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Security report for sfm.se

Svenska Försäkringsförmedlare · Finance · Sweden

High risk. 10 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

41/100

Risk levelHigh

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

Svenska Försäkringsförmedlare (SFM) is a Swedish industry association dedicated to promoting high quality, fair competition, and strong self-regulation within the insurance mediation market. Established in 1995, SFM serves insurance intermediaries and related stakeholders by providing industry representation, compliance guidance, and member services including a mentor and trainee program. The website reflects a mature organization with clear branding and comprehensive content tailored to its target audience in Sweden's financial services sector. Technically, the site is built on WordPress, hosted by Loopia AB, and uses modern web technologies such as FontAwesome and JavaScript. The site is mobile-optimized and well-structured, though accessibility features are basic. Security posture is good with HTTPS enabled and no exposed sensitive data, but could be improved by enabling DNSSEC and adding security headers. Privacy compliance is partially addressed with a personal data handling PDF and cookie usage disclosure, but lacks an explicit cookie consent mechanism and detailed privacy policy pages. Contact information is clearly provided, enhancing business credibility. Overall, the site is professional, trustworthy, and functional with room for security and privacy enhancements.

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

10 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

  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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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 sfm.se

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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
52
Security headers
15
Email security
70
DNS health
65
Network security
20
GDPR outside view
25
Average
41

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 sfm.se, from OffSeq Breach.

No leaked records found

Breach holds no records for sfm.se right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

SFM occupies a stable position as a key industry association in Sweden's insurance mediation sector. Its business model focuses on advocacy, education, and member services rather than direct commercial sales. The organization targets insurance intermediaries and related financial professionals, supporting them with regulatory guidance and networking opportunities. The presence of a dedicated MIS portal and trainee programs indicates investment in industry development and innovation. The long domain age and consistent WHOIS data reinforce the organization's legitimacy. Partnerships such as with InsureNet suggest active engagement in the broader finance and tech ecosystem. The website content and structure support a medium-sized organization with a professional approach to communication and member engagement.

Security posture

The website demonstrates a moderate to good security maturity level. HTTPS is properly implemented, ensuring encrypted communications. No sensitive data is exposed in the HTML content, and form inputs are minimal and appear secure. However, the absence of DNSSEC leaves the domain vulnerable to DNS spoofing attacks. Security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security are not detected, which could mitigate common web attacks. There is no published security policy or incident response contact information, which limits transparency and preparedness. The lack of a cookie consent mechanism may also pose GDPR compliance risks. Overall, while no critical vulnerabilities are evident, improvements in domain security and security policy transparency are recommended.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement essential security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Add a visible cookie consent banner/mechanism to comply with GDPR and inform users about cookie usage.
  4. Publish a dedicated security policy and incident response contact details to improve transparency and readiness.
  5. Regularly review and update third-party scripts and libraries to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Svenska Försäkringsförmedlare
Description
Svenska Försäkringsförmedlare är en branschorganisation som verkar för en marknad med hög kvalitet, god konkurrens och med en stark självreglering.
Key services
Industry representation, Information dissemination, Compliance guidance, Mentor and trainee programs, MIS-portal services
Content quality
good
Branding
consistent

Technology

Stack
WordPress, FontAwesome, JavaScript
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • No exposed sensitive data in HTML
  • Secure form submission via GET with limited fields

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

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 in Swedish
  2. No WAF or security blocking detected
  3. Uses WordPress CMS with custom theme
  4. Clear navigation with multiple sections about the organization, insurance mediation, news, and member services
  5. Contact information is prominently displayed in footer
  6. No explicit privacy or security policy pages beyond a PDF on personal data handling
  7. No visible terms of service or incident response information
  8. No social media links detected in the provided HTML
  9. No analytics or tracking scripts detected
  10. No advertising or affiliate programs detected
Technical notes

Notes

The website is built on WordPress CMS with a custom theme and uses FontAwesome for icons and JavaScript for interactivity. Hosting is provided by Loopia AB, a reputable Swedish hosting provider. The site loads with moderate performance and is mobile-optimized with responsive design elements. SEO is supported by proper meta tags and canonical links. Accessibility is basic but could be improved with more ARIA attributes and semantic HTML enhancements. No analytics or tracking scripts were detected, indicating minimal user tracking. The site uses standard form elements with limited data collection fields, reducing attack surface. Overall, the technical infrastructure is solid but could benefit from modern security enhancements and accessibility improvements.
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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