# BeaverCheck Audit Report — https://www.sacco-standard.co.ke

**Date:** August 18, 2026  
**URL:** https://www.sacco-standard.co.ke  
**Overall Grade:** C (79/100)  
**Report:** https://beavercheck.com/results/9d3767c5-9b95-4380-9baa-56ed1f2d5549

## Top Findings

1. **[CRITICAL]** Content-Security-Policy header is missing — Security > Security Headers
2. **[CRITICAL]** Cookie 'XSRF-TOKEN' is missing the Secure flag — Security > Cookie Security
3. **[CRITICAL]** Cookie 'sacco-standard-session' is missing the Secure flag — Security > Cookie Security
4. **[CRITICAL]** HSTS header is missing — Security > Security Headers
5. **[CRITICAL]** No Content-Security-Policy header found — Security > Content Security Policy

---

## Lighthouse Scores

| Category | Score |
|----------|-------|
| Performance | 55 |
| Accessibility | 82 |
| Best Practices | 100 |
| SEO | 100 |

---

## Security

### Security Headers (F — 5/100)

*1 of 10 headers properly configured*

- **[CRITICAL]** HSTS header is missing — Strict-Transport-Security forces browsers to use HTTPS, preventing downgrade attacks. Add the header with a max-age of at least 1 year.
- **[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
- **[WARNING]** Server header reveals version information — The Server header discloses the software version, aiding attackers in targeting known vulnerabilities. Remove the version number.
- **[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 (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.
- **[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 49 days)
- **[PASS]** Certificate chain has 4 certificates
- **[PASS]** Certificate uses modern signature algorithm
- **[PASS]** Certificate covers 2 domain(s)
- **[PASS]** Certificate is issued by a trusted CA

### Cookie Security (C — 65/100)

*2 cookies analyzed, 3 checks passed*

- **[CRITICAL]** Cookie 'XSRF-TOKEN' is missing the Secure flag — Without the Secure flag, this cookie can be sent over unencrypted HTTP, exposing it to interception.
- **[WARNING]** Cookie 'XSRF-TOKEN' is missing the HttpOnly flag — Without HttpOnly, this cookie can be accessed by JavaScript, making it vulnerable to XSS-based theft.
- **[PASS]** Cookie 'XSRF-TOKEN' has SameSite=Lax
- **[CRITICAL]** Cookie 'sacco-standard-session' is missing the Secure flag — Without the Secure flag, this cookie can be sent over unencrypted HTTP, exposing it to interception.
- **[PASS]** Cookie 'sacco-standard-session' has the HttpOnly flag
- **[PASS]** Cookie 'sacco-standard-session' has SameSite=Lax

### Cookie Hygiene (A+ — 100/100)

*All 2 cookie(s) pass hygiene checks*

- **[PASS]** All 2 cookie(s) pass hygiene checks

### WAF / Bot Protection (B — 75/100)

*No WAF detected via response headers*

- **[INFO]** No WAF detected — Response headers don't match any known WAF or bot-management product. Sites exposed to abuse (login, signup, payment) typically benefit from a WAF such as Cloudflare, Akamai, AWS WAF, or Imperva.

### security.txt (B — 70/100)

*Vulnerability disclosure policy*

- **[PASS]** security.txt found
- **[WARNING]** security.txt: Missing required 'Contact' field
- **[WARNING]** security.txt: Missing required 'Expires' field (RFC 9116)

### Cross-Origin Tab Safety (C — 75/100)

*3 of 3 new-tab link(s) missing rel=noopener*

- **[WARNING]** 3 link(s) open in a new tab without rel=noopener — Without rel="noopener", the destination tab can navigate the original tab via window.opener -- a reverse-tabnabbing phishing primitive. Modern browsers default to noopener since Chrome 88 / Firefox 79 / Safari 12.1, but explicit rel="noopener noreferrer" remains the documented best practice for older browsers, in-app webviews, and security scanners.

