Who doesn’t like convenience?  Life is busy and difficult;  we all appreciate simplicity and shortcuts.  Online shopping allows people to buy things that they need (and want) without having to go to a store.  Items are delivered at the shopper’s doorstep, packaged neatly.

However, online shopping is not as simple and easy as it sounds.  Thousands of people fall prey to scams and hackers.  A small purchase can lead to identity theft and serious damage if the shopper is not careful.  Scam artists can make appealing and convincing websites that lure buyers into giving away valuable personal information.  To avoid losing your money or identity to online shopping scams, follow these guidelines.

1. Use Familiar Websites.  Almost everyone has heard of Amazon, Ebay, and Target.  These large companies invest in strict security to keep buyers safe.  Smaller websites may offer interesting products, but they may come with the price of less security.  Always research a new website before giving away your information.

2. Always Look for the SSL. The Secure Sockets Layer (SSL) is an encryption that keeps your information secure.  To see if a site has SSL, look for a green lock symbol or the word “secure” in the browser bar.  Depending on the browser you are using, this should be visible in the left corner next to the back/forward button.  Never purchase from a website that does not have SSL.

3. Protect Your Computer.  Install a good antivirus system to prevent websites from downloading malware onto your computer.  The overused phrase “better safe than sorry” is very relevant to computer usage.  Even if you think you know how to avoid scams and malware, it is better to spend a little money protecting your computer than to lose your identity.

4. Make Sure You’re Secure.  Never shop on a public computer or public Wi-Fi.  This will make it all to easy for people to see your information.  If you don’t log off, the computer may remember your information – leaving the next user with easy access to your account.

5. Don’t Give too Much Information.  There is no good reason you should give away your social security number and mother’s maiden name to buy a book online.  If a website wants too much information, it is likely a scam.  Be suspicious of websites that ask for unnecessary or very private information.

6. It Probably IS too good to be True. If you find a ridiculously good price or an item that sounds spectacular, you are likely looking at a scam.  Remember that businesses are looking to make a profit – if there is no way they are making money off a product, it is likely not as advertised.  Cheap products may be defective or come with expensive hidden fees.  If there is an advertisement for a product that sounds unrealistically good, you are likely to be disappointed by what you are really being sold.

 

Following a few precautions can keep you out of serious trouble with online buying.  Common sense and small adjustments can save you from losing large amounts of time and money from a stolen identity.