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MacGregor

Junior Member
New York

Friends I would like to know about internet laws as I was worried about the laws of internet shopping.I am in need of the information regarding how to know whether we should trust the site or not?
 


quincy

Senior Member
The best sites to go to are ones you have used before that you have had good luck with, or to use sites used and recommended by people you trust.

Look for sites that are certified by Internet trust, with privacy certification seals, or sites that you know and that have been in existence for a long time (ie. the Gap).

Sites to avoid include those referred to you through an unrequested email message from someone unknown to you. If a site offers objectionable or offensive or illegal material, it is not one you should trust. If products and/or services offered on a site seem too good to be true, they probably are not good at all. Avoid these sites.

If you are asked for credit card verification or unnecessary personal information, especially if the site is an unsecured one (where there is no lock icon), avoid the site.

Read privacy statements if available, and make sure there is a phone number and mailing address of a person or persons to contact should problems arise. Having email contact alone can be a red flag and these sites should probably be avoided.
 
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MacGregor

Junior Member
Thank you quincy for the advice its really helpful got my ideas a bit cleared .I have a query here you posted about look whether site is certified site or not but you didn't told that how and from where I will get this information about the certification is it mentioned in the site itself or we have to get this information about the site from some regal site?
 

quincy

Senior Member
You will be able to tell if a site is a secured site by looking at the security indicator displayed in your browser. This can be a lock icon that appears, or a key icon. To find out the certificate information, you click on the icon.

Secure sites are generally those where sensitive information is requested (legitimate bank sites and credit bureau sites and tax sites are secure sites). In order to be issued a secured site seal, an application is submitted by the site and the information provided by the site is checked. If the site meets the criteria and the information is confirmed as being valid, the applicant will be issued a digital certificate.

Secured site seals, in other words, are licensed to only those sites that are verified and they enable the web browser to have secure communications with the website.

Just because a site does not have an icon, however, does not mean it is untrustworthy. If, however, personal and private data is requested and there is no icon present, you should avoid using that site. In addition, there have been some problems with counterfeit icons. Make sure you click on the icon to ensure its authenticity.
 

ErinGoBragh

Senior Member
I really recommend googling web site names for customer complaints when it's not a well-known or reputable website. Sometimes you find good information that way.
 

MacGregor

Junior Member
Thank you quincy this is what I wanted to know.Now I think I have got enough idea about the online shopping and the way to judge the site .
 

MacGregor

Junior Member
Quincy sorry but have a small query once again the site on which I am shopping is asking me to give the details of my credit card as a proof that this card belong to me and I have not got it somewhere or stolen it.I want to know that is it a part of inquiry that every site follow or this some kind of unwanted details they are asking for?
 

quincy

Senior Member
Hmmm. It does not seem like a normal request to me, although it could be. If you plan to pay by credit card, however, they do need to verify the card is yours.

A site will often do a small sample charge, for say $1.00, to verify the card is yours, before allowing you to use the card for a major purchase of any kind. Once this $1.00 charge is accepted without problem, they will credit the $1.00 back to your card and notify you, usually by email, that your purchase has been approved and will be sent.

The sample charge demonstrates to the site that the card is operational and that there is no block of any kind on it. So, for this, the site will need all of the information on your card to make the $1.00 charge.

Is the site protected by VeriSign or any security like that, with the lock icon appearing in the browser?
 

MacGregor

Junior Member
Sorry for asking such query but I want to make it sure that are there any security fro the side of the site or not as I lost my credit card and asked the company to stop the services as well as bank not to provide any payment and get hold of any found doing so on my credit card.

I was just trying to verify and get some knowledge about the steps taken from the site to recognize such thefts.Actually I was frightened as some one will use my credit card.Company officials said that the process will take 2-3 days to stop the services of the card.

sorry for inconvenience if any.

Regards,
MacGregor
 

quincy

Senior Member
A direct question would have worked just as well, MacGregor. ;)

A legitimate site screens all charges on credit cards to protect against charges made on cards reported as missing or stolen, and other sites will be unable to process charges using cards reported as missing or stolen. You should be OK.
 

MacGregor

Junior Member
Thank you quincy just before reading this post of yours I got the call from the Credit Card company that they have stopped all the services of the card and as soon as they get information regarding any usage of card they will inform me as well as police too.and then I can renew my card with no loss.
 

MacGregor

Junior Member
Hey quincy can you provide me advice regarding title insurance as I want to know is it that useful to have a title insurance and what are the risk that are covered under the heading title insurance?

Please,
Regards,
MacGregor
 

quincy

Senior Member
Well, I am by no means an insurance expert, but I can tell you what I know and then you can re-post in the Insurance section of this forum if my answer does not answer your question adequately. :)

A title, first of all, is legal evidence of ownership rights in a particular piece of property. A good title is one that is legally valid.

Usually a buyer must obtain a title insurance policy to protect a lender, and a buyer can also purchase an owner's title insurance policy for his own protection. These are designed to insure that any "defects" in the title (for instance, a conflicting claim to the property in question or current litigation on the property) will be cleared by the title insurance company. If it is not cleared, the title insurance company will have to pay either the buyer or lender for any costs that arise if undisclosed problems are later discovered.

A lender's policy only protects the lender and his interest in the property, while an owner's policy will cover the owner during the entire time the owner owns the property.

Title insurance generally makes sense. I am not aware of any risks involved, except to the title insurance company.
 

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