### CSP Inline-Style Readiness (A+ — 100/100)

*No inline style attributes -- strict CSP is feasible*

- **[PASS]** No inline style attributes detected

### Trusted Types (XSS Sink Hardening) (A+ — 100/100)

*No CSP header -- Trusted Types check is N/A*

- **[PASS]** No CSP header found -- Trusted Types check is N/A

### 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 (F — 30/100)

*0% SRI adoption (0/1 third-party resources)*

- **[WARNING]** SRI adoption: 0/1 third-party resources protected (0%) — Of 1 third-party `<script>` / `<link rel=stylesheet>` resources, 0 (0%) declare a Subresource Integrity hash via the `integrity=` attribute. SRI binds the page to the exact bytes of the third-party resource: if the CDN is compromised, attacker-modified bytes won't match the declared hash and the browser refuses to execute the resource.

Missing SRI on (first 1 examples):
  - https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700&display=swap

Fix: add `integrity="sha384-..."` and `crossorigin="anonymous"` attributes. Generators: srihash.org, or in-browser via `await crypto.subtle.digest('SHA-384', bytes)`. Cache-bust the resource URL when you change versions, since the integrity hash will mismatch with old cached bytes.

### CORS Depth (A+ — 100/100)

*No CORS response headers -- the resource is same-origin-only by browser default*

- **[PASS]** No CORS response headers -- the resource is same-origin-only by browser default

### Permissions-Policy Granularity (C — 60/100)

*No Permissions-Policy header set -- powerful features (camera / microphone / geolocation / payment / USB) default to allow-on-same-origin*

- **[WARNING]** Permissions-Policy header not set -- features default to allow-on-same-origin — Without a `Permissions-Policy` (or legacy `Feature-Policy`) header, every powerful browser feature defaults to its spec default policy (typically `self`). A third-party iframe injected via XSS or a misconfigured embed can still request access to the user's camera, microphone, geolocation, payment APIs, USB devices, etc. Explicitly deny features the page doesn't need:

```
Permissions-Policy: camera=(), microphone=(), geolocation=(), payment=(), usb=(), accelerometer=(), gyroscope=()
```

Features the page legitimately uses can stay enabled with `feature=(self)`.

### Referrer-Policy Strictness (B — 75/100)

*Referrer-Policy header not set -- browser default applies (modern: strict-origin-when-cross-origin; legacy browsers: no-referrer-when-downgrade)*

- **[INFO]** Referrer-Policy header not set -- browser default applies — Without an explicit `Referrer-Policy` header, the browser falls back to its default policy. Modern browsers (Chrome 85+, Firefox 87+, Safari 15+) default to `strict-origin-when-cross-origin`, which is privacy-safe. Legacy browsers default to the leaky `no-referrer-when-downgrade`, which sends the full URL (including path + query) on cross-origin HTTPS-to-HTTPS requests. Set an explicit header to ensure consistent behavior:

```
Referrer-Policy: strict-origin-when-cross-origin
```

This matches the modern browser default and is privacy-safe without breaking referrer-based same-origin analytics.

### Source Map Exposure (C — 70/100)

*1 publicly-accessible source map(s) -- full source code leaked*

- **[WARNING]** 1 publicly-accessible JavaScript source map(s) — Source maps (.js.map files) reveal the original source code -- variable names, comments, file structure, and sometimes secrets that were stripped from the bundled output. They're shipped to production by mistake almost universally; the standard fix is a build-tool config flag (Webpack: `devtool: false` or `'hidden-source-map'`; Vite: `build.sourcemap: false`; Next.js: `productionBrowserSourceMaps: false`). Once removed, audit your CDN/edge cache to evict any previously-cached .map URLs. Sample accessible URLs: https://www.sacco-standard.co.ke/build/assets/app-4X6cd8ib.js.map.

### 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 (F — 20/100)

*0 of 1 external resources have SRI*

- **[WARNING]** External link from fonts.googleapis.com 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*

- **[PASS]** security.txt is present — good practice
- **[PASS]** No sensitive files exposed

### Email Security (F — 12/100)

*no DMARC, SPF: ~all*

- **[WARNING]** No DMARC record found — Without DMARC, email receivers have no policy for handling authentication failures. Add a TXT record at _dmarc.<domain> starting with v=DMARC1.
- **[INFO]** SPF ends in ~all (soft fail) — Soft fail tells receivers to accept-but-mark unauthorized mail. Migrate to -all once you've confirmed all legitimate senders are listed (DMARC aggregate reports help verify).
- **[INFO]** No DKIM detected via common selectors — DKIM signs outbound mail to prove origin. We probed common selectors (default, google, selector1, etc.) without finding a record. If you use a non-standard selector, this is a false negative.
- **[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 (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 (D — 49/100)

