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Shopping Safely Online


 

From the US Computer Emergency Readiness Team 

Why do online shoppers have to take special precautions? 

The Internet offers convenience not available from other shopping outlets. From the comfort of your home, you can search for items from multiple vendors, compare prices with a few mouse clicks, and make purchases without waiting in line. However, the Internet is also convenient for attackers, giving them multiple ways to access the personal and financial information of unsuspecting shoppers. Attackers who are able to obtain this information may use it for their own financial gain, either by making purchases themselves or by selling the information to someone else.

Online shopping has become a popular way to purchase items without the hassles of traffic and crowds. However, the Internet has unique risks, so it is important to take steps to protect yourself when shopping online.

How do attackers target online shoppers? 

There are three common ways that attackers can take advantage of online shoppers:

Creating fraudulent sites and email messages – Unlike traditional shopping, where you know that a store is actually the store it claims to be, attackers can create malicious websites or email messages that appear to be legitimate. Attackers may also misrepresent themselves as charities, especially after natural disasters or during holiday seasons. Attackers create these malicious sites and email messages to try to convince you to supply personal and financial information.

Intercepting insecure transactions – If a vendor does not use encryption, an attacker may be able to intercept your information as it is transmitted.

Targeting vulnerable computers – If you do not take steps to protect your computer from viruses or other malicious code, an attacker may be able to gain access to your computer and all of the information on it. It is also important for vendors to protect their computers to prevent attackers from accessing customer databases.

How can you protect yourself? 

Do business with reputable vendors – Before providing any personal or financial information, make sure that you are interacting with a reputable, established vendor. Some attackers may try to trick you by creating malicious websites that appear to be legitimate, so you should verify the legitimacy before supplying any information. Attackers may obtain a site certificate for a malicious website to appear more authentic, so review the certificate information, particularly the “issued to” information. Locate and note phone numbers and physical addresses of vendors in case there is a problem with your transaction or your bill.

Make sure your information is being encrypted – Many sites use secure sockets layer (SSL) to encrypt information. Indications that your information will be encrypted include a URL that begins with “https:” instead of “http:” and a padlock icon. If the padlock is closed, the information is encrypted. The location of the icon varies by browser; for example, it may be to the right of the address bar or at the bottom of the window. Some attackers try to trick users by adding a fake padlock icon, so make sure that the icon is in the appropriate location for your browser.

Be wary of emails requesting information – Attackers may attempt to gather information by sending emails requesting that you confirm purchase or account information. (See Avoiding Social Engineering and Phishing Attacks.) Legitimate businesses will not solicit this type of information through email. Do not provide sensitive information through email. If you receive an unsolicited email from a business, instead of clicking on the provided link, directly log on to the authentic website by typing the address yourself.

Use a credit card – There are laws to limit your liability for fraudulent credit card charges, but you may not have the same level of protection for your debit cards. Additionally, because a debit card draws money directly from your bank account, unauthorized charges could leave you with insufficient funds to pay other bills. You can minimize potential damage by using a single, low-limit credit card to making all of your online purchases. Also use a credit card when using a payment gateway such as PayPal, Google Wallet, or Apple Pay.

Check your shopping app settings – Look for apps that tell you what they do with your data and how they keep it secure. Keep in mind that there is no legal limit on your liability with money stored in a shopping app (or on a gift card). Unless otherwise stated under the terms of service, you are responsible for all charges made through your shopping app.

Check your statements – Keep a record of your purchases and copies of confirmation pages, and compare them to your bank statements. If there is a discrepancy, report it immediately.

Check privacy policies – Before providing personal or financial information, check the website’s privacy policy. Make sure you understand how your information will be stored and used.

For more information on this and other alerts and tips connected to cyber security, visit www.us-cert.gov, an official website of the Department of Homeland Security.

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S.M.A.R.T. back-to-school shopping


Photo courtesy of Getty Images

(Family Features) School supply lists seem to get longer each year, and when you have more than one child to shop for, it can really add up. So it’s no surprise that just about everyone is looking for ways to shop smarter.
In the most recent Back-to-School Shopping Forecast survey from PriceGrabber, 95 percent of shoppers will be using money-saving techniques to get school supplies this year. The survey also found that:
•    69 percent will shop online or use comparison shopping websites.
•    52 percent plan to spend as much as they did last year, while 35 percent say they’ll spend less.
•    55 percent will spread the cost of purchases over a longer period of time.
When you’re ready to stock up on backpacks, notebooks and an endless supply of pens, use these tips to help you be a smart back-to-school shopper:
S – Streamline your shopping.
•    Instead of driving all over town to get what you need, get as much as you can at one-stop-shops. Picking up school supplies and classroom supplies, such as tissues, disinfectant wipes, etc., saves you time and hassle. And it keeps you out of frustrating traffic.
•    Check the store’s website before you go. Make sure it will have the supplies you need so you don’t waste time looking for something that’s not there. If what you need isn’t in-store, consider ordering online.
M – Make a list.
•    Work with your child to craft your shopping list before hitting the stores.
•    Many retailers work with local PTAs and school districts to secure back-to-school shopping lists, making it easy to find exactly what your child needs.
•    Take an extra pen with you and have your child check off supplies as you get them.
A – Ads and alerts.
•    To help you save money, pay attention to the weekly ad inserts in your local newspaper. Combining sale prices with coupons saves you even more. Keep an eye out for super savings, such as Office Depot’s Penny Savers, when you can find many core supplies on sale for just a penny.
•    You can also sign up for special deal alerts through retailers’ websites and Facebook pages, giving you the scoop on extra savings.
•    If you want to avoid overfilling your email inbox, set up a separate email account just for retail alerts.
R – Rewards and rebates.
•    Many retailers have rewards programs that let you in on extra savings.
•    Some retailers also have programs that help you earn school supplies for your school, where a percentage of purchases goes to a designated school to use towards supplies.
•    To take advantage of rebates, check manufacturer websites as well as retailer websites for the latest ways to get money back.
T – Technology tips.
•    Keep your computers up to date with the latest virus and malware protection.
•    If your child will be doing online research for homework, you can put some parental controls in place to protect your child. Check out Google SafeSearch, AOL Parent Controls or ATT Smart Controls, or with your current Internet provider.
•    You can see user and professional reviews of parental control software at www.consumersearch.com.
Taking a little time to do your homework now will help you save time and money on school supplies when you’re ready to start shopping. To get the latest in back-to-school savings, visit www.officedepot.com.

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