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You might be having concerns about the security of E-commerce or storing your cards information online. You may feel that your cards numbers and other personal data will be intercepted by unknown third party on the internet. We would like to assure that submitting and storing your cards numbers to our website and using it for transactions is actually very safe.

You can minimize any chance of fraud happening to you just by following some basic practices.

1.       Check your credit card and bank account monthly statement to make sure there is no erroneous charge or unauthorized charge, as soon as possible and always within 30 days of the statement date.

2.       Cut up expired cards immediately.

3.       Keep receipts and carbons with you until after the transactions have appeared on your statement.

4.       Shred old statements and receipts that may have your account number on them before throwing them out.

5.       Never give your account number to an unknown person calling you over the phone. Even if they identify themselves, offer to call back.

6.       Safeguard your personal information, including your social insurance number, your personal identification number (PIN), your date of birth, address and telephone number.

7.       Do not use your credit card for personal identification. Use your driver's licence.

8.       Do not write your card number on any document that is not associated with your account.

9.        Report lost or stolen cards as soon as you discover they are missing.

10.   Each time your online cards storage is accessed, we will send an optional email or SMS

 Purchasing products through our online cards storage is just like handing your credit or debit card to the waiter/waitress of a restaurant or a salesperson of a department store. The waiter/waitress or salesperson processes your card and keeps the transaction slip for business file. If he/she wants to use any credit card numbers that are kept in the file for his/her own purchase, he/she could easily do it.

Please be aware that other people already know your credit/debit card number, advertently or inadvertently from the day you were issued with the. These include the employee of the bank issuing the card, the waiter of the restaurant serving you, the employee of the department store handling your purchase, etc. You could easily realize that at least a few tens of stores have the white copy of your transaction slips (You keep the yellow copy) in their file. There are a lot of people out there already know your personal information including your credit card number even before you try our online storage.

There has always been people trying to steal your money even before the online and telephone banking became common place. Before, a thief knowing that you have just withdrawn some cash from the bank could lay an ambush. Fraudsters have always tried to forge signatures, or even manufacture counterfeit cheque books.

Online Safety & Security - What You Can Do

Protect your Password

Your password is your key to accessing your accounts.

Remember:

bullet Choose unique passwords that you can remember so that you do not have to write them down. A combination of letters and numbers should be used for better protection, at least six characters long. It should be a mixture of numbers, capital and lower case letters.
bullet Change your password regularly
bullet Do not use passwords that are easy for others to guess such as birthdays, family names or telephone numbers.
bullet Ensure that AutoComplete or other memorized password functions on your browser are disabled.
bullet Saving passwords on your computer, on the Internet or on any software is not a good idea. It allows anyone with access to that information the ability to potentially impersonate you.
bullet Never disclose your password(s) to anyone, especially online, not even to the police, your financial institution or your Internet Service Provider.

 

Use a Firewall

You should use a firewall to protect your home network and family from offensive websites and potential hackers. Firewalls help prevent unauthorized access to or from your computer by filtering the information coming through the Internet connection into your computer. They will only allow in the connections that are known and trusted.

Windows XP has an inbuilt firewall, which is adequate for most users. If you have windows XP, you can lean more about firewall from “Help and Support” file. If you have different operating system, you can learn about firewall by searching from Google.

Use Anti-Virus and Anti-Spyware Software

Anti-Virus Software

Your computer can become infected with a virus through email attachments, from content you download from a website or from a diskette or other media (CD-ROM, DVD, ROM, USB drive, etc) someone shares with you. It is a good idea to install anti-virus software on your machine because viruses can appear at any time. This helps prevent your computer from becoming infected and your files from being corrupted or lost.


Anti-Spyware Software

Spyware is a term used to describe software installed on your computer that displays advertisements and/or tracks and collects personal information. The information collected often includes: User ID's, passwords, name and address. Your computer can become infected with spyware through email attachments or from free content that you download from a website. This software is often installed on your computer without your consent.

Anti-spyware software can detect malicious programs running on your computer and clean your machine. It is important that you have and always use up-to-date anti-spyware software.

You can purchase both antispyware and antivirus from your computer store, or visit http://www.windowsmarketplace.com, free downloads.

Ensure your Browser and Operating System are up-to-date

Always take advantage of software updates so that your browser and operating system have the latest security updates to help reduce your computer's vulnerability. To be sure that you are able to download all of the latest updates you should always use a legally licensed operating system and browser.

Always use a web browser that supports 128-bit encryption when accessing secure websites. Most browsers now come with 128-bit encryption, which provides adequate protection when transmitting confidential data over the Internet.

 

Protect your Internet Connection

Computers connected to the Internet for prolonged periods of time can become vulnerable to attacks. There are additional precautions that you should take to ensure that your Internet connection is secure.

More information is available by clicking on the following links:
Microsoft Windows users: Protecting Your Home Computer
Apple Users: Mac OS X - Security

If you use a wireless connection, additional steps should be taken to protect your Internet Connection. Detailed information can be found by following the link below.

Microsoft Windows users: Is your wireless network vulnerable?

 

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Last updated: September 03 2007.