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Cyber Monday: Avoid Getting Scammed While Shopping Online

Do you know the best practices for avoiding scams and fraud while shopping online?

 

The holiday shopping season is here - and not just in stores.

In this day and age, online shopping is commonplace. Some do it to avoid fighting traffic and crowds at shopping centers, others are pros at taking advantage of the best comparison shopping and online deals.

Now that Black Friday is behind us, it's time to ready our pocketbooks for Cyber Monday tomorrow, Nov. 26.

However, it's not just the online retailers who are readying themselves for Cyber Monday - scammers are getting ready too.

The company IDentity Theft 911 offers these tips to help protect yourself from scams and fraud while shopping online this holiday season, and all year long.

  • Shop on secure sites. They’ll have “https” in the address bar and a yellow padlock logo to the right of the Web browser address bar. Double-click on the lock to see a digital certificate of the website. Review these certificates on unfamiliar sites.
  • Make sure you are entering correct URLs. Hackers often buy misspelled domains to trick people into entering personal information.
  • NEVER enter your Social Security number or passwords to e-mail and bank accounts as part of the buying process with online retailers.
  • Use a different password for each online retailer, personal e-mail account and banks account you have - that way, if a hacker cracks one password, he/she won’t have access to others.
  • Read reviews of a site before making any purchases from it. For example, Pricegrabber.com compares prices and users’ comments for retail websites, and Google Product Search, slickdeals.net and dealnews.com monitor retailers, site performance, possible issues and deals.
  • Never save personal information on an online retail website. Retailers will offer convenience and better deals, but many customer databases are breached by identity thieves. It’s not worth the risk.
  • Read a website's return and privacy policies before making purchases. If there’s any doubt about fairness, find another site.
  • Be aware of phishing email scams that include website links advertising incredible deals. Don’t click on them - instead, type the link directly into your browser.
  • Use credit cards, not debit cards. Try to use credit cards with low limits to minimize the damage if a thief takes over the account. Or, use a “one-time” credit card number from a payment processor such as PayPal.
  • Never send payment information via regular e-mail. It’s not secure. Make sure all personal information transactions are done on a secure site.
  • Uncheck boxes advertising "additional offers." These services are sometimes offered for a low initial fee that later increases to a high, recurring charge on your credit card. Also, they’ll issue your contact information to spammers.
  • Make sure mobile phones used for shopping are secured. Back them up regularly and enable security features such as power-on passwords and inactivity time locks. Learn how to clear browser caches and, if available, enable data encryption and antivirus applications.
  • As always, install and update antivirus, antimalware and firewall software on your computer. Update its operating system and Internet browser with the latest security patches.

 

Which online deals do you plan to take advantage of on Cyber Monday this year? Tell us in the comments below.

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Pandora November 26, 2012 at 04:20 PM
Thanks for the article. We ALL need to be more proactive about our personal account security. In this day and age we need to take responsibility of our info. If you don’t trust the site don’t use it. . But one thing that can’t be stressed enough is taking advantage of the 2FA (2-Factor Authentication). Although it’s been around for a while, not enough sites are offering and promoting this option. And the even sadder fact is there are millions of people who are not taking advantage of this awesome functionality that is being offered to them by several sites. I really hope people and companies wake-up to the need to kick this complacent attitude about authentication and passwords. Take advantage of the 2FA which allows us to telesign into our accounts. I know some will claim this make things more complicated, but the slight inconvenience each time you log in is worth the confidence of knowing your info is secure. This should be a prerequisite to any system that wants to promote itself as being secure.

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