# BeaverCheck Audit Report — https://td.com **Date:** April 22, 2026 **URL:** https://td.com **Overall Grade:** C (73/100) **Report:** https://beavercheck.com/results/62bb3fd9-da94-4115-8782-4f224068b80d ## Top Findings 1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers 2. **[CRITICAL]** Cookie 'GDPR' is missing the Secure flag — Security > Cookie Security 3. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy 4. **[CRITICAL]** 11 link(s) with no accessible text — Accessibility > Link & Button Quality 5. **[CRITICAL]** 2 control(s) without accessible label — Accessibility > Form Accessibility --- ## Lighthouse Scores | Category | Score | |----------|-------| | Performance | 27 | | Accessibility | 97 | | Best Practices | 100 | | SEO | 85 | --- ## Security ### Security Headers (F — 30/100) *3 of 10 headers properly configured* - **[PASS]** Strict-Transport-Security is properly configured (consider adding preload) - **[WARNING]** X-Content-Type-Options header is missing — This header prevents MIME-type sniffing, which can lead to XSS attacks. Set it to 'nosniff'. - **[WARNING]** X-Frame-Options header is missing — This header prevents clickjacking by controlling who can embed your page in a frame. Set it to DENY or SAMEORIGIN. - **[WARNING]** Referrer-Policy header is missing — Controls how much referrer information is sent with requests. Set to 'strict-origin-when-cross-origin' or stricter. - **[WARNING]** Permissions-Policy header is missing — Controls which browser features (camera, microphone, geolocation) are allowed. Set it to restrict unused features. - **[CRITICAL]** Content-Security-Policy header is missing — CSP is the most important header for preventing XSS attacks. See the CSP section for detailed analysis. - **[WARNING]** Cross-Origin-Opener-Policy header is missing — COOP isolates your browsing context, preventing cross-origin side-channel attacks. Set to 'same-origin'. - **[WARNING]** Cross-Origin-Embedder-Policy header is missing — COEP prevents loading cross-origin resources without explicit permission. Required for SharedArrayBuffer and high-resolution timers. - **[PASS]** X-Powered-By header is not present - **[PASS]** Server header is present without version info ### Content Security Policy (F — 0/100) *No enforcing CSP policy found* - **[CRITICAL]** No Content-Security-Policy header found — CSP is the most effective defense against XSS attacks. Add a Content-Security-Policy header to restrict resource loading. ### TLS & Certificates (A+ — 100/100) *TLS 1.3, 7 checks passed* - **[PASS]** TLS 1.3 is used - **[PASS]** Strong cipher suite is used - **[INFO]** HTTP/2 is not negotiated — HTTP/2 provides multiplexing and header compression for better performance. - **[PASS]** Certificate is valid (expires in 206 days) - **[PASS]** Certificate chain has 3 certificates - **[PASS]** Certificate uses modern signature algorithm - **[PASS]** Certificate covers 3 domain(s) - **[PASS]** Certificate is issued by a trusted CA ### Cookie Security (B — 75/100) *1 cookies analyzed, 0 checks passed* - **[CRITICAL]** Cookie 'GDPR' is missing the Secure flag — Without the Secure flag, this cookie can be sent over unencrypted HTTP, exposing it to interception. - **[WARNING]** Cookie 'GDPR' is missing the HttpOnly flag — Without HttpOnly, this cookie can be accessed by JavaScript, making it vulnerable to XSS-based theft. - **[WARNING]** Cookie 'GDPR' has no SameSite attribute — Without an explicit SameSite attribute, browser default behavior varies. Set SameSite=Lax or Strict. --- ## Advanced Security ### Subresource Integrity (F — 20/100) *0 of 6 external resources have SRI* - **[WARNING]** External script from nexus.ensighten.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from nexus.ensighten.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from rum.hlx.page lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.cookielaw.org lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from nexus.ensighten.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.cookielaw.org lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. ### JS Library Vulnerabilities (A+ — 100/100) *No known vulnerabilities* - **[PASS]** No known JavaScript library vulnerabilities detected ### Information Leakage (A+ — 100/100) *No exposures* - **[INFO]** No security.txt found — Consider adding a security.txt at /.well-known/security.txt. - **[PASS]** No sensitive files exposed ### Email Security (A+ — 100/100) *DMARC: reject* - **[PASS]** DMARC policy is reject — strongest protection ### Permissions-Policy (D — 40/100) *No header set* - **[WARNING]** No Permissions-Policy header — Consider adding a Permissions-Policy header to restrict browser feature access from embedded content. ### CORS Configuration (B — 80/100) *No CORS headers* - **[PASS]** No CORS headers present — secure default --- ## Performance ### Page Weight Budget (B — 70/100) *1.5 MB transferred, 49 requests* - **[INFO]** Page weighs 6.8 MB (1.5 MB