Shopping online offers you several advantages such as speed,
convenience of doing it from your desk rather than braving traffic, and
a wide choice... But these advantages can only benefit
you if you take care of the most important aspect while shopping online:
safety.
Safety is of prime importance when shopping online -- you can face not only
commercial loss if you are not careful, but in extreme cases stand a chance of
your identity being appropriated. The following tips can help you determine
whether the website you are planning to use is secure and trustworthy or not.
Be careful before you select a store
Do your homework. Go through the ratings and reviews given by previous
customers of the website. Make sure you have one other way of contacting them;
a phone number or a mailing address. Also, gather information about the website
from the "About us' section.
Review their shipping methods and policies to determine what carriers they use,
their shipping rates, and if they provide tracking and insurance. Also find out
where they ship from -- goods are sometimes sent from international locations,
which require customs and extra time.
Misspellings and grammatical errors are indicators that a website might be
fraudulent. You can simply browse through the website to check if it is
authenticated and protected. Trust marks such as the VeriSign Secured Seal, or
a green address bar in Internet explorer.
Colour-coded address bars are a feature of Extended Validation Secure Sockets
Layer (SSL) certificates, which provide added information about a website's
authenticity.
The site should not ask for more than your name, shipping address, billing
address, credit card type and number, or expiration date.
Choosing a payment service
Always be sure of your method of payment. If you have a choice, follow these
tips to choose a more secur
E service: Read the privacy policy and make sure you
agree with it. If you don't, go elsewhere.
Check for a stamp of approval from the BBBOnline (the Better Business Bureau
Online) or Verisign.
Find out what others say about the service: check with your colleagues and
friends
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Avoid third-party payment Never respond to email messages from third-party payment services asking you to
confirm account details, such as passwords or other personally identifiable
information. These email messages could be an identity theft scam, such as
phishing.
Type the address of the payment service directly into your browser or use your
personal bookmarks. If you need to update your account information or change
your password, visit the website by using your personal bookmark or by typing
the URL directly into your browser.
Check if the seller has been a verified member of the payment service for a few
months or more. Some sites also allow you to check the seller's rating --
although these ratings cannot be guaranteed, they can be helpful.
Never use your account to transfer money for someone else that you don't know.
This might be an advanced fee fraud.
Be more careful when you purchase very expensive items, such as jewelry or
computers, especially around the holidays and for items that are sold out in
stores
Before you enter your credit card number
So, you've found the perfect item at the perfect price and you're ready the
purchase. Befo
re you enter your credit card number, make sure the store
you've chosen abides by the following rules.
-- The company should only require personal information that's necessary to
complete the purchase: You will probably enter your credit card number,
address, and telephone number. Be wary if they ask for other information such
as your PAN card, bank account numbers, license numbers or your mother's maiden
name.
-- The website should use secure technology. When you get to the screen where
you enter your credit card number or other personal information, make sure that
the Web address begins with https and check to see if a tiny locked padlock
appears at the bottom right of the screen.
-- In your internet explorer there is another layer of protection with sites
that use Extended Validation (EV) SSL Certificates. The address bar should turn
green to alert you that there is more information available about the website.
The identity of the website owner is also displayed on the address bar.
-- An EV SSL certificate not only helps ensures that the communication with a
website is secure, but also includes information about the owner of the
website, which has been identified by the Certification Authority (CA) issuing
the SSL Certificate. Update your Internet Explorer regularly
Internet Explorer includes improved security features that make it easier to
see which sites provide more secure data exchange, so you can shop and bank
online with confidence.
Hence, it is important to that it keep updating it regularly. You can download
Internet Explorer 8 which also has a protection from malware and phishing. The
anti-malware protection works by presenting you with a warning or blocking
screen when you visit a malicious site or attempt to download a malicious
programme.
It is also important to keep all the other software on your PC up to date --
use Microsoft Update to install all critical and optional updates, and make
sure your browser add-ons and other applications are current. You should also
install a current anti-virus product and keep its signatures up to date.
Pay attention to security warnings from your firewall and anti-virus software
and make sure your firewall is on and up to date. And, finally, make sure that
your Internet service provider has spam protection, so that less unwanted and
fraudulent email reaches your inbox.