Table of Contents THE DEFINITION OF ONLINE SHOPPING ....................................................................................................... 2 IS IT SAFE TO SHOP ONLINE? ........................................................................................................................ 2 11 TIPS FOR SAFE ONLINE SHOPPING ........................................................................................................... 3 WHAT ARE THE MOST IMPORTANT REGULATIONS RELATED TO ONLINE SHOPPING? ................................ 6 THE BEST ONLINE SHOPPING SITES IN MALAYSIA ........................................................................................ 6 THE MOST IMPORTANT FACTOR WHEN BUYING ONLINE ............................................................................ 8

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THE DEFINITION OF ONLINE SHOPPING 

Data center security. Your credit card might or might not be kept encrypted and/or promptly deleted after use on the merchant's computer systems. Again, know the reputation of the company you are dealing with.

Fortunately, there are several tools you can use to protect yourself: Online contracts are classified as distance contracts, which means that the trader (service provider, seller) and the consumer (natural person who is acting for purposes which are outside his trade, business or profession), in lack of their simultaneous, actual and physical presence enter into contract not by meeting in person (e.g. in commercial premises, market, open-air market, via trade agent etc.), but only in an electronic way.

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Limits on consumer liability. In the United States, most credit cards carry a $50 maximum on your responsibility for fraud, as long as you report it as soon as you discover it. This makes credit card shopping reasonably safe. READ the terms and conditions of YOUR card to be sure of what YOUR liability limit may be.

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Secure sites. As mentioned above, the "lock" icon means that it is nearly impossible for your credit card number to be stolen "in transit" across the Internet.

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Third-party payment companies. Companies like PayPal provide a way to purchase something by credit card without actually giving your credit card number to the merchant. Instead, PayPal handles the finances, and gives the money to the merchant after collecting a small fee. As a large financial services company, PayPal is strongly motivated to keep your information secure and avoid or quickly correct any security problems that do occur. PayPal is probably your best option for paying individuals and small

IS IT SAFE TO SHOP ONLINE? 2003-09-08: the safety of online shopping is determined by several factors: 

Honesty. Any merchant, online or offline, could steal your credit card and use it to buy things. Know the reputation of the company you are dealing with. A google search for the company may turn up horror stories -- or good experiences.

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Connection security. Make sure you see the "lock" icon in the lower left or lower right corner of your web browser, OUTSIDE the web page itself. This indicates that the connection itself is encrypted.

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companies without an established reputation.

11 TIPS FOR SAFE ONLINE SHOPPING

Let's face it, there's every reason in the world to shop online. The bargains are there. The selection is mind-boggling. The shopping is secure. Shipping is fast. Even returns are pretty easy, with the right etailers. Shopping has never been easier or more convenient for consumers. But what about the bad guys who lay in wait? IID's Third Quarter eCrime Report for 2011 indicates that use of phishing attacks (where thieves attempt to swindle you out of your sign-in credentials and even credit card info by pretending to be a real website, or even an online bank) is down, as much as eight percent since the second quarter and 11 percent since the third quarter of last year. That's great news—except the same report says sites with malware (malicious code aimed at compromising your privacy) has increased by 89 percent since the second quarter. Stay calm. While somewhat alarming, these stats should not keep you from shopping online. You simply need some common

sense and practical advice. Follow these basic guidelines and you can shop online with confidence. Here are 11 tips for staying safe online, so you can start checking off items on that holiday shopping list.

1. Use Familiar Websites Start at a trusted site rather than shopping with a search engine. Search results can be rigged to lead you astray, especially when you drift past the first few pages of links. If you know the site, chances are it's less likely to be a rip off. We all know Amazon.com and that it carries everything under the sun; likewise, just about every major retail outlet has an online store, from Target to Best Buy to Home Depot. Beware of misspellings or sites using a different top-level domain (.net instead of .com, for example)—those are the oldest tricks in the book. Yes, the sales on these sites might look enticing, but that's how they trick you into giving up your info. 2. Look for the Lock Never ever, ever buy anything online using your credit card from a site that doesn't have SSL (secure sockets layer) encryption installed—at the very least. You'll know if the site has SSL because the URL for the site will start with HTTPS:// (instead of just SITI ROKIAH BINTI HUSSHIN (GAO1719)

