Shopping Online

More people than ever will make purchases online this year. How can you increase your chances of getting wrapped rather than ripped? Here are some tips from consumer organizations on online shopping safety:

Learn Everything You Can About the Seller

If you're not familiar with the company you're considering purchasing from:

• Check with the Better Business Bureau or the consumer affairs division of your state's Attorney General office for any complaints
• You can also check to see if the business has qualified for the Better Business Bureau's online reliability seal of approval
• Online auction sites often have feedback message boards where you can check out the reputation of the particular individual seller you are thinking about purchasing from
• Try to find a physical address (not just a post office box) and phone number for businesses you aren't familiar with.

Look for Signs of a Secure Internet Connection

There is a big advantage to paying for purchases by credit card: the Fair Credit Billing Act allows you to refuse to pay by credit card if your purchase never arrives. Also, if someone misuses your credit card number, you'll only be responsible for the first $50.

Many E-tailers use security technology to encrypt (scramble) credit card information that you send over the Internet. You can be sure your information is secure if:

• You see a locked padlock or unbroken key icon at the bottom of the screen or on the status bar
• The Web address of the page where your credit card information will go begins with "https" instead of "http".

You shouldn't give your password or credit card number over a connection that isn't secure. Also, you should use a password other than the one you use to log on to your computer for purchasing online. Some Web businesses give you the option of giving your credit card information over the phone, even though you're ordering online.

Check Out the Privacy Policy of the Seller

Most sites have posted privacy policies that describe any information that's being collected from you when you visit the site, and how that information will be used. Some sites offer the option of opting out of the information collection process. If the site doesn't have a privacy policy, you may not want to do business with them.

Comparison Shop Before You Buy

Check out competitors' prices, online and off, to be sure you're not paying too much for an item. Also factor in shipping and handling costs in the total cost of the item.

Carefully Read Return and Refund Policies

Return and refund policies are important when buying an item "sight unseen" online. You don't want to be stuck with something that can't be returned quickly and easily. Carefully read through these written policies, and print out a copy for future reference. You'll also want to make a copy of any warranties, descriptions of the item you are purchasing and the terms and conditions of the sale.

The federal Mail or Telephone Order Merchandise Rule, which applies to online shopping, requires all retailers to deliver a product within 30 days unless otherwise stated. If there are delays, you must be notified.

Immediately Inspect Your Purchase

Carefully look over your purchase as soon as you receive it and contact the seller immediately if there's any problem. Put any complaints or agreements in writing and make a copy.

Complain Loudly and Often

If a problem hasn't been resolved to your satisfaction within 30 days, you should report it to the U.S. Postal Service, the Federal Trade Commission and the Internet Fraud Complaint Center.

By following these simple guidelines, you can greatly increase your chances of a safe and satisfying online holiday shopping season.

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