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Is vivus.lv a Scam? Security Check Results - AS 4finance

vivus.lv Security Report Summary

vivus.lv received a security score of 67 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers AS 4finance's website security posture. AS 4finance operates in the Finance industry in Latvia.

Vivus.lv is an established Latvian online lending platform operated by AS 4finance, offering quick credit services up to EUR 10,000 with flexible terms up to 60 months. The website targets Latvian consumers seeking fast and accessible online loans. The business is positioned as a significant player in the Latvian financial services market with a clear focus on digital lending solutions. The site demonstrates a good level of digital maturity, employing modern technologies such as Cloudflare for security, AWS for hosting, and Google Tag Manager for analytics and marketing. Cookie consent management is comprehensive and GDPR compliant, reflecting a strong commitment to privacy and regulatory adherence. Security posture is solid with HTTPS enforced and Cloudflare protection, though explicit security headers and incident response information are absent, representing areas for improvement. Overall, the website is professional, trustworthy, and well-optimized for mobile and accessibility, supporting a positive user experience and business credibility.

The security scan identified 28 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Google Tag Manager, Cloudflare, Amazon Web Services, Cookie Information consent management, PHP.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is vivus.lv Safe? Security Analysis for AS 4finance

https://vivus.lv

Check if vivus.lv is a scam or legitimate. Free security scan and reviews.

FinanceLatvialarge
Google Tag ManagerCloudflareAmazon Web ServicesCookie Information consent managementPHP
Analyzed 6/26/2025Completed 10:51:28 PM9mo ago
67
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domainvivus.lv
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

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

AI Summary

Vivus.lv is an established Latvian online lending platform operated by AS 4finance, offering quick credit services up to EUR 10,000 with flexible terms up to 60 months. The website targets Latvian consumers seeking fast and accessible online loans. The business is positioned as a significant player in the Latvian financial services market with a clear focus on digital lending solutions. The site demonstrates a good level of digital maturity, employing modern technologies such as Cloudflare for security, AWS for hosting, and Google Tag Manager for analytics and marketing. Cookie consent management is comprehensive and GDPR compliant, reflecting a strong commitment to privacy and regulatory adherence. Security posture is solid with HTTPS enforced and Cloudflare protection, though explicit security headers and incident response information are absent, representing areas for improvement. Overall, the website is professional, trustworthy, and well-optimized for mobile and accessibility, supporting a positive user experience and business credibility.

Detected Technologies

Google Tag ManagerCloudflareAmazon Web ServicesCookie Information consent managementPHP

8 urgent findings need attention

8 high

Continuous monitoring

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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

8 findings

15/100

GDPR Compliance

1 finding

88/100

NIS2 Compliance

7 findings

22/100

Email Security

2 findings

87/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

AS 4finance operates Vivus.lv as part of its portfolio of financial services brands, targeting the Latvian market with quick online credit offerings. The business model centers on digital lending with streamlined application processes and rapid credit decisions. The company leverages partnerships and sister brands such as smscredit.lv and ondo.lv to expand market reach and service offerings. Revenue streams are primarily from interest and fees on loans. The company maintains a strong online presence with integrated marketing and analytics tools, supporting data-driven growth strategies. The partnership ecosystem includes major technology and advertising providers, enhancing operational efficiency and customer engagement. Strategic observations highlight the importance of maintaining regulatory compliance and enhancing security transparency to sustain market trust and competitive advantage.

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a mature security posture with enforced HTTPS and Cloudflare protection mitigating common web threats. The presence of a detailed cookie consent mechanism aligns with GDPR requirements, enhancing privacy compliance. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options suggests potential gaps in defense-in-depth strategies. No visible incident response or vulnerability disclosure policies limit transparency and readiness communication. No critical vulnerabilities or exposed sensitive data were detected in the analysis. The security culture appears focused on compliance and user privacy, but could benefit from enhanced documentation and proactive security communication.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and publish explicit security headers including CSP, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

AS 4finance

Description:

Ātrais kredīts no Vivus.lv izsniedz dažu minūšu laikā. Ātrie kredīti līdz EUR 10000 ar termiņu līdz 60 mēnēšiem! Ātrie kredīti Internetā ir pieejami ikvienam.

Key Services:
Quick online loansCredit up to EUR 10,000Loan terms up to 60 months
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
Google Tag ManagerCloudflareAmazon Web ServicesCookie Information consent managementPHP
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • Cookie consent banner with detailed cookie info
  • Use of Cloudflare for DDoS and security protection

Analytics & Tracking

Services:
Google Analytics (via GTM)Microsoft (cookies)Cloudflare
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
AdformDoubleClick
Tracking Pixels:
Google Analytics (implied by GTM)Adform
Marketing Tools:
Adform
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website uses HTTPS with good SSL configuration

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

15/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

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

88/100
Score

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

22/100
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

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

87/100
Score

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 ip4:159.148.202.8 include:spf.4finance.com include:spf.protection.outlook.com include:spf.sendinblue.com mx -all
DNS Lookups:4/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:mail(1296-bit rsa)
DMARC Details
Policy:quarantine
Aggregate Reports:dmarc@4finance.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 75 days

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

70/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:99.83.190.102, 75.2.70.75
Name Servers:
ns-1235.awsdns-26.org
ns-1662.awsdns-15.co.uk
ns-252.awsdns-31.com
ns-730.awsdns-27.net
MX Records:
10: vivus-lv.mail.protection.outlook.com
SOA:Serial: 1, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:58ms

SPF Analysis

SPF Record:
v=spf1 ip4:159.148.202.8 include:spf.4finance.com include:spf.protection.outlook.com include:spf.sendinblue.com mx -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

How does vivus.lv compare?

See how vivus.lv stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using PHP backend technology, hosted on Amazon Web Services with Cloudflare providing CDN and security services. Google Tag Manager is extensively used for analytics and marketing integrations. The site employs a comprehensive cookie consent management system from Cookie Information, ensuring GDPR compliance. Performance is moderate with good mobile optimization and accessibility features. The technical implementation includes modern meta tags and structured data (JSON-LD) for SEO and social media integration. No CMS was explicitly detected, suggesting a custom or proprietary platform. Opportunities exist to improve technical security configurations and enhance performance monitoring for continuous improvement.
Professional PDF & Marketing Data

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PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainvivus.lv
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

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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