*2.3 MB transferred, 22 requests*

- **[INFO]** Page weighs 3.2 MB (2.3 MB transferred)
- **[WARNING]** JavaScript is 881 KB — consider code splitting or lazy loading — Large JavaScript bundles delay interactivity. Split code by route or defer non-critical scripts.
- **[INFO]** CSS is 845 KB — consider purging unused styles — Remove unused CSS rules with tools like PurgeCSS to reduce stylesheet size.
- **[INFO]** Fonts are 417 KB — consider subsetting or using system fonts — Subset fonts to include only used characters, or switch to system font stacks.
- **[PASS]** 22 HTTP requests
- **[INFO]** Estimated 0.47 g CO2 per page load

### Third-Party Impact (A+ — 100/100)

*1% third-party, 0 ms blocking*

- **[INFO]** Third-party code accounts for 1% of page weight (24.0 KiB of 2.3 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 (A — 90/100)

*2 images, 0 KB saveable*

- **[WARNING]** https://www.sacco-standard.co.ke/sacco-logo.png is missing width/height — may cause layout shift — Set explicit width and height to prevent CLS.

### JS Execution Cost (C — 60/100)

*1339ms total JS execution*

- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/Publ...: 571ms CPU time
- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/ui-v...: 292ms CPU time
- **[WARNING]** Unattributable: 252ms CPU time
- **[INFO]** https://www.sacco-standard.co.ke/: 122ms CPU time
- **[INFO]** https://www.sacco-standard.co.ke/build/assets/ui-v...: 103ms CPU time

### Font Loading (A+ — 100/100)

*4 fonts (417 KB)*

- **[INFO]** 4 font(s) use font-display: swap (FOUT risk but functional)

### JS Bundles (F — 20/100)

*6 scripts, 550 KB unused*

- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/ui-v...: 355 KB unused (70%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/vue-...: 109 KB unused (54%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/vend...: 53 KB unused (71%) — Consider code splitting or tree shaking to reduce unused code.
- **[WARNING]** https://www.sacco-standard.co.ke/build/assets/app-...: 33 KB unused (51%) — Consider code splitting or tree shaking to reduce unused code.
- **[INFO]** Total unused JavaScript: 550 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)

*5 hints, 0 missing preconnects*

- **[PASS]** Page uses 5 resource hint(s)

### HTTP/3 (QUIC) (B — 75/100)

*HTTP/3 not advertised*

- **[INFO]** HTTP/3 (QUIC) is not advertised — HTTP/3 isn't advertised via Alt-Svc and the worker didn't negotiate h3. HTTP/3 reduces handshake latency (1-RTT instead of 2-3 RTTs) and is more resilient on lossy connections. Most modern CDNs (Cloudflare, Fastly, AWS CloudFront, Google Cloud CDN) support HTTP/3 with a single config switch -- consider enabling for mobile-heavy workloads.

### Compression Algorithm (B — 80/100)

*Main response uses gzip; brotli would be ~20% smaller*

- **[INFO]** Main HTML response uses gzip (brotli would be ~20% smaller) — All current browsers support brotli. Most CDNs (Cloudflare, Fastly, AWS CloudFront, Vercel, Netlify) can switch from gzip to brotli with a single config flag. Origin servers (nginx, Apache) need a brotli module compiled in -- nginx-brotli or Apache mod_brotli.

### 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 uses no-cache -- safe revalidate-on-request policy*

- **[PASS]** Main HTML uses no-cache -- safe revalidate-on-request policy

### 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 — 87/100)

*2 server-response signal(s) detected*

- **[WARNING]** Compressed response missing `Vary` header — The page is served with `Content-Encoding: gzip` but has no `Vary` header. Without `Vary: Accept-Encoding`, intermediary caches (corporate proxies, ISP caches) may serve the compressed variant to clients that didn't send the matching `Accept-Encoding` -- the client sees garbled bytes. Add `Vary: Accept-Encoding` whenever the response is conditionally compressed.
- **[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 (D — 50/100)

