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| Avoid
Fraud While Shopping Online This Season |
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Here are a few tips
to keep you, your computer and your finances protected while you shop
online this holiday season:
* Don't Give Out Personal Information
Online retailers should never ask for your social security number. Don't
give it to retailers—if someone requests it, contact the company.
* Protect Your Computer
You can protect yourself as you shop online simply by installing some
basic security programs on your computer including anti-spy-ware, anti-virus
and pop-up blocker programs. This software will keep your financial information
and passwords safe and out of the site of cyber thieves and hackers.
* Use a Credit Card
Credit cards are easy to use online-just enter the credit card name, number
and expiration date. There's another important reason to use a credit
card, if fraud occurs or you don't get the product that you purchased,
you can dispute the charges.
* Read the Fine Print
When you shop online, read the fine print carefully so there are no surprises.
Make sure you're aware of shipping charges, delivery time, cancellation
and return policies, as well as the seller's privacy policy.
* Don't Respond to
Unsolicited eMail
Never buy things or confirm your billing information through an unsolicited
email, especially if you don't recognize the source. Legitimate online
retailers will never ask for your credit card number through an email.
If you receive an email of this type, contact the company immediately.
* Ensure the Connection
is Secure
When purchasing online, make sure your browser connection is secure. Look
at the site address, it should read https instead of http, indicating
a secure connection, and small lock should appear in the browser toolbar.
* Research Unknown
Retailers
If you're not familiar with the retailer, do some research before entrusting
them with your credit card. Make sure they have a phone number and a mailing
address. You may want to call them before making a purchase. You can also
research the company on TRUSTe, Verisign and BBBOnline (Better Business
Bureau).
* If it Appears Too
Good to be True, it Probably is
Use your intuition. If you come across a retailer that has a product priced
substantially lower than other retailers, or offers an online coupon that
gives an unbelievable discount, use caution. Website retailers have to
make their money somehow. Read their privacy policy, make sure they aren't
selling your personal information and take the extra steps to ensure the
company and products are valid.
With a few simple precautions, online shopping can save you time, money and keep you, your money and your information 100 percent safe. Visit our Member Security Center for more information on how to protect your identity, current scams or who to contact if it happens to you.