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Security report for vmdconseil.ca

Valeurs mobilières Desjardins · Finance · Canada

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Valeurs mobilières Desjardins (VMD) is a brokerage firm operating under the Mouvement Desjardins, the largest financial institution in Quebec, Canada. The website provides wealth management, brokerage, financial planning, and corporate financial services targeted at investors and clients primarily in Quebec. The site is professionally designed with clear navigation and mobile optimization, reflecting a mature digital presence. Technically, it uses Bootstrap 3, Google Tag Manager, Qualtrics, and OneTrust for cookie consent, indicating a modern but somewhat traditional tech stack. Security posture is moderate with HTTPS and cookie consent implemented, but lacks visible security headers and explicit privacy or security policies. WHOIS data is not publicly available, likely due to privacy protection, which is common and justified for financial firms. Overall, the website is trustworthy and professional but could improve transparency and security practices.

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

4 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.

    • 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, YouTube

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

  2. 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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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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
52
Security headers
55
Email security
70
DNS health
85
Network security
100
GDPR outside view
65
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

Technical appendix

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

Business context

Business profile

VMD holds a strong market position as part of the Desjardins Group, offering a broad range of financial services including wealth management, brokerage, retirement and estate planning, and corporate financing. The business model focuses on personalized financial advice and exclusive products for a primarily Quebec-based clientele. The website content and structure support client acquisition and retention through educational resources, online account access, and a network of advisors. The use of multiple analytics and consent tools suggests an emphasis on data-driven marketing and compliance. The lack of direct contact details on the public site may indicate a controlled client onboarding process. The domain's privacy-protected WHOIS record aligns with industry norms for confidentiality.

Security posture

The website demonstrates a baseline security posture with HTTPS enforced and a cookie consent mechanism in place. However, the absence of visible security headers such as Content Security Policy, X-Frame-Options, and HSTS reduces its defense-in-depth. No explicit security or incident response policies are published, and no dedicated security contact channels are found. The use of third-party scripts like Google Tag Manager and Qualtrics introduces potential risk vectors that require regular auditing. Forms appear to be secured via HTTPS but lack visible anti-CSRF tokens in the provided content. Overall, the security maturity is moderate but could be enhanced by adopting best practices in headers, policy transparency, and vulnerability management.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service pages to improve transparency and compliance.
  2. Add and configure security headers (CSP, HSTS, X-Frame-Options, X-Content-Type-Options) to strengthen security posture.
  3. Publish a security policy and incident response contact information to improve trust and readiness.
  4. Audit and monitor third-party scripts regularly to mitigate supply chain risks.
  5. Enhance form security with anti-CSRF tokens and input validation to prevent common web vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Valeurs mobilières Desjardins
Description
Valeurs mobilières Desjardins est la firme de courtage du Mouvement Desjardins, la plus importante institution financière au Québec.
Key services
Wealth management, Brokerage services, Financial planning, Retirement planning, Tax reduction strategies, Estate planning, Corporate financing, Philanthropy
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 3.4.1, jQuery (implied by Bootstrap 3 usage), Google Tag Manager, Qualtrics, OneTrust Cookie Consent, Custom JavaScript
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced (implied by secure login form)
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Tag Manager, Qualtrics
Tracking level
moderate
Privacy practices
basic

Advertising

Marketing tools
Qualtrics, OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge detected.
  2. Content is professional, well-structured, and targeted at wealth management clients.
  3. No explicit privacy policy or terms of service pages found in the provided content.
  4. Cookie consent mechanism is implemented with OneTrust.
  5. No direct contact emails or phone numbers found; client access is via secure login form.
  6. WHOIS data is not publicly available, indicating privacy protection or non-public registration.
  7. Use of multiple Google Tag Manager containers and Qualtrics for analytics and surveys.
  8. No security headers detected in provided data; recommend adding for improved security posture.
Technical notes

Notes

The website uses Bootstrap 3.4.1 for responsive design and layout, supported by jQuery (implied). Google Tag Manager is deployed with multiple containers, indicating sophisticated analytics and marketing tracking. Qualtrics scripts suggest active user feedback or survey mechanisms. OneTrust is used for cookie consent management, reflecting GDPR and privacy compliance efforts. The site is mobile optimized and accessible with ARIA landmarks and labels. Performance is moderate, with deferred script loading and CDN usage for static assets. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not discernible from the content. The technical stack is stable but could benefit from modernization and enhanced security configurations.
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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