Online shopping is a very convenient way to shop for almost
everything; from groceries to home ware and holidays - which is why cyber
security is more important than ever. It is tricky knowing which sites you can
trust and which sites you should avoid so here are some tips on how you can
stay safe and secure when shopping online.
1. Shop from Sites with SSL Encryption
A fool proof way to make sure that your safety is secured
online is to shop only from secure websites. SSL Encryption is secure sockets
layer and you should never use a site to pay for anything using your
credit/debit card unless it has SSL Encryption. The way to know this is the URL
of the site will look like this: ‘https’ rather than just ‘http’. A padlock
icon will also appear.
2. Avoid Public Wireless
If
you want to purchase using your phone never do it whilst you’re connected to a
public network. It is extremely easy for hackers to gather your details as many
of these hotspots don’t encrypt your data, meaning that anyone could see your
information. Most importantly avoid making purchases and logging into your
online banking app.
3. Use Credit Cards
If you have a credit card then use it to pay when you’re
buying from websites you’ve never shopped from before. Credit cards are usually
safer than debit cards as they fall under what’s called the ‘Consumer Credit
Directive’. This means your bank is jointly liable with your supplier so that
if the supplier doesn’t deliver it isn’t just your problem; it’s the bank’s
problem as well. You don’t get this with most debit cards so if you have the
choice, use your credit card - but remember to pay on time to avoid interest!
4. Keep a Record
Don’t forget to note down your purchases and check them
against your statements every month. Keep receipts, product descriptions, and
copies of all communication with the seller until you get your product and are
satisfied with the quality of it. Some places overcharge you so it is very
important for you to have enough evidence in case this happens to get your
money back.
Keeping safe online is not a difficult job if you are being
careful. When making a purchase you’re giving a lot of personal information so really
think about the consequences when agreeing to buy anything.