7 Tips for Safe Internet Shopping ...

1. Secure Site

One of the top tips for safe internet shopping is to check that you are shopping on a secure site. Never insert your payment details without confirming that the page is secure, and that your details will be encrypted. Look for a padlock symbol in the browser frame. The address of the payment page should begin - that 's' is crucial.

2. Payment Method

When shopping online, a prepaid card can be useful. If the card details are intercepted, then the amount that can be stolen is limited. But also remember that paying by credit card offers greater protection than paying by debit card; for example, you can put in a claim to have your money returned if there is a problem with the item and the retailer does not help.

3. Reliable Sites

There are lots of fake websites, so make sure that the site you are on is not masquerading as a famous name. Let's say we had a shop called allwomenshop.com. The fake site may end in .net, or be called discountallwomenshop.com. Any site that only gives an email address as contact details is not to be trusted. Look for a site that provides a proper address (not a PO box) and telephone number.

4. Protect Your Computer

If you do any kind of financial transaction on your computer, you absolutely need to have a good antivirus program installed. Also make sure that it is set up to automatically install updates. In addition, you should also have a firewall activated, and ensure that your wireless network is secure from outside access (see below).

5. Secure Computer

Avoid shopping or paying for anything on a public network. Since these are obviously open to anyone, there is a risk that your details could be accessed. Also someone could be looking over your shoulder. So only shop in the security of your own home, and make sure your own wireless network is protected.

6. Strong Passwords

Yes, it's a PITA thinking up (and remembering) a new password for every online shop, PayPal account etc. But always use a different password; repeating them makes it easier for anyone who manages to get hold of one of your passwords. Also choose a password that is difficult to guess. Use a mixture of upper and lower case letters, and numbers. Don't pick something obvious like a date of birth or name.

7. Payment Portal

Use a safe payment portal such as PayPal. These sites offer protection to the buyers; should your item fail to arrive, you can put in a claim to have your money refunded. It's also worth mentioning here that if you are shopping on eBay, don't agree to pay outside the site in order to save fees. By doing so, you'll forfeit the protection that the site offers, and have no recourse if the seller fails to deliver.

Many people are nervous about shopping online. However, the majority of transactions are carried out safely and the buyer ends up happy. With some sensible precautions, you can minimise the risk of fraud and other problems. Shopping online is one place where the phrase caveat emptor (let the buyer beware) is even more true. The onus is on you to be careful. Have you ever had a disastrous shopping experience online?