Online Shopping: 10 Tips For Safe Online Shopping

by : I-key Benney, Ceo



Benefits on Online Shopping

  • You can buy anything at anytime
  • It is available 24 hours
  • You can shop from the convenience of your home.
  • You can avoid traffic and crowded malls.
  • Yoou can locate hard-to-find items not available in your local stores.
  • You do not have to carry what you buy. It gets delivered to your door step. 

Companies Like You to Shop Online too
Most online stores and companies provide excellent values and discount prices because they do not have to pay the overhead of owning a physical business that will cost them insurance, employee pay, taxes and more.

  • VeriSign, Inc. says that online sales recorded during the prime holidays shopping season was about $2.2 billion dollars.
  • According to a study by Forrester Research Company, by 2017, online sales will reach $1 Trillion dollars.

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What Are People Buying Online?

  • The range of products they buy are many. From software, hardware, electronics, digital products, music, toys, e-books, books, groceries, programs, DVD, flowers, pets, jewelry, clothes, air tickets, insurance, cars, prescription drugs, comic books, games, gifts and more. 

10 Tips  For Safe Online Shopping
However many people have also been cheated online. Here are a few tips to help you do your online shopping safely.

  • 1)  Shop at the websites of companies that you know and are popular offline. 
    If you’re not sure of the company, request their catalog or brochure first. Be sure they have a physical address and phone, as well as an e-mail address. Call them and speak to a human being first. Check with the yellow pages and the Better Business Bureaus to be sure the company is legitimate. Read all the fine print and the refund policy before you place an order.
  • 2) Keep a record of all your purchases.
    Most people are by nature disorganized and unable to keep records. Learn to keep records of all your online purchases. This will help you keep track of your spending and shopping.

    Print all receipts or save them on your computer in a folder named “receipts”. This will help you locate orders that you placed but were never delivered. The more organized you are the less negative online shopping experience you’ll have.
  • 3) Keep all your important personal information safe.
    Don’t give them to strangers who may call you over the phone or request them by e-mail.Personal information includes: your address, e-mail address, phone number, social security number, drivers license, age, information about your family. Don’t give them to any stranger and, also, teach your children not to do so.
  • 4) Keep your passwords private.
    When creating a password, avoid using phone numbers, birth dates or social security numbers. Be creative. Use a password that is not easy for others to guess, and yet not easy for you to forget. Change your passwords often. Use phrases to help you remember them. Don’t disclose passwords to anyone. 
  • 5) Use a credit (but never debit) card to make your payment.
    Keep all credit card payment receipts. Check your credit card account statements to spot any unauthorized charges. When you buy certain goods and services from some companies, sometimes they will keep billing you thereafter. So scrutinize your statements. If you see a charge you’re not sure of, call the billing merchant and check it out. Keep your credit cards secure.

    Avoid making a payment using your credit card on a public computer. Report any lost credit cards immediately and have them cancelled. Don’t give anyone that you don’t know your credit card number.

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  • 6) Read the return policy before placing an order.
    Be sure that you read and understand the return policy and warranty.
  • 7) Read and understand the company’s privacy statement (or policy). 
    A privacy statement tells you how and why a business is collecting your information, and how that information may be used. You may find the company’s privacy statement (or policy) at the very bottom of the home page or inside their 'Terms & Conditions' or 'Terms of Service' (TOS).
  • 8) Use a secure browser and server.
    Be sure whatever browser you’re using complies with the industry’s security standards, such as secure sockets layer (SSL). This security protocol scrambles or encrypts the personal information you send over the Internet to ensure your transaction is secured.

    How do you know if the server is secure where you’re making a payment?If a Web site is using secure technology, its Web address begins with https and a tiny locked padlock appears at the bottom right corner of the screen. 
  • (9) Compare prices before buying. 
    Go to a few online stores and compare prices. Look for hidden costs such as shipping and handling.
  • 10) Make sure your iBanking device is used when making payment online.
    Banks are providing payment security through the distribution of the iBanking dongle or sms authentication. It generates an unique 6 digit code whenever you wish to make a payment transaction online. Coupled with a code sent to your mobile phone, and your usual ATM pin, rest assured that your funds are well protected.

Be a smart and savvy online shopper.
Shop wisely and safely.