How To Shop Online Safely: 9 Top Tips

Wednesday, November 30, 2011

--Guest Post By Andrea Woroch

Shop Online Safely - Cybersecurity
Americans are in love with both shopping and mobile devices, so naturally technology has helped us combine the two. According to a study by IBM Coremetrics, about 15 percent of American consumers who log into e-retail websites this month will do so using a smartphone, iPad, or other mobile device.

But that's just on the wireless end. IBM also found the number of consumers shopping online in November will increase 15 percent over the same time last year.

All that clicking and shipping means thieves will have more opportunities to steal your identity and your money. Fortunately, playing it safe isn't that difficult. Browse these nine tips to help you shop online without fear.

1. Opt for More Secure Payment Option
Federal law allows you to dispute credit card charges and unauthorized use. Many credit card issuers also offer "zero liability," which means you pay nothing if someone steals your information and uses it. As with credit cards, PayPal provides purchase protection in the form of $0 liability for unauthorized purchases. They also offer refunds for incorrect orders or items that never arrive and a process for resolving problems.

2. Use Security Software
Even if you don't shop or bank online, you should have security software installed on your computer. The big names in this area include Norton and McAfee, but there's also plenty of good shareware available. (See this cnet article for suggestions.) Make sure this software includes firewall, anti-virus and anti-spyware capabilities.

3. Review All the Details
Did you use a coupon code? Then look to see if the savings was deducted at checkout. Same goes for free delivery. If you're a free shipping hound, like many of us these days, wait until Free Shipping Day on Dec. 16 to make your purchases. This one-day event allows you to shop from more than 2,000 merchants with free shipping and delivery by Christmas Eve.

4. Avoid Shopping on Public Networks
Encryption is often out of your control when shopping via public networks, such as those found at coffee houses, airports, libraries, etc. While it's safe to browse stores and bookmark items you want to buy, non-techie users will want to avoid supplying credit card info, passwords and other personal details. Casual hackers and identity thieves haunt public networks while others create non-password-protected networks that allow them to steal your pertinent information. In short, your best bet is to shop on a secure network.

5. Look for the "S"
Once you reach the payment portion of a website, the url address should change from "http" to "https," indicating your purchase is encrypted or secured. Most merchants also display shields from such security companies as VeriSign, GeoTrust, Comodo and Entrust.

6. Research Sellers
Auction sites such as eBay allow buyers to rate sellers based on their dependability and quality of service. Look for high ratings and read through the attached comments before you buy. The same goes with Amazon marketplace sellers.

7. Hide Your Identity
Did you ever visit an e-retailer a second time and find the site remembers you in eerie ways? That's because their server used a cookie to identify you. Avoid cookies by using such services as to hide your identity or to create a temporary email address that lasts just 60 minutes. One hour is plenty of time to shop, checkout, and receive your confirmation email.

8. Use a Unique Password
It's hard to remember different passwords for each site, but you'll have less chance of identity theft if you switch it up. Don't use obvious information, like your address, phone number, birth date, initials or even your dog's name. Instead, choose a string of eight to 10 random numbers and letters for the highest security.

9. Fake Invoices
Some cyber criminals send fake invoices and delivery notifications that look like they were sent from a merchant or transport service. These are easy to spot as the email will request your billing information or require you open an attachment to view an invoice.

Andrea Worock
Guest poster Andrea Woroch is a consumer and money-saving expert for Kinoli Inc. Her goal is to teach consumers how to live on less without radically changing their lifestyles. Andrea has appeared on The Today Show, ABC News NOW, NBC Nightly News, FOX, MSNBC, CW and been quoted in, Kiplinger Personal Finance and many others.