Web Security Issues

Web security is a hot topic. Everybody's talking about the safety of using credit cards over the Web, the privacy of e-mail, and other topics. We've addressed a few of the issues we're often asked about:

• Credit cards are fairly safe

• Know who you're buying from

• Use a credit card

• Check up on the merchant

• Be aware

• Ask about security

• Report problems

• E-mail is not private

 

Credit cards are fairly safe

Is it safe to use your credit card over the Web? Yes, and no... If you are providing information over a secure connection (see Be Aware below) then the transaction is fairly safe. Why do we say "fairly" safe? Because no credit card transaction is totally secure. A dishonest merchant or employee can misuse your data just as easily in a brick and mortar store as an in online one. As long as the transaction is by secure server, statistics bear out that the risk over the Internet is no greater than that of giving your card to a wait person in a restaurant. TOP

 

Know who you're buying from

Before you buy, get the mailing address and telephone number of the merchant. Conventional contact information gives you a clue about where the merchant really is, and a resource if problems come up later. TOP

 

Use a credit card

Using a credit card allows you to better dispute the charges of a problem occurs, such as lack of delivery or unfit merchandise. In many cases, the credit card company may go to bat for you if the merchant turns out to be a deadbeat. TOP

 

Check up on the merchant

Just like with conventional stores, you can check with the Better Business Bureau for reports of trouble. You can also check with Internet Fraud Watch for possible complaints. TOP

 

Be aware

If you're using a fairly current browser (such as Netscape 4.0 or higher or Internet Explorer 4.0 or above), you'll see a small lock symbol when you're on a secured site. Always check for this before sending sensitive data. TOP

 

Ask about security

Look for a security statement on the site. It should explain how the merchant handles private information. If you can't find this information, call or e-mail the merchant to ask them. TOP

 

Report problems

In the event you do have a problem with a merchant, contact the merchant quickly, using every available means. Internet Fraud Watch keeps a list of online scams and offers a form to submit complaints. The Federal Trade Commission's Web site has more information and includes an online report from as well. TOP

 

E-mail is not private

Unless you're using encrypted e-mail, which most people aren't, your messages may be able to be observed between you and the addressee. Remember that just like with written letters, what the recipient does with your message is usually the weak link. The viewer might leave your sensitive note on-screen while away from their desk or print it out and leave it on the top of the wastebasket. TOP