Cybershopping
Protecting Yourself When Buying Online
With a few key strokes and the click of a mouse you can shop at home from
your computer. Sounds great, right? No traffic. No parking problems. No
lines or crowds. No hassles with the weather.
Online shopping can give new meaning to convenience and choice. But before
you visit your favorite boutique on the net, take care to make your
cybershopping experience a safe one.
Think security, starting with your connection - the way your computer
connects through telephone wires to contact the Internet - and your
browser - the software that acts like a telephone to receive information
on the Internet.
Unsecured information sent over the Internet can be intercepted. That's
why you should consider a secure browser, which will encrypt or scramble
purchase information.
Many Internet sites are set up to prevent unauthorized people from seeing the information that is sent to or from those sites. These are called secure sites. Because Internet Explorer supports the security protocols used by secure sites, you can send information to a secure site with confidence.
When you visit a secure Web site, it automatically sends you its certificate (guarantee of security), and Internet Explorer will display a lock icon on bottom right of the status bar.
If you are about to send information (such as your credit-card number) to an unsecure site, Internet Explorer can warn you that the site is not secure. If the site claims to be secure but its security credentials are suspect, Internet Explorer can warn you that the site might be unsecure.
Some secure sites require a higher level of connection security than what you might have installed on your computer (web banking). In the United States or Canada, you can upgrade your version of Internet Explorer to a 128-bit secure connection support, however due to legal restrictions this software is not available worldwide.
If you don't have encryption software to assure the security of your
transaction, consider calling the company's 800 number, faxing your
order, or paying by check or money order. Try to shop with companies you know. If you'd like to try a new merchant, ask for
a paper catalog or brochure to get a better idea of their merchandise and
services. Determine the company's refund policies before you place an
order.
Never give out your Internet password. Be original when creating your password(s). Consider using a combination of numbers, letters, and symbols, or use a phrase to remember it. For example:UR2G$48* - "Your are to give money for eight stars."
Avoid using established numbers for your password, such as your house
number, birth date, or a portion of your telephone or Social Security
numbers. It's a good idea to use different passwords to access specific
areas on the Internet, such as the World Wide Web.
Be cautious if you're asked to supply personal information, such as your
Social Security number, to conduct a transaction. It's rarely necessary
and should raise a red flag. The Internet provides a valuable information
service for consumers. But some con artists who have previously used telemarketing,
infomercials, newspapers, magazines, and the mail to attract consumers are now
turning to the Internet and online services to promotes their scams.
Pay close attention to the information you're entering when you place an
order. For example, an additional keystroke could get you 10 shirts when
you wanted only one. Check to make sure the shipping charge is acceptable
to you and all charges are calculated correctly.
The same laws that protect you when you shop by phone or mail apply wen
you shop in cyberspace: Under the law, a company should ship your order
within the time stated in its ads. If no time is promised, the company
should ship your order within 30 days after receiving it, or give you an
"option notice." This notice gives you the choice of agreeing to the delay
or canceling your order and receiving a prompt refund.
There is one exception to the 30-day rule. If a company doesn't promise a
shipping time, and you are applying for credit to pay for your purchase,
the company has 50 days after receiving you order to ship.
Should you decide to pay by credit or charge card, your transaction will
be protected by the Fair Credit Billing Act. Some cards may provide
additional warranty or purchase protection benefits. If you're not
comfortable entering your credit or charge card account number, call it
into the company's 800 number, or fax it.
Print out a copy of your order and confirmation number for your records.
The Fair Credit Billing Act
Whether you're buying online, by phone, mail, or in person at a store,
using your credit or charge card to pay offers some protections.
Errors:
If you find a billing error on your monthly credit or charge card
statement, you may dispute the charge and withhold payment in that amount
while the error is in dispute. The error might be a charge for the wrong
amount, for something you didn't accept, or for something that wasn't
delivered as agreed.
To dispute a charge:
Write to the creditor at the special address indicated on the monthly
statement for "billing inquiries." Include your name, address, and credit
or charge card number, and describe the billing error.
Send your letter as soon as possible. It must reach the creditor within 60
days after the first bill containing the error was mailed to you.
The creditor must acknowledge your complaint in writing within 30 days of
receiving it, unless the problem has already been resolved. The creditor
must resolve the dispute within two complete billing cycles - but not more
than 90 days - after receiving your letters.
Unauthorized Charges
If your credit or charge card is used without your authorization, you can
be held liable for up to $50 per account. If you report the loss of your
card before it is used, you are not liable for any unauthorized charges.
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