Is erahoius.ee Safe? Security Analysis for Tallinna Hoiu-Laenuühistu
https://erahoius.eeCheck if erahoius.ee is a scam or legitimate. Free security scan and reviews.
Below Finance avg (78)
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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
Tallinna Hoiu-Laenuühistu is a financial cooperative based in Estonia, founded in 2010, providing deposit and loan services primarily to physical and legal persons within Estonia. The website presents a professional and comprehensive digital presence, offering detailed product information, legal documents, and clear contact channels. The technical infrastructure includes modern JavaScript libraries, Google Tag Manager, and analytics tools, with a focus on user privacy and consent management. Security posture is strong with HTTPS enforcement and appropriate security headers, though explicit security policies and incident response details are not published. Overall, the site reflects a trustworthy and compliant financial institution with a solid market position in Estonia.
Detected Technologies
7 urgent findings need attention
7 high
Keep erahoius.ee 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
4 findings
65/100
GDPR Compliance
2 findings
83/100
NIS2 Compliance
9 findings
2/100
Email Security
4 findings
75/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The cooperative operates in the finance sector, targeting individuals and businesses seeking deposit and mortgage loan products. Its business model is based on member cooperation, with members also acting as owners and decision-makers. The presence of extensive legal documentation and annual reports indicates transparency and regulatory compliance. The website's growth indicators, such as member increase data, suggest steady expansion. The use of Google services for analytics and marketing is balanced with privacy controls. No suspicious domains or partners were identified, reinforcing the institution's credibility.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (2)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with HTTPS, security headers, and cookie consent mechanisms. No vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a published security policy, incident response plan, or vulnerability disclosure program indicates room for improvement in transparency and readiness. The cookie consent denies ad and analytics storage by default, showing privacy-conscious design. The site would benefit from publishing a security.txt file and providing direct security contact channels to enhance trust and compliance.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy and incident response information on the website.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Tallinna Hoiu-Laenuühistu
Tallinna Hoiu-Laenuühistu on füüsiliste ja juriidiliste isikute hoiundus- ja finantseerimisasutus, mis pakub hoiuseid kuni 7,5% intressiga ning kinnisvara tagatisel laene.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Cookie consent with granular options
- No exposed sensitive data in HTML
- Secure form inputs with validation
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and content rich
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🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Weak X-XSS-Protection configuration
LOWCurrent value: "1"
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
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements
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: energy, transport, banking, 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 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
DKIM Selectors Found
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
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
Domain Transfer Lock Not Enabled
MEDIUMDomain can be transferred without authorization
Domain Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
- •No domain protection locks enabled
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
How does erahoius.ee 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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