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Security report for smsmoney.ee

Placet Group OÜ · Finance · Estonia

Medium risk. 3 critical or high findings in Security headers, Email security and 1 other check.

Security score

74/100

Risk levelMedium

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

Smsraha.ee is a well-established Estonian financial services website operated by Placet Group OÜ, offering a variety of lending products including credit lines, credit cards, consumer loans, and business loans. The company has been active since 2009 and positions itself as a reliable and modern partner for both private and business clients in Estonia. The website is professionally designed with clear navigation and multi-language support, providing detailed product information and customer testimonials to build trust. Technically, the site uses modern JavaScript libraries and Google analytics tools, with good mobile optimization and SEO practices. Security posture is strong with HTTPS enforced and standard security headers present, although no dedicated security or incident response policies are published. Privacy compliance is well addressed with a comprehensive cookie consent mechanism and GDPR-aligned privacy policy. Overall, the site demonstrates a mature digital presence with a solid business credibility and trustworthy domain registration.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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. 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 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';…

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching smsmoney.ee

This scan found 22 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.

Daily monitoring

Recommended

€25per month

  • 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
67
Security headers
65
Email security
65
DNS health
65
Network security
100
GDPR outside view
83
Average
74

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

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 targets Estonian consumers and businesses seeking flexible credit solutions, leveraging a diversified product portfolio including credit accounts, credit cards with cashback, consumer loans, and refinancing options. The business model focuses on providing accessible credit with competitive terms and digital convenience. Partnerships with financial service providers like Wallester and deposit services like erahoius.ee enhance their offering. The presence of customer reviews and detailed loan calculators indicates a customer-centric approach. The domain age and registrant data support the legitimacy and stability of the business. The company appears to be medium-sized with a focus on the Estonian market and a strong online presence.

Security posture

The website enforces HTTPS with strong SSL configuration and includes common security headers such as HSTS, X-Frame-Options, and Content-Security-Policy, indicating good baseline security hygiene. Forms use POST methods and no sensitive data is exposed in the HTML. Cookie consent is implemented with granular user controls, supporting GDPR compliance. However, the absence of a published security policy or incident response contact reduces transparency. No known vulnerabilities or outdated libraries were detected in the provided content. Overall, the security posture is solid but could be improved by publishing explicit security and incident response information.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Enhance website accessibility to meet higher standards for users with disabilities.
  5. Regularly review and update third-party scripts and analytics tools to mitigate risks.

Contact details published on the site

Addresses
Legal name
Placet Group OÜ
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Placet Group OÜ
Description
Smsraha.ee tegutseb Eesti laenuturul alates 2009. aastast. Pikaaegne kogemus ning pidev teenuste arendamine teevad meist usaldusväärse ning kaasaegseid lahendusi pakkuva partneri nii era- kui ärikliendile.
Key services
Krediidikonto, Krediitkaart, Tarbimislaen, Kiirlaen, Refinantseerimine, Ärilaen
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, jQuery, noUiSlider, Google Tag Manager, Google Analytics
Frameworks
Custom JavaScript frameworks
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML
  • Use of secure forms with POST method

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google Ads
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 no blocking or WAF challenges.
  2. Content is professionally presented in Estonian with multi-language support (RU, EN).
  3. Clear business focus on financial lending products with detailed service descriptions.
  4. Cookie consent mechanism is implemented with granular user controls.
  5. Use of modern web technologies and analytics tools.
  6. Contact information is clearly provided including phone and physical address.
  7. No explicit security or incident response policies published on the site.
  8. No visible vulnerabilities or exposed sensitive data in the HTML content.
Technical notes

Notes

The website uses a custom JavaScript-based frontend with libraries such as jQuery and noUiSlider for interactive elements like loan calculators. Google Tag Manager and Google Analytics are integrated for tracking and marketing purposes. The site is mobile-optimized with responsive design and preloaded fonts for performance. SEO is supported by proper meta tags, Open Graph images, and canonical URLs. No CMS was detected, suggesting a custom or proprietary platform. Hosting details are not explicit but the domain uses Zone Media OÜ as registrar. Performance is moderate with asynchronous script loading. Technical risks are low but continuous monitoring of third-party dependencies is advised.
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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