Is A Store Required To Give Privacy Statement For Financing Gear Up For Online Shopping

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Gear Up For Online Shopping

In today’s competitive world, one thing that has become rare in our lives is – ‘TIME’. Time has become the most important commodity for both working and non-working segments of our society. In the era of shopping malls that are becoming more and more popular due to limited time and resources, it can sometimes become difficult to get out physically. Shopping is inevitable for everyone whether we like it or not, because shopping is done from basic necessities to luxury goods. Therefore a new concept that allows us to shop at the click of a mouse is ‘Online Shopping’.

Online shopping can be defined as – The process of viewing, buying/selling and ordering goods or services made through electronic media such as websites, as well as how payments are made via electronic means by credit card or known as an existing credit account as online shopping. Some examples of online shopping portals are- ebay.com, amazon.com, indiatimes.com, buy.com, etc. The reason for the growing popularity of online shopping is that it is time-saving and easy to use.

People’s shopping habits differ from each other even in online shopping. For example, some like to do comparative online shopping, some like to buy by haggling, some like to browse the best offers from online vendors before making a purchase, some like to shop when additional discounts or rebates are offered to them, etc. .So in online shopping, we observe different types of behavior and shopping philosophy of buyers.

Online shopping is done virtually via the web, so there is no direct contact with sellers or salespeople and the billing procedure also takes an indirect way. Hence certain things should be kept in mind before any purchase, also certain precautions should be taken.

PAYMENT METHOD

a) Debit card

b) Various types of electronic money

c. Cash on the spot (COD)

d) Check

e) Transfer/delivery via payment

f) Postal money orders

g) Online payment by credit card.

There are many options available for making payments online but the best and safest way to pay is through a credit card (also known as plastic money). Maximum level of protection through credit card payments. Although other means of payment have their advantages and disadvantages, credit card payments are still the best available option. Such payments allow us to keep our money in a bank account, earning interest until payment for purchases made is due. Many online shopping sites provide ordering facilities by telephone by providing a credit card number. But in such a case one must have a record of the phone number, the company, the date and time of the call, the information that has been asked for and provided to the company and the name of the person who took the credit card number on behalf of the company. . To ensure that payments made on the internet are safe or not, certain things must be considered:

. View unbroken lock or closed lock or other security options in a browser window.

. The web address requesting your credit card information must start with “https:” and not “http”.

. Not every website has SSL (Secure Sockets Layer) or a pop-up box indicating that we are entering a secure area but some websites contain it as a security indicator.

Basic Tips for online shopping:-

1) The online shopping site must have a privacy policy, it will have a link to it

or their legal terms and conditions or conditions. Their privacy policy should indicate what information the site collects about you and how they will use that information.

2) It is advisable for the buyer to become familiar with the website. Before making

any purchase, some research on shopping portals should be done. Sites must contain their physical address apart from the post box. Also look out for seals from consumer protection organizations like TRUSTe.

3) Look for discounts and coupons online before making your final purchase.

Generally the coupon code is entered in the order form to get a discount. Website newsletters keep us informed about ongoing or upcoming discounts.

4) Before buying any product or service online, compare prices and features

provided with other authentic online shopping portals. Often we can find large price variations of the same product/service.

5) Always check shipping costs and procedures. Total purchase price

including shipping costs must not exceed the price we would pay for the same item in a retail store. There are also certain sites that do not ask for shipping costs for purchases of a certain amount.

6) Do not provide your personal information online, such as social security number. They

must contain a privacy policy ensuring that any information we provide online will be kept strictly confidential. Avoid providing unnecessary information via optional fields in the order form.

7) There may be a chance that we may occasionally have to return a product or wish

refunds, so pay attention to the website’s policy for returns and refunds. Various aspects such as do they exchange products if needed, can we accept a full refund etc should be studied first. If it’s not listed on the web, call or mail the seller and ask.

8) Always keep records for your online transactions. At the end of each transaction

the details are provided on the screen, if possible keep a hard copy of the payment with you. Some online shopping sites provide links to web pages that show the status of the shipment. Confirmation about payment is also sent via email.

9) One of the most important factors in online shopping is their shipping details and policies. Make sure the time limit in which they will deliver the goods. If no deadline is stated online, the product must be shipped within the 30 day deadline or provide and “Option Notification”. Also check if they have listed a geographic location for delivery or if their fees are reasonable.

DO NOT SHOPPING ONLINE IF

. The offer sounded too good to be believed.

. Sites that ask for personal information before stating the offer they will provide.

. A loan proposal with the condition that you have to send a certain amount of money to take advantage of the loan.

. Provides valuable gift-giving deals even with low-cost purchases.

. Online shopping sites that offer investment proposals.

While online shopping has emerged as a time-saving medium and resource-saving option for shopping, it is important to check the authenticity of websites before handing over money. It’s a new found modern culture and it’s getting more and more popular when everyone has a busy schedule. Hence the adage “Look before you jump” is appropriate for online shopping.

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