transferred) - **[WARNING]** JavaScript is 811 KB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts. - **[INFO]** CSS is 214 KB — consider purging unused styles — Remove unused CSS rules with tools like PurgeCSS to reduce stylesheet size. - **[PASS]** 49 HTTP requests - **[INFO]** Estimated 0.32 g CO2 per page load ### Third-Party Impact (D — 50/100) *100% third-party, 0 ms blocking* - **[WARNING]** Third-party code accounts for 100% of page weight (1.5 MiB of 1.5 MiB) - **[PASS]** Third-party blocking time is low (0 ms) ### Text Compression (A+ — 100/100) *All text resources are compressed* - **[PASS]** All text resources are compressed ### Image Optimization (C — 65/100) *10 images, 0 KB saveable* - **[WARNING]** https://www.td.com/content/dam/tdct/images/navigat... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. - **[WARNING]** https://www.td.com/content/dam/tdct/images/navigat... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. ### JS Execution Cost (F — 20/100) *5302ms total JS execution* - **[WARNING]** https://www.td.com/etc.clientlibs/tdsite/clientlib...: 2443ms CPU time - **[WARNING]** Unattributable: 799ms CPU time - **[WARNING]** https://assets.adobedtm.com/178dbd5c3653/c131ca167...: 520ms CPU time - **[WARNING]** https://www.td.com/ca/en/personal-banking: 489ms CPU time - **[WARNING]** https://cdn.cookielaw.org/scripttemplates/202401.1...: 416ms CPU time - **[WARNING]** Third-party scripts: 5302ms (100% of total) ### Font Loading (A+ — 100/100) *4 fonts (160 KB)* - **[INFO]** 4 font(s) use font-display: swap (FOUT risk but functional) ### JS Bundles (D — 40/100) *18 scripts, 490 KB unused* - **[WARNING]** https://www.td.com/etc.clientlibs/tdsite/clientlib...: 364 KB unused (80%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://assets.adobedtm.com/178dbd5c3653/c131ca167...: 72 KB unused (42%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://cdn.cookielaw.org/scripttemplates/202401.1...: 54 KB unused (52%) — Consider code splitting or tree shaking to reduce unused code. - **[INFO]** Total unused JavaScript: 490 KB ### Resource Caching (A+ — 100/100) *All resources properly cached* - **[PASS]** No caching issues found ### Critical Rendering Path (A+ — 100/100) *No render-blocking resources* - **[PASS]** No render-blocking resources detected ### Resource Hints (A+ — 100/100) *7 hints, 0 missing preconnects* - **[PASS]** Page uses 7 resource hint(s) ### Page Weight Inventory (F — 35/100) *49 resources · 1.5 MB · 490 KB savings available* - **[WARNING]** Page weight 550 KB over 1MB target - **[INFO]** ~490 KB of savings available - **[WARNING]** 48 third-party resources (100% of weight) - **[INFO]** 2 resources over 200KB ### Render-Blocking Resources (A+ — 100/100) *No render-blocking resources detected* - **[PASS]** No render-blocking resources detected in ### Third-Party Resources (A+ — 100/100) *No third-party resources detected* --- ## Content Quality ### Links (F — 40/100) *200 links checked, 160 healthy, 40 broken* - **[CRITICAL]** 160 of 200 links are healthy - **[WARNING]** Broken link: https://assets.adobedtm.com/ — Found in . Returns HTTP 404. - **[WARNING]** Broken link: https://www.googletagmanager.com/ — Found in . Returns HTTP 404. - **[CRITICAL]** Broken link: https://td.com/bin/easyweb/transfer?RequestedPage=PFS — Found in . Returns HTTP 500. - **[CRITICAL]** Broken link: https://td.com/bin/easyweb/transfer?RequestedPage=WBK — Found in . Returns HTTP 500. - **[CRITICAL]** Broken link: https://td.com/bin/easyweb/transfer?RequestedPage=OUT — Found in . Returns HTTP 500. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/borrowing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/investing/direct-investing/registere... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/investment... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/personal-i... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/investing/direct-investing/direct-in... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/investing/wealth — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/personal-investing/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/insurance/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/insurance/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/insurance/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/insurance/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/products/insurance/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/advice — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/student-a... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/advice/growing-mone... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/how-to/digital-bank... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/ways-to-b... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/ways-to-b... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/ways-to-b... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/ways-to-bank/ways-t... