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City of London Police

Buying online

Buying on line, protecting your identity, and preventing fraud

Keep the following tips in mind before you enter personal information on a Web site or decide to make a purchase online:

  • Deal with companies or individuals you know by reputation or experience. If you aren't familiar with the company, do your research. Find out their address and phone number. Do not conduct business with a company that doesn't list a physical address or telephone number on its Web site.
  • Read the terms and conditions of the contract to make sure you understand the delivery options, return policy, and product or service warranty. For international transactions, ask for information about the exchange rate and any applicable duties and taxes.
  • Look for a privacy policy. Be sure that you are comfortable with how the company collects, protects, and uses your personal information before you submit any details. Responsible marketers have an "opt-out" policy, which allows you to choose whether your information is shared with third parties.
  • Ensure the business has a fair and clear process for submitting complaints and/or cancelling orders.
  • Make sure transactions are secure. Do not enter any financial information if you see a broken-key or open padlock symbol on your Internet browser. This means that the transaction is not secure and could be intercepted by a third party. When the key is complete or the padlock is locked, your browser is indicating a secure transaction.
  • Remember, unlike secure order forms on a Web site, e-mail messages are not private. Do not send confidential personal or financial information by e-mail.
  • Check for endorsement by an association or a quality assurance program. There are several "seals of approval" for Web sites that confirm the credibility of the company and the Web site. Avoid spam (unsolicited marketing e-mail) by being careful about disclosing your e-mail address both on and off-line. Check a company's privacy policy to find out whether your e-mail address could be shared with other companies.
  • Talk to your children about online activities. Instruct them to keep their personal information private unless you approve.

For more information, contact our Fraud Desk on 0207 601 6999.

27 March 2007 | Author: Margarita De Pablo | Contact Author