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Security report for topfinanses.lv

Topfinanses · Finance · Latvia

High risk. 10 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

43/100

Risk levelHigh

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

Topfinanses.lv is a Latvian online platform specializing in loan comparison and facilitation services, primarily focusing on quick loans, consumer loans, auto loans, and credit lines. The website aggregates loan offers from multiple Latvian financial institutions, providing users with detailed information and direct links to apply for loans. The platform targets Latvian consumers seeking fast and convenient credit solutions, positioning itself as a trusted intermediary in the Latvian finance market. Technically, the website is built on WordPress, utilizing common web technologies such as jQuery, FontAwesome, and Google Fonts, and integrates analytics tools like Google Analytics and Yandex Metrika. The site enforces HTTPS and includes affiliate marketing links to loan providers. However, it lacks explicit privacy, cookie, and terms of service policies, and does not provide direct contact information or security incident channels, which are critical for compliance and trust. Security posture is moderate with HTTPS enforced but missing security headers and formal policies. Overall, the website is functional and professional but would benefit from enhanced privacy compliance and security best practices.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

10 findings rated critical or high. Fix these first.

  1. GDPR outside view

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

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • 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

  2. 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';…

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

Keep watching topfinanses.lv

This scan found 27 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.

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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
62
Security headers
20
Email security
85
DNS health
60
Network security
20
GDPR outside view
10
Average
43

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

The business operates as an online loan comparison and referral service within the Latvian finance sector. It leverages partnerships with multiple loan providers, offering users a centralized platform to compare and select credit products. The business model is based on affiliate marketing and lead generation, driving traffic to partner loan providers. The target audience includes Latvian individuals seeking quick access to credit, including first-time borrowers and those needing emergency funds. The platform's competitive advantage lies in its aggregation of multiple loan offers and ease of online application. Growth potential depends on expanding partnerships and improving user trust through enhanced compliance and transparency. The company maintains a consistent brand presence with testimonials and partner logos, supporting credibility in the local market.

Security posture

The website demonstrates a basic to moderate security maturity level. HTTPS is properly enforced, ensuring encrypted communication. However, the absence of security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces protection against common web attacks. No exposed sensitive data or vulnerable libraries were detected in the provided content. The lack of privacy and cookie policies, as well as incident response contacts, indicates gaps in compliance with GDPR and best security practices. The site does not appear to have a formal security framework or certifications. Overall, the security posture is adequate for a content and referral site but requires improvements to meet higher compliance and security standards.

Recommendations

  1. Implement comprehensive privacy and cookie policies with explicit GDPR compliance and user consent mechanisms.
  2. Add security headers (Content-Security-Policy, X-Frame-Options, X-Content-Type-Options) to enhance protection against web vulnerabilities.
  3. Provide clear contact information including security incident response channels (e.g., security@ or abuse@ email addresses).
  4. Regularly audit and update WordPress plugins and themes to mitigate vulnerabilities.
  5. Enhance transparency by publishing terms of service and data protection officer contact details if applicable.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Topfinanses
Description
Mājas lapa Topfinanses.lv sniedz palīdzību cilvēkiem, kuri nolēma paņemt kredītu. Mājas lapa piedāvā kredītu tipu klasifikāciju, kā arī kredītu salīdzināšanu, kredītu izsniegšanas nosacījumus un citu finansiālu informāciju. Mājas lapā Topfinanses.lv ir publicēta tikai svaiga un aktuāla informācija.
Key services
Loan comparison, Loan application facilitation, Information on credit types
Content quality
good
Branding
consistent

Technology

Stack
jQuery, jQuery UI, FontAwesome, Google Fonts, Google Analytics, Yandex Metrika, Google Adsense
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced (redirect from HTTP to HTTPS)

Analytics and tracking

Services
Google Analytics, Yandex Metrika
Tracking level
moderate
Privacy practices
poor

Advertising

Ad networks
Google Adsense
Tracking pixels
Yandex Metrika
Transparency
basic

Site quality

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

Key observations

  1. Website is a Latvian loan comparison and referral platform focused on quick and consumer loans.
  2. Content is in Latvian with some Russian language support.
  3. No explicit privacy, cookie, or terms of service pages found.
  4. No explicit contact emails or phone numbers found on the main page or footer.
  5. Uses WordPress CMS with common plugins for multilingual support and loan comparison.
  6. Includes Google Analytics and Yandex Metrika for tracking.
  7. Advertising includes Google Adsense and affiliate links to loan providers.
  8. HTTPS is enforced with redirect from HTTP.
  9. No security headers detected in the HTML content.
  10. No visible forms collecting personal data except loan application links redirecting externally.
Technical notes

Notes

The website is built on WordPress CMS with a standard technology stack including jQuery, jQuery UI, FontAwesome, and Google Fonts. It uses Google Analytics and Yandex Metrika for user tracking and Google Adsense for monetization. The site enforces HTTPS with automatic redirection from HTTP, indicating good SSL configuration. Performance is moderate with no explicit indicators of slow loading but could benefit from optimization. Mobile responsiveness is good, supported by responsive design elements. Accessibility features are basic, with room for improvement. SEO optimization is good with proper meta tags and structured data in JSON-LD format. The site lacks advanced security headers and formal privacy compliance mechanisms, representing technical debt and compliance risk. Hosting provider details are not explicitly identified from the content.
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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