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Shopping Online

If you like the convenience of shopping by mail or phone, buying goods and services over the Internet may seem appealing. However, just like shopping in the traditional retail market, you must be wary of where you shop and take steps to prevent potential problems.

With the click of the mouse, you can buy almost anything online. Make sure you do business with companies you know and trust. Almost all major retailers have Internet sites that allow you to order their products online. If you want to play it safe, stick with major, national retailers that you know. If a company is unfamiliar, check its complaint records with your state or local consumer protection agency and the Better Business Bureau. Remember that Internet companies may appear and disappear quickly, so don't judge a lack of complaints as a guarantee the business is legitimate. Here are some more ideas on deciding to do business with an online company:

• Know where the business or seller is physically located. The Internet opens doors to companies all over the world. If the seller is located in another country and you have a dispute with them, resolving problems may be more difficult. Consumer protection laws and regulations differ from country to country. Be wary of companies that don't publish their location on their web site.
• Look for information about shipping time. Online purchases are covered by the Federal Telephone and Mail Order Rule, which requires the goods or services be delivered by the promised time or, if none was stated, within 30 days. Print or save the information about shipping and other details of the transaction in case you need it later. Be wary of companies that don't publish their shipping policies.
• Check the cancellation and return policy. It is generally the seller's decision whether to allow cancellations, returns or refunds. Be sure to check and make sure their policy agrees with any possible scenario you may encounter.
• Find out about warranties, guarantees, and service. Especially if you're buying an appliance or electronics, it's important to know if it's guaranteed and if service is available locally.
• Know the difference between private sales and sales by a business. Many individuals offer to sell items through online auctions, chat rooms and online classified ads. These purchases are not covered by the Federal Telephone and Mail Order Rule or by many other consumer protection laws. Sales by individuals also carry the risk of payment without delivery. Stick with well-known auction sites and be sure to check the seller's credentials before sending money.
• Be careful when sending financial or personal information online. Ensure the site is using a secured server for the data. Look for a security seal. You can ask the company for this information or ask your Internet browser's manufacturer for tips to see if the site is secure. Often this information is noted in the web page address.

However you plan to shop, keep the above tips in mind. You can shop online safely if you do your homework first.