Stay Safe Online This Cyber Monday: Tips from MOVE Bank's Chief Digital Officer
Cyber Monday is a fantastic opportunity to snag great deals online, but it also comes with heightened risks of encountering fake websites and scams. To ensure you have a safe and enjoyable shopping experience, MOVE Bank's Chief Digital Officer, Trevor McNamara has compiled a comprehensive guide to help you navigate the online shopping landscape securely for Cyber Monday and Black Friday deals.
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Check the URL
Ensure the website’s URL starts with “https://” and look for a padlock icon in the address bar. This indicates that the site uses a secure connection, which helps protect your personal and financial information from being intercepted by malicious actors.
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Verify Contact Information
Legitimate websites typically provide clear and accessible contact information, including a physical address, customer service number, and email address. If this information is missing, incomplete, or seems suspicious, it’s a red flag. Take a moment to verify these details through a quick online search or by contacting the company directly.
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Look for Reviews
Before making a purchase, it’s wise to search for reviews of the website or seller. Customer reviews can provide valuable insights into the reliability and trustworthiness of the site. If you find numerous complaints or warnings about scams, poor customer service, or non-delivery of products, it’s best to avoid making a purchase from that site.
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Be Wary of Too-Good-To-Be-True Deals
While Cyber Monday is known for its great deals, be cautious of offers that seem too good to be true. Extremely low prices can be a red flag for counterfeit or scam websites. Additionally, be wary of sites that create a big sense of urgency, pressuring you to make a quick decision. Scammers often use these tactics to lure unsuspecting shoppers into making impulsive purchases.
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Check for Professionalism
A professional-looking website is usually a good indicator of legitimacy. Pay attention to the overall design, quality of images, and content. Poor grammar, spelling mistakes, and low-quality images can indicate a fake site. Legitimate businesses invest in their online presence to ensure it reflects their brand's professionalism and reliability.
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Use Secure Payment Methods
When it comes to making payments online, opt for secure payment methods like credit cards or reputable payment services that offer fraud protection. These methods provide an additional layer of security and often come with dispute resolution options if something goes wrong. Avoid direct bank transfers or payment methods that offer little recourse in case of fraud.
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Trust Your Instincts
Sometimes, your instincts are your best defence. If something feels off about a website or a deal, trust your gut and avoid making a purchase. It’s better to miss out on a deal than to fall victim to a scam.
Additional Resources
At MOVE Bank, we prioritise your online security and are committed to providing resources and support to help you shop safely. For more information on how to protect yourself online, visit movebank.com.au/visa-card-security or check out Scamwatch.gov.au, which offers up-to-date information on the latest scams and how to avoid them.
Cyber Monday is an exciting time for online shoppers, but it’s important to stay vigilant and take steps to protect yourself from potential scams. By following these tips from our Chief Digital Officer, you can enjoy a safer and more secure shopping experience. Remember, a little caution goes a long way in ensuring your personal and financial information remains protected.
Stay safe and happy shopping this Cyber Monday!
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This article is for general information purposes only and is not intended as financial or professional advice. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product or other professional advice. You should seek your own independent financial, legal and taxation advice before making any decision about any action in relation to the material in this article. Railways Credit Union Limited trading as MOVE Bank ABN 91 087 651 090. AFSL/ Australian Credit License number 234 536 | ABN 91 087 651
