# BeaverCheck Audit Report — https://skfinsol.com.au

**Date:** November 2, 2026  
**URL:** https://skfinsol.com.au  
**Overall Grade:** A (91/100)  
**Report:** https://beavercheck.com/results/86f4f554-bf71-40d7-814d-9d1a92b83564

## Top Findings

1. **[WARNING]** Cross-Origin-Embedder-Policy header is missing — Security > Security Headers
2. **[WARNING]** Cross-Origin-Opener-Policy header is missing — Security > Security Headers
3. **[WARNING]** DMARC policy is none — monitoring only — Security > Email Security
4. **[WARNING]** 4 link(s) open in new tab without warning — Accessibility > Link & Button Quality
5. **[WARNING]** No favicon.ico at site root — Accessibility > Favicon & Branding

---

## Lighthouse Scores

| Category | Score |
|----------|-------|
| Performance | 98 |
| Accessibility | 95 |
| Best Practices | 100 |
| SEO | 100 |

---

## Security

### Security Headers (A — 85/100)

*8 of 10 headers properly configured*

- **[PASS]** HSTS is enabled
- **[PASS]** X-Content-Type-Options is properly configured
- **[PASS]** X-Frame-Options is properly configured
- **[PASS]** Referrer-Policy is properly configured
- **[PASS]** Permissions-Policy is set
- **[PASS]** Content-Security-Policy is present
- **[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
- **[INFO]** Domain is not in the Chrome HSTS preload list (status: unknown) — Submit your domain to hstspreload.org to close the trust-on-first-use gap. Requires a preload-ready HSTS header (max-age=31536000+, includeSubDomains, preload).

### Content Security Policy (A+ — 100/100)

*9 of 10 CSP checks passed*

- **[INFO]** Raw CSP policy
- **[PASS]** default-src directive is set
- **[PASS]** No 'unsafe-inline' in script source
- **[PASS]** No 'unsafe-eval' in script source
- **[PASS]** No wildcard in script source
- **[PASS]** object-src is set to 'none'
- **[PASS]** base-uri is properly restricted
- **[PASS]** frame-ancestors directive is set
- **[PASS]** form-action directive is set
- **[PASS]** upgrade-insecure-requests is enabled

### TLS & Certificates (A+ — 100/100)

*TLS 1.3, 8 checks passed*

- **[PASS]** TLS 1.3 is used
- **[PASS]** Strong cipher suite is used
- **[PASS]** HTTP/2 is negotiated
- **[INFO]** OCSP stapling not enabled — Without stapling, the browser performs a separate OCSP roundtrip on first connection -- adding latency and leaking the visited host to the CA. Enable OCSP stapling on your TLS server.
- **[PASS]** Certificate is valid (expires in 89 days)
- **[PASS]** Certificate chain has 3 certificates
- **[PASS]** Certificate uses modern signature algorithm
- **[PASS]** Certificate covers 1 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

### Cookie Hygiene (A+ — 100/100)

*No cookies set -- cookie-hygiene check is N/A*

- **[PASS]** No cookies set

### WAF / Bot Protection (A — 90/100)

*Cloudflare*

- **[PASS]** Cloudflare detected — Detected via: cf-ray: a54703dcaaeb5d26-CDG

### security.txt (C — 60/100)

*No security.txt file found*

- **[INFO]** No security.txt file found — security.txt (RFC 9116) provides a standardized way for security researchers to report vulnerabilities. Create one at /.well-known/security.txt with at least a Contact field.

### Cross-Origin Tab Safety (A+ — 100/100)

*All 2 new-tab link(s) carry rel=noopener*

- **[PASS]** All 2 new-tab link(s) carry rel=noopener

### CSP Inline-Style Readiness (B — 90/100)

*6 inline style attribute(s) detected*

- **[INFO]** 6 inline style attribute(s) detected — Each `style=""` attribute forces `style-src 'unsafe-inline'` in any Content-Security-Policy, which negates most of CSP's XSS-mitigation value. 6 inline style(s) is low. Affected element types include: section, a, p. Move styles to a stylesheet; use CSS custom properties for runtime-dynamic values; or adopt a nonce/hash CSP policy. Most teams take the stylesheet path because it's also a maintainability win.

### Trusted Types (XSS Sink Hardening) (B — 95/100)

*Trusted Types not enabled*

- **[INFO]** Trusted Types not enabled — Trusted Types (CSP3) is a Chrome 83+ defense that requires DOM-XSS sinks (innerHTML, document.write, eval, ...) to receive a typed-and-sanitized value rather than a raw string. Adding `Content-Security-Policy: require-trusted-types-for 'script'; trusted-types default` neutralizes most DOM-XSS even when a payload reaches a sink. Adoption is currently ~0.1% of pages so this is informational; a roll-out usually starts in report-only mode.

