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Top 10 Cyber Monday Tips for Staying Safe When Shopping Online

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SOUTHFIELD — Cyber Monday, the Monday after Thanksgiving, has officially replaced Black Friday, the day after Thanksgiving, as the most popular day to shop for the holidays.

According to the National Retail Federation, seven in 10 online retailers expect their sales to grow at least 15 percent this holiday season. The NFR’s holiday survey also found that the average person plans to do 36 percent of their holiday shopping online — up from 33 percent last year.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people, but online shopping has its own set of risks,” said Patrick Bennett, director of community relations for the Better Business Bureau of Detroit and Eastern Michigan. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone — except, of course, for scammers and hackers.”

In order to fight scammers, hackers and assorted other online grinches, the Better Business Bureau serving East Michigan and the Upper Peninsula offers 10 tips for staying safe when holiday shopping online.

* Protect your computer — A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

* Shop on trustworthy websites — Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely recognized “trustmarks” on retailer Web sites and click on the seals to confirm that they are valid.

* Protect your personal information — BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

* Beware of deals that sound too good to be true — Offers on Web sites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

* Beware of phishing — Legitimate businesses do not send emails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an email, BBB recommends picking up the phone and calling the contact number on the Web site where the purchase was made to confirm that there really is a problem with the transaction.

* Confirm your online purchase is secure — Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (Web site address) and the dialog box will reveal if the site is not encrypted.

* Pay with a credit card — It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

* Keep documentation of your order — After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail — BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.   * Check your credit card statements often — Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

* Know your rights — Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, visit http://easternmichigan.bbb.org/Consumer-Tips.

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