If you intend to do any gift shopping online, here’s some suggestions to help you shop safely on Cyber Monday.
Cyber Monday is a marketing term for the Monday after Thanksgiving. Wikipedia defines the term Cyber Monday as a day created by marketing companies to persuade consumers to stay home and shop online instead of having to brave the large crowds on Black Friday.
Cyber Monday is quickly becoming one of the most lucrative shopping days of the year for retailers. They will be promoting great deals through their websites and social media channels. But, consumers need to know how to shop safely on Cyber Monday and beyond…
First, you must make sure you are on a trusted legitimate website from a well-known retailer. Be careful not to misspell the website name. Imposters intentionally create fake websites using a misspelled name of a legitimate merchant or a name that is very similar to a legitimate retailer.
Next, you should be sure that the website address begins with HTTPS. The ‘S’ in HTTPS means that the website is using encryption to safeguard the personal information you enter when making your purchase. You can also use a browser plug-in called “HTTPS Everywhere”, for a more secure internet experience.
Once you decide to make a purchase, the merchant will ask you to begin by setting up an account. People mistakenly believe that if they use the “check out as a guest” feature, it means the merchant won’t store their information or add them to their email marketing list. Yes – they will!
There are 3 steps required in the process of shopping online and tips on how to safely navigate them:
- You need to provide an email address. The retailer needs an email address so they can contact you if there’s a problem with your order. Instead of providing your usual regular email address, create a throwaway email address. You should just use this throwaway email address whenever you’re shopping online.
- You need to create a Password. This is the single biggest security step consumers need to take to protect themselves online. It’s extremely important to create a stealth password. Preferably one that a cybercriminal can’t crack! A good password can mean the difference between keeping your personal info secure or handing it over to a hacker. Always use a unique separate password for each of your online accounts. Make your password long and nonsensical. Make up a sentence or silly phrase using upper and lower case letters and mix in numbers and symbols.
- You need to pay for your purchase. There are various methods you can use to pay, such as a credit or debit card, gift card or mobile payment. But the safest recommended way to pay is by using a low-limit prepaid card for all of your online purchases. When you use a low-limit card, crooks won’t be able to make additional charges on it. This is especially important for any purchase that involves free trial offers or recurring charges. Never use your debit card online because it is tied to the money in your checking account. You will have very little recourse if your debit card gets compromised. Keep these tips in mind, so you can shop safely on Cyber-Monday! I hope you find some really good holiday bargains!