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Security report for zav-vita.si

Življenjska zavarovalnica Vita · Finance · Slovenia

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

Življenjska zavarovalnica Vita operates as the largest bank-affiliated life insurance provider in Slovenia, offering health and life insurance products with 24/7 customer support. The company positions itself as a trustworthy insurer with transparent terms and no fine print, targeting a broad Slovenian audience. The website reflects a professional and consistent brand image aligned with its banking parent company, NLB. Technically, the site employs modern JavaScript frameworks, Google Tag Manager for analytics, and Google reCAPTCHA for bot protection, indicating a moderate level of digital maturity. Security posture is adequate with HTTPS and bot protection but lacks explicit security headers and published security policies. Privacy compliance is weak due to missing privacy and cookie policies and no visible consent mechanisms. Overall, the site is safe, professional, and credible but would benefit from enhanced privacy and security transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

5 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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn

      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

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

Keep watching zav-vita.si

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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
70
Email security
80
DNS health
70
Network security
100
GDPR outside view
25
Average
70

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 company holds a strong market position as Slovenia's largest bank life insurer, leveraging its affiliation with NLB to build trust. Its business model focuses on direct-to-consumer insurance products with an emphasis on simplicity and customer support. The absence of detailed contact information and policy disclosures online suggests a potential area for customer engagement improvement. The use of Google Tag Manager and reCAPTCHA indicates integration with common marketing and security ecosystems. No affiliate or partner domains were identified, suggesting a focused operational scope. The domain age and registrar data support the legitimacy and stability of the business.

Security posture

The website demonstrates a baseline security posture with HTTPS enforced and integration of Google reCAPTCHA to mitigate automated abuse. However, the lack of visible security headers such as Content-Security-Policy, X-Frame-Options, and others reduces defense-in-depth. No incident response or vulnerability disclosure policies are published, which may impact transparency and readiness. Privacy compliance is minimal, with no privacy or cookie policies detected, and consent defaults to denied for ad and analytics storage, which is positive but insufficient alone. No vulnerabilities or exposed sensitive data were detected in the provided content. Overall, the security maturity is moderate but can be improved by adopting best practices and publishing relevant policies.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements.
  2. Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  3. Provide clear and accessible contact information including security and incident response contacts.
  4. Develop and publish a vulnerability disclosure policy or security.txt file to enhance transparency.
  5. Regularly audit and update third-party libraries and scripts to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Življenjska zavarovalnica Vita
Description
Vita zavaruje tvoje zdravje in življenje. Smo največja bančna življenjska zavarovalnica v Sloveniji, ki ti stoji ob strani 24/7. Brez drobnega tiska.
Key services
life insurance, health insurance, 24/7 customer support
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, reCAPTCHA, Font Awesome
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enabled
  • Google reCAPTCHA integration
  • Consent defaulted to denied for ad and analytics storage

Analytics and tracking

Services
Google Tag Manager
Tracking level
minimal
Privacy practices
poor

Advertising

Tracking pixels
Google reCAPTCHA
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and targeted at Slovenian insurance customers.
  2. No explicit privacy, cookie, or terms of service pages found in the provided content.
  3. Uses modern web technologies and includes Google Tag Manager and reCAPTCHA for security and analytics.
  4. No direct contact emails or phone numbers found in the provided HTML snippet.
  5. WHOIS data confirms domain legitimacy and appropriate registration.
  6. No security headers detected in the provided data; potential area for improvement.
  7. No evidence of vulnerability disclosure or incident response policies.
Technical notes

Notes

The website uses modern front-end technologies, likely Vue.js, with extensive use of CSS modules and JavaScript. Google Tag Manager and reCAPTCHA are integrated for analytics and security. The hosting is provided by Telekom Slovenije, a reputable Slovenian provider. Performance is moderate with good mobile optimization and SEO meta tags present. Accessibility is basic but could be enhanced. No CMS was explicitly detected. The site uses Font Awesome for icons. The technical infrastructure is solid but could benefit from improved security headers and privacy compliance mechanisms.
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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