Online Shopping Self-Defense Juzen Ruelos Principal Program Manager, Engineering Online Shopping Self-Defense

Objectives Learn what online shopping is Learn 5 easy self-defense tips Spot real life examples Summarize what we’ve learned Online Shopping Self-Defense

What is Online Shopping Definition Online shopping or online retailing is a form of electronic commerce which allows consumers to directly buy goods or services from a seller over the internet using a web browser on a PC or mobile device. Data Sales totaled $142.5B in US alone in 2011 42% of Americans shopped mostly online in 2012 U.S. retail sales estimated at $362B by 2016 60% of consumers shop online at least quarterly Online Shopping Self-Defense

Five Self-Defense Tips Tip # 1 - Get the details Know who you’re dealing with Know what you’re buying Know what it will cost Check out the terms of the deal, like refund policies and delivery dates Online Shopping Self-Defense

Five Self-Defense Tips Tip # 2 - Pay by credit card Credit card transactions are protected by the Fair Credit Billing Act You can dispute charges under certain circumstances and temporarily withhold payment while the creditor investigates Online Shopping Self-Defense

Five Self-Defense Tips Tip # 3 – Keep records Print or save records of your online transactions Keep information that may include product description, price, online receipt, emails between you and the seller Review your credit card statements Be on the lookout for charges that you don’t recognize Online Shopping Self-Defense

Five Self-Defense Tips Tip # 4 – Protect your information Don’t email your financial information Buy from reputable websites that use encryption Check the online store’s privacy policy Online Shopping Self-Defense

Five Self-Defense Tips Tip # 5 – Report online shopping fraud If you have problems during a transaction, try to work them out directly with the seller, buyer, or site operator If that doesn't work, file a complaint with the appropriate agencies See Appendix I for a list of agencies Online Shopping Self-Defense

Spot Real Life Examples Online Shopping Self-Defense

Spot Real Life Examples Online Shopping Self-Defense

Spot Real Life Examples Online Shopping Self-Defense

Spot Real Life Examples Online Shopping Self-Defense

Summary – The Do’s and Don’ts Don’t buy unless you know exactly what you’re looking for Do your homework – know who you’re dealing with, what you’re buying, and what it costs Don't buy from spammers, “one day only” websites, or websites you’re not comfortable with Do buy from reputable websites with encryption Don't pay by debit card, cash, or wire transfer Do pay by credit card or online payment services Don’t email or send financial or personal information via email Do protect your information, check the website privacy statement, and use computer security software Don’t dispose of your receipts too quickly Do keep records and check your credit card statements for suspicious transactions Don't forget to inspect your new purchase as soon as it arrives Do report fraud to the appropriate agencies Online Shopping Self-Defense

Juzen Ruelos Principal Program Manager, Engineering Online Shopping Self-Defense

Appendix Online Shopping Self-Defense

Appendix I: Resources Federal Trade Commission (FTC) – http://www.ftc.gov/ Attorney General (general site) – http://www.naag.org Consumer Protection Agency – http://www.consumeraction.gov/ Better Business Bureau – http://www.bbb.org/ Consumer Reports – http://www.consumerreports.org/cro/shopping- websites/buying-guide.htm US Government online safety website – http://www.onguardonline.gov/ CNET Online Shopping Tips – http://reviews.cnet.com/2744-32390_7-866-2.html Norton by Symantec : Tips for Shopping Online – http://us.norton.com/clubnorton-tips-for-safe-online- shopping/ Online Shopping Self-Defense