### Bot Challenge Detection (A+ — 100/100)

*Scan reached real page content (no bot-protection interstitial)*

- **[PASS]** No bot-protection interstitial detected -- the rest of the report reflects the real page

### Soft-404 Detection (A+ — 100/100)

*No soft-404 patterns detected in page title or headings*

- **[PASS]** No soft-404 patterns detected in page title or headings

### Empty Page Detection (A+ — 100/100)

*Page has substantive body text and no placeholder / template-leak signals*

- **[PASS]** Page has substantive body text and no placeholder / template-leak signals

### Geo-Restriction Detection (A+ — 100/100)

*No geo-restriction signals detected -- scan reached the page from an allowed region*

- **[PASS]** No geo-restriction detected

### Maintenance Mode Detection (A+ — 100/100)

*No maintenance-mode signals detected -- scan reached a normal page*

- **[PASS]** No maintenance-mode signals detected

### Subresource Integrity Adoption (A+ — 100/100)

*Page has no third-party scripts or stylesheets -- SRI not applicable*

- **[PASS]** No third-party scripts or stylesheets to protect with SRI

### CORS Depth (A — 90/100)

*1 CORS depth signal(s) detected*

- **[INFO]** CORS allows any origin (`Access-Control-Allow-Origin: *`) — Any website can fetch this URL via JavaScript and read the response body. Acceptable for genuinely public APIs (e.g. CDN-served static assets). Risky if the URL returns user-specific or session-derived data, since other origins can scrape it via the user's browser without needing credentials. Narrow Allow-Origin to a specific origin allow-list when the response is sensitive.

### Permissions-Policy Granularity (B — 70/100)

*50% high-risk feature coverage (5/10)*

- **[INFO]** Permissions-Policy covers 5/10 high-risk features (50%) — The Permissions-Policy header explicitly declares policies for 5/10 high-risk features.

Covered: camera, microphone, geolocation, payment, usb

Not declared (default-allow): serial, midi, accelerometer, gyroscope, magnetometer

The non-declared features fall back to their spec-default policy (usually `self`), which means an XSS-injected or compromised iframe could request them. For features the page genuinely doesn't use, declare `feature=()` to fully close them.

### Referrer-Policy Strictness (A+ — 100/100)

*Referrer-Policy is `strict-origin-when-cross-origin` (modern default -- full URL same-origin, origin-only cross-origin)*

- **[PASS]** Referrer-Policy: `strict-origin-when-cross-origin` -- modern default -- full URL same-origin, origin-only cross-origin — The modern browser default (Chrome 85+, Firefox 87+, Safari 15+). Full URL Referer on same-origin; origin only on cross-origin; no Referer on HTTPS-to-HTTP downgrade. Privacy-safe and breaks no analytics. The recommended explicit value.

### Source Map Exposure (A+ — 100/100)

*No source maps accessible (probed 1 candidate URL(s))*

- **[PASS]** No source maps accessible across 1 probed candidate(s)

### HTML Version Disclosure (A+ — 100/100)

*No software-version disclosures in HTML*

- **[PASS]** No software-version disclosures in HTML

### Open Redirect Surface (A+ — 100/100)

*No redirect-shaped query parameters in DOM links*

- **[PASS]** No redirect-shaped query parameters in DOM links

### Auth Security (A+ — 100/100)

*Page is not a login form -- auth-security checks are N/A*

- **[PASS]** Page does not appear to be a login form

### Subdomain Inventory Exposure (A+ — 100/100)

*No risky subdomain names in certificate SANs*

- **[PASS]** No risky subdomain names in certificate SANs

---

## Advanced Security

### Subresource Integrity (A+ — 100/100)

*No external resources*

- **[PASS]** No external resources to protect

### 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 (C — 60/100)

*DMARC: none, SPF: -all, DKIM*

- **[WARNING]** DMARC policy is none — monitoring only — This only monitors, it doesn't block spoofed emails. Change to p=quarantine or p=reject after monitoring DMARC reports.
- **[PASS]** SPF ends in -all (hard fail) — strongest setting
- **[PASS]** DKIM configured (selectors: google)
- **[INFO]** MTA-STS not configured — MTA-STS forces inbound mail to use TLS, preventing downgrade attacks. Requires both a TXT record at _mta-sts.<domain> and a policy file at https://mta-sts.<domain>/.well-known/mta-sts.txt.
- **[INFO]** TLS-RPT not configured — TLS-RPT (RFC 8460) lets MTAs report TLS-handshake failures, so you can detect and fix MTA-STS misconfigurations. Add a TXT record at _smtp._tls.<domain>.
- **[INFO]** BIMI not configured — BIMI (Brand Indicators for Message Identification) lets supporting clients (Gmail, Apple Mail, Yahoo) display your verified logo next to your messages. Optional but raises trust signals. Requires DMARC at p=quarantine or p=reject to be honored.

