The Humble Penny is a personal finance education platform focused on helping individuals take control of their finances and grow their money through educational content and a structured email program. The website leverages WordPress with Elementor and integrates multiple marketing and analytics tools such as Google Analytics, Hotjar, and ConvertKit. The domain is well-established since 2016 and shows standard domain protections but lacks DNSSEC. Security posture is moderate with HTTPS enabled but missing security headers and explicit security policies. Privacy compliance is weak due to the absence of visible privacy and cookie policies. Overall, the site presents a professional and trustworthy front for its niche audience but should improve compliance and security transparency.
Scanned ·
NIS2 and GDPR posture
GDPR outside view
68/ 100 · Medium
Checks completed
7of 7
NIS2 Art. 21(2)
a(a) Risk analysis and security policies: Not visible from outside
b(b) Incident handling: One indicator
c(c) Business continuity, backups and crisis management: Not visible from outside
d(d) Supply chain security: Not visible from outside
e(e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
f(f) Assessing the effectiveness of security measures: Not visible from outside
g(g) Cyber hygiene and security training: Not visible from outside
h(h) Cryptography and encryption: Partly checked
i(i) HR security, access control and asset management: One indicator
j(j) Multi-factor authentication and secured communications: Not visible from outside
Partly checked
One indicator
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.
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 Strict-Transport-Security header
Forces HTTPS connections
What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"
This scan found 22 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.
Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.
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
95
Security headers
30
Email security
55
DNS health
80
Network security
100
GDPR outside view
68
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
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 thehumblepenny.com, from OffSeq Breach.
No leaked records found
Breach holds no records for thehumblepenny.com right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Business context
Business profile
The business operates in the finance sector, targeting individuals interested in personal finance and retirement planning. Its business model relies on content marketing, affiliate partnerships (notably Amazon Associates), and educational email programs. The site maintains consistent branding and good content quality, positioning itself as a niche player in financial education. The presence of multiple marketing tools indicates an active growth and engagement strategy. However, the lack of direct contact details and formal policies may limit trust for some users.
Security posture
The website has a basic to moderate security posture with HTTPS enforced and domain-level EPP protections. However, the absence of DNSSEC and security headers such as Content-Security-Policy or X-Frame-Options reduces its defense-in-depth. No incident response or security policy information is publicly available, which may impact readiness and transparency. Forms are present but no explicit security measures or data protection statements are visible. Overall, the site is functional and secure for general use but could benefit from enhanced security controls and disclosures.
Recommendations
Implement and publish a comprehensive privacy policy and cookie policy with GDPR compliance details.
Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
Add standard security headers (CSP, X-Frame-Options, HSTS) to enhance browser security.
Provide explicit security and incident response policies and contact channels on the website.
Include verified company contact emails and phone numbers to improve business credibility and user trust.
Site observations
Automated reading of the public site. Ratings are indicative.
Business
Company
The Humble Penny
Description
Create Financial Joy. The website offers financial advice, tools, and a 42-week email program to help users take control and grow their money.
WordPress, Elementor, Google Analytics, NitroPack, jQuery, Bootstrap, Font Awesome
Frameworks
Genesis Framework
Platforms
WordPress
Performance
fast
Mobile
good
Accessibility
basic
SEO
good
Security
Observed score
70/100
Good practices seen
HTTPS enabled
Domain status includes clientDeleteProhibited and other EPP protections
Analytics and tracking
Services
Google Analytics, Hotjar
Tracking level
moderate
Privacy practices
basic
Advertising
Ad networks
Mediavine
Tracking pixels
Hotjar
Marketing tools
ConvertKit, Deadline Funnel
Transparency
basic
Site quality
Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
moderate
Key observations
Website is a personal finance blog with educational content and affiliate marketing.
No explicit privacy or cookie policies found on the homepage or metadata.
Uses multiple Google Analytics and marketing scripts indicating active user tracking.
Domain is well maintained with standard EPP protections but lacks DNSSEC.
No direct contact emails or phone numbers found; contact is via embedded form only.
No visible security policy or incident response information on the site.
Good use of modern web technologies and performance optimization tools.
Technical notes
Notes
The website is built on WordPress using the Elementor page builder and Genesis Framework, supported by performance optimization via NitroPack. It uses modern web technologies including jQuery, Bootstrap, and Font Awesome. Analytics and marketing integrations are extensive, including Google Analytics, Hotjar, ConvertKit, and Mediavine ads. The site is mobile optimized and loads quickly. However, accessibility features are basic and SEO is good but could be improved with more structured data and policy pages. Technical debt appears low, but security enhancements are recommended.
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.
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