Is smsmoney.ee Safe? Security Analysis for Placet Group OÜ
https://smsmoney.eeCheck if smsmoney.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
Smsraha.ee is a well-established Estonian financial services website operated by Placet Group OÜ, offering a variety of lending products including credit lines, credit cards, consumer loans, and business loans. The company has been active since 2009 and positions itself as a reliable and modern partner for both private and business clients in Estonia. The website is professionally designed with clear navigation and multi-language support, providing detailed product information and customer testimonials to build trust. Technically, the site uses modern JavaScript libraries and Google analytics tools, with good mobile optimization and SEO practices. Security posture is strong with HTTPS enforced and standard security headers present, although no dedicated security or incident response policies are published. Privacy compliance is well addressed with a comprehensive cookie consent mechanism and GDPR-aligned privacy policy. Overall, the site demonstrates a mature digital presence with a solid business credibility and trustworthy domain registration.
Detected Technologies
8 urgent findings need attention
8 high
Keep smsmoney.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
5 findings
65/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
The company targets Estonian consumers and businesses seeking flexible credit solutions, leveraging a diversified product portfolio including credit accounts, credit cards with cashback, consumer loans, and refinancing options. The business model focuses on providing accessible credit with competitive terms and digital convenience. Partnerships with financial service providers like Wallester and deposit services like erahoius.ee enhance their offering. The presence of customer reviews and detailed loan calculators indicates a customer-centric approach. The domain age and registrant data support the legitimacy and stability of the business. The company appears to be medium-sized with a focus on the Estonian market and a strong online presence.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website enforces HTTPS with strong SSL configuration and includes common security headers such as HSTS, X-Frame-Options, and Content-Security-Policy, indicating good baseline security hygiene. Forms use POST methods and no sensitive data is exposed in the HTML. Cookie consent is implemented with granular user controls, supporting GDPR compliance. However, the absence of a published security policy or incident response contact reduces transparency. No known vulnerabilities or outdated libraries were detected in the provided content. Overall, the security posture is solid but could be improved by publishing explicit security and incident response information.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy page outlining security practices and controls.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Placet Group OÜ
Smsraha.ee tegutseb Eesti laenuturul alates 2009. aastast. Pikaaegne kogemus ning pidev teenuste arendamine teevad meist usaldusväärse ning kaasaegseid lahendusi pakkuva partneri nii era- kui ärikliendile.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- Cookie consent with granular controls
- No exposed sensitive data in HTML
- Use of secure forms with POST method
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
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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"
Weak DKIM Key
HIGHDKIM selector 'mail' uses 576-bit key
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
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 60 days
Mixed Content Detected
MEDIUM1 resources loaded over insecure HTTP
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 smsmoney.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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PDF Report & Export
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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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