Editorial: Don’t fall prey to holiday scammers
The holiday season is here, so get ready for an abundance of goodwill and, unfortunately, some bad will in the form of scams. It is one time of the year when scammers work extra hard to rob good people of their savings.
For those who choose this holiday season to do some of their shopping online, don’t make the mistake of assuming your shopping is free of security concerns. According to the Better Business Bureau (BBB), there are some websites that are total scams that take your money and don’t send you what you ordered.
How can you be certain the websites where you shop are legitimate? BBB offers these tips for safe online shopping:
• Know the advertiser. Some of the best deals are only available online but be careful. It’s easy for a fake site to mimic a famous retailer’s website, so make sure you are shopping with a legitimate business. If the site is missing contact information, that is a red flag. Check out retailers at bbb.org before you shop.
• Check a site’s security settings. If the site is secure, its URL (web address) should start with “https://” and include a lock icon on the purchase or shopping cart page.
• Be a savvy shopper. When shopping online, be sure to take your time, and read the fine print before submitting your order. Look for the return policy; although many online orders can be returned for a full refund, others have restocking fees. Some items cannot be returned. Know before you buy.
• Protect personal information. Read a site’s privacy policy and understand what personal information is being requested and how it will be used. If a site doesn’t have a privacy policy, that’s a big red flag that it may be a scam.
• Think before your click. Be especially cautious about email solicitations and online ads on social media sites. Many sketchy retailers advertise great deals or trendy clothing that don’t measure up to the promotional hype.
• Beware of too-good-to-be-true deals. Offers on websites and in unsolicited emails may offer free or very low prices on hard-to-find items. There may be hidden costs or your purchase may sign you up for a monthly charge. Look for and read the fine print.
• Beware of phishing. Phishing emails can look like a message from a well-known brand, but clicking on unfamiliar links can place you at risk for malware and identity theft. One popular scam claims to be from a package-delivery company with links to “tracking information” on an order you don’t remember making. Don’t click!
• Shop with a credit card. In case of a fraudulent transaction, a credit card provides additional protections; it’s easier to dispute charges that you didn’t approve. Debit cards, prepaid cards or gift cards don’t have the same protections as a credit card.
• Keep documentation of your order. Save a copy of the confirmation page or email confirmation until you receive the item and are satisfied. Be sure to know and understand the return policy and keep this documented with your purchase records.
Scammers wouldn’t exist if there wasn’t a market for them. This holiday season don’t be among their prey.
