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Due to a few bad
apples the convenience of online shopping has come under the
clout. Here you can find great tips as to how you can check
if the supplier is genuine and how best you can shop Online
without the fear of being a victim of Online Fraud
Secure Internet Connections
How do you tell if the Internet connections are secure?
Many web sites use Secure Sockets Layer (SSL) technology to
encrypt the credit card information that you send over the
Internet. These sites usually inform you they are using this
technology. Or, check if the web address on the page that
asks for your credit card information begins with "https:"
instead of "http:"; if so, this technology is in place.
A different security technology, which works on different
principles, is Secure Electronic Transaction, or SET,
technology. SET or SSL technology are designed to make your
connection secure.
Be sure to open up a new web browser whenever you access
your online bank or payment account. Never click a link in
an e-mail or from another website that redirects you to an
unsecure site, and give them your social security number,
bank account number, etc. Whenever you access a secure site
on the Internet, the URL usually starts with https://.
Phone-In Option
Would you rather give your credit card information over the
phone?
Many web merchants allow you to order online and give your
credit card information over the phone. If you’re more
comfortable with this option, make a note of the phone
number, company, the date and time of your call, and the
name of the person who recorded your credit card number.
You should only give your password and credit card number in
a secure connection on a web site, not in ordinary e-mail.
"Theft of identity," in which someone gets access to your
bank account or gets credit cards or loans in your name, is
a growing problem, and you should carefully guard personal
information that might allow a thief to impersonate you.
The Individual - Do you know the individual`s
reputation?
Some online auction sites offer "feedback" areas where
customers discuss their experiences with a particular person
The Address - Will the seller be at the same web
address tomorrow?
With a physical store or a catalog, you know where to turn
to if you run into problems. But in cyberspace, all you may
have is a web address. Look on the site for a street address
and phone number. (Be wary if the seller’s only contact
information is a post office box.)
International Buying - Are you buying from someone
located outside the U.S.?
Since it’s the World Wide Web, sellers might well be located
in other countries. If so, you might not have the same legal
rights, or be able to enforce your rights as easily, as when
the seller is located in the United States.
Company Experience - Does it matter if the seller has
experience selling the product?
The law generally gives you more protection when you buy an
item from a seller who regularly sells those items.
Authorized Seller - Is the company an authorized seller?
You may get better warranty service if you buy from an
authorized seller. How do you know who’s authorized' You can
call the manufacturer of the product you’re interested in,
or visit the manufacturer’s web site to check if the
operator of the site has been authorized to sell the
manufacturer`s product.
Electronic Agent - Shopping for the lowest price?
Some web sites offer an "electronic agent" to identify the
sites that charge the lowest price for a specified product.
Be aware that some sellers have taken technological steps to
block these "agents" from gathering pricing data. In
addition, "agent" sites might not take shipping costs or
return/refund policies into account when comparing the
prices.
Still Selling - Is the seller still in business?
You might wish to telephone or send an e-mail to be sure the
seller is still in operation, particularly if the web site’s
material appears to be old or out of date.
Check what you are buying.
Updates - Have you checked for updates?
If you frequently access a web page, you may be seeing
outdated pricing or old inventory information. The reason:
Some Internet browsers, that is, a program such as Netscape
Navigator™ or Microsoft Internet Explorer®, save
frequently-accessed pages. Check whether the seller
indicates when the information was last updated. To insure
you’re seeing the latest version, use your browser’s
"reload" and "refresh" capabilities available under the
"View" menu to update the page you’re viewing.
The Product - What are you buying?
Be aware that some claims are just someone’s opinion and the
consumer has no legal claim if it is not true. For example,
if the seller claims: "This is the best book ever written on
this topic," that is merely an opinion. However, you may
have a legal case if an item that you buy does not conform
to the seller’s specific description. For example, if the
seller’s e-mail or web page states that the book is 1,000
pages long and published last year, you may have a legal
claim if the book that`s delivered is half that long and ten
years old.
Double Check The Price - Does the price of the product seem
reasonable to you?
