7 Rules for Safer Online Shopping

For most people online shopping has become the norm.

Our busy schedules prevent us from trekking to the mall every time we need something, so instead we visit online retailers to fulfill our shopping needs.

Safe online shopping

But, not all online shopping destinations are created equal, and while many sites are trustworthy and legitimate, there are a number of fake online retailers that are just waiting to rip you off.

Luckily, a little online shopping savvy can go a long way to protecting you, your money and your identity.

Read through our online shopping rules below to keep yourself safe online.

  1. Stick to sites that you know & trust. Instead of starting your online shopping with a search engine, begin at a trusted retailer like Amazon, Target, Lowe’s or Macy’s. Search engines can lead you to places that are not trustworthy, especially if you venture past the first page or two of search results. Also, check the spelling of the site’s name (Amazon.com versus Amazn.com*). Many “copycat” sites try to get your money by looking “familiar”, and check the top-level domain as well (Amazon.com versus Amazon.net*). *These are fictitious examples.
  2. Use credit cards. Credit cards tend to be the safest option for online shopping because you have recourse. If an ordered item is never delivered or you find fraudulent charges on your card, the credit card company will work with you to remedy those issues and get you your money back. But, if you use a debit card or give access to your bank account, it can be a lot more challenging to get your money back after you fall prey to a scam. Check your statements regularly, and keep an eye out for suspicious activity.
  3. Keep a paper trail. Whenever you make purchases online, be sure to save any and all documentation that you receive via email in an email folder or, better yet, print hard copies of receipts, terms of sale, product descriptions, and any emails that you exchange with the retailer. Again, this will be helpful and necessary should you find yourself the target on an online shopping scam.
  4. Only shop with the “lock”. Any time you’re about to make an online purchase, look for the lock. Make sure that the site has SSL (secure sockets layer) encryption installed. You can determine if it does because an SSL url will begin with https:// (instead of http://). Typically, a little lock icon will also appear next to the site’s url or in the status bar; another indication of a secure site.
  5. Shut down your machine. Do you typically leave your computer running and connected to the Internet 24/7? While that may seem like no big deal to you, it means that you’re leaving your machine open to cybercriminals all day and night. This gives hackers the opportunity to infest your system with malware and commit cybercrimes. Instead, after making a purchase, turn off your computer and protect yourself and your money!
  6. Don’t overshare! Only fill out the necessary (i.e. “starred”) information when making on online purchase. No online retailer needs your birth date, social security number, or other unnecessary personal data to complete your transaction. Don’t make it easy for online criminals, instead be cautious, don’t over share, and you’ll protect yourself from identity theft.
  7. Use a secure connection. Don’t conduct your online shopping while using unsecured public WiFi. This is an open invitation to hackers, peeping Toms, and identity theft. Instead, wait to make online purchases from a secure network like your home or place of work.

If you want to further protect yourself, your money and your identity while shopping online, consider getting a VPN. For more details about how a Virtual Private Network can improve your online experience, visit Ghost Path.

4 Less-Common Mistakes You’re Making Online That Are Putting You At Risk

Screen Shot 2014-07-15 at 10.29.47 AMWe all know that we shouldn’t use the same password for all our accounts or share our login information with others, but so much of our lives nowadays are spent online that it’s easy to develop some other bad habits that may be putting you at risk.

Everything we do, say or post online has the potential of being seen by hundreds if not thousands of people, and while the majority of those eyes are likely harmless, if your personal info gets in front of the wrong person, it could cost you your privacy, money and countless headaches.

Below are 4 less-common mistakes that you may be making online that are putting you at risk.

1. Saving your personal information

Many sites, such as online stores, credit cards and even banking sites, give you the option of saving your personal information for quicker login, transactions or purchases. But, despite the added convenience, anytime you save your personal data online you’re putting yourself at risk. Instead of saving your login information and maybe even your credit card number, opt to enter it yourself each time. Sure, it takes a few extra minutes, but it could save you thousands in fraudulent charges!

2. Using public Wi-Fi

Sure, it’s convenient and seems harmless enough, but any time you use public Wi-Fi you’re opening yourself up to potential hacking. Instead of compromising your personal data, avoid banking, accessing your credit cards or shopping online while connected to a public network.

3. Using your debit card for online purchases

When you use your debit card, you’re giving hackers access to your personal bank account. Instead of opening yourself up to the headache of trying to recoup your money after an online breach, protect yourself my designating one credit card with a low-limit for all your online purchases. That way, if it becomes compromised, you know exactly where to look and can easily remedy the issue.

4. Clicking links in emails

You should never, ever click a link or open an attachment in an email from an unknown or suspicious sender. Malicious links and downloads find their way into our inboxes all the time, but if you’re alert, you won’t become a victim of whatever virus is being spread. However, sometimes these links can even come from familiar email addresses, but that doesn’t mean they should be trusted. If you suspect a link might put you at risk, don’t open it — even if it came from a friend. Instead, respond to the email and ask if they truly meant to send it.

To further protect your data, personal info and privacy, consider using a VPN service. For more information about how a VPN can protect you online, visit www.GhostPath.com.