It’s Stay Smart Online Week. With online shopping being ever so popular it is important to be online savvy and protect yourself against potential cyber fraud.
Before you consider purchasing goods online it is important to have virus/malware protection installed on your device. There are a number of reputable computer security companies that provide programs to help you keep your computer or device secure. Their programs are designed to locate and remove viruses and malware.
It’s important to have protection on anything that connects to the Internet (computer, phone, and tablet) and to make sure that it is kept up-to-date, and that full scans are run regularly.
When you shop online, make sure that you trust the business you buy from. You may need to do some research on the company to help you decide if you want them to have any of your information.
Know what it is you are purchasing – does the description match the picture?
Sometimes terms and conditions can be lengthy, but you need to be sure that you understand them. When you proceed with a purchase, you are telling the merchant that you agree to their terms, conditions and costs, including any return or refund policies.
If you decide to go ahead with a payment, make sure that the payment page is secure. The URL (website address) for a payment page should start with https and have a locked padlock icon, usually located in the toolbar. If the padlock has a line or cross over it or the https is in red, then something is wrong and you should not proceed. The problem might be with the website or with your computer, so make sure that you run a virus scan.
When everything works properly, you will get a receipt for your purchase. Make sure that you keep a copy of the receipt, ideally on your desktop or as a printed copy.
We recommended customers consider our Visa Checkout service for added security.
Always type the website you need into the search bar – don’t rely on links in emails to take you to the right place.
If you ever think that the website you are on is not legitimate, shut it down and make sure that your computer is thoroughly scanned for malware.
If you have provided any personal information to a website that you don’t trust, contact the bank immediately so that we can help you protect your accounts and personal information.
Make sure that you log out of any websites you have used, and if you are using a public or shared computer, it’s a good idea to clear the browser history.
Avoid using public or shared computers, or public wireless Internet connections for any financial transactions.
Read more online shopping tips here.