Whether the product is being sold as new or used, be
suspicious of prices that are too good to be true. Also,
consider carefully whether you may be paying too much for an
item, particularly if you’re bidding through an auction
site. You may want to comparison-shop, online or offline,
before you buy.
Authenticity - How do you know your product is authentic?
Is the seller offering a real brand-name item, or just a
replica? Review the site for a guarantee of the product’s
authenticity.
Check Your Order - Have you checked the item number and
amount?
After typing in your order, double check the online
form. It’s easy to order "22" rather than "2" of an item if
your finger stays on the keyboard a little too long.
Many electronic order forms will tell you the total price of
your order before you buy. Pay attention to that total price
so you can crosscheck the items and quantity. Also, check
any confirmation e-mail that you receive from the seller. If
it doesn’t agree with what you wanted, immediately notify
the seller by e-mail or telephone.
Read the legal terms before you buy.
Terms - Where do you find the terms?
Different web sites have different ways of displaying
legal terms; some ways are more conspicuous than others. You
might find a link on the home page or order page to
something like "Legal Terms" or "Disclaimers," or you might
find that the "(c) 1999" at the bottom of a home page is
such a link.
Other sites might display legal terms on a "click-wrap"
screen, which requires you to mouse-click on a button that
says "OK" or "I agree" to the terms displayed on that
screen. Some courts have held that clicking will indicate
that you agree to the terms, while other courts have held
that the click doesn’t create agreement to the terms. In any
case, if you aren`t comfortable with the terms displayed,
you should shop elsewhere.
Shipping, Returns and Refunds - What if you don’t see the
seller’s return and refund policies?
You might want to ask the seller, through an e-mail or
telephone call, to indicate where these policies are on the
site or to provide them to you in writing.
You may want to specifically ask:
* Does the seller charge a flat shipping fee (for example:
$5 per order), a per-item fee(such as $1 per book), or some
combination of these?
* Can you return an online ordered item to one of the
seller’s retail outlets for cash or credit?
* Can you return a product if you`ve already opened it?
* Will the seller deduct a "restocking fee" from your
refund?
* Will the company charge for a second shipment if it is
shipping part of your order now and part later?
* When will the seller charge your account: only when each
item ships, or at some time before that?
Warranties - Is there a written warranty?
If there’s a written warranty, it must be made available to
you before you buy the item. When you review the warranty,
look for the same information buying online as you would
buying from a store or catalog:
What does it cover and how long does it last?
Whom do you have to contact for repair, refund, or
replacement under a warranty?
Is the seller limiting its liability if the item doesn’t
work or causes damage?
Under federal law, the seller must tell you whether the
written warranty is "full" or "limited" if the consumer
product costs more than $10.
A "full" warranty generally means that you’re entitled to
free repair of the product during the warranty period, and
do not have to pay shipping, removal, or re-installation
costs. If the seller cannot fix the product after a
reasonable number of attempts, you’re entitled to a free
replacement or full refund.
Any lesser warranty is "limited." As you’d expect, there are
more limited warranties than full ones. Nonetheless, they
often provide substantial protection and value to a
consumer.
Any lesser warranty is "limited." As you’d expect, there are
more limited warranties than full ones. Nonetheless, they
often provide substantial protection and value to a
consumer.
If a product is sold "as is" or "with its faults" that means
the seller gives no warranty. If the seller "disclaims the
implied warranty of merchantability," that means the seller
does not promise that the goods are fit for ordinary use. In
some instances, the law provides that you must be given this
warranty of fitness for ordinary use. Then a disclaimer
isn`t effective. A lawyer could advise you on when this is
so.
Liability - Are there limitations of liability on the
warranty agreement?
The seller might say that if something goes wrong with
the item you purchased, the seller is liable only for a
fixed amount of money. Or, the seller is only required to
repair or replace the item. Even if you have suffered other
damages–say you lost thousands of dollars in business
because your computer crashed–you’d only collect for the
value of the product or the cost of repair. |