# BeaverCheck Audit Report — https://smartasset.com **Date:** April 22, 2026 **URL:** https://smartasset.com **Overall Grade:** C (71/100) **Report:** https://beavercheck.com/results/678751b9-b818-43e5-b15d-60ba9b0cdf0f ## Top Findings 1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers 2. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy 3. **[CRITICAL]** Page weighs 14.9 MB (7.5 MB transferred) — Performance > Page Weight Budget 4. **[CRITICAL]** 1 button(s) with no accessible text — Accessibility > Link & Button Quality 5. **[CRITICAL]** 3 control(s) without accessible label — Accessibility > Form Accessibility --- ## Lighthouse Scores | Category | Score | |----------|-------| | Performance | 26 | | Accessibility | 80 | | Best Practices | 77 | | SEO | 85 | --- ## Security ### Security Headers (D — 40/100) *4 of 10 headers properly configured* - **[PASS]** Strict-Transport-Security is properly configured - **[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. - **[PASS]** Permissions-Policy is set - **[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 101 days) - **[PASS]** Certificate chain has 3 certificates - **[PASS]** Certificate uses modern signature algorithm - **[PASS]** Certificate covers 2 domain(s) - **[PASS]** Certificate is issued by a trusted CA ### Cookie Security (A+ — 100/100) *No cookies set — no cookie security risks* - **[PASS]** No cookies set — no cookie security risks --- ## Advanced Security ### Subresource Integrity (F — 20/100) *0 of 36 external resources have SRI* - **[WARNING]** External script from bat.bing.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from bat.bing.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.powerinboxedge.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.smartnews-ads.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from connect.facebook.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from connect.facebook.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from connect.facebook.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from mapixl.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from collector-26273.us.tvsquared.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from static.ads-twitter.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.google-analytics.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from bat.bing.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.mxpnl.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from securepubads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from securepubads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from ajax.googleapis.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from cdn.optimizely.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from bat.bing.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from bat.bing.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from googleads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from googleads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from googleads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from googleads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from googleads.g.doubleclick.net lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from b-code.liadm.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.googletagmanager.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from www.kbg0dstrk.com lacks integrity attribute — Without SRI, if this CDN is compromised, attackers could inject malicious code. - **[WARNING]** External script from api.ipify.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 (D — 50/100) *DMARC: none* - **[WARNING]** DMARC policy is none — monitoring only — This only monitors, it doesn't block spoofed emails. Change to p=quarantine or p=reject. ### Permissions-Policy (C — 60/100) *3 directives, 5 missing* - **[INFO]** Sec-Ch-Ua-Platform=("https://smartasset.com") - **[INFO]** Sec-Ch-Ua-Platform-Version=("https://smartasset.com") - **[INFO]** Sec-Ch-Ua-Model=("https://smartasset.com") - **[INFO]** camera not restricted — Consider adding camera=() to block camera access from embedded content. - **[INFO]** microphone not restricted — Consider adding microphone=() to block microphone access from embedded content. - **[INFO]** geolocation not restricted — Consider adding geolocation=() to block geolocation access from embedded content. - **[INFO]** payment not restricted — Consider adding payment=() to block payment access from embedded content. - **[INFO]** usb not restricted — Consider adding usb=() to block usb access from embedded content. ### CORS Configuration (B — 80/100) *No CORS headers* - **[PASS]** No CORS headers present — secure default --- ## Performance ### Page Weight Budget (F — 0/100) *7.5 MB transferred, 158 requests* - **[CRITICAL]** Page weighs 14.9 