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Security report for xrewards.ee

Citadele · Finance · Estonia

Medium risk. 4 critical or high findings in Email security, GDPR outside view and 1 other check.

Security score

75/100

Risk levelMedium

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

The website www.xrewards.ee represents the C REWARDS loyalty and discount program affiliated with Citadele bank, targeting C card holders primarily in Estonia and the Baltic region. The platform offers users the ability to earn points on purchases and redeem them for discounts and prizes, integrating banking services with retail loyalty. The website is built on Magento CMS with modern frontend technologies including RequireJS and jQuery, and is monitored using New Relic and Google Tag Manager. The site is well-optimized for mobile devices and provides a good user experience with clear navigation and professional design. Security posture is strong with HTTPS enforced and appropriate security headers, though explicit security policies and incident response contacts are not published. Privacy and cookie policies are comprehensive and GDPR compliant, with active consent mechanisms. Overall, the site demonstrates a mature digital infrastructure aligned with the business goals of Citadele bank's loyalty program.

Scanned

NIS2 and GDPR posture

GDPR outside view
85/ 100 · Low
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. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  2. GDPR outside view

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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. 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

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

Keep watching xrewards.ee

This scan found 19 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

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • 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
77
Security headers
85
Email security
40
DNS health
60
Network security
100
GDPR outside view
85
Average
75

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 a loyalty rewards program integrated with Citadele bank, leveraging the bank's customer base and card services. Its market positioning is strong within the Baltic financial services sector, offering value-added services to cardholders. The business model focuses on customer retention and engagement through points accumulation and redemption. The website content and structure reflect a medium-sized enterprise with consistent branding and trust signals such as official contact details and privacy compliance. The partnership with Citadele bank is evident and critical to the program's legitimacy and reach. Growth indicators include multi-language support and integration with banking login services.

Security posture

The website exhibits a good security posture with HTTPS enforced and standard security headers present. There is no evidence of exposed sensitive data or vulnerable libraries in the HTML content. The use of cookie consent banners aligns with GDPR requirements. However, the absence of a dedicated security policy page, incident response contact information, and vulnerability disclosure mechanisms represents gaps in transparency and readiness. The site uses third-party monitoring and analytics tools responsibly, but continuous auditing of these tools is recommended. Overall, the security maturity is moderate to high but could be improved with explicit security governance documentation.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Implement and publicize a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  3. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Regularly review and update third-party scripts and dependencies to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Citadele
Description
C REWARDS is a discount and rewards program for C card users, allowing customers to earn points on purchases and redeem them for discounts and prizes. The program targets C card holders primarily in Estonia and the Baltic region.
Key services
Points accumulation on purchases, Discount offers, Prize redemption
Content quality
good
Branding
consistent

Technology

Stack
Magento, RequireJS, jQuery, New Relic monitoring
Frameworks
Magento frontend framework
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Tag Manager, New Relic
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
New Relic
Transparency
basic

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 challenges
  2. Uses HTTPS with proper security headers
  3. Clear privacy and cookie policies with consent mechanisms
  4. Business is linked to Citadele bank, a known financial institution
  5. Magento CMS platform with modern frontend technologies
  6. Good mobile optimization and user experience
  7. No explicit security policy or incident response contact found
  8. No vulnerability disclosure or security.txt present
  9. Contact information includes official email and phone number
  10. Use of New Relic and Google Tag Manager for monitoring and analytics
Technical notes

Notes

The website is built on Magento CMS, utilizing RequireJS for module loading and jQuery for DOM manipulation. It employs New Relic for performance monitoring and Google Tag Manager for analytics and marketing tag management. The site uses responsive design techniques for mobile optimization and includes SEO best practices such as meta tags and canonical links. Performance is moderate, with room for improvement in load times and accessibility. The technical stack is modern and well-maintained, but the site could benefit from enhanced accessibility compliance and explicit security headers like Content-Security-Policy if not already implemented at the server level.
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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