Safe Online Shopping Tips
Shopping online gives users access to a huge number of products and services offered by retailers based both in the UK and abroad. This provides the user with unparalleled choice and value, but there a few things that the user should keep in mind to ensure that they have a safe and secure online shopping experience.
Check the terms and conditions for both payment and delivery details carefully. Many users fail to take the time to read the terms and conditions, and particularly in the case of expensive purchases, it is worth taking the time to getting a good understanding of the T&C’s regarding your purchase. In most cases, you usually have at least 7 days to cancel the order and ask for a refund from an EU retailer should there be a problem.
Keep a record of what you have ordered, and any correspondence with the retailer. In almost all instances the retailer will email you with product and payment confirmation details, however it is a good idea to print off a physical copy in case there is a problem with your email.
Make sure that you are aware of all extra costs that could increase the price of the product or service, such as shipping, VAT, credit card processing fees etc. All extra costs should be clearly noted in the final price quoted before you complete the payment transaction.
Always check your credit card / bank statement very carefully post purchase to ensure the correct amount has been debited. Depending on the card company / type of card, you have around 90 days to report a suspect transaction. EU Law protects users against fraudulent use of your payment card in EU transactions. Credit cards also give you extra protection.
Before entering any personal information, ensure the web address starts with ‘https://’. The ‘s’ in the preceding address stands for ‘secure’. There should also be a padlock symbol in the bottom right of your browser. If you get a warning about the site security certificate be extra cautious.
You should never be asked for your cards PIN number. Never send your PIN number over the internet to anyone.
Be aware that if you purchase products from outside the EU, you may not be covered by the warranty, and it may also be harder for you to get a refund. You may also be liable for VAT and customs duty when the product enters the country.
For added comfort, search on a retailers website for a physical address, the registered company name, and a landline phone number. If you can find these details you have more options to track down the company should something go wrong.
If you still don’t feel confident about buying online, or you are new to buying goods over the internet, buy from a well recognised UK brand as at least you will have the peace of mind of dealing with a reputable, well known business.
Finally, all of your normal shopping rights apply online. For further information see the governments Consumer Direct website, www.consumerdirect.gov.uk .