### API Surface (A+ — 100/100)

*No API specs or GraphQL introspection found (probed 11 candidate path(s))*

- **[PASS]** No API specs or GraphQL introspection found (probed 11 path(s))

### Permissions-Policy (A — 90/100)

*6 directives, 0 missing*

- **[PASS]** camera=() — blocked for all origins
- **[PASS]** microphone=() — blocked for all origins
- **[PASS]** geolocation=() — blocked for all origins
- **[PASS]** payment=() — blocked for all origins
- **[PASS]** usb=() — blocked for all origins
- **[PASS]** interest-cohort=() — blocked for all origins

### CORS Configuration (C — 60/100)

*Origin: **

- **[INFO]** Access-Control-Allow-Origin: * — unrestricted — Any website can read this resource's response. Appropriate for public APIs but not for user-specific content.
- **[INFO]** Origin reflection not testable with a single request — Some servers reflect the request Origin header. This requires manual testing with a crafted Origin header.

---

## Performance

### Page Weight Budget (A+ — 100/100)

*109 KB transferred, 10 requests*

- **[PASS]** Page weighs 226 KB (109 KB transferred)
- **[PASS]** 10 HTTP requests
- **[INFO]** Estimated 0.02 g CO2 per page load

### Third-Party Impact (A+ — 100/100)

*No third-party resources*

- **[PASS]** No third-party resources detected

### Text Compression (A+ — 100/100)

*All text resources are compressed*

- **[PASS]** All text resources are compressed

### Image Optimization (A — 90/100)

*2 images, 0 KB saveable*

- **[PASS]** All images are well-optimized

### JS Execution Cost (A+ — 100/100)

*431ms total JS execution*

- **[INFO]** Unattributable: 153ms CPU time
- **[INFO]** https://skfinsol.com.au/site.v10.js: 141ms CPU time
- **[INFO]** https://skfinsol.com.au/: 138ms CPU time

### Font Loading (A+ — 100/100)

*2 fonts (58 KB)*

- **[INFO]** 2 font(s) use font-display: swap (FOUT risk but functional)

### JS Bundles (A+ — 100/100)

*2 scripts, 0 KB unused*


### 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)

*1 hints, 0 missing preconnects*

- **[PASS]** Page uses 1 resource hint(s)

### HTTP/3 (QUIC) (A+ — 100/100)

*HTTP/3 advertised via Alt-Svc*

- **[PASS]** HTTP/3 (QUIC) is supported — First-load mobile users on cellular networks see meaningful latency improvements with HTTP/3. The QUIC transport collapses TLS + TCP handshakes into one and recovers faster from packet loss.

### Document Compression (A+ — 100/100)

*Document response uses brotli*

- **[PASS]** Main HTML response uses brotli (Content-Encoding: br) — Brotli is the best text-compression algorithm for general use, ~20% smaller than gzip on average (40% on smaller files). Modern browsers all support it.

### Asset Compression

*No text asset hosts to measure*

- **[INFO]** No third-party or subdomain host served enough text assets to measure — Asset compression is measured per host, from one HEAD request against a sampled resource. Pages that serve all their JS and CSS from the document's own origin are covered by the document compression check instead.

### LCP Image Preload (A+ — 100/100)

*LCP preload audit not available*

- **[PASS]** LCP image preload audit not available for this scan

### Main HTML Cache-Control (A+ — 100/100)

*Main HTML max-age=0 (≤ 5min) is appropriate*

- **[PASS]** Main HTML max-age=0 (≤ 5min) is appropriate

### Server-Timing Observability (B — 85/100)

*No Server-Timing header found*

- **[INFO]** No Server-Timing header found — Server-Timing exposes backend timing breakdowns to browser DevTools (e.g., `db: 45ms; render: 120ms; cache: 2ms`). Useful for diagnosing slow pages without backend log access. Most modern frameworks (Next.js, Cloudflare Workers, Fastly) emit it automatically; absence on a managed platform usually means telemetry headers are stripped at the edge.

### Server Response Intelligence (A+ — 95/100)

*2 server-response signal(s) detected*

- **[PASS]** `Vary` header declared: accept-encoding — The page declares a `Vary` header, telling downstream caches which request headers the response varies on. Critical for content-negotiated responses (compression, language, cookies, device class).
- **[INFO]** No `ETag` or `Last-Modified` -- conditional GET not supported — Without either header, browsers can't issue conditional GETs and refresh always re-downloads the full response body even when nothing changed. Add `ETag: "<hash>"` (or `Last-Modified: <date>`) on cacheable responses; the server returns 304 Not Modified when the client's cached copy is still valid, saving bandwidth.

