Category: Money Matters
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Sub category: Security
30 November 2014

‘Tis the season to shop safely online! 7 tips for saving and spending securely this Christmas

Prefer to shop from your PC, tablet or smartphone? Here are 7 quick & easy tips for staying safe online and making the most of your shopping budget this Christmas.

Stay safe…

1. Protect your PC

Before you start shopping, make sure you’ve taken steps to protect your PC from websites that have potentially been compromised. Installing a personal firewall and anti-virus software will go a long way towards keeping you safe online – and remember to keep all your software up to date for maximum security.

2. Protect your data

Ensure the data you provide online is encrypted by using a secure site. Usually this will appear as a URL pre-fixed with https:// (the ‘S’ being the difference to a normal exchange of data) and the padlock sign appears next to the favicon (an icon that appears in your address bar, next to the website’s address).

3. Protect your purchases

If you’re making a first time purchase from a website you’ve not dealt with before then consider doing some research online to see if there are site reviews of the seller. Knowing you’re dealing with a reputable seller can help give you additional peace of mind.

Using a Visa credit or debit card? Visa’s Zero Liability policy and Verified by Visa service protect you against unauthorised use of your card.

And save!

4. Be aware of your budget… and your balance

Write a list of who you need to buy for and decide on a budget to help you resist temptation to overspend. If you have a smartphone or tablet, then your banking app could make it easier to keep an eye on your balance and help you manage your money on the go.

5. Compare prices

One of the benefits of shopping online is how quick and easy to compare prices. If you’ve found something you like, take a moment to find out where else it’s for sale and how the price measures up. And remember to factor in things like shipping costs which can all add up.

6. Check the refund policy

Buying the perfect present can be tricky especially if there is a lot of guesswork involved, so bear in mind that you might need to return or exchange if it’s not quite right. Check the store policy and be aware of your statutory rights (check out the ACCC’s website for more details) before you part with your cash.

7. Make a note of your transaction

Consider taking a screenshot of your purchase or send yourself an email noting the time and details of your transaction. This can help you match up your purchases with your banking transaction history later on, so you can make sure there are no discrepancies.

Want to find out more about online security? Take a look at these additional tips for staying safe online. 

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms

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