Online Shopping: Safe and Secure

Not only has the Internet opened up new ways to communicate and educate, it offers new conveniences. One of the biggest conveniences is online shopping.

Still, some people had to warm up to the idea before they felt comfortable enough to make their first-time online purchases. Others remain too afraid to make any kind of online transaction. Their attitude is understandable. News reports about bad experiences have fueled their paranoia.

However, purchasing products online poses no greater risk than purchasing goods with a credit card in your neighborhood store.

In fact, major credit card companies such as American Express, MasterCard, and Visa offer useful advice on how to shop on the Web. Your online shopping experience can be a rewarding one if you follow the tips listed below. Once you see how secure and convenient it can be, your shopping habits may be forever changed.

• Use a secure browser. A secure browser complies with industry security standards that scramble the purchase information you send over the Internet.  If you don't know how to tell if you're browser is secure, ask someone you trust.
• Never reveal your passwords. Legitimate companies will never ask for your password.
• Don't reveal sensitive, personal information. If a "retailer" asks you for too many personal details -- e.g., bank account information, social security number, etc. -- be suspicious. The only thing you need to provide is your credit card number and your mailing address for delivery.
• Pay by credit or charge card. This protects your transaction with the Fair Credit Billing Act, which gives you the right to dispute charges under certain circumstances and to temporarily withhold payment while a creditor investigates.
• Keep records. Print and save a copy of your purchase order and confirmation number for your records.
• Make sure the company can be contacted. If a problem arises, you want to be able to call or write the company. Better yet, deal only with well-known manufacturers and vendors. You're less likely to have a problem purchasing a set a Craftsmen Tools from Sears than from "Shemp's Online Tool Shop."
• Determine the company's physical location. If you absolutely have to shop with an unknown company, then ask a company representative for the store's address and phone number. Then, before you make your purchase, check the information with the Better Business Bureau
• Never send personal details by e-mail. E-mails aren't secure, so your information could be stolen.