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Is cma.ee a Scam? Security Check Results - CMA laenud

cma.ee Security Report Summary

cma.ee received a security score of 51 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers CMA laenud's website security posture. CMA laenud operates in the Finance industry in Estonia.

CMA laenud operates as a small Estonian financial information website focused on providing content about various loan and credit products, including unsecured loans and credit accounts. The site targets Estonian-speaking individuals seeking financial solutions and appears to function primarily as an informational and possibly affiliate platform. The website is built on WordPress, leveraging modern SEO tools such as Rank Math, and is hosted behind Cloudflare DNS services, ensuring good SSL configuration and moderate performance. Mobile optimization and SEO practices are well implemented, though accessibility features are basic. From a security perspective, the site benefits from HTTPS and Cloudflare DNS but lacks important security headers and formal security policies. No privacy or cookie policies are present, and contact information is limited to a contact form without direct emails or phone numbers, which may impact user trust and compliance with GDPR. There is no evidence of incident response or vulnerability disclosure mechanisms. The domain registration is consistent with the website's geographic and business focus, registered to an Estonian company since 2016, supporting legitimacy. Overall, CMA laenud presents a professional and functional online presence with good content quality and technical implementation but requires improvements in privacy compliance, security best practices, and contact transparency to enhance trustworthiness and regulatory adherence.

The security scan identified 35 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: WordPress, PHP, JavaScript, CSS.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is cma.ee Safe? Security Analysis for CMA laenud

http://cma.ee

Check if cma.ee is a scam or legitimate. Free security scan and reviews.

FinanceEstoniasmall
WordPressPHPJavaScriptCSS
Analyzed 6/27/2025Completed 7:41:38 PM9mo ago
51
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domaincma.ee
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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

CMA laenud operates as a small Estonian financial information website focused on providing content about various loan and credit products, including unsecured loans and credit accounts. The site targets Estonian-speaking individuals seeking financial solutions and appears to function primarily as an informational and possibly affiliate platform. The website is built on WordPress, leveraging modern SEO tools such as Rank Math, and is hosted behind Cloudflare DNS services, ensuring good SSL configuration and moderate performance. Mobile optimization and SEO practices are well implemented, though accessibility features are basic. From a security perspective, the site benefits from HTTPS and Cloudflare DNS but lacks important security headers and formal security policies. No privacy or cookie policies are present, and contact information is limited to a contact form without direct emails or phone numbers, which may impact user trust and compliance with GDPR. There is no evidence of incident response or vulnerability disclosure mechanisms. The domain registration is consistent with the website's geographic and business focus, registered to an Estonian company since 2016, supporting legitimacy. Overall, CMA laenud presents a professional and functional online presence with good content quality and technical implementation but requires improvements in privacy compliance, security best practices, and contact transparency to enhance trustworthiness and regulatory adherence.

Detected Technologies

WordPressPHPJavaScriptCSS

14 urgent findings need attention

2 critical · 12 high

  • + 6 more findings in the full report below
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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

8 findings

15/100

GDPR Compliance

4 findings

25/100

NIS2 Compliance

9 findings

2/100

Email Security

5 findings

60/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The website positions itself as a niche financial content provider in Estonia, focusing on loan and credit information. Its business model likely revolves around content marketing and affiliate partnerships with financial service providers, although no direct partner links are evident. The target market is local Estonian consumers seeking accessible financial advice and loan options. The site has been operational since 2016, indicating some market presence and stability. However, the absence of direct contact details and formal policies may limit its competitive advantage and user confidence. There is no indication of a broader partnership ecosystem or subsidiaries. Growth potential may depend on expanding service transparency and compliance. The website's use of WordPress and SEO tools suggests a focus on organic search traffic. The lack of advertising or tracking scripts indicates a minimalistic marketing approach, possibly relying on content quality and SEO rather than paid campaigns.

Security Posture Analysis

Comprehensive Security Assessment

The security posture of CMA laenud is moderate. The site uses HTTPS with a valid SSL certificate and Cloudflare DNS, which provides a solid foundation for secure communications. However, the absence of security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces protection against common web attacks. No security or incident response policies are published, and there is no vulnerability disclosure or security.txt file, which limits transparency and preparedness for security incidents. Forms are present (search and contact forms), but there is no explicit indication of anti-CSRF tokens or advanced input validation visible in the HTML. No exposed sensitive data or vulnerable libraries were detected. The lack of privacy and cookie policies is a compliance gap, especially under GDPR. Overall, the site should enhance its security headers, publish security policies, and implement cookie consent mechanisms to improve its security maturity and compliance.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement comprehensive privacy and cookie policies with GDPR compliance details.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

CMA laenud

Description:

Website provides information about various loan products including unsecured loans, credit accounts, and credit services aimed at individuals seeking financial solutions.

Key Services:
Information on unsecured loansCredit accountsCredit services
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
WordPressPHPJavaScriptCSS
Frameworks:
Rank Math SEO
Platforms:
WordPress
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
75/100
Best Practices:
  • HTTPS enabled
  • Use of Cloudflare DNS

Analytics & Tracking

Tracking Level:minimal
Privacy Compliance:poor

Advertising & Marketing

Marketing Tools:
Rank Math SEO
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 a WordPress-based financial information site focused on loans and credit in Estonia.

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🛡️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

25/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

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

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️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: transport, digital

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

60/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

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

No email authentication configured

CRITICAL

Domain is vulnerable to email spoofing

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

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

75/100
Score

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 44 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:cma.ee
Issuer:WE1
Valid Until:8/11/2025 (44 days)
SANs:cma.ee, *.cma.ee

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

60/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
9 years(mature)
Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:104.21.28.181, 172.67.147.16
AAAA Records:2606:4700:3034::6815:1cb5, 2606:4700:3035::ac43:9310
Name Servers:
lennox.ns.cloudflare.com
lina.ns.cloudflare.com
SOA:Serial: 2372640432, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:77ms

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

How does cma.ee compare?

See how cma.ee stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on WordPress CMS version 6.8.1, using PHP and JavaScript with CSS for styling. It employs the Rank Math SEO plugin for metadata and structured data management, enhancing SEO performance. Hosting is supported by Cloudflare DNS, providing SSL and CDN services. The site loads CSS and JS assets efficiently, with minified and cached resources indicating moderate performance optimization. Mobile responsiveness is good, and the site uses modern HTML5 and ARIA roles for accessibility, though accessibility features are basic.
No major technical debt or outdated libraries were detected. However, the absence of security headers and privacy compliance features indicates areas for modernization. The site could benefit from enhanced accessibility features and performance tuning for faster load times.
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Marketing Intelligence

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49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domaincma.ee
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

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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