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Security report for tarjetayou.es

Advanzia Bank · Finance · Spain

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

Security score

64/100

Risk levelMedium

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

Tarjeta YOU is an online credit card service operated in partnership with Advanzia Bank, targeting residents in Spain. The website offers a no-annual-fee Mastercard Gold credit card with flexible payment options and travel insurance. The business model focuses on digital-first credit card issuance and management without requiring customers to change banks. The site is well-branded, professional, and provides comprehensive legal and privacy information, enhancing trustworthiness. Technically, the website uses AngularJS and Bootstrap frameworks, integrates Google Tag Manager for analytics, and employs Usercentrics for cookie consent management. Hosting includes Microsoft Azure Blob Storage for legal documents. The site is mobile-optimized and SEO-friendly, though accessibility features are basic. Performance is moderate with room for improvement. Security posture is solid with HTTPS enforced and digital signature integration, but lacks some security headers and a public security policy or incident response contacts. No vulnerabilities or exposed sensitive data were detected. Privacy compliance is good, with GDPR-aligned policies and consent mechanisms. Overall, the website presents a trustworthy and professional front for an online financial product, with minor technical and security enhancements recommended to further strengthen its posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

    • 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

  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 X-Frame-Options header

      Prevents clickjacking attacks

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

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

Keep watching tarjetayou.es

This scan found 23 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
67
Security headers
50
Email security
75
DNS health
80
Network security
100
GDPR outside view
10
Average
64

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

Tarjeta YOU operates as a medium-sized financial service provider specializing in online credit cards in Spain. Its competitive advantages include no annual fees, comprehensive travel insurance, and ease of use via a dedicated app. The business model leverages partnerships with Advanzia Bank and Mastercard to deliver services. Revenue streams likely include interest and fees from revolving credit. The target market is Spanish residents seeking flexible credit solutions without changing banks. The partnership ecosystem includes Advanzia Bank and Mastercard, with affiliate marketing via Tellja GmbH. The company maintains a professional online presence with trust signals such as Trustpilot reviews and legal transparency.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS, use of digital signature scripts, and cookie consent management. However, it lacks explicit security headers like Content-Security-Policy and X-Frame-Options, which could mitigate certain attack vectors. No incident response or vulnerability disclosure information is published, which is a gap in transparency. No exposed sensitive data or vulnerable libraries were detected. The site collects personal data via forms with validation, indicating attention to secure data handling. Overall, security is good but could be improved by publishing security policies and adding security headers.

Recommendations

  1. Implement and configure HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  2. Publish a dedicated security policy page including incident response contacts and vulnerability disclosure guidelines.
  3. Add a security.txt file at the root domain to facilitate responsible vulnerability reporting.
  4. Enhance accessibility features to improve compliance with standards and user experience for all users.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerabilities are introduced.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Advanzia Bank
Description
You es tu Tarjeta de Crédito online, sin comisión anual, sin comisión cajeros de todo el mundo y sin necesidad de cambiar de banco. Pídela en 2 minutos.
Key services
Credit card issuance, Online account management, Travel insurance, Flexible payment options
Content quality
good
Branding
consistent

Technology

Stack
AngularJS, Bootstrap, Google Tag Manager, Usercentrics (consent management), Universign (digital signature), Trustpilot widget
Frameworks
AngularJS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of digital signature scripts
  • Cookie consent mechanism

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Amazon Ads
Tracking pixels
Amazon Ads pixel
Marketing tools
Usercentrics
Transparency
basic

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 and relevant to financial services.
  3. Strong branding alignment with Advanzia Bank and Mastercard.
  4. Comprehensive legal and privacy documentation is linked and accessible.
  5. Use of modern tracking and consent management tools.
  6. No explicit or adult content detected; safe for general audiences.
  7. Security posture is good but could be improved with additional headers and published policies.
Technical notes

Notes

The website is built using AngularJS and Bootstrap, indicating a modern but somewhat dated frontend framework. It integrates third-party services like Google Tag Manager for analytics, Usercentrics for consent management, and Universign for digital signatures. Hosting of legal documents on Microsoft Azure Blob Storage suggests a cloud-based infrastructure. Performance is moderate, with potential improvements in load times and accessibility. SEO is well addressed with proper meta tags and Open Graph data. The site is mobile responsive and provides a good user experience. Technical debt may exist due to AngularJS usage, which is less current than newer frameworks.
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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