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Security report for tiaa.org

TIAA · Finance · N/a

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

Security score

71/100

Risk levelMedium

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

TIAA is a well-established financial services organization specializing in retirement, investment, and insurance products primarily serving academic, research, medical, cultural, and governmental institutions. The website is currently inaccessible due to a security block, which prevents full content and technical analysis. The visible branding and contact phone number indicate a legitimate enterprise-level business with a focus on financial services. The technical infrastructure appears minimal in the blocked content, with no visible scripts or advanced frameworks detected. Security posture cannot be fully assessed due to the block, but the absence of security headers and privacy policies on the blocked page is noted. Overall, the site is likely secure and compliant in normal operation, but the current block limits evaluation. Strategic recommendations include improving transparency of security and privacy policies and ensuring proper error handling to avoid user confusion.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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. 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"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

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

    • 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. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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

Keep watching tiaa.org

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  • TLS certificates and expiry
  • DNS records
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  • Security headers
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  • 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
82
Security headers
20
Email security
85
DNS health
90
Network security
100
GDPR outside view
50
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 tiaa.org, from OffSeq Breach.

Total records
23,767
Employees
0
Customers
9,917
Third parties
13,850
Weak passwords
3%

31 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for tiaa.org.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

TIAA operates in the finance sector with a strong market position as a provider of retirement and investment services. The business model focuses on serving institutional and individual investors with a comprehensive suite of financial products. The company likely generates revenue through asset management fees, insurance premiums, and retirement plan administration. The target audience includes academic and medical institutions and their employees. The website's blocked state limits visibility into partnerships or subsidiaries. The branding is consistent and professional, supporting trust in the financial services market. Growth indicators and strategic partnerships are not visible from the blocked content.

Security posture

The current security posture assessment is limited due to the website being blocked by a security mechanism. No security headers or SSL configuration details are available from the provided data. The presence of a block page suggests active security controls to prevent unauthorized access or abuse. However, the lack of visible privacy, cookie, or incident response policies on the blocked page is a gap. No vulnerabilities or exposed sensitive data were detected in the accessible content. The security score is low due to incomplete data but the domain's enterprise nature suggests mature security practices behind the scenes.

Recommendations

  1. Implement and publish clear privacy and cookie policies accessible even on error or block pages.
  2. Add security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to improve security posture.
  3. Ensure HTTPS is enforced site-wide and verify SSL/TLS configuration strength.
  4. Provide a dedicated security or incident response contact page or email to improve transparency and trust.
  5. Improve user experience on block pages by offering guidance or alternative access options.
Site observations

Automated reading of the public site. Ratings are indicative.

Generic detected. The website content is blocked by a security mechanism, showing a block message with a reference ID and no access to normal content. These observations may be incomplete. For a fuller analysis, contact guard@offseq.com.

Business

Company
TIAA
Description
TIAA is a financial services organization providing retirement, investment, and insurance services primarily to academic, research, medical, cultural, and governmental institutions.
Key services
Retirement plans, Investment management, Insurance products
Content quality
poor
Branding
consistent

Technology

Stack
HTML5, CSS3, SVG
Mobile
basic
Accessibility
basic
SEO
poor

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
poor
User experience
poor
Content relevance
poor
Navigation
poor
Professionalism
poor
Trustworthiness
low

Key observations

  1. Website content is blocked by a security mechanism, preventing full content analysis
  2. No metadata such as Open Graph or JSON-LD structured data found
  3. No privacy, cookie, or terms of service policies detected on the blocked page
  4. Only a phone contact number is visible with clear context
  5. No email addresses or social media links found
  6. No scripts or external libraries detected in the provided HTML
  7. Website uses SVG for logo graphics
  8. No security headers or SSL configuration details available from provided data
  9. No forms other than a search form with a single search input field
  10. Search form action points to a public search results page
Technical notes

Notes

The website uses standard HTML5 and CSS3 with SVG graphics for logos. No advanced JavaScript frameworks or CMS platforms are detected in the blocked content. The search form is simple with a single search input field and no visible tracking or analytics scripts. Mobile optimization and accessibility are basic but present. Performance and hosting details are unknown due to limited content. The technical debt appears low but modernization opportunities exist in adding structured data, SEO enhancements, and security headers. The current block page limits the ability to fully assess the technical infrastructure.
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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