### Page Weight Inventory (A+ — 100/100)

*10 resources · 109 KB · 0 KB savings available*

- **[PASS]** Within 1MB page-weight target

### Render-Blocking Resources (A+ — 100/100)

*No render-blocking resources detected*

- **[PASS]** No render-blocking resources detected in <head>

### Third-Party Resources (A+ — 100/100)

*No third-party resources detected*


### JavaScript Blocking (A+ — 100/100)

*No render-blocking JS or document.write usage detected*

- **[PASS]** No JavaScript blocking issues detected

### CSS Performance Depth (A+ — 100/100)

*No CSS performance depth issues detected*

- **[PASS]** No CSS performance depth issues detected

---

## Content Quality

### Links (A+ — 100/100)

*29 links checked, 29 healthy, 0 broken*

- **[PASS]** 29 of 29 links are healthy

### Mixed Content (A+ — 100/100)

*No mixed content detected — all resources use HTTPS.*

- **[PASS]** No mixed content detected — all resources use HTTPS

### Open Graph (A+ — 100/100)

*Open Graph tags are well configured for social sharing.*


### Open Graph / Twitter Card Depth (A+ — 100/100)

*OG image dimensions and Twitter card configuration look healthy*

- **[PASS]** OG/Twitter Card depth is clean -- dimensions, card type, and inheritance all valid

### 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.

### Rich Results Eligibility (C — 75/100)

*No JSON-LD found -- no rich-result eligibility*

- **[INFO]** No JSON-LD structured data on the page — No `<script type="application/ld+json">` blocks found. Without structured data, search engines fall back to inferring page meaning from raw HTML -- which works but doesn't unlock SERP features (rich snippets, knowledge panel, FAQ accordion, breadcrumb trail). Adding even basic JSON-LD (Organization for the site identity, BreadcrumbList for navigation context) is a low-effort SEO win.

### Image Optimization (A — 95/100)

*1 issues found across 3 images*

- **[INFO]** 2 below-fold images missing loading="lazy" — Lazy loading defers below-fold images, reducing initial page weight.

### Autoplay Media (A+ — 100/100)

*No autoplay media on the page*

- **[PASS]** No autoplay media on the page

---

## Infrastructure

### DNS Records (A+ — 100/100)

*2 A records, 31 ms lookup*

- **[PASS]** Resolves to 2 IPv4 address(es)
- **[PASS]** Has 2 IPv6 (AAAA) record(s)
- **[PASS]** 2 nameserver(s) configured
- **[PASS]** 5 mail exchanger(s) configured
- **[PASS]** SPF record present in TXT
- **[PASS]** DNS resolution time: 31 ms

### Subdomain Takeover (A+ — 100/100)

*No subdomain takeover risk detected*

- **[PASS]** No CNAME record present

### DNSSEC (B — 80/100)

*Unsigned (DNSSEC not deployed)*

- **[INFO]** DNSSEC is not deployed — The zone is not DNSSEC-signed. Users on validating resolvers (Cloudflare 1.1.1.1, Quad9 9.9.9.9, growing default in mobile resolvers) get no protection against DNS spoofing for this domain. Most registrars now offer DNSSEC at a single click; consider enabling it for sites where authenticity matters (banking, healthcare, government).

### CAA Records (B — 80/100)

*No CAA records (any CA may issue certificates)*

- **[INFO]** No CAA records published — Without CAA records, any publicly-trusted CA can issue certificates for this domain. Adding a CAA record (`yourdomain. IN CAA 0 issue "letsencrypt.org"`) restricts issuance to CAs you authorize. Required by CAB Forum baseline since 2017; the default of 'any CA' is widely supported but is the broader attack surface for issuance fraud.

### Reverse DNS (C — 60/100)

*0/4 IPs match cert SAN*

- **[INFO]** PTR lookup failed for 188.114.96.2: lookup 188.114.96.2: no such host — No reverse DNS record set for this IP. Common on bare cloud-VM IPs without provider-side PTR; not a security issue.
- **[INFO]** PTR lookup failed for 188.114.97.2: lookup 188.114.97.2: no such host — No reverse DNS record set for this IP. Common on bare cloud-VM IPs without provider-side PTR; not a security issue.
- **[INFO]** PTR lookup failed for 2a06:98c1:3121::2: lookup 2a06:98c1:3121::2: no such host — No reverse DNS record set for this IP. Common on bare cloud-VM IPs without provider-side PTR; not a security issue.
- **[INFO]** PTR lookup failed for 2a06:98c1:3120::2: lookup 2a06:98c1:3120::2: no such host — No reverse DNS record set for this IP. Common on bare cloud-VM IPs without provider-side PTR; not a security issue.

