As web-based retail sales continue to grow, Craig Siminski, of CMS Retirement Income Planning, shares these tips that may help ensure a safer online shopping experience:
Shopping online is especially popular during the holiday season, when many people prefer to avoid the crowds and purchase and ship gifts with a few clicks of the mouse. Before you click, you might consider these tips, which could help make your online shopping experience safer and more satisfying.
Look for https:// in the URL and an icon of a locked padlock, typically to the left of the URL, which indicate a secure connection. Don’t provide personal or financial information when connected to a public Wi-Fi hotspot unless you are certain it is secure. If you must use public Wi-Fi, use a virtual private network (VPN).
Protect Your Identity:
Create a strong password if you order through an account. Only provide information that is required for your order. Opt out of future contacts unless you want further information.
Use a Credit Card, Not a Debit Card:
Credit-card payments can be withheld if there is a dispute, but debit cards are typically debited quickly. Credit cards generally have better protection than debit cards against fraudulent charges.
Know the Vendor:
Ordering online from well-known retailers is generally safer (although even large vendors can be hacked). If you want to order from an unknown vendor, read online reviews from other consumers and check out the company with the Better Business Bureau. Regardless of the vendor, be sure you …
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Craig Siminski is a CERTIFIED FINANCIAL PLANNER™ professional, with more than 21 years of experience. His goal is to provide families, business owners, and their employees with assistance in building their financial freedom.
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