While many e-commerce Websites are reputable and have taken the necessary safety precautions to protect you, it never hurts to always proceed cautiously. If you are making an online purchase consider these easy steps:

1. Use only one credit card, preferably with a low credit limit, when making online purchases. Avoid using an ATM or debit card.
2. Be wary of unsolicited offers by sellers. The Internet National Fraud Information Center Watch reported that email, as a method of contact by Internet scammers was up .While the offer may be legitimate, spammers like to use this tactic to side-step reputable sites that provide consumer protection for online purchases.
3. Use only reputable e-commerce websites that list a street address and telephone number in case you need to contact them directly.
4. Read the website’s privacy policy. Some websites may reserve the right to sell/give your information to a third party. Check the document to see if they allow an opportunity to “opt-out” of receiving special offers from third-party vendors or for permission to share your personal information.
5. Check for a lock symbol in the status bar at the bottom of your Web browser window. Also, do not provide your personal information if the website address doesn’t start with “https” (a sign that the site is using a secure server).
6. Choose only verified sellers. Check to see if the vendor is a verified member of a reputable third party such as the Better Business Bureau, VeriSign, or Guardian eCommerce. These third-party sites help to ensure online consumers will be protected when shopping or conducting e-commerce transactions.
7. Check that the delivery date posted is reasonable. If you have not dealt with the vendor on a regular basis, be wary of any Website that states the shipment will be delayed 20 or more days. Delivery dates of 7-10 days are more common.
8. Keep a paper trail of all online transactions. Print out a hard copy of the transaction and keep it in a file for future reference.
9. Be wary of website offers that just sound too good to be true. The Internet is littered with get rich quick scams and false advertising claims. Investigate all claims thoroughly before proceeding.
10. If you do not receive what you paid for, and the vendor will not return your emails or calls, contact your state’s Department of Consumer Affairs for further assistance.

We have all heard the term Trojan Horse, but what exactly is it? A Trojan Horse is a destructive program that masquerades as a harmless application. Unlike viruses, Trojan Horses do not replicate themselves, but they can be just as destructive. One of the most dangerous examples of a Trojan is a program that promises to rid your computer of viruses but instead introduces viruses into your computer.

The Trojan can be tricky. Who hasn’t been online and had an advertisement pop up claiming to be able to rid your computer of some nasty virus? Or, even more frightening, you receive an email that claims to be alerting you to a new virus that can threaten your computer. The sender promises to quickly eradicate, or protect, your computer from viruses if you simply download their “free”, attached software into your computer. You may be skeptical but the software looks legitimate and the company sounds reputable. You proceed to take them up on their offer and download the software. In doing so, you have just potentially exposed yourself to a massive headache and your computer to a laundry list of ailments.

When a Trojan is activated, numerous things can happen. Some Trojans are more annoying than malicious. Some of the less annoying Trojans may choose to change your desktop settings or add silly desktop icons. The more serious Trojans can erase or overwrite data on your computer, corrupt files, spread other malware such as viruses, spy on the user of a computer and secretly report data like browsing habits to other people, log keystrokes to steal information such as passwords and credit card numbers, phish for bank account details (which can be used for criminal activities), and even install a backdoor into your computer system so that they can come and go as they please.

To increase your odds of not encountering a Trojan, follow these guidelines.

1. Remain diligent
   Trojans can infect your computer through rogue websites, instant messaging, and emails with attachments. Do not download anything into your computer unless you are 100 percent sure of its sender or source.
2. Ensure that your operating system is always up-to-date. If you are running a Microsoft Windows operating system, this is essential.
3. Install reliable anti-virus software. It is also important that you download any updates frequently to catch all new Trojan Horses, viruses, and worms. Be sure that the anti-virus program that you choose can also scan e-mails and files downloaded through the internet.
4. Consider installing a firewall. A firewall is a system that prevents unauthorized use and access to your computer. A firewall is not going to eliminate your computer virus problems, but when used in conjunction with regular operating system updates and reliable anti-virus software, it can provide additional security and protection for your computer.

Nothing can guarantee the security of your computer 100 percent. However, you can continue to improve your computer’s security and decrease the possibility of infection by consistently following these guidelines.