{
  "generated_from": "https://saas-ranking.com/mortgage-lending/lower",
  "disclaimer": "Every result describes what we found at the addresses we checked on the date given. It is not a statement about what the vendor does or does not have. The score is a public transparency score, not a product or security rating.",
  "snapshot": "r6.60658",
  "snapshot_run": 6,
  "score_version": "v1",
  "vendor": {
    "name": "Lower",
    "domain": "lower.com"
  },
  "category": {
    "slug": "mortgage-lending",
    "name": "Lending and mortgage software"
  },
  "score": 9,
  "band": "F",
  "measured": 12,
  "of": 12,
  "criteria": [
    {
      "key": "dpa",
      "name": "Data processing agreement",
      "weight": 3,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/legal/dpa",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/dpa",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/data-processing-agreement",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/data-processing-agreement",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/data-processing-addendum",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/gdpr",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust/dpa",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy/dpa",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.929Z"
    },
    {
      "key": "subprozessoren",
      "name": "Subprocessor list",
      "weight": 3,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/legal/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/sub-processors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/sub-processors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/subprocessor-list",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.931Z"
    },
    {
      "key": "datenregion",
      "name": "Data location stated",
      "weight": 3,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/security",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/privacy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy-policy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/compliance",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/privacy-policy",
          "result": "reached, no match (HTTP 200)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.932Z"
    },
    {
      "key": "statusseite",
      "name": "Status page with history",
      "weight": 2,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://status.lower.com/",
          "result": "The name \"status.lower.com\" could not be resolved."
        },
        {
          "url": "https://lower.com/status",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com.statuspage.io/",
          "result": "Could not be fetched: fetch failed."
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.932Z"
    },
    {
      "key": "preise",
      "name": "Public pricing",
      "weight": 2,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/pricing",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/pricing/",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/plans",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/en/pricing",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/pricing-plans",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.934Z"
    },
    {
      "key": "zertifizierungen",
      "name": "Certifications named",
      "weight": 1,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/security",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust-center",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/compliance",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/security",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://trust.lower.com/",
          "result": "The name \"trust.lower.com\" could not be resolved."
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.934Z"
    },
    {
      "key": "sla",
      "name": "Uptime SLA with a figure",
      "weight": 1,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/legal/sla",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/sla",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/service-level-agreement",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust/sla",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/uptime",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/uptime-sla",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.935Z"
    },
    {
      "key": "transport",
      "name": "HTTPS enforced with HSTS",
      "weight": 2,
      "result": "found",
      "source_url": "https://lower.com/",
      "addresses_checked": [
        {
          "url": "http://lower.com/",
          "result": "redirects to https://www.lower.com/"
        },
        {
          "url": "https://lower.com/",
          "result": "HSTS max-age=31536000"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.935Z"
    },
    {
      "key": "tracker_vor_einwilligung",
      "name": "No third-party tracking before consent",
      "weight": 2,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/",
          "result": "third-party requests before any interaction: 1x7km, 7052064.fs1.hubspotusercontent-na1.net, ad.doubleclick.net, api.hubapi.com, app.hubspot.com, bat.bing.com, bat.bing.net, connect.facebook.net, cta-service-cms2.hubspot.com, js.adsrvr.org, js.hs-analytics.net, js.hs-banner.com, js.hs-scripts.com, js.hsadspixel.net, js.hubspot.com, perf-na1.hsforms.com, rum.browser-intake-us3-datadoghq.com, scripts.clarity.ms, session-replay.browser-intake-us3-datadoghq.com, us-assets.i.posthog.com, us.i.posthog.com, www.clarity.ms, www.datadoghq-browser-agent.com, www.facebook.com, www.google.com, www.googletagmanager.com"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "security_txt",
      "name": "security.txt (RFC 9116)",
      "weight": 1,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/.well-known/security.txt",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.937Z"
    },
    {
      "key": "subprozessor_meldung",
      "name": "Notice before subprocessors change",
      "weight": 2,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/legal/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/sub-processors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/dpa",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/dpa",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/data-processing-agreement",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust/subprocessors",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/sub-processors",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.937Z"
    },
    {
      "key": "datenschutzkontakt",
      "name": "Named privacy contact",
      "weight": 1,
      "result": "not_found",
      "source_url": null,
      "addresses_checked": [
        {
          "url": "https://lower.com/legal/privacy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/privacy-policy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/legal/privacy-policy",
          "result": "reached, no match (HTTP 200)"
        },
        {
          "url": "https://lower.com/legal/privacy-notice",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/trust/privacy",
          "result": "reached, no match (HTTP 404)"
        },
        {
          "url": "https://lower.com/datenschutz",
          "result": "reached, no match (HTTP 404)"
        }
      ],
      "note": null,
      "measured_on": "2026-09-04T04:01:47.938Z"
    }
  ],
  "details": [
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "1x7km",
      "subject": null,
      "quote": "1x7km",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "adsrvr.org",
      "subject": null,
      "quote": "js.adsrvr.org",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "bing.com",
      "subject": null,
      "quote": "bat.bing.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "bing.net",
      "subject": null,
      "quote": "bat.bing.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "browser-intake-us3-datadoghq.com",
      "subject": null,
      "quote": "rum.browser-intake-us3-datadoghq.com, session-replay.browser-intake-us3-datadoghq.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "clarity.ms",
      "subject": null,
      "quote": "scripts.clarity.ms, www.clarity.ms",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "datadoghq-browser-agent.com",
      "subject": null,
      "quote": "www.datadoghq-browser-agent.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "doubleclick.net",
      "subject": null,
      "quote": "ad.doubleclick.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "facebook.com",
      "subject": null,
      "quote": "www.facebook.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "facebook.net",
      "subject": null,
      "quote": "connect.facebook.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "google.com",
      "subject": null,
      "quote": "www.google.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "googletagmanager.com",
      "subject": null,
      "quote": "www.googletagmanager.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hs-analytics.net",
      "subject": null,
      "quote": "js.hs-analytics.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hs-banner.com",
      "subject": null,
      "quote": "js.hs-banner.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hs-scripts.com",
      "subject": null,
      "quote": "js.hs-scripts.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hsadspixel.net",
      "subject": null,
      "quote": "js.hsadspixel.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hsforms.com",
      "subject": null,
      "quote": "perf-na1.hsforms.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hubapi.com",
      "subject": null,
      "quote": "api.hubapi.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hubspot.com",
      "subject": null,
      "quote": "app.hubspot.com, cta-service-cms2.hubspot.com, js.hubspot.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "hubspotusercontent-na1.net",
      "subject": null,
      "quote": "7052064.fs1.hubspotusercontent-na1.net",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "drittanbieter",
      "name": "Third-party host on first load",
      "value": "posthog.com",
      "subject": null,
      "quote": "us-assets.i.posthog.com, us.i.posthog.com",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.936Z"
    },
    {
      "key": "hsts_frist",
      "name": "HSTS max-age",
      "value": "31536000",
      "subject": null,
      "quote": "max-age=31536000",
      "source_url": "https://lower.com/",
      "measured_on": "2026-09-04T04:01:47.935Z"
    }
  ]
}