This means that in common with many AV suites, Avira doesn't scan HTTPS transactions. It isn't really a loophole and as long as you realise and remember this "limitation", you'll be OK.
If it *could* look inside HTTPS then there is a defect in your browser, as the S is supposed to mean secure, and no ability to look inside.
If it could, internet banking would have to close !
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James - be* pro - Draytek 2820Vn = 17.7meg/2.3meg - 3db profile