When shopping online there are several things you can do to add to your shopping safety. Being aware of technology scams, checking website policies and understanding your credit card rights, will go a long way in providing personal protection.

Some websites will provide cost comparisons, assisting you in finding the lowest price for your request. Be aware, there have been reports of a few sites “fixing” their technology and returning incorrect results.

Once you have decided where you want to make your purchase, go through that website and look for policies defining warranties, refunds, returns, legal statements and privacy policies.

Warranties, where provided, will tell you what is covered and for what time period. It will also tell you who to contact if you need a replacement, a refund or a repair.

Be sure to read the refund and return policy. Will the website provide a refund? Can the item be returned to a retail outlet? Will there be a restocking fee?

Legal statements posted on the website will determine where legal proceedings are to be held. Assuming you are shopping in the United States, you may have to travel to pursue a complaint. If you are shopping outside of the United States, be sure to know who you are shopping with.

A privacy statement may surprise you. Read it carefully. Many companies feel free to sell your personal information or add you to multiple email lists. By using their website, you give them permission to hand out your email address and possibly your physical address and phone number.

Using a credit card online is relatively safe. All transactions are protected by the Fair Credit Billing Act. If your credit card is used without authorization you are generally only liable for the first $50, and sometimes less.

The Internet is also subject to the Federal Mail/Telephone Order Merchandise Rule which requires companies to ship your order within 30 days or notify you of the delay.

When you are making a purchase, try to limit the amount of personal information you give out. Never give out your passwords. And finally, be sure to keep a paper trail. Print out the seller’s contact information, a copy of your receipt, a page describing the item you ordered, and the email confirming the order.

Pay Safely

Paypal is a great payment method, as you don't have to give merchants any banking or credit card information. It's easy to set up an account, and most everyone accepts Paypal as a form of payment. You can even request a Paypal debit card, which can be used against your Paypal balance for both online retailers and actual physical stores. Never ever e-mail banking or credit card information.

Now that you have a few safe shopping tools in your belt, get going! Shopping online can be a time-saver, a money-saver, and just plain fun. Great deals are out there right now just waiting for you. Have fun and shop safe.

Being able to use your credit card online, or services like PayPal, makes purchasing items online very easy. Whether you are buying from an online store, ordering online from a delivery service or bidding at online auctions, you need to be careful about your personal and financial details. Online consumers can fall foul of all kinds of deceptions - from non-existent and shoddy goods to phishing attempts and identity theft.
Basic safety tips for online shopping and auctions

* Where possible, use a secure online payment service like PayPal or WorldPay.
* Use credit cards rather than debit cards.
* Don't keep your personal or financial information (including account passwords) on your computer. Use removable storage (like a USB stick).
* Don't give out personal or financial information to vendors over the phone, through the mail, or online unless you are absolutely certain that your contact is legitimate.
* Try to make all of your online transactions with one credit card, if you have more than one.
* Keep a record of what you pay for and always check your online purchases off against your statement[s].
* Always check the privacy policy of any Web site that requests personal details. If the Web site is requesting this type of information and does not have a privacy policy, it is not wise to submit your information.
* When submitting information online, make sure there is a "lock" icon on the browser's status bar (and that it is "locked").
* Keep your operating system, anti-virus, anti-spyware and firewall software up to date.
* Use anti-virus software and/or firewalls on every computer you own/use.

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Shopping online can be a lot easier than getting in your car, fighting traffic, finding a parking spot at the mall and fighting the crowds. Online shopping means you don't have to worry about your car being broken into in the mall parking lot, but you can get ripped off online, too. Here are a few tips to get great deals online safely.
Use a Secure Connection:

Reputable online merchants should always have a secure SSL or SET connection to keep your payment information safe. Check the address line in your browser window - you should see a small padlock icon and/or "https:// " before the address instead of "http://". If you do not see these, shop somewhere else.
Comparison Shop:

Like your mother always told you, don't jump on the first thing you see. Google the item that you are looking for - you'll find it for sale in countless places at widely varying prices. Check sites like Shopzilla.com and Pricegrabber.com, as they do some of the comparison shopping for you. Check eBay and Amazon as well. you can often find a gently used or refurbished item for a real steal.

