Is acema.cz Safe? Security Analysis for ACEMA Credit Czech
https://acema.czCheck if acema.cz is a scam or legitimate. Free security scan and reviews.
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SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
AI Summary
ACEMA Credit Czech operates a professional financial services website focused on providing fast non-bank loans in the Czech Republic. The company has been established since 2011 and offers loans up to 50 million CZK with quick payout times. The website is built on WordPress using Elementor and Yoast SEO, indicating a modern and maintainable technical infrastructure. The presence of Cookiebot and Google Tag Manager with privacy settings shows attention to user consent and tracking transparency. However, explicit privacy policy and terms of service pages were not found in the provided content, which is a compliance gap. Security posture is generally good with HTTPS and consent mechanisms but lacks some security headers and vulnerability disclosure information.
Detected Technologies
10 urgent findings need attention
1 critical · 9 high
- + 2 more findings in the full report below
Keep acema.cz under constant watch
Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.
Security drift alerts
Risk score drops, new high-severity issues, and header hardening gaps
Compliance watch
GDPR / NIS2 posture changes with governance evidence snapshots
Infrastructure surface
Unexpected open services, SSL expiry, DNS & email authentication changes
Content & tracker intelligence
Marketing tech shifts, analytics drift, and AI recommendation updates
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Security Headers
6 findings
35/100
GDPR Compliance
No critical findings yet
100/100
NIS2 Compliance
8 findings
17/100
Email Security
4 findings
77/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The company targets Czech residents seeking non-bank financial loans, positioning itself as a fast and accessible lender with competitive interest rates starting at 9.69% p.a. The business model is focused on direct lending without registry checks, appealing to customers needing quick credit solutions. The website's integration with social media platforms like Facebook, YouTube, and LinkedIn supports brand presence and customer engagement. The domain age and WHOIS data align with the business claims, supporting legitimacy. No suspicious domains or partners were identified. The company appears to be medium-sized with a focused market niche in finance.
Security Posture Analysis
Comprehensive Security Assessment
The website uses HTTPS and implements cookie consent with data redaction settings in Google Tag Manager, which are positive security and privacy practices. However, no explicit security headers such as Content-Security-Policy or X-Frame-Options were detected, which could improve protection against common web attacks. There is no visible security policy or incident response contact information, nor a vulnerability disclosure or security.txt file. The absence of these elements suggests room for improvement in security transparency and incident readiness. No vulnerabilities or exposed sensitive data were detected in the provided content.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a comprehensive privacy policy and terms of service pages to improve compliance and user trust.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
ACEMA Credit Czech
Nebankovní úvěry s vyplacením do 48 hod. bez nahlížení do registru. Půjčka až 50 mil. Kč a snadné vyřízení úvěru.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enabled
- Cookie consent with consent mode configured
- Google Tag Manager with ads data redaction enabled
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is a professional financial services site offering non-bank loans in Czech Republic
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
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📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
Complex SPF record
LOWToo many include statements can cause lookup limits
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DMARC reporting
LOWDMARC aggregate reports not configured
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
MTA-STS Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 40 days
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
High-Risk Service Exposed: FTP
HIGHPort 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer
Critical Service Exposed: PostgreSQL
CRITICALPort 5432 (PostgreSQL) is publicly accessible - PostgreSQL - Database server
How does acema.cz compare?
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🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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Marketing Intelligence
Contact emails, phone numbers & warm leads
Plan Comparison
| Feature | PDF Report | Marketing+ |
|---|---|---|
| Full security analysis | ||
| Professional PDF export | ||
| Email delivery | ||
| Lifetime access + unlock code | ||
| Contact emails & phones | — | |
| Marketing outreach data | — |
Already purchased?
Order summary
Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.
Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.
SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
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