Thursday, 17 November 2016

How to do online shopping safely?


 Ensure that you know the identity, location and contact details of the online retailer. There are online companies whose brand name is recognizable, such as Amazon.com. Additionally, many real life stores now include an online retailing arm as part of their retail services and you already know their reputations
Find out more about a company's reputation. After looking for these signs of identification, it is a good idea to ensure that the company has a good online reputation. Do not assume that just because a store in the real world sells things one way that their online service will be as good. There might be a risk of lacking service back up or returns policies etc. for online purchases that do not exist if you buy direct in the store. Reputation can be checked via searches of the internet for comments from others on consumer review sites. Many reputable online companies allow people to rate their service and products on the site itself, for example computer and camera stores. You can read these reviews for yourself to decide. 


Keep your PC, Mac or mobile device up to date

This means regularly checking for updates to your operating system, as well as ensuring apps and browsers are also kept up to date with the latest version. Running regular antivirus and malware scans is recommended to help avoid compromising your personal details to tools such as keyloggers.
Also, get into the habit of using strong, unique passwords for each online store you buy from. If you haven't changed your password for an existing account in some time, do it now.
Find out about billing, guarantees and delivery before you buy. Always look for the additional costs and payment details before sending credit card details. Look for:
  • Packaging costs - these should be evident up front
  • Delivery costs - these should be evident up front
  • Whether you will be billed before or after delivery of the products
  • Whether you can track the item from the moment of purchase to arrival at your door - this will help alert you of any hiccups in the delivery
  • Whether the product comes with a guarantee or warranty for defects etc.
  • How you can return the product if it doesn't work or meet your expectations - look for information on the site about cancellations, returns and refunds. Print off a copy for future reference.[1]
  • Who will bear the cost of returning the item (postage, fees etc.)
  • If there is a cooling off period for large price items
  • Remember that paying by credit card offers greater protection than with other methods in terms of fraud, guarantees and non-delivery.
  • Double check all details of your purchase before confirming payment.
  • Do not reply to unsolicited emails from companies you don’t recognise. 
  • Before entering payment card details on a website, ensure that the link is secure, in three ways:
    • There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself ... this will probably indicate a fraudulent site.
    • The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.