Safety Tips For Online Shopping
Use Trusted Websites/Vendors – There are many simple ways to improve your safety when buying online. By shopping from trusted vendors you can be sure to stay safe.
Don’t Shop Publicly – Do not do any transaction when using an unsecured Wi-Fi connection. These blackhat hackers can easily hack your personal information through this unsecured Wi-Fi connection.
Make Sure your Device Is Protected – To ensure that your security program’s protection stays updated, keep its virus and malware signatures up-to-date. Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online.
Choose Credit Over Debit Cards – Credit cards can be the safer choice for online shopping. Remember that paying by credit card offers greater protection than with other methods in terms of fraud, guarantees and non-delivery. If someone manages to intercept your financial information online, they can do less damage and you have more recourse than if you’d used a debit card. This is for two reasons:
- Credit cards have spending limits, while debit cards—which are directly linked to your bank account—do not.
- You can dispute fraudulent charges made to a credit card without being out-of-pocket the amount in dispute, but money withdrawn directly from your checking account by a debit card is much more difficult to recover.
Payment Via Secure Payment Site – When making a payment to an individual, never transfer the money directly into their bank account but use a secure payment site such as PayPal or Google Checkout, where money is transferred between two electronic accounts.
Website Security – Make sure the order checkout area is encrypted. Before you purchase anything from a website, verify that the vendor has encrypted its payment form. There should be a padlock icon in the browser window frame, which appears when you attempt to log in or register. The website address should begin with ‘https://’ instead of “http:”. The ‘s’ stands for ‘secure’.
Double Check – Double check! Double check! Double check! Double check all details of your purchase before confirming payment.
Keep Copies Of All Correspondence – When you place an order online, most companies will send you an e-mail confirming the order has been received.Print or save the confirmation and keep it until you receive your product.
With risks that differ from traditional stores, online shopping requires extra precautions. To protect yourself and your information, follow these steps before you key in your credit card information and proceed.