*22 resources · 2.3 MB · 550 KB savings available*

- **[WARNING]** Page weight 2.3 MB exceeds 1 MB target by 1.3 MB
- **[INFO]** ~550 KB of savings available
- **[INFO]** 4 third-party resources (1% of weight)
- **[INFO]** 4 resources over 200KB

### 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 — 88/100)

*1 CSS depth issue(s) detected*

- **[WARNING]** 8 render-blocking stylesheet(s) -- recommended: <=3 — Each `<link rel="stylesheet">` without a non-blocking `media` attribute holds up the first paint. Browsers download all of them before painting any content. Consolidate into 1-2 critical-path stylesheets; defer non-critical CSS via `<link rel="stylesheet" media="print" onload="this.media='all'">` or via the loadCSS pattern; inline above-the-fold CSS in `<style>` to short-circuit the request entirely.

---

## Content Quality

### Links (A — 90/100)

*23 links checked, 21 healthy, 2 broken*

- **[WARNING]** 21 of 23 links are healthy
- **[WARNING]** Broken link: https://fonts.googleapis.com — Found in <link href>. Returns HTTP 404.
- **[WARNING]** Broken link: https://fonts.gstatic.com — Found in <link href>. Returns HTTP 404.

### 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 (F — 40/100)

*6 issues found across 4 images*

- **[WARNING]** 1 images significantly larger than display size — Resizing to display dimensions could save approximately 119 KB.
- **[WARNING]** 4 images missing explicit width/height — Images without dimensions cause layout shifts (CLS). Set explicit width and height attributes.
- **[INFO]** 1 below-fold images missing loading="lazy" — Lazy loading defers below-fold images, reducing initial page weight.
- **[WARNING]** All 4 images use legacy formats (JPEG/PNG/GIF) — WebP offers 25-35% smaller files than JPEG. Use <picture> with <source type="image/webp"> for modern format support.
- **[INFO]** 1 image(s) wider than 400px without srcset (no responsive serving) — These images deliver the same asset to every viewport (mobile, tablet, retina). Adding srcset / <picture> lets the browser pick a viewport-appropriate variant and typically saves 40-70% of bytes on mobile. Sample: https://www.sacco-standard.co.ke/sacco-landing.png.
- **[INFO]** 1 image(s) rendered at a different aspect ratio than the source — The displayed dimensions distort the source -- CSS is forcing the image into a container at the wrong ratio, producing visible stretching or squashing. Either crop the source to match or use object-fit: cover (and accept the crop). Sample: https://www.sacco-standard.co.ke/sacco-landing.png.

### Autoplay Media (A+ — 100/100)

*No autoplay media on the page*

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

---

## Infrastructure

### DNS Records (A — 85/100)

*1 A records, 60 ms lookup*

- **[PASS]** Resolves to 1 IPv4 address(es)
- **[INFO]** Single A record — no DNS redundancy — Multiple A records provide failover if one server goes down.
- **[INFO]** No IPv6 (AAAA) records
- **[WARNING]** CNAME record at zone apex — A CNAME at the zone apex can break MX and NS records. Use ALIAS/ANAME or A records instead.
- **[PASS]** 2 nameserver(s) configured
- **[PASS]** 1 mail exchanger(s) configured
- **[PASS]** SPF record present in TXT
- **[PASS]** DNS resolution time: 60 ms

### Subdomain Takeover (A+ — 100/100)

*No subdomain takeover risk detected*

- **[PASS]** CNAME does not point at a known takeover-able service

### 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)

*0/1 IPs match cert SAN*

- **[INFO]** PTR lookup failed for 178.162.240.55: lookup 178.162.240.55: 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 — 90/100)

*Mean 57ms across 3 resolvers (spread 37ms)*

- **[PASS]** Google: 34ms
- **[PASS]** Cloudflare: 67ms
- **[PASS]** Quad9: 71ms

### 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 (C — 65/100)

*robots.txt present, sitemap with 0 URLs*

- **[PASS]** robots.txt is present
- **[PASS]** sitemap.xml is present
- **[WARNING]** sitemap.xml contains invalid XML — Search engines may not be able to parse the sitemap. Fix XML validation errors.
- **[WARNING]** sitemap.xml is empty — no URLs found — An empty sitemap provides no value. Add <url> entries for your pages.
- **[INFO]** robots.txt does not reference a sitemap — Add a 'Sitemap:' directive to robots.txt so search engines can discover your 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)

