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Shop Safely - How to Protect Yourself When Shopping Online

By: muky

Online shopping offers many benefits that you won't find shopping in a brick
and mortar store or by mail. The Internet is always open seven days a week and
24 hours a day. Internet-only deals and bargains can be numerous online.
Shopping on the Internet is no less safe than shopping in a store or by mail.
Keep the following tips in mind to help ensure that your online shopping
experience is a safe one.

1. While Online Order Only On A Secure Server.

Use a secure browser and shop only at websites that offer encryption protection.
A protected website will have one or more of these three features:

a) The small lock or key symbol at the bottom of your browser window;

b) An address that starts with https instead of just http;
and

c) A security warning box that pops up at the point of purchase.

Your browser should comply with industry security standards, such as Secure
Sockets Layer (SSL). These standards scramble the purchase information you send
over the Internet, helping to secure your transaction.

2. Pay The Safest Way.

Use a credit card or Debit Card with a safe online shopping guarantee. Look for
a card with specific guarantees, like 100% coverage for any losses due to fraud
when shopping on the Internet. Many companies offer an online shopping guarantee
that ensures you will not be held responsible for any unauthorized charges made
online, and some cards may provide additional warranty, return and/or purchase
protection benefits.

3. Protect Your Privacy.

Look for and read a website's privacy and security policy. Stay clear of a
website that either doesn't have one or does not guarantee your personal
information will not be sold. This policy should disclose what information is
being collected on the Web site and how that information is being used.

4. Know Who You're Dealing With.

Research your merchant. Look at the ratings consumers give them and stay clear
of websites that either aren't listed or receive poor marks. Shop with companies
you know. Anyone can set up shop online under almost any name. If you're not
familiar with a merchant, ask for a paper catalogue or brochure to get a better
idea of their merchandise and services. Also, determine the company's refund and
return policies before you place your order. These should be posted on the
company's Web site.

5. Keep A Record.

Print out a copy of your order and confirmation number for your records.
Reputable merchants will usually send you an email confirming your order.
However a hard copy is always good to have in case your order is lost, deleted
or not delivered as promised.

6. Guard Your Online Password.

Keep your password(s) private. Be creative when you establish a password, and
never share your website passwords with anyone. Write them down and store them
in a safe place. Avoid using a telephone number, birth date or a portion of your
Social Security number. Instead, use a combination of numbers, letters and
symbols. Do not use the same username and password at every website. Should your
personal information be compromised, a thief won't get very far if you use
different passwords and usernames on different websites.

7. Track Your Purchases.

Use only one credit card to shop with online. This helps keep track of your
online purchases during the holidays, and will make it easier to spot purchases
that are fraudulent. Look for a card that allows you to review transactions
online as well -- you'll be more likely to notice a problem early on.

8. Keep Personal Information Private.

Don't enter more information at a merchant website than is absolutely necessary.
There is usually no reason why you should have to supply information such as
birth dates or Social Security numbers when making a purchase. Fill in only the
bare essentials necessary to make your purchase. If you have children, teach
them to check with you before giving out personal - or family - information
online.

Article Source: http://www.articlebankonline.com

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