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/exchange/... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/advice/growing-mone... — Found in . Returns HTTP 403. - **[WARNING]** Broken link: https://td.com/content/dam/tdct/images/navigation-header-... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/get-started — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/solutions/ways-to-bank — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/about-td/ready-commitment — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/book-appointment — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/personal-banking/contact-us/feedback... — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/about-td/customer-care — Found in . Returns HTTP 403. - **[CRITICAL]** Broken link: https://td.com/ca/en/about-td/accessibility — Found in . Returns HTTP 403. ### Mixed Content (A+ — 100/100) *No mixed content detected — all resources use HTTPS.* - **[PASS]** No mixed content detected — all resources use HTTPS ### Open Graph (B — 80/100) *Open Graph tags are partially configured — some improvements recommended.* - **[CRITICAL]** og:image is not reachable — The og:image URL could not be fetched. Social platforms won't be able to display it. - **[INFO]** og:title is long (62 characters) — Titles over 60 characters may be truncated in social sharing previews. - **[INFO]** Missing og:site_name — The og:site_name tag displays the website name in social previews. - **[INFO]** Missing twitter:card — Without twitter:card, Twitter falls back to Open Graph tags. Adding it gives you more control. ### Structured Data (C — 40/100) *No structured data (JSON-LD) found.* - **[INFO]** No structured data (JSON-LD) found — Adding structured data helps search engines understand your content and can enable rich results. --- ## Infrastructure ### DNS Records (A+ — 100/100) *2 A records, 11 ms lookup* - **[PASS]** Resolves to 2 IPv4 address(es) - **[INFO]** No IPv6 (AAAA) records - **[PASS]** 6 nameserver(s) configured - **[PASS]** 2 mail exchanger(s) configured - **[INFO]** CAA records not checked — CAA record lookup requires a specialized DNS resolver. This check will be available in a future update. - **[PASS]** SPF record present in TXT - **[PASS]** DNS resolution time: 11 ms ### Redirect Chain (B — 70/100) *2 redirect(s), 47 ms total* - **[WARNING]** 2 redirects before reaching final URL — Each redirect adds latency. Try to minimize the chain to 1 hop. - **[INFO]** WWW normalization redirect ### IPv6 Readiness (C — 60/100) *No IPv6 support* - **[INFO]** No IPv6 (AAAA) records found — IPv6 support is increasingly important for global accessibility. About 40% of internet users have IPv6 connectivity. ### Crawlability (A+ — 100/100) *robots.txt present, sitemap with 3 URLs* - **[PASS]** robots.txt is present - **[PASS]** sitemap.xml is present - **[PASS]** sitemap.xml is valid XML - **[PASS]** sitemap.xml contains 3 entries - **[PASS]** Sitemap index with 3 child sitemaps - **[PASS]** robots.txt references sitemap ### URL Variants (A+ — 100/100) *www/non-www, trailing slash, HTTP→HTTPS* - **[PASS]** www/non-www redirect configured correctly (preferred: non-www) - **[PASS]** HTTP correctly 301-redirects to HTTPS ### Domain Intelligence (A+ — 100/100) *td.com — via CSC Corporate Domains, Inc., 28 years, 5 months old, hosted on Akamai* - **[PASS]** Domain registered until Apr 14, 2028 (2 years remaining) - **[INFO]** DNSSEC is not enabled — DNSSEC protects against DNS spoofing attacks. While not required, enabling DNSSEC adds an additional layer of security. Contact your DNS provider to enable it. - **[PASS]** Registrar: CSC Corporate Domains, Inc. - **[WARNING]** Registrar lock is NOT enabled — The domain can be transferred without an unlock step. Enable registrar lock (clientTransferProhibited) in your registrar's control panel to protect against unauthorized or accidental transfers. - **[PASS]** Hosting: Akamai --- ## Compliance ### WCAG Compliance (A+ — 100/100) *No testable criteria* ### Cookie Consent & Privacy (B — 80/100) *No consent signals detected* - **[WARNING]** No privacy policy link detected — A privacy policy page is recommended for transparency and may be legally required. - **[INFO]** No terms of service link detected - **[INFO]** No cookie consent banner detected - **[PASS]** 1 cookie(s) set on initial load (functional) - **[INFO]** This is an automated check, not legal advice — BeaverCheck detects technical indicators of consent management. This does not constitute a legal compliance assessment. Consult a privacy professional for GDPR/CCPA compliance. ### Language & i18n (A — 90/100) *Lang attribute present* - **[PASS]** attribute is present - **[PASS]** value is valid - **[INFO]** No Content-Language HTTP header - **[INFO]** Language signals are inconsistent — The attribute and Content-Language header should agree. ### Readability & Typography (A+ — 100/100) *Font sizes and tap targets checked* ### Viewport Configuration (A+ — 