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Is fintop.cz a Scam? Security Check Results - FinTOP.cz Reviews

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Is fintop.cz Safe? Security Analysis for FinTOP.cz

Check if fintop.cz is a scam or legitimate. Free security scan and reviews.

FinanceCzech Republicsmall
WordPressjQueryOneSignal Web PushMatomo AnalyticsGoogle Fonts+4 more
Analyzed 8/1/2025Completed 2:12:40 AM
59
Security Score
MEDIUM RISK

AI Summary

FinTOP.cz is a Czech financial advice and review website targeting the general public with tips on saving money on insurance, utilities, mobile tariffs, and financial products such as loans and savings accounts. The site offers free financial consulting and aims to help users make informed financial decisions. Technically, the website is built on WordPress using the Newspaper theme and several plugins including Contact Form 7 and TablePress. It employs modern web technologies such as HTTPS, service workers for push notifications, and Matomo analytics for user tracking. Security posture is generally good with HTTPS enabled and no visible vulnerabilities, but lacks some security headers and explicit privacy and cookie policies, which are compliance gaps. The domain WHOIS data is unavailable, which slightly reduces trustworthiness, but the website content and social media presence support legitimacy. Overall, the site is professional and functional but should improve privacy compliance and security transparency.

Detected Technologies

WordPressjQueryOneSignal Web PushMatomo AnalyticsGoogle FontsContact Form 7TablePressYoast SEOPremium Stock Market Widgets

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

FinTOP.cz operates in the finance sector as an online platform providing financial tips, service reviews, and free consulting primarily for Czech consumers. Its business model revolves around content marketing and possibly affiliate partnerships with financial service providers, although no explicit affiliate programs were detected. The website targets a broad audience interested in saving money and managing personal finances. The company appears small and niche-focused with a clear market positioning as a trusted source for financial advice in the Czech Republic. Social media channels enhance its outreach and credibility. The lack of detailed company registration or WHOIS data limits deeper business intelligence insights.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a moderate to good security posture with HTTPS enforced and no exposed sensitive data in the HTML. Use of service workers for push notifications is implemented securely. However, the absence of key security headers such as Content-Security-Policy and lack of a published security policy or incident response contacts indicate room for improvement. No vulnerability disclosure or security.txt files were found, which could hinder responsible vulnerability reporting. Privacy compliance is weak due to missing privacy and cookie policies and consent mechanisms, posing regulatory risks under GDPR. Overall, the site is secure for general use but should enhance transparency and compliance to strengthen security culture.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement comprehensive privacy and cookie policies with explicit GDPR compliance and user consent mechanisms.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

FinTOP.cz

Description:

Ušetřete peníze na pojištění, účtech za elektřinu a plyn, za volání na mobilních tarifech, za vedení účtu a jiném. Získejte také výhodné půjčky, pojištění, spořící účty a jiné smlouvy. Finanční poradenství je zdarma. Spořte a investujte.

Key Services:
Financial tipsReviews of financial servicesFree financial consultingInsurance adviceLoan offersSavings accounts
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
WordPressjQueryOneSignal Web PushMatomo AnalyticsGoogle FontsContact Form 7TablePressYoast SEOPremium Stock Market Widgets
Frameworks:
Newspaper WordPress Themetd-composer plugin
Platforms:
WordPress CMS
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • Use of service workers for push notifications
  • No exposed sensitive data found in HTML

Analytics & Tracking

Services:
Matomo
Tracking Level:moderate
Privacy Compliance:poor

Advertising & Marketing

Ad Networks:
Google AdSense
Tracking Pixels:
Matomo
Marketing Tools:
OneSignal Web Push Notifications
Transparency Level:basic

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 Czech financial advice portal with good content and professional design.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

30/100
Score

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

10/100
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

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Twitter, YouTube, Google APIs

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

17/100
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

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

70/100
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

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 a mx ip4:46.28.106.169 ip4:89.221.213.101 ip4:89.221.213.102 ip4:185.82.213.38 ip4:77.78.104.0/24 ip4:185.28.192.0/22 ip4:185.28.193.0/24 include:spf.seznam.cz include:_spf.we.wedos.net ~all
DNS Lookups:4/10
Policy:~all

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

95/100
Score

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 52 days

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:fintop.cz
Issuer:R10
Valid Until:9/22/2025 (52 days)
SANs:*.fintop.cz, fintop.cz

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
3 years(established)

DNS Records

A Records:45.138.107.39, 45.138.107.40
AAAA Records:2a0e:acc0::c39, 2a0e:acc0::c40
Name Servers:
ns.wedos.com
ns.wedos.czDNS only
ns.wedos.eu
ns.wedos.net
MX Records:
10: e1336747896aeea8.mx2.emailprofi.seznam.cz
20: e1336747896aeea8.mx1.emailprofi.seznam.cz
SOA:Serial: 2025072701, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:97ms

SPF Analysis

SPF Record:
v=spf1 a mx ip4:46.28.106.169 ip4:89.221.213.101 ip4:89.221.213.102 ip4:185.82.213.38 ip4:77.78.104.0/24 ip4:185.28.192.0/22 ip4:185.28.193.0/24 include:spf.seznam.cz include:_spf.we.wedos.net ~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 WordPress CMS platform using the Newspaper theme and several well-known plugins. It uses jQuery, Google Fonts, Matomo analytics, and OneSignal for push notifications. The site is mobile optimized with responsive design and good SEO practices including structured data (JSON-LD) and meta tags. Performance is moderate with some external dependencies but no major issues detected. Accessibility is basic but could be improved. Hosting provider details are not evident from the HTML. Overall, the technical infrastructure is solid for a small to medium-sized content site but could benefit from enhanced security configurations and privacy features.
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