*sacco-standard.co.ke — via HKL, 5 months old, hosted on LEASEWEB-DE-FRA-10 - Leaseweb Deutschland GmbH, DE*

- **[PASS]** Domain registered until Mar 6, 2027 (6 months remaining)
- **[INFO]** Domain is only 5 months old — Newly registered domains may face SEO trust challenges. Search engines generally give more authority to older domains. This is informational — not a problem to fix.
- **[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: HKL
- **[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: LEASEWEB-DE-FRA-10 - Leaseweb Deutschland GmbH, DE

---

## Compliance

### WCAG Compliance (A+ — 100/100)

*No testable criteria*


### Cookie Consent & Privacy (C — 60/100)

*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
- **[CRITICAL]** 1 non-essential cookie(s) set without consent banner — Unrecognized (treated as non-essential): sacco-standard-session
- **[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)

*No additional i18n signals detected*

- **[PASS]** No additional i18n signals detected

### 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.

### GDPR Article 13 Disclosures (F — 25/100)

*0 / 8 Art. 13 categories matched in homepage body*

- **[WARNING]** GDPR Article 13 disclosure coverage: 0 / 8 categories — Scanned the homepage body text AND the linked /privacy page for GDPR Article 13 disclosures. Matched 0 of 8 categories: . 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, Recipients of personal data, 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+ — 100/100)

*No third-party trackers detected*

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

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

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

- **[INFO]** 1 cookie(s) could not be classified

### 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 SameSite=None cookies -- no cross-site travel surface*

- **[PASS]** No cookies opted in to cross-site travel (SameSite=None)

### 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 (C — 60/100)

*2 of 7 expected legal pages detected*

- **[PASS]** Privacy Policy detected — Found at #, linked from footer.
- **[PASS]** Terms of Service detected — Found at #, linked from footer.
- **[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 Sacco Standard*

- **[PASS]** Copyright notice is up to date — Copyright notice is up to date: © 2026 Sacco Standard
- **[PASS]** Copyright holder: Sacco Standard

### Regulatory Indicators

*0 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]** No specific regulatory indicators detected — No strong signals for GDPR, CCPA, ADA, PCI, HIPAA, or COPPA were found. This does not mean these regulations don't apply — it means we didn't detect common technical indicators.

### 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 (B — 70/100)

*1 compliance badge(s) detected*

- **[PASS]** TRUSTe / TrustArc badge detected — Found via body text: 'truste'. Note: the presence of a badge does not verify the certification is current or valid.

---

## Availability

### CDN & Delivery (D — 50/100)

*No CDN detected*

- **[WARNING]** No CDN detected — A CDN can significantly improve load times for users around the world by caching content at edge nodes closer to them.

### HTTP Caching (B — 70/100)

*no-cache, private*

- **[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 (B — 75/100)

*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.
- **[WARNING]** Missing Strict-Transport-Security header — HSTS tells browsers to only use HTTPS, preventing SSL stripping attacks.
- **[PASS]** TLS 1.3 in use (fastest handshake, 1-RTT)

### Health Check Endpoint (A+ — 100/100)

*Health endpoint at https://www.sacco-standard.co.ke/health (HTTP 200)*

- **[PASS]** Public health endpoint at https://www.sacco-standard.co.ke/health

### CDN Cache Observability (B — 85/100)

*No CDN cache-status headers in the response*

- **[INFO]** No CDN cache-status headers in the response — Without an X-Cache / CF-Cache-Status / X-Vercel-Cache / Age header, you can't tell from outside whether a request hit the cache or went to origin. Operationally important: enables debugging stale-content reports and verifying cache rules. Most managed CDN platforms emit at least one of these by default; absence often means the platform's diagnostic headers are stripped at an upstream proxy.

---

## Accessibility

### Landmark Structure (B — 75/100)

*5 landmarks*

- **[PASS]** <main> landmark present
- **[PASS]** 2 <nav> landmark(s) found
- **[WARNING]** 2 of 2 <nav> elements are unlabeled — Multiple navigations need aria-label to distinguish them for screen readers.
- **[WARNING]** Skip navigation link is missing (WCAG 2.4.1) — Add a skip link as the first focusable element so keyboard users can bypass repeated navigation.

