While online shopping is much more convenient than navigating densely packed shopping centers, it also brings its own set of challenges. Cybercriminals exploit the increased online traffic and shoppers' eagerness for deals, intensifying their attacks with scams, phishing, and fraudulent offers to deceive unsuspecting buyers. Fortunately, with these five simple precautions, you can protect your personal information and safeguard your transactions while you find perfect gifts for your friends and family.
Shop only on trusted websites and retailers
Where you shop online is vital to your online security. Stick to well-known retailers or trusted sellers, and always look for "https" in the URL to confirm a secure connection. A legitimate website will also display clear contact information and customer support options, making it easy for you to reach out to them directly.
If you're considering shopping with a new or an unfamiliar seller, take the time to verify their authenticity. Read customer reviews for possible red flags or outright warnings that it’s a scam (such as the lack of encryption or contact information). Furthermore, if a deal seems too good to be true, it probably is, so it's best to just walk away and shop somewhere else.
Protect your personal information
Your personal information is a valuable target for cybercriminals, so it’s essential to be mindful of what you share online. Reputable retailers only ask for necessary details, such as your payment information and delivery address, and most of them will detail in their privacy policies that they do not store this kind of information. Be cautious of websites that request sensitive information such as your Social Security number, as this is rarely needed for online purchases.
Recognizing phishing attempts — emails and ads disguised as legitimate messages to steal sensitive information, such as login credentials — is also critical to protecting your data. Avoid clicking on links in unsolicited emails or messages, especially those asking you to verify your account or payment details. Instead, visit the retailer’s official website directly to check for any issues. To improve security, craft unique, robust passwords for every shopping account, or consider using a password manager to create and securely save them.
Keep your devices and networks secure
Before making any purchases, check that your computer, tablet, or smartphone is updated with the latest software. These updates typically contain security fixes that address recently identified vulnerabilities.
Equally important is the network you use. Avoid using public Wi-Fi networks for sensitive activities like online banking or shopping, as these networks are often unsecured and vulnerable to cyberattacks. If you must shop on the go, consider using a virtual private network (VPN) to add a layer of encryption to your connection, keeping your data safe from the prying eyes of cybercriminals.
Use payment methods with discretion
How you pay online can make a big difference in protecting your finances. For instance, credit cards offer a higher level of protection against fraud and unauthorized transactions, with features such as chargeback and separate account liability. Likewise, using secure payment services such as PayPal or Apple Pay enhances safety by keeping your financial information hidden from retailers.
Furthermore, stay vigilant by reviewing your bank and credit card statements regularly. Set up transaction alerts to monitor your purchases in real time and quickly catch any unauthorized activity. Taking these small steps can help you act fast if something seems off and keep your finances secure during the busy holiday season.
Take advantage of online security features
Many retail websites and payment platforms offer built-in security features such as two-factor authentication (2FA), which adds a second layer of security to your account. When enabled, 2FA requires you to confirm your identity via a secondary method, whether that’s a text message or authentication app, alongside your password. If available, biometric options such as fingerprint or facial recognition offer another simple, secure way to access your accounts.
By taking these precautions, you can enjoy the convenience of online shopping without compromising your security. If you need expert guidance to strengthen your tech defenses, contact us today — we’re here to help!
