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Online Shopping Tips

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When shopping online, it's important you take precautions to avoid unauthorised access to your personal and banking information.

Tips for a secure shopping experience

  • Always use web browser protection, install and run security software with real-time live updates and update your operating system to ensure you are protected from vulnerabilities.
  • Be sure to read the website's refund and returns policies, privacy policy and legal notices in case you need to return the goods or encounter any issues.
  • Make sure the site you are shopping on is secure and using encryption and is up front about where and how your details are stored. Keep in mind a secure website address will begin with 'https://' and display an image of a closed padlock (usually in the bottom right corner of your browser window).
  • Be aware of the full cost of your purchase - additional costs can include currency conversion, taxes, postage and delivery fees and packaging.
  • Never give a date of birth or other personal identifiers. Never give out too many details as the more details provided the greater the risk of identity fraud happening. Online retailers only ever require basic contact details (e.g. name, billing address and contact number) and card details in order to process a credit/debit card payment.
  • Always keep records of the transaction, including the product description, price and the receipt of payment.
  • If you purchase goods online from overseas ensure it is a reputable trader, uses encryption technology and can be contactable if problems arise.
  • Keep in mind most online auction sites offer a dispute resolution process for buyers and sellers - this should be your first step to resolve a dispute if you did not receive the items you bought or you received items that were significantly different from their description.
  • Check your debit and credit card statements regularly and ensure you refer immediately any unauthorised activity to your financial institution.
  • Do not click on links in emails from online retailers or online greeting cards as they can be spam - instead, go to the official website and navigate to the content you're after from there.

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