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.

How Safety Savvy Are You Online? Take The Quiz To Find Out!

Few of us go a day (or more likely a few hours!) without going online, whether it be to check our email, do research for work, look-up a funny YouTube clip, peruse our social media accounts, or simply pass the time.

But, with so much time spent in cyberspace, we’re also putting ourselves at risk for hacking, identity theft and scams.

If you’re wondering how online safety savvy you are and if you’re putting yourself at risk, take this fun, 6-question quiz to find out.

Want to boost your online safety?

Sign-up for GhostPath’s VPN service & enjoy a 7-day money back guarantee!

Watch Out! Do Not Fall For World Cup Scams

Screen Shot 2014-06-24 at 10.43.45 AMHackers and scammers capitalize on big events — and the FIFA World Cup is no exception.

And, as you would expect, there are a number of scams out there aimed at World Cup fans.

These scammers are hoping that eager soccer enthusiasts will let their guard down enough so that they can get their money, access their data, and steal their identities.

But, being vigilant goes a long way!

Here are some ways these World Cup scam artists try to trick you:

#1 Free Prizes & Tickets

Anytime you get an email promising free World Cup tickets — or free anything — from someone you don’t know, you should be on high alert. One of the more common free ticket scams encourages people to click a downloadable zip file which then unleashes a virus that enables your computer to be taken over by a remote administration tool (RAT). Others ask you to click a link or fill out a questionnaire with your personal information.

#2 News & Highlights Reels

Breaking news and World Cup highlight reels are being used to entice recipients to open malicious attachments and downloads. Again, be on high alert should you receive an email which encourages you to click or download something in order to access info about the cup.

#3 Free Online Streaming

These scams show up not only in your inbox but on social media sites as well. Often these scams will ask you to complete a survey or download & install software. Again, be cautious & use your head! If something sounds too good to be true, it likely is.

(There are ways to safely and securely live stream all the FIFA World Cup action online. Read more about that HERE.)

 

Safe Online Shopping for the 2013 Holiday Season

Safe Online Shopping

With Thanksgiving, Black Friday and Cyber Monday just around the corner, it is safe to say that the holiday shopping craze is about to begin. While thousands will be rushing to line up outside stores in the wee hours of the morning, millions more will choose to stay at home and do their shopping online.

Online holiday shopping is definitely a more convenient option, because you won’t be crushed by mobs of shoppers at the mall. It does, however, pose some risks of its own, especially in terms of online safety. Scammers and online predators prepare for the holidays by devising schemes intended to drain your pockets – sometimes, for life. It is important for you to know how to protect yourself from these online predators.

Keeping Safe While Shopping Online

How do online predators attack cyber-shoppers? Basically, scam artists steal or hijack your personal information by “phishing.” When they succeed, they are able to access your log in information. Potentially, all of your online accounts could be compromised. They may also send spam messages to your email inbox, enticing you to click on links that connect you to an alluring, but bogus, website. Any personal information that you provide on that site will be used to empty your back account, or max out your credit cards in an instant.

To ensure you are not a victim of online scams, always follow these important guidelines:

  • Protect your computer or mobile device by installing anti-virus software, anti-spyware and/ or a spam filter. Make sure that your firewall is activated and secured.
  • Don’t click anything sent to you by email unless you expected that message. Do not click on links that come from unfamiliar sources and that lead to unknown websites.
  • Look for misspelled words in emails or website addresses. Take note of the website address and see if it has a proper URL extension. For instance, phishers can lure you to click www.paypa1.com instead of www.paypal.com. See the difference between the two URLs? The first one is not legit because it’s misspelled. It has a “1” instead of an “l.”
  • Do not click on the link.  Type the address into your browser manually to make sure that it is not a compromised site
  • Go to websites with an https padlock; not those with an http. An https on the address means that the site is encrypted, protected and safe to visit. Also, a website should have a validation from a Certificate Authority. If your computer or device has a first-class anti-virus software, it will detect websites that are not validated. The browser usually turns green if the site is secure.
  • Shop only on websites that you trust. Contact the Better Business Bureau (BBB) to check on the reliability and safety of online shopping sites. Trusted sites have the BBB Trustmark seal. Make sure that the seal is updated and valid by clicking on it. Additionally, you should also take time to read the privacy policy of every website you enter. Go for online shopping sites that have been trusted for years, like Amazon or eBay, and websites of your favorite brick-and-mortar stores.
  • Do not allow yourself to fall prey to offers that are “too good to be true.”  If you find designer clothes or brand new iPads offered way lower than the retail price (like 80% off), do not immediately jump on the deal. Chances are this is a scam. This is one of the many ways spammers spread their “disease” online. Use common sense.  The only free lunch is a turkey sandwich in which you are the turkey.
  • Do not use one password for all your online accounts, including your emails and social networks. Choose a different password when registering with an online retailer – not the one that you use for your email or, especially, your bank account.
  • Use a credit card or a prepaid card. Online purchases with a credit card are protected by the Fair Credit Billing Act. You’ll get protection in case of stolen personal information and unverified use of your card. Credit card providers are also vigilant in terms of detecting suspicious activities. Likewise, prepaid cards offer a similar level of anti-fraud protection. Aside from helping you stick to your personal budget, you’ll also get protection from identity thieves and scammers.
  • Get to know your rights as an online buyer. There are laws regarding maximum shipping time, cancellation of orders and refunds.

Keeping yourself protected while doing online holiday shopping is easier, if you are well-informed. Read online safety blogs and visit tech websites. Use common sense and stay alert. Happy Holidays!