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Are you a safe online shopper? Take our safe online shopping quiz to find out! Once you're done, come back here to view the correct answers and see how your online shopping habits measure up.

1. Do you shop around for websites that have the best deals or do you stick to sites that you know and trust?

a. I shop around for the best deal.

b. I only buy from websites that I know well.

Safest choice: b

The safest way to shop online is with retailers that you know and trust. While some sites that offer good deals are legitimate, others are scams. If you choose to shop with an online retailer that you do not know well, make sure their contact information is valid, the site is secure, and you understand the purchase, shipping, and return policies.

2. When shopping online, which form of payment do you use?

a. Credit card

b. Debit card

Safest choice: a

Paying with a credit card is the safest choice when shopping online. The Fair Credit Billing Act (FCBA) protects consumers whose credit cards have been used without their authorization by limiting the amount they are responsible to pay to only $50. Check your credit card statements carefully, especially after making an online purchase. If you notice a discrepancy and believe that your card was used without your consent, remember that the FCBA gives you the right to dispute charges under certain circumstances and temporarily withhold payment from the creditor while an investigation of the unauthorized charges is taking place.

3. A spoofed email that appears to be from a trusted source that attempts to obtain personal information such as Social Security numbers, credit card information, usernames, and passwords. What is the name of this cybercrime?

a. Baiting

b. Phishing

Correct choice: b

Some phishing emails are easy to spot because they are laced with misspellings, sent from a weird email address, or filled with outlandish requests. The phishing emails that are harder to spot appear to be sent from online retailers, banks, or social networking sites that you already have a relationship with. Remember to check your email carefully for signs of a phishing scam. Links to odd URLs, slightly “off” company logos or email templates, use of scare tactics or requests that create a sense of urgency in you to share information that should not be disclosed via email (like financial information) are signs that the email is not to be trusted.

4. If you are shopping online and your Web browser displays “https” in the URL and a closed padlock symbol, you know for sure that they website you are on is legitimate and it is completely safe to shop there.

a. True

b. False

Safest choice: b

While the padlock and “s” (standing for ‘secure’) added to “http” are generally signs that a site is secure, they are not absolute indicators. Scam websites have been certified to use the “https” before and hackers are getting better at making sites look more legitimate by adding the closed padlock. Before purchasing anything on a website, it is a smart idea to open a new browser window and directly type in the trusted website’s URL instead of clicking on a link or ad to get there.

5. Do you ever shop online from free, public Wi-Fi hotspots or Internet cafés?

a. No, never.

b. Yes, sometimes.

Safest choice: a

Sending sensitive information over public wireless networks can put you at risk for identity theft or credit card fraud by exposing your information to hackers. It’s best to do your shopping from a secure location.

6. When filling out a vendor form to complete an online transaction, how much information do you typically provide?

a. I provide only the information required after checking the website’s privacy policy to see how my information will be used.

b. I fill in the required information plus some fields that are not required.

Safest choice: a

Remember, you don’t have to give more information than necessary to complete your online transaction. You should check the website’s privacy policy to understand how the information you do give will be used.

7. Many websites will ask you to create an account with them in order to make a purchase. When you create a new account online, what type of password do you normally associate with the account?

a. I use a similar password for all of my accounts that is easy to remember.

b. My password is usually complex and contains a combination of letters, numbers, and symbols.

Safest choice: b

Complex passwords that utilize a combination of letters, numbers, symbols, and upper and lower case are the hardest to crack.