15 Tips to Shopping Online, Securely this Holiday

1. Make sure you have installed and updated antivirus, anti-malware and personal firewall software on your computer. Your operating system and Internet browser should be updated with the latest security
   patches.
   
2. Only shop on secure sites. To see if a Web site is secure, look for “https” in the address bar. Also, there’s usually a small yellow padlock logo at the right of your Web browser address bar. If you double-click on the lock, a digital certificate of the Web site will appear. It’s a good idea to review these certificates on the sites that you are not familiar with.
   
3. Make sure that you enter the correct URL. There are cases where hackers have purchased misspelled domains.
   
4. Shopping Web sites have no reason to ask for your Social Security number, or passwords to your e-mail or bank accounts as part of the buying process. Never provide them.
   
5. If you suspect a Web site is not what it claims, leave it immediately. Do not click any buttons on the site, run any content or download any software.
   
6. Use different “strong” passwords (those that are more secure) for online retailers and your personal e-mail accounts. A strong password is composed of numbers, upper- and lower-case letters and symbols. For example, a password like “3dogz$$!” is a better option than “1006.” The longer and more unique the password the better, but make sure it’s also something you can remember.
   
7. Before purchasing anything on a Web site, read site reviews or blog comments by other people. Use sites such as Pricegrabber.com or Froogle.com (Google shopping) for comparing prices and to read users’ reviews of the retail Web site.
   
8. Retailers may try to lure you into saving your personal information on their Web site in return for more convenience or better deals. Don’t do it. So
   many Web sites have had their customer databases breached by identity thieves lately that it’s just not worth the risk.
   
9. Read each Web site’s return and privacy policy before making your purchase.
   
10. Be aware of phishing e-mail scams that include Web site links advertising incredible deals. Rather than clicking on them, type the link of known sites by
    hand into your browser.
    
11. Use credit cards for online purchases, not debit cards. That’s because debit cards automatically deduct money from your bank account. Try to use cards with low credit limits to minimize the damage in case someone steals your information to take over the account. Or, use a “one-time” credit card number from payment processors such as PayPal.
    
12. Do not send your payment information via regular e-mail; these communications are not secure.
    
13. As a general rule, uncheck boxes advertising “additional offers.” These services are sometimes offered for a low initial fee that later increases to a
    high, recurring charge on your credit card.
    
14. Save records of all your purchases either in an electronic document or on paper.
    
15. Don’t forget to power off your computer completely
    when you are finished using it.