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Security report for tigsipay.com

TigSiPay SIA · Finance · Latvia

Medium risk. 7 critical or high findings in Security headers, GDPR outside view and 2 other checks.

Security score

65/100

Risk levelMedium

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

TigSiPay SIA is a Latvian technology company specializing in digital and mobile financial services, including payment infrastructure, loyalty programs, and fintech solutions. The company operates as a licensed electronic money institution regulated by Latvijas Banka, offering services to both businesses and private individuals. Their key offerings include a mobile wallet, payment terminals, a marketplace platform, and bill payment services. The website reflects a professional and modern fintech business with clear market positioning in Latvia. Technically, the site is built on Next.js and Material-UI frameworks, ensuring fast performance and excellent mobile optimization. Security posture is solid with HTTPS and cookie consent mechanisms, though some security headers could be enhanced. Privacy compliance is well addressed with comprehensive policies and consent management. Overall, the site and business demonstrate high credibility and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

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

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  • TLS certificates and expiry
  • DNS records
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  • 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
72
Security headers
15
Email security
70
DNS health
65
Network security
100
GDPR outside view
65
Average
65

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

TigSiPay targets the Latvian fintech market, providing integrated payment and loyalty solutions to retailers and consumers. Their business model leverages technology to enable seamless payments, cashback, and loyalty rewards, supported by a mobile app and physical terminals. The company has established partnerships and a marketplace platform to expand product offerings. Their licensing and regulatory compliance with Latvijas Banka and positive ratings from Valsts ieņēmumu dienests reinforce their market credibility. Growth indicators include recent licensing, participation in fintech events, and expansion of services such as payment accounts and SWIFT integration. The company emphasizes innovation and customer convenience, positioning itself as a trusted fintech partner in Latvia.

Security posture

The website employs HTTPS with a good SSL configuration and uses cookie consent tools to manage user privacy. Security best practices include secure forms with consent checkboxes and no visible exposure of sensitive data. However, explicit security headers like Content-Security-Policy and X-Frame-Options are not evident, representing an area for improvement. No vulnerability disclosures or incident response contacts are published, which could enhance transparency and trust. The use of third-party scripts like CookieYes and Google Analytics is managed with user consent. Overall, the security posture is mature but can be strengthened by implementing additional HTTP security headers and publishing vulnerability handling policies.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Publish a security.txt file to facilitate responsible vulnerability disclosure.
  3. Provide explicit incident response contact information on the website.
  4. Regularly audit and update third-party scripts and libraries to mitigate vulnerabilities.
  5. Enhance transparency by publishing Data Protection Officer contact details and detailed privacy compliance documentation.

Contact details published on the site

Addresses
Legal name
TigSiPay SIA
VAT number
LV40203344731
Registration number
40203344731
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TigSiPay SIA
Description
TigSiPay is a technology company specializing in digital and mobile financial services and payment infrastructure, offering comprehensive loyalty, fintech, and payment solutions.
Key services
Loyalty programs, Payment terminals and infrastructure, Mobile wallet application, Marketplace platform, Bill payment services, Prepaid card top-ups, Game and streaming platform top-up codes
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Material-UI, CookieYes (cookie consent), Google Fonts
Frameworks
Next.js, Material-UI
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with detailed categories
  • No exposed sensitive data in HTML
  • Secure forms with consent checkbox

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
CookieYes
Marketing tools
CookieYes consent management
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Comprehensive cookie consent mechanism implemented with detailed categories.
  3. Clear and multiple contact methods including email, phone, physical address, and contact form.
  4. Business is a licensed electronic money institution regulated by Latvijas Banka.
  5. Website uses modern web technologies and frameworks ensuring good performance and mobile optimization.
  6. Security headers could be improved for enhanced protection.
  7. No explicit security incident response or vulnerability disclosure information found.
  8. Content is professional, finance-focused, and safe for general audiences.
  9. WHOIS data is consistent and domain is actively managed.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, with Material-UI for UI components. It leverages Google Fonts and CookieYes for cookie consent management. The site is well optimized for mobile devices and demonstrates fast loading times. The domain is registered with GoDaddy and the SSL configuration is good. No CMS is explicitly detected, indicating a custom or framework-based solution. The site structure and SEO elements are well implemented, supporting good discoverability. Technical risks are minimal, though the absence of some security headers and vulnerability disclosure mechanisms represent areas for future enhancement.
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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