Shopping online offers lots of benefits that you won’t find shopping in a store or by mail. The Internet is always open – seven days a week, 24 hours a day – and bargains can be numerous online. Shopping on the Internet is no less safe than shopping in a store or by mail. Keep the following tips in mind to help ensure that your online shopping experience is a safe one.

Use a secure browser. This is the software you use to navigate the Internet. Your browser should comply with industry security standards, such as Secure Sockets Layer (SSL). These standards scramble the purchase information you send over the Internet, helping to secure your transaction. Most computers come with a browser installed. You also can download some browsers for free over the Internet.

Keep your password(s) private. Be creative when you establish a password, and never give it to anyone. Avoid using a telephone number, birth date or a portion of your Social Security number. Instead, use a combination of numbers, letters and symbols.

Pay by credit or charge card. If you pay by credit or charge card online, your transaction will be protected by your credit card company. Many companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return and/or purchase protection benefits.

Keep a record. Be sure to print a copy of your purchase order and confirmation number for your records. Also, you should know that the Mail and Telephone Order Merchandise Rule covers online orders. This means that unless the company states otherwise, your merchandise must be delivered within 30 days; and if there are delays, the company must notify you.

Pay your bills online. Some companies let you pay bills and check your account status online. Before you sign up for any service, evaluate how the company secures your financial and personal information. Many companies explain their security procedures on their Web site. If you don’t see a security description, call or email the company and ask.

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