10 Simple ways to Avoid Online Shopping Scams
Online
shopping is growing more and more popular these days. The added convenience of shopping from the
comfort on your own home in front of your pc is proving to be a major
draw. The increasing community of online
shoppers and enthusiasts is proof that online shopping is a thriving business.
Sadly,
like any community, there are also a couple of bad seeds out there. A number of fly-by-night online shopping sites
are sprouting ever so fast. They seek to
rob us of our hard-earned cash and are just waiting, patiently waiting for that
next victim to come along.
So how do
we protect ourselves against these goons?
How do we ensure that the online site we are visiting is legit? How do we protect ourselves from fraud? Below are 10 simple ways we can avoid being a
victim of online shopping scams:
- Look for the latest credit card password procedures,
such as Verified by Visa.
In the last year, each major credit card issuer has come up with a secure system online that involves use of a password known only to the credit card owner. This presents to you the highest form of online security possible when shopping, and so you should look for sites that support these new standards.
2. Check the return/refund, warranty, guarantee and other policies.
Take the time to ensure that you are dealing with a reputable, reliable merchant that will offer you the same shopping peace-of-mind that you would get elsewhere. If the online merchant doesn't post sufficient information to provide you a degree of comfort about such policies, consider taking your business elsewhere.
3. Make sure that the checkout process is secure
Always make sure that you are using a site that provides full "encryption" over the credit card transaction, which helps to ensure that your credit card information can't be accessed while it is in transit. You can determine this by looking for a small "padlock" at the bottom of your browser screen, or by a message indicating that you are entering a secure site.
4. Look for privacy and security policies
A company that is very conscious about security issues will most often post some information online for you to read. Take the time to look for the security and privacy policies that the online store might have posted and read them, since this will give you more comfort that you are shopping with a site that will carefully guard your credit card and personal information.
5. If concerned, do due diligence
If you are dealing with an online store, but are unsure whether they are reliable and credible, do a search for them on the Internet, to see if other consumers have expressed concern or have had positive or negative experiences.
6. Understand the "safe-shopping" policies established by the issuer of your credit card
Take the time to understand the guarantees that your card-issuer offers with respect to shopping online. You will likely find that even if you are subjected to an online fraud, you will not be liable for any loss greater than $50, which should put your mind to rest.
7. Shop around
Often what might seem to you to be a bargain might not be, once you factor in other costs, or if you don't consider that there might be other online stores offering the same product or service at a lower cost. Take the time to look at alternatives.
8. Beware of hidden shipping, duty and other costs
Many of those who shop online are surprised by the hidden charges that were not well-documented on the site. Make sure you understand all the potential charges before committing to a purchase, and if something seems unclear -- ask! Look for sites that clearly post such charges as part of the checkout process, or post the information elsewhere on their site.
9. Keep receipts and other documentation
Make sure you print out a copy of the receipt once you've finished the purchase. In addition, if the online store offers to send you a copy of the receipt by e-mail, take advantage of this option.
10. Treat your cash and or credit card like a friend
Be vigilant. A friend looks after his friend, so look after your finances as you would look after your best friend. Don’t get easily blinded by promises of unbelievable discounts and free shipment.
The main thing about
online shopping safety is that it should solely and always be our own
priority. We should exercise extreme
caution when going through each and every transaction. Vigilance is the key.
So the next time you
find yourself looking for a legit and reputable online site for your medical,
healthcare consumable item needs, consider going to Livshop.
Livshop is Australia
Excerpts of this blog post can be found here.
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