MB (7.5 MB transferred) - **[WARNING]** Images are 3.2 MB — compress or use modern formats — Convert images to WebP/AVIF and resize to display dimensions to reduce transfer size. - **[WARNING]** JavaScript is 2.7 MB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts. - **[INFO]** Fonts are 233 KB — consider subsetting or using system fonts — Subset fonts to include only used characters, or switch to system font stacks. - **[WARNING]** 158 HTTP requests — consider bundling or reducing — Each request adds latency. Bundle small files, use sprites, or eliminate unnecessary requests. - **[INFO]** Estimated 1.6 g CO2 per page load ### Third-Party Impact (A — 85/100) *39% third-party, 0 ms blocking* - **[INFO]** Third-party code accounts for 39% of page weight (2.9 MiB of 7.5 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 — 60/100) *60 images, 0 KB saveable* - **[WARNING]** https://smartasset.com/cds-images/homepage/amp-gra... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. - **[WARNING]** https://smartasset.com/cds-images/homepage/right_c... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. - **[WARNING]** https://smartasset.com/cds-images/homepage/buck-mo... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. - **[WARNING]** https://smartasset.com/cds-images/homepage/left_ch... is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS. ### JS Execution Cost (F — 20/100) *12316ms total JS execution* - **[WARNING]** https://smartasset.com/_next/static/chunks/f58c171...: 2771ms CPU time - **[WARNING]** Unattributable: 1383ms CPU time - **[WARNING]** https://www.googletagmanager.com/gtm.js?id=GTM-KLV...: 1026ms CPU time - **[WARNING]** https://cdn.optimizely.com/js/26323810062.js: 630ms CPU time - **[WARNING]** https://www.googletagmanager.com/gtag/js?id=AW-107...: 569ms CPU time - **[WARNING]** Third-party scripts: 7538ms (61% of total) ### Font Loading (A+ — 100/100) *3 fonts (233 KB)* - **[INFO]** 3 font(s) use font-display: swap (FOUT risk but functional) ### JS Bundles (F — 20/100) *56 scripts, 1.0 MB unused* - **[WARNING]** https://securepubads.g.doubleclick.net/pagead/mana...: 143 KB unused (76%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://cdn.optimizely.com/js/26323810062.js: 125 KB unused (53%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-YS1D...: 74 KB unused (42%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-58JB...: 71 KB unused (41%) — Consider code splitting or tree shaking to reduce unused code. - **[WARNING]** https://www.googletagmanager.com/gtag/js?id=G-D8N6...: 70 KB unused (39%) — Consider code splitting or tree shaking to reduce unused code. - **[INFO]** Total unused JavaScript: 1.0 MB ### 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) *39 hints, 0 missing preconnects* - **[PASS]** Page uses 39 resource hint(s) ### Page Weight Inventory (F — 30/100) *158 resources · 7.5 MB · 1.0 MB savings available* - **[WARNING]** Page weight 6.5 MB over 1MB target - **[INFO]** ~1.0 MB of savings available - **[INFO]** 94 third-party resources (39% of weight) - **[INFO]** 6 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 (A — 95/100) *200 links checked, 199 healthy, 1 broken* - **[WARNING]** 199 of 200 links are healthy - **[CRITICAL]** Broken link: https://smartasset.com/mortgage/5-1-arm-mortgage-rates — Found in . Get "https://smartasset.com/mortgage/5-1-arm-mortgage-rates": context deadline exceeded ### Mixed Content (A+ — 100/100) *No mixed content detected — all resources use HTTPS.* - **[PASS]** No mixed content detected — all resources use HTTPS ### Open Graph (F — 0/100) *No Open Graph tags found — social sharing previews will be generic.* - **[WARNING]** No Open Graph meta tags found — Without og:title, og:description, and og:image, social media platforms will generate a generic preview when your page is shared. ### Structured Data (A — 90/100) *1 JSON-LD block(s) found — structured data is well configured.* - **[WARNING]** Missing required property "name" for Organization — The "name" property is required for the Organization schema type. - **[INFO]** Missing recommended property "url" for Organization — Adding "url" can improve how search engines display your content. - **[INFO]** Missing recommended property "logo" for Organization — Adding "logo" can improve how search engines display your content. - **[INFO]** Missing recommended property "sameAs" for Organization — Adding "sameAs" can improve how search engines display your content. --- ## Infrastructure ### DNS Records (A+ — 100/100) *4 A records, 132 ms lookup* - **[PASS]** Resolves to 4 IPv4 address(es) - **[INFO]** No IPv6 (AAAA) records - **[PASS]** 4 nameserver(s) configured - **[PASS]** 5 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: 132 ms ### Redirect Chain (A+ — 100/100) *No redirects — direct access* - **[PASS]** No redirects — direct access ### 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 13 URLs* - **[PASS]** robots.txt is present - **[PASS]** sitemap.xml is present - **[PASS]** sitemap.xml is valid XML - **[PASS]** sitemap.xml contains 13 entries - **[PASS]** Sitemap index with 13 child sitemaps - **[PASS]** robots.txt references sitemap ### URL Variants (B — 75/100) *www/non-www, trailing slash, HTTP→HTTPS* - **[CRITICAL]** Both www and non-www versions serve content - **[PASS]** HTTP correctly 301-redirects to HTTPS ### Domain Intelligence (A+ — 100/100) *smartasset.com — via GoDaddy.com, LLC, 22 years, 7 months old, hosted on AWS* - **[PASS]** Domain registered until Dec 29, 2026 (8 months 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: GoDaddy.com, LLC - **[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: AWS --- ## 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 - **[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 (C — 60/100) *Viewport prevents zooming* - **[PASS]** Viewport meta tag is present - **[PASS]** width=device-width is set - **[CRITICAL]** Viewport prevents user zooming — user-scalable=no or maximum-scale < 2 prevents users from zooming. This is a WCAG 1.4.4 (Level AA) failure and an accessibility barrier for users with low vision. ### Third-Party Trackers (D — 40/100) *16 trackers detected* - **[INFO]** 16 third-party trackers detected — Found 8 analytics, 7 advertising, 0 marketing, 1 tag manager trackers. - **[WARNING]** 7 advertising/retargeting trackers detected — Advertising trackers collect user data for ad targeting. Under GDPR, these typically require explicit consent. - **[WARNING]** Trackers detected but no cookie policy found — This page loads 16 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) *0 cookies · 16 trackers · 0 pre-consent* - **[INFO]** 16 third-party tracker(s) detected on page --- ## Legal ### Legal Page Ecosystem (C — 55/100) *2 of 7 expected legal pages detected* - **[PASS]** Privacy Policy detected — Found at /privacy. - **[PASS]** Terms of Service detected — Found at /terms. - **[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. - **[INFO]** Accessibility Statement not detected — No link matching common Accessibility Statement URL patterns or link text was found. Most websites are expected to have a Accessibility Statement, especially those collecting user data. - **[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 (A+ — 100/100) *© 2026 SmartAsset* - **[PASS]** Copyright notice is up to date — Copyright notice is up to date: © 2026 SmartAsset - **[PASS]** Copyright holder: SmartAsset ### Regulatory Indicators *1 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 (moderate confidence) — Indicators suggesting GDPR may be relevant: Privacy policy page found. EU General Data Protection Regulation — governs collection and processing of personal data of EU residents. ### Third-Party Data Sharing *4 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]** 4 third-party services across 3 categories — 4 third-party services detected across 3 categories: Analytics (2), Tag Management (1), Advertising (1). Each of these services receives some user data from your site visitors. - **[INFO]** Google Analytics (Analytics) — Detected via script URL. Typically collects: Page views, User behavior, Demographics, Device info, IP address. Privacy policy: https://policies.google.com/privacy. Data Processing Agreement available. - **[INFO]** Google Tag Manager (Tag Management) — Detected via script URL. Typically collects: Orchestrates other tracking scripts, Page views. Privacy policy: https://policies.google.com/privacy. Data Processing Agreement available. - **[INFO]** Facebook Pixel (Advertising) — Detected via script URL. Typically collects: Page views, Conversions, User behavior, Ad targeting. Privacy policy: https://www.facebook.com/privacy/policy. Data Processing Agreement available. - **[INFO]** Mixpanel (Analytics) — Detected via script URL. Typically collects: User events, Behavior analytics, Device info. Privacy policy: https://mixpanel.com/legal/privacy-policy/. Data Processing Agreement available. ### 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 (A+ — 100/100) *AWS CloudFront (Hit from cloudfront)* - **[PASS]** Site is served via AWS CloudFront CDN (edge: MIA50-P3) - **[PASS]** CDN cache status: Hit from cloudfront ### HTTP Caching (D — 40/100) *no-store (uncacheable)* - **[INFO]** Cache-Control: no-store prevents all caching — Intentional for dynamic content, but increases server load for every page view. - **[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, preload) - **[PASS]** HSTS preload enabled - **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT) --- ## Accessibility ### Landmark Structure (B — 80/100) *8 landmarks* - **[PASS]**
landmark present - **[PASS]** 1