Hi

When shopping online there are several things you can do to add to your shopping safety. Being aware of technology scams, checking website policies and understanding your credit card rights, will go a long way in providing personal protection.

Some websites will provide cost comparisons, assisting you in finding the lowest price for your request. Be aware, there have been reports of a few sites “fixing” their technology and returning incorrect results.

Once you have decided where you want to make your purchase, go through that website and look for policies defining warranties, refunds, returns, legal statements and privacy policies.

Warranties, where provided, will tell you what is covered and for what time period. It will also tell you who to contact if you need a replacement, a refund or a repair.

Be sure to read the refund and return policy. Will the website provide a refund? Can the item be returned to a retail outlet? Will there be a restocking fee?

Legal statements posted on the website will determine where legal proceedings are to be held. Assuming you are shopping in the United States, you may have to travel to pursue a complaint. If you are shopping outside of the United States, be sure to know who you are shopping with.

A privacy statement may surprise you. Read it carefully. Many companies feel free to sell your personal information or add you to multiple email lists. By using their website, you give them permission to hand out your email address and possibly your physical address and phone number.

Using a credit card online is relatively safe. All transactions are protected by the Fair Credit Billing Act. If your credit card is used without authorization you are generally only liable for the first $50, and sometimes less.

The Internet is also subject to the Federal Mail/Telephone Order Merchandise Rule which requires companies to ship your order within 30 days or notify you of the delay.

When you are making a purchase, try to limit the amount of personal information you give out. Never give out your passwords. And finally, be sure to keep a paper trail. Print out the seller’s contact information, a copy of your receipt, a page describing the item you ordered, and the email confirming the order.

Thanks

Hello

When shopping online there are several things you can do to add to your shopping safety. Being aware of technology scams, checking website policies and understanding your credit card rights, will go a long way in providing personal protection.

Some websites will provide cost comparisons, assisting you in finding the lowest price for your request. Be aware, there have been reports of a few sites “fixing” their technology and returning incorrect results.

Once you have decided where you want to make your purchase, go through that website and look for policies defining warranties, refunds, returns, legal statements and privacy policies.
Thanks to

Hi

Check Out E-store Return Policies : Sometimes thing arrive in the mail broken. Sometimes items don't fit like you thought they would. Maybe the item is just not what you expected to receive. Ask yourself - and the retailer - Are returns accepted? Are refunds given? Who pays for return shipping? Is there a time limit for returns? These policies should be clearly stated in the checkout. If they are not, let the buyer beware.

Pay Safely : PayPal is a great payment method, as you don't have to give merchants any banking or credit card information. It's easy to set up an account, and most everyone accepts PayPal as a form of payment. You can even request a PayPal debit card, which can be used against your PayPal balance for both online retailers and actual physical stores. Never ever e-mail banking or credit card information.

Thanks

Hi

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Recognize spam! Indicators that an email is spam include senders whose names you don't recognize, typos and misspellings in the subject line, and prices that seem "too good to be true."

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Use a spam filter. Options can be found via a simple Web search. If you receive commercial spam at your work email address, ask the person in charge of computer systems which filtering options are available to you.

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Don't reply. Even if a spam email instructs you to reply if you want to "unsubscribe," it could be a trap. By replying, you may only be verifying for that spammer that your address is active.

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Don't post. Avoid posting your email address on public sites where spammers can find it.

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Check out the dealer. If you receive an unsolicited email offering software and the online dealer seeking to sell you the software isn't listed on that software manufacturer's Web site, then beware.

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Do your homework. When buying products through a Web or online auction site, look for a feedback section on the site to review comments on the seller based on previous transactions. Look for a trust mark from a reputable organization such as the Better Business Bureau (BBB).

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