Planning to do some shopping online?

You want to be assured that it is secure online shopping. You don't want to find yourself spending money on an item that never comes. Here are some tips on how you can make sure that your online buying from any given website is secure.

First, it is important to know that the company you are dealing with has a physical address and a phone number in case you have a problem or a question that needs to be resolved. Any email or pop-up message asking for financial information should not be replied to or clicked on. Legitimate companies never send an email asking for this kind of information. Email is not a secure method of payment. You want to use a site that uses encryption to keep your information safe.

Next, for secure online shopping, you should know what it is you are buying. Don't simply look at the picture, but also read the description and watch for words like vintage, close-out, and refurbished which may mean that the product is not in prime condition. You should also know what it is going to cost you. Don't simply look at the cost of the item, but include the shipping and handling costs too. Remember never to send cash for any purchase.

In fact, for the most secure online shopping, you shouldn't use a debit card either. Using a credit card or a charge card online will protect you by the Fair Credit Billing Act. This gives you the right to fight charges or temporarily withhold payment while they are being investigated. If there is a problem and your charge card was used without authorization, you are only liable for the first $50 in charges.

Make sure you understand the terms of the purchase you are about to make. Can you get a full refund if you are not satisfied and want to return the item? Who will pay the shipping costs if you do return the item? You also want to know when your order will be received.

Be sure to keep and print records of the shopping you do online, and include the price and product description as well as the receipt and any emails you sent or received. This will give you the backup you need if there is a dispute.

By knowing who you are working with, what you are buying, and by paying with a credit card, you can feel better with tips on finding secure online shopping. Online shopping can be convenient, economical, and just as safe as shopping in a store.