10 Tips For Safe Online Shopping

Photo by garethjmsaunders

Shopping online is convenient and can be cheaper than shopping retail. But do you know your rights when buying on the Internet? A recent survey revealed consumers don't know their rights and regulations and  thus take big privacy and security risks.

To help ensure your safety when shopping online, we offer the following 10 tips.

1. Know the company: Does the company provide information about its background and ownership? Are details about each product posted? Is there information about your rights and security? Investigate further if you can't find a contact address on their web site.

2. Cooling-off rights: There  should be a cooling-off period for most goods and services purchased online. Usually extending for seven days after you receive the purchase, a cooling-off period entitles you to a full refund if there is a problem or you are unhappy with the purchase. If details are not provided, the cancellation period can last for up to three months.

3. Security: Make sure the payment page is encrypted so your financial information can't be hacked. The company should indicate encryption is provided before you enter your bank account data, credit card number, etc.

4. Shipping costs: All too often, delivery charges aren't added until the end of the transaction. This can greatly increase the price of your purchase. Because you've already filled out all the required forms, the company hopes you'll simply go ahead with the purchase. Make sure you examine the final cost before clicking approval.

5. Free delivery: Because competition has increased in recent years, many retailers now offer free delivery if you purchase over a certain amount. Comparison shop and visit Freeshipping.org for offers.

6. Read the small print: Most retailers require you check a box to indicate agreement with their "Terms and Conditions." Always scan this information before checking the box to find any additional charges, obligation to cover return costs or agreements to receive newsletters or junk mail.

7. Credit and debit card protection: You should automatically receive protection against fraudulent use of your credit or debit card from the card provider. Some require you report such charges within a set period of time so be aware of these regulations and keep a close eye on your account. 

8. Delivery time: The supplier must deliver the goods within no more than 30 days after you place the order. If not, the company must return your money, offer another delivery date or provide you with an alternate product.

9. Defective goods: You have the same rights when buying online as in a brick-and-mortar store. If you receive a product different from that described online or of poor quality, the supplier is required to repair or replace the product within a reasonable period without charging you extra or causing significant inconvenience to the buyer. You have the right to request a refund if the item can't be replaced or repaired.

10. Auction sites: When buying from such online auction sites as eBay, uBid and Bidz.com you're buying from an individual, not the web site. There are risks as your consumer rights are greatly diminished when purchasing from an individual. Check out the seller's rating and the feedback from previous buyers. Ratings should be based on more than a few interactions. eBay offers an excellent tutorial on safe buying.