and financial services, enhancing customer trust and service quality. Its business model focuses on building savings contracts, construction loans, modernization financing, and government subsidy facilitation. The presence of extensive educational content, calculators, and checklists indicates a customer-centric approach aimed at empowering users with financial knowledge. Partnerships with well-known financial institutions and a strong social media presence further strengthen its market reach and brand recognition. The company targets a broad demographic including families, young people, and seniors in Germany, positioning itself as a comprehensive housing finance partner.

Security posture

The website's security maturity is currently low due to the absence of a valid SSL certificate and disabled TLS protocols, exposing users to potential data interception risks. While SPF and DMARC records are properly configured to protect email integrity, the lack of HTTPS and security headers such as HSTS reduces overall security. No DNSSEC or CAA records are present, which could improve DNS security. The site uses secure forms with validation but lacks advanced security features like OCSP stapling and session resumption. There is no visible incident response contact or vulnerability disclosure policy, indicating potential gaps in security governance. Compliance with GDPR is evident through privacy policies and cookie consent, but technical security improvements are critical to meet modern standards.

Recommendations

  1. Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS and protect user data.
  2. Enable and enforce modern TLS protocols (TLS 1.2 and TLS 1.3) and disable insecure legacy protocols.
  3. Implement HTTP Strict Transport Security (HSTS) with includeSubDomains and preload directives.
  4. Enable OCSP stapling to improve certificate revocation checking and reduce latency.
  5. Configure DNSSEC and CAA records to enhance DNS security and certificate issuance control.
  6. Publish a vulnerability disclosure policy and provide clear incident response contact channels.
  7. Regularly audit and update third-party libraries and scripts to avoid vulnerabilities.
  8. Enhance transparency on data retention policies and user privacy controls.
  9. Maintain consistent branding and professional content to sustain high trustworthiness.
  10. Optimize website performance to reduce load times and improve user experience.

Contact details published on the site

Addresses
Legal name
Bausparkasse Schwäbisch Hall AG
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, and uses modern web technologies including SVG icons and asynchronous JavaScript loading. It integrates Google Tag Manager and Kameleoon for analytics and personalization. The DNS setup includes multiple authoritative name servers hosted by Deutsche Telekom, with valid SPF and DMARC records for email security. However, the SSL/TLS configuration is severely lacking, with no valid certificate and no enabled TLS protocols, which is a critical risk. Performance is moderate with a page load time of approximately 7.9 seconds and a page size of about 221 KB. The site is mobile optimized and accessible, with good SEO practices including meta tags and structured data. Technical debt is evident in the missing SSL and security headers, which should be prioritized for remediation.
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

Earlier scans of this domain

  1. 72/100Medium31 findingsView report
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