### Heading Hierarchy (C — 55/100)

*31 headings, 3 skip(s)*

- **[PASS]** Single H1 present
- **[WARNING]** Heading level skipped: H1 → H3 (missing H2) — Skipping heading levels breaks the document outline. Screen readers may interpret missing levels as structural errors.
- **[WARNING]** Heading level skipped: H2 → H4 (missing H3) — Skipping heading levels breaks the document outline. Screen readers may interpret missing levels as structural errors.
- **[WARNING]** Heading level skipped: H2 → H4 (missing H3) — Skipping heading levels breaks the document outline. Screen readers may interpret missing levels as structural errors.

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

*All 31 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 4 images OK*

- **[PASS]** 1 decorative image(s) correctly marked
- **[PASS]** 3 image(s) with good alt text

### Form Accessibility (A+ — 100/100)

*No form controls*

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

### Link & Button Quality (F — 38/100)

*6 issue(s) across 37 links and 3 buttons*

- **[CRITICAL]** 3 link(s) with no accessible text — Links without text are announced as raw URLs by screen readers.
- **[WARNING]** 5 link(s) open in new tab without warning — Add '(opens in new tab)' to link text or aria-label.
- **[CRITICAL]** 3 button(s) with no accessible text — Icon-only buttons need an aria-label so screen readers can announce them.
- **[PASS]** 29 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"*

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

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

*6 explicit tabindex attribute(s) checked, no anti-patterns*

- **[PASS]** No tabindex anti-patterns detected

### 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 (D — 60/100)

*47% of visible text renders at >= 12 CSS px (70 below threshold)*

- **[WARNING]** 70 text node(s) render below 12 CSS pixels on mobile — Mobile browsers default the root font-size to 16 px; text below ~ 12 px (75% of root) is hard to read without zooming. WCAG 1.4.4 (Resize Text) requires the page to support 200% zoom without loss of functionality -- which most layouts handle, but small base text still costs readability and conversion. Audit which selectors set sizes below 12 px (often footers, fine print, table cells) and bump them to 14-16 px or use rem units that scale with user preferences. Examples: <div> 9.8px ("Digital SACCO Platform"); <span> 10.5px ("Sign In"); <span> 10.5px ("Get Started"); <div> 11.4px ("Home"); <div> 11.4px ("Features").

---

## UX

### 404 Error Page (F — 20/100)

*Soft 404 detected*

- **[CRITICAL]** Soft 404: server returns HTTP 200 for non-existent pages — The server returns HTTP 200 for a path that does not exist. Search engines will index these pages, diluting your real content. Configure your server to return a proper 404 status code for missing pages.

### Favicon & Branding (C — 55/100)

*3 icon(s) detected*

- **[PASS]** favicon.ico present at site root
- **[PASS]** HTML icon links detected
- **[PASS]** Apple touch icon present

### Web Manifest (F — 30/100)

*Invalid JSON*

- **[WARNING]** Manifest contains invalid JSON — Manifest at https://www.sacco-standard.co.ke/manifest.json contains invalid JSON. Browsers cannot parse it.

### PWA Depth (A+ — 100/100)

*No PWA depth issues detected*

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

### Dark Mode Support (B — 70/100)

*Dark mode detected*

- **[PASS]** Dark-specific theme-color detected — A theme-color with media='(prefers-color-scheme: dark)' adapts the browser toolbar for dark mode.
- **[PASS]** prefers-color-scheme CSS detected in inline styles
- **[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 — 15/100)

*No navigation patterns*

- **[PASS]** 2 navigation landmark(s) detected
- **[INFO]** No breadcrumbs, search, or skip link detected — These navigation aids help users orient themselves and find content efficiently, especially on large sites.

### Mobile UX Depth (A+ — 100/100)

*1 mobile-depth signal(s) detected*

- **[PASS]** Browser-chrome `theme-color` meta tag present — The page sets `<meta name="theme-color" content="...">`, which Android Chrome uses to tint the status bar and iOS Safari uses for the toolbar background. Brand polish that costs nothing and Just Works.