### Multi-Resolver DNS Speed (A+ — 100/100)

*Mean 30ms across 3 resolvers (spread 16ms)*

- **[PASS]** Cloudflare: 24ms
- **[PASS]** Google: 27ms
- **[PASS]** Quad9: 40ms

### Redirect Chain (A+ — 100/100)

*No redirects — direct access*

- **[PASS]** No redirects — direct access

### IPv6 Readiness (A+ — 100/100)

*IPv6 reachable (17 ms)*

- **[PASS]** IPv6 is configured and reachable at 2a06:98c1:3121::2, 2a06:98c1:3120::2

### Crawlability (A+ — 100/100)

*robots.txt present, sitemap with 40 URLs*

- **[PASS]** robots.txt is present
- **[PASS]** sitemap.xml is present
- **[PASS]** sitemap.xml is valid XML
- **[PASS]** sitemap.xml contains 40 entries
- **[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 redirects to HTTPS permanently

### Domain Intelligence (A+ — 100/100)

*skfinsol.com.au — via GoDaddy.com LLC trading as GoDaddy.com*

- **[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 trading as GoDaddy.com
- **[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.

---

## Compliance

### WCAG Compliance (A+ — 100/100)

*No testable criteria*


### Cookie Consent & Privacy (A+ — 95/100)

*privacy policy found*

- **[PASS]** Privacy policy link found
- **[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.

### Consent UX Depth (A+ — 100/100)

*No consent-UX depth issues detected*

- **[PASS]** No consent-UX depth issues detected

### Tracker Inventory (A+ — 100/100)

*No known trackers detected on this page*

- **[PASS]** No known trackers detected on this page

### Language & i18n (A — 90/100)

*Lang attribute present*

- **[PASS]** <html lang> attribute is present
- **[PASS]** <html lang> value is valid
- **[INFO]** No Content-Language HTTP header
- **[INFO]** Language signals are inconsistent — The <html lang> attribute and Content-Language header should agree.

### Hreflang Configuration (A+ — 100/100)

*No hreflang tags on this page*

- **[PASS]** No hreflang tags found (single-language site)

### Internationalization Extras (A+ — 100/100)

*1 i18n signal(s) detected*

- **[PASS]** Mixed-language content: 2 subtree language(s) declared (hi, pa) — The page has elements with `lang="X"` attributes that differ from the root `<html lang>`. Per WCAG 3.1.2 (Level AA), this is the correct way to mark language-of-parts: a screen reader switches pronunciation when entering a `lang="fr"` block on an English page. The catalog is informational -- presence of subtree lang attributes is a positive a11y signal.

### 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

### Accessibility Statement (B — 70/100)

*No accessibility statement detected*

- **[WARNING]** No accessibility statement detected — Sites are increasingly expected to publish an accessibility statement. Required by EU Web Accessibility Directive 2016/2102 for public-sector bodies; recommended best practice elsewhere. Common URLs: /accessibility, /accessibility-statement, /a11y. Detection is by link URL and anchor text, in a limited set of languages, so this is an unconfirmed absence.

### GDPR Article 13 Disclosures (F — 12/100)

*1 / 8 Art. 13 categories matched in homepage body*

- **[WARNING]** GDPR Article 13 disclosure coverage: 1 / 8 categories — Scanned the homepage body text AND the linked /privacy page for GDPR Article 13 disclosures. Matched 1 of 8 categories: Recipients of personal data. Missing: Data Protection Officer contact (where applicable), Data retention period, Data subject rights (access, erasure, rectification, etc.), Identity / contact details of the data controller, International data transfers, Legal basis for processing, Right to lodge a complaint with a supervisory authority. Note: only the FIRST same-origin privacy-policy link is followed; deeper sub-pages (e.g. /legal/data-subject-rights) are not fetched.

### Third-Party Trackers (A+ — 95/100)

*1 trackers detected*

- **[INFO]** 1 third-party trackers detected — Found 1 analytics, 0 advertising, 0 marketing, 0 tag manager, 0 session-replay, 0 heatmap trackers.