100/100) *Viewport properly configured* - **[PASS]** Viewport meta tag is present - **[PASS]** width=device-width is set - **[PASS]** User zooming is allowed ### Third-Party Trackers (C — 55/100) *4 trackers detected* - **[INFO]** 4 third-party trackers detected — Found 3 analytics, 0 advertising, 0 marketing, 1 tag manager trackers. - **[WARNING]** Trackers detected but no cookie policy found — This page loads 4 trackers but no cookie policy was detected. GDPR requires disclosure when using tracking cookies. - **[WARNING]** Trackers detected but no privacy policy found — Most data protection regulations require a privacy policy when collecting user data via trackers. ### Cookie & Tracker Inventory (A+ — 100/100) *1 cookies · 4 trackers · 0 pre-consent* - **[INFO]** 1 cookie(s) could not be classified - **[INFO]** 4 third-party tracker(s) detected on page --- ## Legal ### Legal Page Ecosystem (C — 65/100) *3 of 7 expected legal pages detected* - **[PASS]** Privacy Policy detected — Found at https://www.td.com/privacy-and-security/privacy-and-security/how-we-protect-you/online-security-guarantee/guarantee.jsp. - **[PASS]** Terms of Service detected — Found at /ca/en/about-td/customer-care/legal-notices-and-disclaimers. - **[INFO]** Cookie Policy not detected — No link matching common Cookie Policy URL patterns or link text was found. Most websites are expected to have a Cookie Policy, especially those collecting user data. - **[PASS]** Accessibility Statement detected — Found at /ca/en/about-td/accessibility. - **[INFO]** DMCA / Copyright Notice not detected — No link matching common DMCA / Copyright Notice URL patterns or link text was found. Most websites are expected to have a DMCA / Copyright Notice, especially those collecting user data. - **[INFO]** Refund / Returns Policy not detected — No link matching common Refund / Returns Policy URL patterns or link text was found. Most websites are expected to have a Refund / Returns Policy, especially those collecting user data. - **[INFO]** Acceptable Use Policy not detected — No link matching common Acceptable Use Policy URL patterns or link text was found. Most websites are expected to have a Acceptable Use Policy, especially those collecting user data. ### Copyright Notice (C — 55/100) *No copyright notice detected* - **[INFO]** No copyright notice detected — No copyright notice detected in the page content. While not legally required in most jurisdictions (copyright exists automatically), a notice is standard practice and signals site ownership. ### Regulatory Indicators *2 regulatory indicator(s) detected* - **[INFO]** This is a technical scan, not a legal assessment — BeaverCheck detects technical indicators that may suggest regulatory relevance. This is not a compliance audit and should not be relied upon for legal decisions. Consult qualified legal counsel for compliance assessments. - **[INFO]** GDPR indicators detected (strong confidence) — Indicators suggesting GDPR may be relevant: Consent management platform detected: cookielaw.org; Privacy policy page found. EU General Data Protection Regulation — governs collection and processing of personal data of EU residents. - **[INFO]** ADA indicators detected (moderate confidence) — Indicators suggesting ADA may be relevant: Accessibility statement page found. Americans with Disabilities Act / Section 508 — requires digital accessibility for people with disabilities. ### Third-Party Data Sharing *0 third-party service(s) detected* - **[INFO]** Data inventory for transparency purposes — This inventory identifies third-party services that receive data from your site visitors. Under regulations like GDPR (Article 30), maintaining records of data processing activities is commonly considered a best practice. This automated scan provides a starting point — it may not capture all data flows. - **[INFO]** No recognized third-party data-sharing services detected — This page does not appear to load external tracking, analytics, or advertising scripts. ### Compliance Badges (C — 55/100) *0 compliance badge(s) detected* - **[INFO]** No compliance badges detected — No recognized compliance certification badges or seals were found. This is common — many sites do not display compliance badges. --- ## Availability ### CDN & Delivery (B — 80/100) *Akamai* - **[PASS]** Site is served via Akamai CDN ### HTTP Caching (B — 70/100) *max-age=0* - **[PASS]** Cache-Control header is set - **[INFO]** No ETag or Last-Modified header — Conditional requests (304 Not Modified) are not possible without validators. ### Transport Security (A — 90/100) *HTTP/3, HSTS, and TLS version analysis* - **[INFO]** HTTP/3 (QUIC) not advertised — HTTP/3 eliminates head-of-line blocking. If your CDN supports it, consider enabling it. - **[PASS]** HSTS enabled (includeSubDomains) - **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT) --- ## Accessibility ### Landmark Structure (A+ — 100/100) *11 landmarks* - **[PASS]**
landmark present - **[PASS]** 6