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by on April 20, 2020
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10 Tips For Safe Online Shopping


Consult this practical and simple guide anytime, anywhere.

10 Tips For Safe Online Shopping
Why do we buy online? The answer is simple: for convenience, because it may be easier to make a buying decision when we read reviews online or shop by comparison. Plus there are coupons and discounts.
 
Let's see the advantages:
  • Comfort: we can buy at any time and from home. Shipments are at home. In addition we avoid crowds, lines and the fact of having to look for parking.
  • Online Feedback: We check others' opinions before buying.
  • Shopping by comparison: we find the best products and prices.
  • Coupons and Discounts - Easily found on most commercial sites.

3 ways to attack from hackers
  • They are concentrated on vulnerable computers - They have no protection against viruses or other malicious software.
  • They create fraudulent sites and send messages that seem legitimate - Charities can also be used to cheat in this way, especially after a natural disaster or on holidays.
  • Interception of insecure transactions - If a merchant does not use encrypted messages, an attacker can intercept your information when transmitting it.

1. Use and maintain antivirus, firewall and anti-spyware software

  • Use antivirus software and a firewall to protect your computer against viruses and Trojan horses that can steal or modify the data on your own computer and will leave you vulnerable.
  • Install your antivirus to update automatically.
  • Use an anti-spyware program to scan your computer and remove hidden malicious software.

2. Keep your software updated

  • Install software and system updates so that attackers cannot take advantage of known problems or vulnerabilities.
  • Many operating systems offer automatic updates - if this option is available, you should enable it.

3. Make sure the site you visit is safe

       Before entering your personal and financial information and to carry out a financial transaction, look for signs that the site is safe.

  • A closed padlock in the address bar of your internet browser
  • A URL address that begins with https which indicates that the site is encrypted or secure.
  • Never use unsafe wireless networks to make an online purchase.

4. Learn how to use the Wi-Fi hotspots well

Only make purchases in public Wi-Fi areas that have security
  • Do not share personal or financial information on an insecure network (that is, a connection that does not require a password to access it).
  • Use well-known networks, even if they are free, like the ones they get at Starbucks or at Barnes & Noble stores provided by AT&T.

5. Protect your personal information

  • Make sure that the requested information is only necessary to complete the transaction. Remember that you only have to fill in the * required fields * in the purchase form of a merchant.
  • It's okay to leave the site or go to another merchant's site if you don't feel comfortable sharing all the required information.
  • Before providing personal or financial information, check the site's privacy protection policy to understand how your information will be used and stored.

6. Use secure payment options

Pay with credit card

  • The transaction will be protected by the Fair Credit Billing Law.
  • You can claim charges made on your card fraudulently.
  • Payment can be temporarily held while the creditor investigates the disputed charges.
  • Your liability is limited to $ 50 or less.
  • Some cards offer additional guarantees, changes and purchase protection benefits.

Use Paypal

  • Linked to your credit card: it provides you with the protection granted to credit card transactions.
  • Linked to a debit card: allows you to apply the protections of debit card transactions.
  • If you use your PayPal balance: you will get the protections that PayPal offers for these accounts.

7. stay alert

Print or save your online transaction logs

  • Including product description, price, online receipt, terms of sale, and copies of email exchanges with seller.

Check your account statements

  • Go online regularly over the holidays and check your electronic credit card, debit card, and checking account statements.
  • If you notice something wrong, call your bank or the issuer to deal with the matter quickly.
  • In the case of credit cards, pay the bill only once you make sure that all your charges are correct.
  • You have 30 days to notify the bank or the card issuer of the problem; after that date you may be responsible for the charges.

8. If you have doubts, discard it

Think before you act, it may be a fraudulent message
  • Be suspicious of communications that offer incredible deals that sound too good to be true or pressure you to make a decision right away - even those related to a problem with an order or payment.
  • Do not provide confidential information by email.
  • Be cautious when clicking on links that come in email messages.

9. Take advantage of security features

Use strong passwords

  • Use a combination of UPPER and lower case letters, symbols and numbers.
  • Avoid using personal information.
  • Be unique, do not repeat −Never use your last name or the names of your pets, your favorite color, as passwords−.
  • Keep passwords private - Avoid sharing your passwords by email or on the phone.
 

What happens if your credit card is used fraudulently?

  • Notify your credit card company immediately to cancel your credit card and get a new one.

How to report online shopping fraud.

If you have problems during a transaction, try to resolve them directly with the seller, buyer or operator of the site.

If that doesn't work, file a complaint with the:

  • Federal Trade Commission at www.ftc.gov/complaint .
  • Your state attorney general, using the contact information at naag.org .
  • Better Business Bureau at www.bbb.org.
  • Your county or state's consumer protection agency at Consumeraction.gov .
Report financial or identity theft and other cyber crimes to the Internet Crime Complaint Center at www.ic3.gov or appropriate local authorities or the state attorney general, as appropriate.
Posted in: Internet, Shopping
Topics: online shopping, safe tips
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