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Security report for zaplonasplatky.cz

Finance · Czech Republic

Medium risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

74/100

Risk levelMedium

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

The website www.zaplonasplatky.cz operates as an online lending platform offering quick installment loans ranging from 10,000 to 60,000 CZK. It targets individuals in the Czech Republic seeking fast personal loans with an easy online application process. The site is professionally designed with consistent branding and good content quality, focusing on its core financial services. Technically, the site is built on the Webflow CMS platform, uses Cloudflare for hosting and security, and integrates multiple third-party analytics and marketing tools such as Google Tag Manager, Microsoft Clarity, and Facebook Pixel. The cookie consent mechanism is comprehensive and GDPR compliant, presented in Czech language with clear user options. Security posture is good with HTTPS enforced and no visible vulnerabilities, though some security headers are not confirmed and could be improved. The lack of WHOIS registration data and absence of explicit contact information or terms of service pages slightly reduce business credibility. Overall, the site is functional and trustworthy for its purpose but would benefit from enhanced transparency and security documentation.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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. 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 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. 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

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

Keep watching zaplonasplatky.cz

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.

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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
57
Security headers
30
Email security
85
DNS health
85
Network security
100
GDPR outside view
88
Average
74

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 zaplonasplatky.cz, from OffSeq Breach.

Total records
1,799
Employees
0
Customers
1,799
Third parties
0
Weak passwords
7%

5 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 zaplonasplatky.cz.

Select it in the checkout above.

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

The business operates in the finance sector, specifically online lending, with a small market presence focused on the Czech Republic. It leverages partnerships or related domains such as zaplo.cz and kimbi.cz, indicating a networked ecosystem for loan services. The business model centers on providing quick personal loans with installment payments, targeting consumers needing fast access to funds. The website's use of multiple marketing and analytics platforms suggests active customer acquisition and retargeting strategies. However, the absence of visible company registration or contact details on the site limits transparency. The company appears to maintain compliance with GDPR through cookie consent but lacks visible certifications or security policies. Growth potential exists if trust and compliance transparency are enhanced.

Security posture

The website demonstrates a moderate to good security posture with HTTPS enabled and use of Cloudflare for hosting and DDoS protection. The cookie consent mechanism is robust and GDPR compliant, indicating attention to privacy regulations. However, the absence of explicit security headers like Content-Security-Policy and X-Frame-Options is a gap. No visible vulnerabilities or exposed sensitive data were found in the HTML content. The site uses multiple third-party scripts which should be regularly audited to prevent supply chain risks. Lack of incident response or vulnerability disclosure information reduces preparedness visibility. Overall, security practices are adequate but could be improved with enhanced header policies and documented security policies.

Recommendations

  1. Implement and verify security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Publish explicit privacy and security policy pages including contact information for data protection officers or security incidents.
  3. Add a terms of service page to clarify user agreements and legal protections.
  4. Provide clear company contact details including emails and phone numbers to improve business credibility and user trust.
  5. Regularly audit third-party scripts and cookies to ensure no vulnerabilities or privacy risks are introduced.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Description
Online loan service offering quick installment loans ranging from 10,000 to 60,000 CZK with fast online application and quick fund transfer.
Key services
Online installment loans, Personal loans
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, Microsoft Clarity, CookieInformation Consent Management, Cloudflare
Frameworks
Webflow
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Microsoft Clarity
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Marketing Platform, Adform, Facebook
Tracking pixels
Microsoft Clarity
Marketing tools
Google Marketing Platform, Adform
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Comprehensive cookie consent mechanism implemented in Czech language.
  3. No visible contact emails or phone numbers on homepage or cookie banner.
  4. WHOIS data unavailable, which is a concern for domain legitimacy verification.
  5. Use of multiple third-party analytics and marketing tools.
  6. Website content focused on online installment loans in Czech Republic.
  7. No explicit security or privacy policy pages found beyond cookie consent.
  8. No terms of service page detected.
  9. No visible security incident response or vulnerability disclosure information.
Technical notes

Notes

The website is built on the Webflow CMS platform and hosted behind Cloudflare, providing a modern and scalable infrastructure. It uses JavaScript libraries such as jQuery and integrates analytics and marketing tools including Google Tag Manager, Microsoft Clarity, and Facebook Pixel. The site is mobile optimized with responsive design and basic accessibility features. Performance is moderate with CDN usage for static assets. SEO is supported by proper meta tags and Open Graph data. However, some technical improvements could be made in accessibility and security header implementation. The cookie consent mechanism is implemented via a third-party service, ensuring compliance with GDPR. Overall, the technical stack is modern and appropriate for the business needs.
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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