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Security report for tfbankgroup.com

TF Bank · Finance · Sweden

Medium risk. 1 critical or high finding in SSL/TLS.

Security score

72/100

Risk levelMedium

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

TF Bank operates as an internet-based niche bank offering consumer banking services through a proprietary IT platform emphasizing automation. The website presents a professional image consistent with a financial institution targeting consumers seeking streamlined online banking solutions. The technical infrastructure is built on WordPress CMS, utilizing modern web technologies such as jQuery and Cookiebot for cookie consent management, alongside Google Tag Manager for analytics. The site is secured with HTTPS, and cookie consent is actively managed, reflecting a commitment to privacy compliance. However, the absence of WHOIS data for the domain group.tfbank.se raises questions about domain registration legitimacy, although the website content itself appears credible and well-maintained. Security posture is solid with HTTPS and consent mechanisms, but could be improved by adding explicit security headers and detailed privacy and security policies. Overall, the site demonstrates a good balance of professionalism, technical maturity, and privacy awareness, with room for enhanced transparency and security documentation.

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

1 finding rated critical or high. Fix these first.

  1. 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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

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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
0
Security headers
85
Email security
80
DNS health
85
Network security
100
GDPR outside view
83
Average
72

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

TF Bank positions itself as a specialized internet bank focusing on consumer banking with a high degree of automation. The business model leverages proprietary technology to deliver niche banking services online, targeting digitally savvy consumers. The website content and branding are consistent and professional, supporting a medium-sized enterprise presence in Sweden's financial sector. The use of Google and Hotjar for analytics and marketing indicates an active approach to customer insights and engagement. The lack of visible contact information and WHOIS data suggests potential areas for improvement in transparency and trust-building. No partner or subsidiary domains were identified, indicating a focused operational scope. The bank's digital presence is optimized for user experience and privacy compliance, aligning with regulatory expectations in the EU.

Security posture

The website employs HTTPS, ensuring encrypted communication, and integrates a comprehensive cookie consent mechanism via Cookiebot, supporting GDPR compliance. However, no explicit security headers were detected in the provided data, which could enhance protection against common web vulnerabilities. The site uses third-party analytics and marketing tools, which are disclosed in cookie details, reflecting transparency. The absence of a published security policy, incident response contacts, or vulnerability disclosure program limits the site's security maturity. No vulnerabilities or exposed sensitive data were identified in the analysis. Overall, the security posture is good but could benefit from formalized policies and enhanced technical controls.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen web security.
  2. Publish comprehensive privacy and security policies, including GDPR compliance statements and data protection officer contact details.
  3. Provide clear and accessible contact information for general inquiries and security incidents to improve transparency and trust.
  4. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  5. Regularly audit and update third-party scripts and plugins to mitigate risks from vulnerable components.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TF Bank
Description
TF Bank is an Internet based niche bank that offers consumer banking services through its proprietary IT platform with a high degree of automation.
Key services
Consumer banking services
Content quality
good
Branding
consistent

Technology

Stack
WordPress, jQuery, Cookiebot, Google Tag Manager
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google
Tracking pixels
Hotjar
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 accessible and not blocked by WAF or security challenges.
  2. No WHOIS data available for the domain group.tfbank.se; domain appears unregistered or WHOIS query failed.
  3. Cookie consent mechanism is implemented with detailed cookie categories and vendor disclosures.
  4. No explicit privacy policy, terms of service, or contact information pages found in the provided content.
  5. Website uses WordPress CMS with standard plugins and Google Tag Manager for analytics.
  6. No visible email addresses or phone numbers for company contact found in the HTML content.
  7. No social media links explicitly found in the provided HTML snippet.
  8. Security headers not explicitly detected in the provided data; HTTPS is used.
  9. Website content is professional and consistent with a financial institution.
  10. Advertising and tracking via Google and Hotjar are disclosed in cookie details.
Technical notes

Notes

The website is built on WordPress CMS, leveraging jQuery and Cookiebot for cookie management, and Google Tag Manager for analytics deployment. The site uses modern web fonts and responsive design techniques, ensuring good mobile optimization and user experience. Performance is moderate, with no explicit indicators of slow loading but room for optimization. Accessibility features are basic but present. The lack of detected security headers and incomplete WHOIS data suggest areas for technical improvement. Hosting provider details are not evident from the data. Overall, the technical infrastructure supports the business needs but could be enhanced with improved security configurations and performance tuning.
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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