“All that glitters is not gold” and when it comes to online scams, Christmas shoppers must watch out for “too good to be true” bargains that could end up hurting their wallets.
According to research conducted in 2013 on behalf of FFA UK by ICM in the UK, online scams cost shoppers $15 million dollars. These people were victims of “vishing” a fraud method that attempts to get personal or financial information via telephone when fraudsters act as technical support agents or sales people.
With cyber Monday and the Christmas shopping season, cybercriminals are offering all kinds of products at very low prices. The website Get Safe Online published a list of the top five most risky items in which you can find Smartphones at the top, followed by game consoles, Ugg boots, Barbour jackets and iPads.
Remember, if it sounds too good to be true, it’s probably a scam or fake item.
Learn how to protect yourself when shopping online:
• If you get a call asking you to confirm a purchase, don’t reveal your bank account or shopping details since this is the way most fraudsters work. Just hang up and call your bank from a different phone to make sure everything is ok.
• Check your bank account regularly and make sure that your bank has your contact numbers so they can alert you if anything unusual or suspicious happens.
• Always make sure web URLs start with “https”, pay close attention to the “S” at the end. If the site doesn’t have the S nor the gold padlock icon, avoid shopping from that website.
• For banking or shopping, only use official online websites and mobile apps.
• Type the address of your bank or online shop directly into your browser. Never use a link from your email to go to your bank website nor should you open attached files that ask for personal information.
• If you own or are in the market for a new smartphone or tablet, protect it by downloading MyAntiTheft with MyAntiVirus and make sure it’s safeguarded with a PIN.
• In regards to online auctions and high value items, make sure you see the product before sending money. Use secure payment methods like PayPal instead of paying individual sellers.
• Once all your shopping or banking sessions are done and you followed this online safety guide, log out of the website or app. Also keep every purchase confirmation email.