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Is bimaplan.co a Scam? Security Check Results - Purple Umbrella Fintech Private Limited Reviews

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Is bimaplan.co Safe? Security Analysis for Purple Umbrella Fintech Private Limited

Check if bimaplan.co is a scam or legitimate. Free security scan and reviews.

FinanceIndiasmall
ReactNext.jsMaterial-UICloudflare DNS
Analyzed 8/4/2025Completed 7:13:32 AM
58
Security Score
MEDIUM RISK

AI Summary

Bimaplan is a fintech company operating an embedded insurance platform that simplifies insurance distribution through end-to-end API integration and partner portals. The company targets fintech, e-commerce, logistics, gig economy, SME, and POS sectors, aiming to serve underserved insurance customers with a seamless digital experience. Their business model focuses on technology-driven insurance enablement, positioning them as a niche player in the embedded insurance market in India. The website reflects a modern, professional design with clear navigation and mobile optimization, indicating a mature digital presence for a startup founded in 2020. Technically, the site uses a modern React and Next.js stack with Material-UI components, hosted on AWS Cloudfront CDN, ensuring fast performance and good accessibility. However, the absence of explicit security headers and DNSSEC indicates room for improvement in security hardening. The site uses HTTPS and domain registration locks, which are positive security indicators. Privacy and terms pages are present, but cookie policy and consent mechanisms are missing, which could impact compliance. Security posture is moderate with no critical vulnerabilities detected in the provided data, but the lack of published security policies and incident response contacts suggests limited transparency in security governance. The WHOIS data shows privacy protection via Domains By Proxy, which is common and justified for fintech startups. Overall, the site is trustworthy with moderate risk, but improvements in security policies and privacy compliance are recommended. Strategic recommendations include enabling DNSSEC, implementing security headers, publishing security and incident response policies, adding cookie consent mechanisms, and auditing third-party scripts. These steps will enhance security posture, compliance, and user trust.

Detected Technologies

ReactNext.jsMaterial-UICloudflare DNS

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Bimaplan operates in the embedded insurance technology sector, providing API-based insurance integration solutions to fintech and related industries. Their competitive advantage lies in offering a full-stack platform that enables partners to issue multiple insurance policies digitally with ease. Revenue streams likely include API usage fees, partner onboarding, and possibly premium sharing. The target customers are fintech companies, e-commerce platforms, logistics providers, gig economy players, SMEs, and POS operators. The company shows growth potential through partnerships and technology innovation. The presence of partner logos and social media channels indicates an active ecosystem. The business is relatively young (founded 2020) but has established a credible market presence in India.

Extracted Contact Information

Marketing Intelligence Data

Email Addresses (1)

s*****@bimaplan.co

Phone Numbers (1)

+9180456*****

Company Registration

Legal Name:

Purple Umbrella Fintech Private Limited

Registration Number:

U62099KA2023PTC171678

Security Posture Analysis

Comprehensive Security Assessment

The current security maturity level is moderate. HTTPS is enforced, and domain registration includes transfer and update locks, which protect against unauthorized changes. However, DNSSEC is not enabled, and no security headers like Content-Security-Policy or X-Frame-Options were detected, which are important for mitigating common web attacks. No incident response or vulnerability disclosure policies are published, limiting transparency and preparedness. The contact email is generic support, with no dedicated security contact. No analytics or tracking scripts were found, reducing privacy risks. Overall, the security posture is adequate for a fintech startup but requires enhancements to meet higher compliance standards such as GDPR or NIS2.

Strategic Recommendations

Priority Actions for Security Improvement

1

Enable DNSSEC to secure DNS queries and prevent spoofing.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Purple Umbrella Fintech Private Limited

Description:

Bimaplan's full-stack embedded insurance platform simplifies distribution by providing end-to-end insurance integration for a seamless digital experience.

Key Services:
API Kit for insurance integrationPartner Portal for customer data upload and policy issuanceMobile web and app for instant policy issuance, customer engagement, and claims
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsMaterial-UICloudflare DNS
Frameworks:
Next.jsReact
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
70/100
Best Practices:
  • HTTPS enforced
  • Domain status includes clientTransferProhibited and other EPP locks

Analytics & Tracking

Tracking Level:minimal
Privacy Compliance:basic

Advertising & Marketing

Transparency Level:poor

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:moderate

Key Observations

1

Website is fully accessible with no blocking or WAF challenge.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

15/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-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

53/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, health, digital

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

70/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

DMARC Partial Enforcement

LOW

DMARC only applies to 10% of messages

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:_spf.google.com include:ncfp.asia ~all
DNS Lookups:2/10
Policy:~all
DKIM Selectors Found
Selector:s1(1440-bit rsa)
DMARC Details
Policy:none(10% enforcement)
Aggregate Reports:admin@bimaplan.co

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

62/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Soon

HIGH

SSL certificate expires in 29 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Domain Age
4 years(established)
Expiry Risk
none(469 days)
Protection Level
strongDNSSEC OFF
Suspicious Indicators Detected
  • Privacy/proxy registration detected

DNS Records

A Records:3.6.177.245
Name Servers:
gracie.ns.cloudflare.com
vick.ns.cloudflare.com
MX Records:
1: aspmx.l.google.com
10: alt3.aspmx.l.google.com
10: alt4.aspmx.l.google.com
5: alt1.aspmx.l.google.com
5: alt2.aspmx.l.google.com
SOA:Serial: 2379457927, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:114ms

SPF Analysis

SPF Record:
v=spf1 include:_spf.google.com include:ncfp.asia ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern React and Next.js framework with Material-UI for UI components, ensuring a responsive and performant user experience. Hosting on AWS Cloudfront CDN provides fast content delivery globally. The site uses Google Fonts and loads multiple font families for branding consistency. The code includes a sample API snippet demonstrating the platform's integration capabilities. No CMS was detected, indicating a custom-built solution. The site is mobile-optimized with good accessibility features. SEO is supported by proper meta tags and Open Graph data. However, the absence of security headers and DNSSEC indicates technical debt in security hardening. Overall, the technical infrastructure is solid but can benefit from security-focused modernization.
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