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Security report for tfbank.fi

TF Bank AB · Finance · Finland

Low risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

78/100

Risk levelLow

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

TF Bank AB operates as a consumer finance bank specializing in loans and savings accounts, primarily targeting Finnish consumers. The website presents a professional image with clear navigation and relevant content describing their financial products. The company is part of the TF Bank Group, with a domain age consistent with its business history since 2012. The technical infrastructure includes modern analytics and consent management tools, ensuring compliance with privacy regulations such as GDPR. Security posture is strong with HTTPS, DNSSEC, and cookie consent mechanisms, although explicit security policies and incident response information are not publicly available. Overall, the website demonstrates a mature digital presence suitable for a financial institution, with room for improvement in transparency around security and legal terms.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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. 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
    • 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 tfbank.fi

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.

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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
57
Security headers
60
Email security
80
DNS health
85
Network security
100
GDPR outside view
88
Average
78

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 tfbank.fi, from OffSeq Breach.

No leaked records found

Breach holds no records for tfbank.fi 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

TF Bank holds a niche position in the Nordic consumer finance market, offering unsecured loans up to 40,000 euros and savings accounts with competitive interest rates. Their business model focuses on direct consumer lending and savings products, supported by a parent group presence. The website's integration with affiliate marketing and advertising networks indicates active customer acquisition strategies. The company maintains transparent WHOIS data and clear privacy policies, enhancing trust. Growth potential is supported by digital channels and regional brand consistency. Partnerships with major platforms like Google and Meta for marketing and analytics further support their market reach.

Security posture

The website enforces HTTPS and DNSSEC, uses cookie consent tools with granular user controls, and integrates reputable analytics platforms. However, it lacks publicly accessible security policies, incident response contacts, and vulnerability disclosure mechanisms such as security.txt. No critical vulnerabilities or exposed sensitive data were detected in the analysis. The security score is high but could be improved by publishing formal security governance documents and incident response procedures. The absence of phone contact details and security-specific emails limits direct security communication channels.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Create and maintain an incident response page with contact details for security incidents.
  3. Implement a security.txt file to facilitate vulnerability disclosures.
  4. Add a terms of service page to clarify legal terms and user agreements.
  5. Regularly review and audit third-party scripts and cookies for compliance and security.

Contact details published on the site

Addresses
Legal name
TF Bank AB
Registration number
556158-1041
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TF Bank AB
Description
TF Bank on kuluttajarahoitukseen erikoistunut pankki. Tutustu lainoihimme ja säästötiliimme jo tänään. Lue lisää sivuiltamme!
Key services
Consumer loans, Savings accounts
Content quality
good
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, Cookiebot, BlazeSlider
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with granular controls
  • DNSSEC enabled

Analytics and tracking

Services
Google Analytics, Matomo
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Meta Platforms (Facebook)
Tracking pixels
Matomo (test-matomo.tfbank.se)
Marketing tools
Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong privacy and cookie consent mechanisms in place.
  3. No signs of phishing or malware.
  4. No explicit security policy or incident response info published.
  5. No terms of service page found.
  6. Use of reputable third-party services for analytics and consent management.
  7. WHOIS data is transparent and consistent with business identity.
Technical notes

Notes

The website uses modern JavaScript libraries such as BlazeSlider for UI components, Google Analytics and Tag Manager for analytics, and Cookiebot for consent management. The site is mobile-optimized with responsive design and accessibility considerations. Hosting and DNS are managed by CSC Corporate Domains, a reputable provider. Performance is moderate with asynchronous loading of scripts and lazy loading of images. SEO is supported by proper meta tags and Open Graph data. No CMS was explicitly detected, suggesting a custom or proprietary platform. Overall, the technical implementation supports a stable and user-friendly experience with scope for performance optimization.
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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