Shopping online is becoming more and more common. According to the latest e-commerce data from the National Commission for Markets and Competition (CNCM) , e-commerce has reached its highest year-on-year growth rate since 2015, with a growth of 26.2 percent, reaching 7,785 million euros . Customers of Grupo Caja Rural entities will have, from September 2019, reinforced protection mechanisms for this type of operation, as indicated by the European PSD2 regulation . Specifically, customers must complete an additional layer of security called two-factor authentication for most electronic payments .
With this information in mind, and especially on a day like today, which marks International Safer Internet Day , we want to give you some tips for shopping online and avoiding being the victim of a scam or theft.
Tips for buying online
Browse secure websites! Check that the page where you have to enter your payment details is secure. It's easy to identify it. Look at the URL and see that it starts with https:// and has a padlock icon student data next to it. This means that the page has a security certificate, which you can check by clicking on the padlock.
Be wary of pages that do not provide details of the company . In addition, the rest of the information, such as payment methods, shipping methods, product descriptions, prices, etc., must be clearly indicated.
Delivery terms and shipping methods must be specified during the purchasing process. By law, the maximum delivery time for a product purchased online is 30 days . If this is longer, the seller must notify the buyer. If the notification arrives after the product has been purchased and the buyer does not want it, the seller must refund the amount paid immediately.
When we buy online, we can also exercise our right of withdrawal . In this case, the store must return the amount paid within a maximum period of 14 calendar days from the communication of the withdrawal.
When it comes to shopping online, virtual cards are very practical and safe . They are cards that can be loaded with the desired amount and avoid having to provide your usual debit or credit card details. Would you like to have one? Ask without obligation at any Caja Rural branch and they will explain how to get one.
If any incident arises during the purchasing process, it is best to resolve it with the seller, through the customer service department . If no solution is reached, you can go to the Municipal Consumer Information Office. However, if you are the victim of a crime, you must file a complaint with the Police .
Another recommendation when buying safely online is not to be carried away by incredibly attractive prices . It is best to look for references from the seller because it could be a mistake in the product's advertising or a scam.