### Cookie & Tracker Inventory (A+ — 100/100)

*0 cookies · 1 trackers · 0 pre-consent*

- **[INFO]** 1 third-party tracker(s) detected on page

### Tracking Pixel Inventory (A+ — 100/100)

*No tracking pixels detected*

- **[PASS]** No tracking pixels detected

### Browser Fingerprinting (A+ — 100/100)

*No browser-fingerprinting libraries detected*

- **[PASS]** No browser-fingerprinting libraries detected

### Cross-Site Cookies (SameSite=None) (A+ — 100/100)

*No cookies on the page*

- **[PASS]** No cookies set on the page response

### Beacon Tracking (sendBeacon) (A+ — 100/100)

*No navigator.sendBeacon usage detected in inline scripts*

- **[PASS]** No navigator.sendBeacon usage detected in inline scripts

---

## Legal

### Legal Page Ecosystem (F — 35/100)

*1 of 7 expected legal pages detected*

- **[PASS]** Privacy Policy detected — Found at /privacy, linked from footer.
- **[WARNING]** Terms of Service not detected — No link matching common Terms of Service URL patterns or link text was found. Most websites are expected to have a Terms of Service, especially those collecting user data.
- **[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 SK Financial Solutions Pty Ltd · ABN 23 647 840 33*

- **[PASS]** Copyright notice is up to date — Copyright notice is up to date: © 2026 SK Financial Solutions Pty Ltd · ABN 23 647 840 33
- **[PASS]** Copyright holder: SK Financial Solutions Pty Ltd · ABN 23 647 840 33

### 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

*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 (A — 85/100)

*Cloudflare (DYNAMIC)*

- **[PASS]** Document is served via Cloudflare CDN (edge: CDG)
- **[INFO]** CDN cache status: DYNAMIC

### HTTP Caching (B — 70/100)

*public, max-age=0, must-revalidate*

- **[PASS]** Cache-Control header is set
- **[INFO]** No ETag or Last-Modified header — Conditional requests (304 Not Modified) are not possible without validators.

### Operational Status Page (B — 80/100)

*No status page link detected*

- **[INFO]** No operational status page link detected — Status pages communicate planned maintenance and incidents to users -- a hallmark of operationally-mature services. Most SaaS teams publish one via Atlassian Statuspage, Instatus, BetterUptime, or a self-hosted Cachet. Smaller sites legitimately don't need one; flagged as Info, not a failure.

### Transport Security (A+ — 100/100)

*HTTP/3, HSTS, and TLS version analysis*

- **[PASS]** HTTP/3 (QUIC) supported — The server advertises HTTP/3 via Alt-Svc for faster connections on mobile networks.
- **[PASS]** HSTS enabled (includeSubDomains)
- **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT)

### Health Check Endpoint (B — 80/100)

*No conventional health endpoint found*

- **[INFO]** No conventional health endpoint found — Health endpoints (/health, /healthz, /status, /ping, /api/health) let uptime monitors, load balancers, and orchestration systems (Kubernetes, ECS, Fly.io) verify the service is alive. Marketing sites and small services often skip them legitimately; flagged as Info, not a failure. Probe results: /api/health: 404, /health: 404, /healthz: 404, /ping: 404, /status: 404.

### CDN Cache Observability (A+ — 100/100)

*Cache state: DYNAMIC*

- **[PASS]** CDN cache state observable via 1 header(s)

---

## Accessibility

### Landmark Structure (A+ — 95/100)

*5 landmarks*

- **[PASS]** <main> landmark present
- **[PASS]** 2 <nav> landmark(s) found
- **[PASS]** All <nav> elements are properly labeled
- **[INFO]** No banner (header) landmark
- **[PASS]** Skip navigation link present

### Heading Hierarchy (A+ — 100/100)

*20 headings*

- **[PASS]** Single H1 present

### Heading Text Quality (A+ — 100/100)

*All 20 heading(s) have substantive, well-formed text*

- **[PASS]** Heading text quality is clean -- no placeholder, length, or styling issues

### Alt Text Quality (A+ — 100/100)

*All 3 images OK*

- **[PASS]** 1 decorative image(s) correctly marked
- **[PASS]** 2 image(s) with good alt text

### Form Accessibility (A+ — 100/100)

*No form controls*

- **[PASS]** No form controls on this page

### Link & Button Quality (A — 88/100)

*55 links, 7 buttons — all OK*

- **[WARNING]** 4 link(s) open in new tab without warning — Add '(opens in new tab)' to link text or aria-label.
- **[PASS]** 51 link(s) with descriptive text

