Is coolcredit.cz Safe? Security Analysis for COOL CREDIT, s.r.o.
https://coolcredit.czCheck if coolcredit.cz is a scam or legitimate. Free security scan and reviews.
Below Finance avg (78)
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Domains scanned
500+
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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
COOL CREDIT, s.r.o. is a Czech Republic-based financial services company specializing in fast, reliable non-bank online loans up to 25,000 CZK. Licensed by the Czech National Bank, it offers quick SMS-based loan applications and approvals, targeting individuals needing short-term financial assistance. The company has a strong market position with over 10 years of experience and emphasizes responsible lending without requiring guarantors. Technically, the website employs modern JavaScript frameworks, integrates multiple analytics and marketing tools, and is optimized for mobile and accessibility. Security posture is solid with HTTPS enforcement and cookie consent mechanisms, though explicit security policies and incident response contacts are not publicly documented. Overall, the website is professional, trustworthy, and compliant with GDPR regulations, providing clear contact information and comprehensive user support.
Detected Technologies
8 urgent findings need attention
8 high
Keep coolcredit.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
7 findings
30/100
GDPR Compliance
No critical findings yet
100/100
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 company operates in the competitive Czech non-bank lending sector, leveraging quick online processes and licensed credibility to attract customers. Its business model focuses on short-term loans with flexible repayment terms and no collateral requirements. The presence of detailed FAQs, downloadable legal documents, and transparent policies supports customer trust and regulatory compliance. The company maintains active social media presence and partners with recognized platforms for marketing and analytics. Growth indicators include a decade-long market presence and a broad service offering including weekend loans and loans for various customer segments. Strategic observations suggest continued investment in digital marketing and customer experience to maintain competitive advantage.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Company Registration
COOL CREDIT, s.r.o.
02112621
Security Posture Analysis
Comprehensive Security Assessment
COOL CREDIT demonstrates a mature security posture with HTTPS enforced and use of security monitoring tools like New Relic. The website implements cookie consent compliant with GDPR, uses reputable third-party analytics, and avoids exposing sensitive data in the frontend. However, the absence of a publicly available security policy, incident response contacts, or vulnerability disclosure mechanisms indicates room for improvement in transparency and readiness. No critical vulnerabilities or suspicious patterns were detected in the analysis. Enhancing security headers and publishing a security.txt file would strengthen the security culture and customer confidence.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page detailing security practices and controls.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
COOL CREDIT, s.r.o.
COOL CREDIT offers fast, reliable non-bank online loans up to 25,000 CZK with quick approval and disbursement, licensed by the Czech National Bank (ČNB).
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- Cookie consent with opt-in/out
- No exposed sensitive data in HTML
- Use of security monitoring (New Relic)
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with rich content and no blocking detected.
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
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
Critical sector without clear security compliance
HIGHDetected sectors: transport, banking, health, digital
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📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DMARC 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
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
Service Exposed: SSH
MEDIUMPort 22 (SSH) is publicly accessible - SSH - Secure but can be brute-forced
How does coolcredit.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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Community rating
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