Is kredituapvienosanalv.lv Safe? Security Analysis for Kredītu apvienošana
Check if kredituapvienosanalv.lv is a scam or legitimate. Free security scan and reviews.
AI Summary
Kredītuapvienosanalv.lv is a Latvian website focused on providing loan consolidation offers by aggregating and referring users to various credit providers. The site targets individuals with existing credit obligations seeking to reduce their monthly payments and improve financial management. It operates primarily as an affiliate platform, connecting users to partner loan providers such as Moneza, SE Finance, Latkredits, and Risini.lv. The website is built on WordPress, utilizing popular SEO and performance plugins like Yoast SEO and WP Rocket, and integrates Google Analytics for user tracking. Cookie consent mechanisms are implemented to comply with GDPR requirements, although no explicit privacy policy or terms of service pages were detected on the homepage. Security posture is moderate with HTTPS enabled but lacks explicit security headers and vulnerability disclosure mechanisms. WHOIS data could not be retrieved due to query limits, limiting domain registration verification. Overall, the site presents a professional and user-friendly interface with good content relevance and navigation, suitable for its target audience in Latvia.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The business operates in the finance sector, specifically focusing on loan consolidation services in Latvia. Its business model is affiliate/referral based, generating leads for partner credit providers. The site leverages partnerships with established Latvian loan companies, enhancing its market position as a convenient aggregator. The target customers are individuals aged 18-75 with existing loans seeking better credit terms. The website content and partner offers suggest a small-sized operation with a localized market focus. The use of SEO and cookie compliance tools indicates an awareness of digital marketing and regulatory requirements. However, the absence of direct contact information and detailed company data may limit trust for some users.
Security Posture Analysis
Comprehensive Security Assessment
The website enforces HTTPS, ensuring encrypted communication. It employs cookie consent banners aligned with GDPR, indicating some level of privacy compliance. However, no explicit security headers such as Content-Security-Policy, X-Frame-Options, or X-Content-Type-Options were detected, which are recommended to mitigate common web vulnerabilities. The site lacks a security.txt file or vulnerability disclosure policy, which could improve incident response readiness. No signs of malware or phishing were found. The use of up-to-date WordPress plugins and Google Analytics is noted, but regular security audits and header implementations are advised to strengthen the security posture.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive privacy policy and terms of service pages accessible from the homepage.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Kredītu apvienošana
Izdevīgākie kredītu apvienošanas piedāvājumi vienuviet! Ātrs veids kā ietaupīt, ja jau ir kredītsaistības. Uzzini vairāk un piesakies!
good
moderate
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Cookie consent banner implemented
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is a Latvian loan consolidation offer aggregator
🛡️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
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 Privacy Policy found
HIGHGDPR requires a clear and accessible privacy policy
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
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, Cloudflare
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, 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
Unable to retrieve SSL certificate
CRITICALCould not establish secure connection to retrieve certificate information
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
DNS Records
DNSSEC Status
DNS Performance
⚡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