» «

Shop online safely

February 3rd, 2012 -

More and more New Zealanders are choosing to purchase online – from auction sites like Trade Me or taking advantage of a strong NZ dollar and purchasing items from overseas sites. There are few recommended safeguards to ensure that your purchasing experiences are positive.

Know who you are buying from
Only purchase from sites that you know and trust. If it is a site or company you do not know – do your homework first.

Read the small print
It is important that you understand what sort of returns, refund and warranty policy the company offers. This is especially important if you are purchasing from an overseas site. You also need to protect yourself by checking as to what, if any, authority you are giving the company to use your personal details.

Be aware of the cost
There will probably be other costs associated with your online purchase – eg packaging and postage. If buying from an overseas site you will also need to work out the current exchange rate. There are many online convertors – like this one: http://www.travelex.co.nz/for-you/currency-converter

Protect your credit card details
You should only purchase on sites that are secure. There are a number of ways that you can tell if the site is ‘secure’. One is by looking at the web address and ensuring that it begins with ‘https’ rather than ‘http’.

Keep a paper trail
Always record any reference numbers and print off your confirmation form. And always check your statement to ensure that you haven’t been overcharged.

Please remember that your financial provider should never ask for you to confirm personal details via an email.  For more information on how to keep safe online go to http://www.consumer.org.nz/reports/shopping-online/safe-shopping-checklist.  The Department of Internal Affairs has further information on unsolicited emails (spam) and how to report them.

Leave a Reply

» «