---

## SEO

### Canonical URL (B — 80/100)

*Minor issues*

- **[WARNING]** No canonical tag found — Search engines will determine the canonical URL themselves, which may cause duplicate content issues.

### Meta Tags (A — 85/100)

*Title: 14 chars*

- **[PASS]** Page title is set
- **[WARNING]** Title is only 14 characters — consider expanding
- **[PASS]** Meta description length (143 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 (C — 65/100)

*728 words, Difficult*

- **[PASS]** Page has 728 words of content
- **[INFO]** Text-to-HTML ratio is 5% — Very low ratio suggests heavy framework overhead or boilerplate.
- **[INFO]** Reading level: Difficult (grade 13)

### Internal Links (A+ — 100/100)

*34 internal, 3 external*

- **[PASS]** 34 internal links (92%)
- **[PASS]** 92% of links use descriptive anchor text
- **[INFO]** 34 internal / 3 external links

### Image SEO (A+ — 100/100)

*4 images, 4 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 (B — 75/100)

*1 hygiene issue(s) on a 0-URL sitemap*

- **[WARNING]** Sitemap is empty -- 0 URLs listed — The sitemap file is reachable and parses as valid XML, but contains no `<url>` entries. Common causes: a templated sitemap that didn't iterate the URL set during build, a static placeholder shipped to production, or a CMS that lost its URL index. Search engines fetch and discard empty sitemaps.

### Markup Quality (A+ — 95/100)

*1 markup-quality issue(s) detected*

- **[INFO]** 5 redundant ARIA role attribute(s) on native semantic element(s) — The W3C "ARIA in HTML" spec calls this its first rule: don't use ARIA when a native HTML element already conveys the semantics. `<button role="button">`, `<a href role="link">`, `<nav role="navigation">`, `<main role="main">` -- the role attribute either does nothing or shadows the native semantic, occasionally breaking assistive-tech behaviors. Remove the redundant role.

---

## Sustainability

### CO2 Per Page Load (B — 70/100)

*0.64g CO2 per view*

- **[INFO]** 0.64g CO2 per page view — This page transfers 2.3 MB, producing an estimated 0.64g of CO2 per visit using the Sustainable Web Design model (v4). Breakdown: data center 0.12g, network 0.11g, end-user device 0.41g.
- **[INFO]** At 10,000 monthly views: 76.5 kg CO2/year — With 10,000 page views per month, this page would generate approximately 76.5 kg of CO2 annually — equivalent to charging 9564 smartphones.

### Green Hosting (D — 50/100)

*Unknown*

- **[INFO]** Hosting provider could not be identified — Without knowing the provider, we cannot determine their energy sourcing. Check with your hosting provider about their renewable energy commitments.
- **[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)

*100% cached*

- **[PASS]** 100% reduction on repeat visits — Returning visitors download only 2 KB (vs 2305 KB first visit). 21 of 22 resources are served from browser cache, saving 0.64g CO2 per repeat visit.
- **[INFO]** Repeat visit: 0.00g CO2 (first visit: 0.64g)

### Carbon Budget (D — 50/100)

*51th percentile*

- **[WARNING]** 0.64g CO2 — above the median website (0.60g) — Heavier than an estimated 49% of websites. Reducing page weight, optimizing images, and removing unused JavaScript would lower the carbon footprint. See the Performance tab.
- **[INFO]** Estimated 51th percentile — Compared to: top 10% = 0.20g, target = 0.50g, median = 0.60g per page view.

### Transfer Efficiency (B — 80/100)

*76% efficient*

- **[INFO]** Transfer efficiency: 76% — An estimated 549 KB (24%) could be eliminated: 0 KB via better compression, 0 KB via modern image formats, 549 KB of unused JavaScript. This wasted data produces 0.15g of unnecessary CO2 per page view.

### Web Font Weight Variants (B — 85/100)

*5 font weights loaded across 1 famil(y/ies)*

- **[INFO]** 5 font weights loaded -- review whether all are used — 5+ weights for a single page is often more than needed. Compare against the actual font-weight CSS rules in your stylesheets; trim weights that aren't applied to any element. Affected families: Poppins.

---

---

*Generated by [BeaverCheck](https://beavercheck.com) — https://beavercheck.com/results/9d3767c5-9b95-4380-9baa-56ed1f2d5549*