Is incredit.lv Safe? Security Analysis for Incredit
Check if incredit.lv is a scam or legitimate. Free security scan and reviews.
AI Summary
Incredit is a licensed Latvian financial services company specializing in consumer and business credit products, operating since 2010 as a subsidiary of Rietumu Banka. The company offers a variety of loan products including consumer loans, auto loans, credit lines, and refinancing options, targeting Latvian consumers and businesses. The website is professionally designed with good content quality, clear navigation, and multiple contact points including physical offices across Latvia. Technically, the site uses modern JavaScript libraries and Google Tag Manager for analytics, with good mobile optimization and accessibility features. Security posture is solid with HTTPS enforced and secure forms, though some security headers and explicit security policies are absent. Privacy and cookie policies are comprehensive and GDPR compliant with active consent mechanisms. WHOIS data was unavailable due to query limits, limiting domain registration verification, but website content and business information appear legitimate and consistent with a licensed financial institution. Overall, the site demonstrates a mature digital presence with moderate to good security and privacy practices.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Incredit holds a stable market position in Latvia's finance sector as a licensed credit provider with a broad portfolio of loan products. Its business model focuses on accessible online and offline credit services for individuals and businesses. The company leverages its parent company Rietumu Banka's backing to build trust and credibility. Customer testimonials and multiple office locations enhance its market reach and customer service reputation. The website supports lead generation through online forms and interactive calculators. Marketing efforts include Google Tag Manager and social media presence on Facebook, YouTube, Instagram, LinkedIn, and Twitter. The company targets a broad demographic of Latvian consumers needing credit solutions, emphasizing convenience, speed, and competitive rates. Growth indicators include active promotions and a loyalty program. Strategic partnerships or subsidiaries are not explicitly detailed beyond the parent company relationship.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (10)
Phone Numbers (10)
Security Posture Analysis
Comprehensive Security Assessment
The website enforces HTTPS and uses secure form validation, which are positive security practices. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options reduces the overall security posture. No visible vulnerabilities or exposed sensitive data were detected in the HTML content. Privacy compliance is strong with clear privacy and cookie policies and consent mechanisms. The lack of a published security policy or incident response contact limits transparency and readiness perception. No vulnerability disclosure or security.txt file was found, which could improve security culture and user trust. Overall, the security maturity is moderate to good but could benefit from enhanced header policies and explicit security communications.
Strategic Recommendations
Priority Actions for Security Improvement
Implement security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Incredit
Incredit offers consumer loans up to 15,000 EUR without guarantees or collateral, with online application options and multiple credit products including consumer loans, auto loans, credit lines, and refinancing.
good
consistent
Technical Stack
moderate
good
good
good
Security Assessment
- HTTPS enforced
- Secure forms with validation
- Cookie consent mechanism implemented
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with rich content and interactive features.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing Strict-Transport-Security header
HIGHForces HTTPS connections
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
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
EU business without adequate privacy measures
CRITICALEU businesses are subject to strict GDPR requirements
Third-party services without privacy policy
HIGHDetected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube
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
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
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
🏆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
No DMARC Record
MEDIUMDMARC policy not configured
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
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings