Is online shopping safe?

[Sadoun]

Shopping online offers lots of benefits that you won't find shopping in a store or by mail. For example, the Internet is always open - seven days a week, 24 hours a day. And, bargains can be numerous online. Shopping on the Internet is no less safe than shopping in a store or by mail. Keep the following tips in mind to help ensure that your online shopping experience is a safe one.

Use a secure browser.
This is the software you use to navigate the Internet. Your browser should comply with industry security standards, such as Secure Sockets Layer (SSL). These standards scramble the purchase information you send over the Internet, helping to secure your transaction. Most computers come with a browser installed. You also can download some browsers for free over the Internet.

Shop with companies you know.
Anyone can set up shop online under almost any name. If you're not familiar with a merchant, ask for a paper catalog or brochure to get a better idea of their merchandise and services. Also, determine the company's refund and return policies before you place your order. These should be posted on the company's Web site.

Keep your password(s) private.
Be creative when you establish a password, and never give it to anyone. Avoid using a telephone number, birth date, or a portion of your Social Security number. Instead, use a combination of numbers, letters, and symbols.

Pay by credit or charge card.
If you pay by credit or charge card online, your transaction will be protected by the Fair Credit Billing Act. Under this law, consumers have the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor is investigating them. In the event of unauthorized use of your credit or charge card, you are generally held liable only for the first $50 in charges. Some companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return and/or purchase protection benefits.

Keep a record.
Be sure to print a copy of your purchase order and confirmation number for your records. Also, you should know that the federal Mail/Telephone Order Merchandise Rule covers online orders. This means that unless states otherwise, merchandise must be delivered within 30 days; and if there are delays, the company must notify you.

Pay your bills online.
Some companies let you pay bills and check your account status online. Before you sign up for any service, evaluate how the company secures your financial and personal information. Many companies explain their security procedures on their Web site. If you don't see a security description, call or email the company and ask.


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Privacy on the Internet
Technology now provides companies with the ability to collect information about you and potentially give that information to others. While the Internet can serve as a tremendous resource for information, products and services, you should be sure to safeguard your privacy online by following these tips.

Keep your personal information private.
Don't disclose personal information--such as your address, telephone number, Social Security number or email address--unless you know who's collecting the information, why they're collecting it and how they'll use it. If you have children, teach them to check with you before giving out personal --or family-- information online.

Look for a company's online privacy policy.
Many companies with privacy practices post their privacy policy on their Web site. This policy should disclose what information is being collected on the Web site and how that information is being used. Before you provide a company with personal information, check its privacy policy. If you can't find a policy, send an email or written message to the Web site to ask about its policy and request that it be posted on the site.

Make choices.
Many companies give you a choice on their Web site as to whether and how your personal information is used. These companies allow you to decline--or "opt-out" of--having personal information, such as your email address, used for marketing purposes or shared with other companies. Look for this choice as part of the company's privacy policy.


Download printable PDF information sheet from here:
http://www.ftc.gov/bcp/conline/pubs/online/cybrsmrt.pdf



For More Information

This brochure was prepared by:
American Express Company. For information about its Customer Internet Privacy Statement--which provides a full description of Web site security, information collection and use, and how to decline email offers--visit www.americanexpress.com. The company offers a variety of tools to make online shopping safer, including it smart card, Blue from American Express, Private Payments and an Online Fraud Protection Guarantee.

Call For Action, Inc. (CFA). CFA is an international, non-profit network of consumer hotlines affiliated with local broadcast partners. The ABC's of Privacy can be accessed at www.callforaction.org. You also can contact Call For Action at 5272 River Road, Suite 300, Bethesda, Maryland, 20816; 301-657-8260.

The Consumer Information Center (CIC). CIC publishes the Consumer Information Catalog, which lists more than 200 publications from a variety of federal agencies. You can access the Catalog and the full-text of all its publications at www.pueblo.gsa.gov. You also can contact CIC for a free Catalog at: Consumer Information Catalog, Pueblo, CO 81009; 888-8-PUEBLO (that's 888-878-3256).

The Direct Marketing Association (The DMA). The DMA is a trade association of catalogers, financial services firms, publishers, book and music clubs, online service companies, and others involved in direct and database marketing. The DMA's Consumer Line acts as an intermediary between consumers and companies to resolve complaints. Contact The DMA's Consumer Line at 1111 19th Street, NW, Suite 1100, Washington, D.C. 20036, or by email at
consumer@the-dma.org. The DMA's Web site is www.the-dma.org.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.