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Security report for tarmika.com

Applied Systems, Inc. · Finance · United States

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

68/100

Risk levelMedium

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

Tarmika.com is a commercial quoting tool website operated by Applied Systems, Inc., targeting independent insurance agents and carriers. The platform offers a single-entry quoting solution designed to streamline commercial insurance quoting processes, enabling agencies to increase efficiency and expand market reach. The website positions itself as a niche SaaS provider within the insurance technology sector, leveraging Applied Systems' brand and partnerships to enhance credibility. Technically, the site is built on WordPress with Elementor, integrating multiple marketing and analytics tools such as Google Tag Manager, Marketo, and Drift chat. While the SSL certificate is valid and SPF/DMARC records are properly configured, the site lacks advanced security headers and a cookie consent mechanism, which are important for GDPR compliance and security hardening. Performance metrics indicate a slow load time and large page size, suggesting optimization opportunities. Overall, the site demonstrates a good level of professionalism, content quality, and business credibility but could improve in privacy compliance and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 100 · High
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"

  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

  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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching tarmika.com

This scan found 18 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

Email alerts on material changes and an exportable JSON history of every change.

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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
60
Email security
50
DNS health
85
Network security
100
GDPR outside view
43
Average
68

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 business operates as a SaaS provider in the insurance finance sector, focusing on commercial lines quoting solutions for independent agents and carriers. Its competitive advantage lies in its single-entry quoting system and integration with multiple carriers, reducing duplication and improving agent productivity. The company benefits from its parent company Applied Systems, which provides additional market trust and resources. The website's marketing ecosystem includes extensive use of third-party analytics and marketing automation tools, indicating a mature digital marketing strategy. The presence of customer testimonials and partner logos further supports its market positioning. However, the absence of visible phone contact and physical address on the site may limit direct customer engagement channels. The company targets the US market primarily, with content in English and GDPR-related consent settings for European regions, indicating international reach considerations.

Security posture

The website employs HTTPS with a valid SSL certificate and has implemented SPF and DMARC DNS records to protect email integrity. However, it lacks DNSSEC and CAA records, which could enhance domain security. The absence of HTTP security headers such as HSTS, Content-Security-Policy, and X-Frame-Options reduces the overall security posture. No known vulnerabilities or exposed sensitive data were detected in the content or scripts. The site uses multiple third-party scripts for marketing and analytics, which require ongoing monitoring to prevent supply chain risks. The lack of a cookie consent banner and explicit privacy controls may expose the company to compliance risks under GDPR and other privacy regulations. Incident response and security policy information are not publicly available, which could impact transparency and trust. Overall, the security posture is moderate but can be significantly improved with standard best practices.

Recommendations

  1. Enable HTTP Strict Transport Security (HSTS) with includeSubDomains and preload to enforce HTTPS.
  2. Implement a comprehensive cookie consent banner to comply with GDPR and other privacy laws.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  4. Enable DNSSEC and CAA DNS records to improve domain security and certificate issuance control.
  5. Regularly audit and update third-party scripts to mitigate supply chain vulnerabilities.
Technical notes

Notes

The website is built on a WordPress CMS platform using the Elementor page builder, which provides flexibility and ease of content management. The tech stack includes jQuery, Lottie animations for rich media, and integrations with marketing automation tools like Marketo and Bizible. Hosting and DNS are managed via Cloudflare, providing CDN and DNS services. Performance analysis shows a slow page load time (~15.5 seconds) and a large page size (~1.3 MB), indicating potential for optimization in resource loading and image compression. The site is mobile responsive with good SEO metadata and structured data (JSON-LD) for enhanced search engine visibility. Accessibility features are basic but present. The technical infrastructure is modern but could benefit from performance tuning and enhanced security configurations to reduce technical debt and operational risks.
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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