### Form Input Types (A+ — 100/100)

*No form controls on this page*

- **[PASS]** No form controls on this page

### Form Input Quality (A+ — 100/100)

*No form controls on this page*

- **[PASS]** No form controls on this page

### Mobile Keyboard & Autofill (A+ — 100/100)

*No form controls -- mobile keyboard check is N/A*

- **[PASS]** No form controls on this page

### Document Language (A+ — 100/100)

*Lang attribute set to "en-AU"*

- **[PASS]** <html lang="en-AU"> is set and valid

### Tabindex Anti-Patterns (A — 85/100)

*0 positive, 3 -1-on-focusable*

- **[INFO]** tabindex="-1" on naturally-focusable <button id="st-t2"> — tabindex="-1" removes an element from the keyboard tab order. Naturally-focusable elements (links, buttons, form controls) become unreachable for keyboard users. (Common false-positive: hidden honeypot fields. Verify the element is genuinely interactive before removing the tabindex.)
- **[INFO]** tabindex="-1" on naturally-focusable <button id="st-t3"> — tabindex="-1" removes an element from the keyboard tab order. Naturally-focusable elements (links, buttons, form controls) become unreachable for keyboard users. (Common false-positive: hidden honeypot fields. Verify the element is genuinely interactive before removing the tabindex.)
- **[INFO]** tabindex="-1" on naturally-focusable <button id="st-t4"> — tabindex="-1" removes an element from the keyboard tab order. Naturally-focusable elements (links, buttons, form controls) become unreachable for keyboard users. (Common false-positive: hidden honeypot fields. Verify the element is genuinely interactive before removing the tabindex.)

### Iframe Accessibility (A+ — 100/100)

*No iframes on this page*

- **[PASS]** No iframes on this page

### Tap Target Adequacy (A+ — 100/100)

*All tap targets meet WCAG 2.5.5/2.5.8 sizing*

- **[PASS]** All tap targets meet WCAG 2.5.5 (44x44px) sizing

### Mobile-Readable Font Sizes (A+ — 100/100)

*All 164 visible text node(s) render at >= 12 CSS pixels*

- **[PASS]** All text uses legible mobile font sizes (>= 12 CSS px)

---

## UX

### 404 Error Page (B — 80/100)

*HTTP 404, custom page*

- **[PASS]** Correct 404 status code returned
- **[PASS]** Custom styled 404 page
- **[PASS]** Navigation links present on 404 page
- **[PASS]** Homepage link present on 404 page

### Favicon & Branding (F — 25/100)

*1 icon(s) detected*

- **[WARNING]** No favicon.ico at site root — Some older browsers, bookmark tools, and RSS readers look for /favicon.ico. Add one as a fallback.
- **[PASS]** HTML icon links detected
- **[INFO]** No apple-touch-icon detected — iOS devices use this when users add your site to their home screen. Add <link rel='apple-touch-icon' sizes='180x180' href='/apple-touch-icon.png'>.
- **[PASS]** SVG favicon detected — scales perfectly to any size

### Web Manifest (D — 40/100)

*Not found*

- **[INFO]** No web manifest found — No manifest at standard paths (/manifest.json, /site.webmanifest). A manifest is optional but enables PWA features like home screen installation and standalone display.

### PWA Depth (A+ — 100/100)

*No PWA depth issues detected*

- **[PASS]** No PWA depth issues detected

### Dark Mode Support (D — 40/100)

*No dark mode signals*

- **[INFO]** No dark mode signals detected — Consider adding CSS with @media (prefers-color-scheme: dark) and <meta name='color-scheme' content='light dark'>.
- **[INFO]** Detection limited to meta tags and inline styles — External CSS files may contain prefers-color-scheme rules not visible to this scan.

### Print Stylesheet (D — 40/100)

*No print styles*

- **[INFO]** No print-specific styles detected — When users print this page, they get the screen layout including navigation and non-essential elements. Add @media print rules to hide navigation and optimize layout for paper.

### Navigation UX (F — 35/100)

*1 navigation pattern(s)*

- **[PASS]** Skip navigation link detected
- **[PASS]** 2 navigation landmark(s) detected
- **[PASS]** Hamburger menu detected (responsive design)

### Mobile UX Depth (A+ — 97/100)

*2 mobile-depth signal(s) detected*

- **[INFO]** No `<meta name="theme-color">` -- browser chrome falls back to default — Without `theme-color`, Android Chrome's status bar and iOS Safari's toolbar fall back to a generic gray. Adding a single hex color in `<meta name="theme-color" content="#0066cc">` tints them to your brand color across all mobile browsers.
- **[PASS]** Viewport `viewport-fit=cover` -- supports notched / dynamic-island devices — The viewport meta declares `viewport-fit=cover`, which lets the page draw into the safe-area edges (notch, dynamic island, home indicator) on iPhone X+ devices. Pair with `env(safe-area-inset-*)` CSS to keep critical UI inside the inset rectangle while letting backgrounds extend edge-to-edge.

---

## SEO

### Canonical URL (A+ — 100/100)

*Properly configured*

- **[PASS]** Canonical tag present
- **[PASS]** Canonical is self-referencing
- **[PASS]** Canonical matches final URL after redirects
- **[PASS]** Canonical target returns 200

### Meta Tags (A+ — 95/100)

*Title optimized*

- **[PASS]** Page title is set
- **[PASS]** Title length (41 chars) is optimal
- **[PASS]** Meta description length (97 chars) is optimal
- **[INFO]** Title and H1 have very different wording — Alignment helps users confirm they've reached the right page.

