Be Cyber Safe

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by Janna Green, Premiere Agency Network on Nov 29, 2013

Cyber Monday. This online shopping bonanza, the Monday after Thanksgiving, is quickly becoming the biggest online shopping day of the year. If you don’t find what you are looking for on Black Friday, no problem, you can jump on the internet on Cyber Monday. 

But with the popularity of ecommerce, so goes the popularity of scams and hacking via the internet. Recent reports warn of false websites that look just like the real thing. One big problem, they will take your credit card just like the real thing. Perhaps you are more familiar with hacking, the exploitation of the weaknesses of a personal or businesses computer system. In either case, it will take the Christmas spirit right out of you.

Tips for Individuals for Shopping Online:

  1. Use your credit card not your debit card. Federal law protects credit card users, limiting your liability to $50.
  2. Be leery of coupon links sent to you by an unknown source. That link may lead you to a website that appears to be an actual merchant but isn’t. Try to always go directly to the seller’s site.
  3. Never enter your credit card info on a page that is not encrypted…look for “http” or “https” in the web address. 
  4. It is best not to use a shared computer but if you do, log out of the shopping site and clear the browser’s page cache, cookies and history or the next guy who uses that computer may just go shopping at your expense.

Shopping online definitely has its benefits; safe shopping requires being alert and aware of crime via the internet. These tips may limit your chances of becoming a victim but many consumers are also adding the protection of identity theft coverage on their homeowners' or renters' policies. Identity theft protection can vary by carrier and by state so give any River Tree Insurance Professional a call to learn more.

Bio: Janna Green, Premiere Agency Network Team. With a marketing focus from market access and account placement to digital marketing, Premiere is a Network of Independent Insurance Agencies in the Southeast U.S.

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Huntsville, AL 35801

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