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Security report for tamara.co

Tamara Finance Company · Finance · Saudi Arabia

Medium risk. 4 critical or high findings in Security headers and GDPR outside view.

Security score

71/100

Risk levelMedium

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

Tamara Finance Company operates a leading Buy Now Pay Later (BNPL) platform in the GCC region, primarily serving Saudi Arabia, UAE, Kuwait, and Bahrain. The company offers flexible payment solutions allowing consumers to split purchases into up to 24 months with no late fees, emphasizing Shariah compliance to align with regional financial ethics. Their business model targets both personal consumers and merchants, providing payment solutions that enhance sales conversion and customer loyalty. The website reflects a mature digital presence with multi-language support and extensive merchant partnerships.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
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

4 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 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';…

  2. GDPR outside view

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

    • 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

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

Keep watching tamara.co

This scan found 21 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
90
Security headers
30
Email security
75
DNS health
80
Network security
100
GDPR outside view
53
Average
71

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

Tamara holds a strong market position as a fintech innovator in the GCC, leveraging regulatory compliance and consumer-friendly policies to differentiate itself. The company integrates with major e-commerce platforms and offers exclusive cashback and deals to incentivize usage. Its partnership ecosystem includes merchant portals and business signup platforms, indicating a comprehensive approach to market penetration. The absence of a parent company or subsidiaries suggests an independent operation focused on regional growth. The company’s transparent legal and regulatory disclosures enhance credibility.

Security posture

The website demonstrates a robust security posture with HTTPS enforcement, modern security headers, and encrypted data handling. The absence of exposed sensitive data and the use of advanced analytics and tracking tools indicate a mature security and privacy approach. However, the lack of a dedicated security policy page and incident response contact details represents an area for improvement. The site does not display a cookie consent banner despite extensive tracking, which may pose compliance risks under GDPR and similar regulations. Overall, the security maturity is high but could benefit from enhanced transparency and user privacy controls.

Recommendations

  1. Implement a visible and comprehensive cookie consent mechanism to comply with privacy regulations.
  2. Publish a detailed security policy and incident response plan accessible to users.
  3. Add a security.txt file to facilitate responsible vulnerability disclosures.
  4. Provide explicit contact channels for security incidents and abuse reporting.
  5. Regularly review and audit third-party scripts and tracking tools for security and privacy compliance.

Contact details published on the site

Addresses
Legal name
Tamara Finance Company (a joint-stock Saudi company)
Registration number
1010627663
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Tamara Finance Company
Description
Tamara offers a Buy Now Pay Later payment solution allowing customers to split purchases into up to 24 months with no late fees and 100% Shariah compliance. It serves personal and business customers across Saudi Arabia, UAE, Kuwait, and Bahrain.
Key services
Buy Now Pay Later payment plans, Merchant payment solutions, Exclusive cashback and deals, Buyer protection
Content quality
excellent
Branding
consistent

Technology

Stack
Webflow, Google Tag Manager, Hotjar, CleverTap, Facebook Pixel, LinkedIn Insight Tag, RudderStack Analytics, Swiper.js, GSAP
Frameworks
Webflow CMS
Platforms
Webflow Hosting
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of advanced encryption for data protection
  • Regular payment reminders to users
  • No late fees policy reduces financial risk

Analytics and tracking

Services
Google Analytics, Hotjar, CleverTap, RudderStack Analytics, Facebook Pixel, LinkedIn Insight Tag
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Facebook Ads, LinkedIn Ads
Tracking pixels
Facebook Pixel, LinkedIn Insight Tag, Hotjar, CleverTap, RudderStack Analytics, Google Analytics (via GTM)
Marketing tools
Hotjar, CleverTap
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is comprehensive and targeted to GCC region consumers and businesses.
  3. Strong emphasis on Shariah compliance and no late fees policy.
  4. Multiple language and country versions supported.
  5. Robust analytics and marketing tracking implemented.
  6. No signs of malicious or suspicious activity.
  7. Clear business and legal information provided in footer.
  8. No visible cookie consent banner despite tracking scripts present.
Technical notes

Notes

The website is built on the Webflow platform, utilizing modern JavaScript libraries such as GSAP for animations, Swiper.js for sliders, and multiple analytics and marketing tools including Google Tag Manager, Hotjar, CleverTap, Facebook Pixel, LinkedIn Insight Tag, and RudderStack Analytics. The site is well-optimized for performance and mobile responsiveness, with clean HTML and CSS. Hosting is managed by Webflow, ensuring reliable uptime and scalability. The technical implementation reflects a modern, well-maintained infrastructure with opportunities to enhance privacy compliance and security transparency.
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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