### Title Style Depth (A+ — 100/100)

*Title style is clean -- consistent separator, no stale year, no keyword stuffing*

- **[PASS]** Title style is clean

### Content Depth (B — 80/100)

*949 words, Fairly Difficult*

- **[PASS]** Page has 949 words of content
- **[INFO]** Reading level: Fairly Difficult (grade 10)

### Internal Links (A+ — 100/100)

*53 internal, 2 external*

- **[PASS]** 53 internal links (96%)
- **[PASS]** 100% of links use descriptive anchor text
- **[INFO]** 53 internal / 2 external links

### Image SEO (A+ — 100/100)

*3 images, 3 descriptive filenames*

- **[PASS]** All images have descriptive filenames

### Hreflang

*0 hreflang tags*


### Hreflang URL Quality (A+ — 100/100)

*No hreflang tags on the page*

- **[PASS]** No hreflang tags on the page

### Hreflang Completeness (A+ — 100/100)

*No hreflang tags on this page -- check is N/A (single-language site or unannotated)*

- **[PASS]** No hreflang tags found -- completeness check is N/A

### Sitemap Freshness (C — 70/100)

*Sitemap exists but no <lastmod> entries*

- **[INFO]** Sitemap has no <lastmod> entries — Without lastmod, Google can't tell which URLs have changed since the last crawl -- it falls back to crawling everything periodically. Adding lastmod (date or ISO 8601 timestamp) on each <url> entry signals freshness so the crawler prioritizes recently-modified pages.

### Sitemap × Robots Consistency (A+ — 100/100)

*No sitemap-vs-robots conflicts detected*

- **[PASS]** Sitemap URLs are not blocked by robots.txt

### Sitemap Hygiene (A+ — 100/100)

*Sitemap structure / size look healthy (40 URLs, 3 KB)*

- **[PASS]** Sitemap structure / size look healthy (40 URLs)

### Markup Quality (A+ — 100/100)

*No markup-quality issues detected*

- **[PASS]** No markup-quality issues detected

---

## Sustainability

### CO2 Per Page Load (A+ — 100/100)

*0.03g CO2 per view*

- **[PASS]** 0.03g CO2 per page view — This page transfers 0.1 MB, producing an estimated 0.03g of CO2 per visit using the Sustainable Web Design model (v4). Breakdown: data center 0.00g, network 0.01g, end-user device 0.02g.
- **[INFO]** At 10,000 monthly views: 3.0 kg CO2/year — With 10,000 page views per month, this page would generate approximately 3.0 kg of CO2 annually — equivalent to charging 378 smartphones.
- **[PASS]** Green hosting reduces data center emissions

### Green Hosting (A+ — 100/100)

*Green (both)*

- **[PASS]** Both hosting and CDN use renewable energy
- **[INFO]** Cloudflare: Verified by the Green Web Foundation
- **[INFO]** Cloudflare: 100% renewable energy for global network since 2019
- **[INFO]** Green hosting status based on known provider commitments — Green hosting detection uses a curated database of provider renewable energy commitments. This is not a real-time verification. For authoritative checks, visit thegreenwebfoundation.org.

### Repeat Visit Weight (A+ — 100/100)

*93% cached*

- **[PASS]** 93% reduction on repeat visits — Returning visitors download only 7 KB (vs 109 KB first visit). 9 of 10 resources are served from browser cache, saving 0.02g CO2 per repeat visit.
- **[INFO]** Repeat visit: 0.00g CO2 (first visit: 0.03g)

### Carbon Budget (A+ — 100/100)

*10th percentile*

- **[PASS]** 0.03g CO2 — below the sustainability target of 0.50g — Cleaner than an estimated 90% of websites analyzed. This page meets the Web Sustainability Guidelines target.
- **[INFO]** Estimated 10th percentile — Compared to: top 10% = 0.20g, target = 0.50g, median = 0.60g per page view.

### Transfer Efficiency (A+ — 100/100)

*100% efficient*

- **[PASS]** Transfer efficiency: 100% — Only 0 KB of potential savings identified. Your page is well-optimized for size.

### Web Font Weight Variants (B — 90/100)

*No detectable Google Fonts weights*

- **[INFO]** No detectable Google Fonts weights — The analyzer detects font weights via Google Fonts URL parameters (~70% of font-using sites). Self-hosted fonts and non-Google CDN fonts aren't visible to URL-based detection. If you self-host fonts, manually audit how many @font-face weights you ship -- 2-3 weights per family is typically enough; 5+ is usually unused payload.

---

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*Generated by [BeaverCheck](https://beavercheck.com) — https://beavercheck.com/results/86f4f554-bf71-40d7-814d-9d1a92b83564*