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HTTP://). An icon of a locked padlock will appear, typically in the status bar at the bottom of your web browser, or right next to the URL in the address bar. It depends on your browser. Never, ever give anyone your credit card over email. Ever. 3. Don't Tell All No online shopping store needs your social security number or your birthday to do business. However, if crooks get them, combined with your credit card number for purchases, they can do a lot of damage. The more they know, the easier it is to steal your identity. When possible, default to giving up the least amount of information. 4. Check Statements Don't wait for your bill to come at the end of the month. Go online regularly during the holiday season and look at electronic statements for your credit card, debit card, and checking accounts. Make sure you don't see any fraudulent charges, even originating from sites like PayPal. (After all, there's more than one way to get to your money.) If you do see something wrong, pick up the phone to address the matter quickly. In the case of credit cards, pay the bill only once you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems, however; after that, you might be liable for the charges anyway.

along. You need to protect against malware with regular updates to your anti-virus program. PCMag recommends Webroot SecureAnywhere Antivirus (4.5 stars, Editors' Choice, $39.95 direct), which has extras to help fight ID theft, or at the very least the free Ad-Aware Free Internet Security 9.0 (4.5 stars, Editors' Choice). 6. Use Strong Passwords We like to beat this dead horse about making sure to utilize uncrackable passwords, but it's never more important than when banking and shopping online. Our tips for creating a unique password can come in handy during a time of year when shopping around probably means creating new accounts on all sorts of e-commerce sites. 7. Think Mobile The National Retail Federation says that 5.7 percent of adults will use their mobile devices to do comparison shopping before making a purchase. (And 32.1 percent will comparison shop online with a computer, as well.) There's no real need to be any more nervous about shopping on a mobile device than online. The trick is to use apps provided directly by the retailers, like Amazon, Target, etc. Use the apps to find what you want and then make the purchase directly, without going to the store or the website. (For more complete information, be sure to also read our tips for shopping safely on a mobile device.)

5. Inoculate Your PC 8. Avoid Public Terminals Swindlers don't just sit around waiting for you to give them data; sometimes they give you a little something extra to help things

Hopefully we don't have to tell you it's a bad idea to use a public computer to make SITI ROKIAH BINTI HUSSHIN (GAO1719)

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purchases, but we still will. If you do, just remember to log out every time you use a public terminal, even if you were just checking email. What about using your own laptop to shop while you're out? It's one thing to hand over a credit card to get swiped at the checkout, but when you must enter the number and expiration date on a website while sitting in a public cafe, you're giving an over-the-shoulder snooper plenty of time to see the goods. At the very least, think like a gangster: Sit in the back, facing the door. 9. Privatize Your Wi-Fi If you do decide to go out with the laptop to shop, you'll need a Wi-Fi connection. Only use the wireless if you access the Web over a virtual private network (VPN) connection. If you don't get one from your employer, you can set up a free one with AnchorFree Hotspot Shield, if you're willing to put up with the ads, or pay $4.99 a month or $44.99 a year to skip the ads. There's even an iOS app version of Hotspot Shield, but that will cost you $.99 per month or $9.99 a year after the first seven days.

10. Count the Cards Gift cards are the most requested holiday gift every year, and this year will be no exception. Stick to the source when you buy one; scammers like to auction off gift cards on sites like eBay with little or no funds on them. 11. Know What's Too Good to Be True Once again, McAfee has compiled a Twelve Scams of Christmas list, all things to be aware of while shopping. The "coupon scam" offers of a free product with purchase, in particular an iPad (a very coveted gadget at any holiday) or even holiday job offers. Many of these "offers" will come in via social media. Beware even of your friends, who might innocently forward such a thing. Be very wary even if you get a message from friend claiming he or she has been robbed, especially a friend overseas looking for money to be wire transferred, unless you absolutely can confirm it by talking to him or her personally. Skepticism in most cases can go a long way toward saving you from a stolen card number.

By the way, now is not a good time to try out a hotspot you're unfamiliar with. Stick to known networks, even if they're free, like those found at Starbucks or Barnes & Noble stores that is powered by AT&T. Look for the network named "attwifi," then open a browser to click into the "walled garden" to get final access. You can also find free Wi-Fi at McDonalds, Panera Bread, and FedEx Office locations, not to mention libraries and local cafes.

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WHAT ARE THE MOST IMPORTANT REGULATIONS RELATED TO ONLINE SHOPPING?

Referring to the data of the trader, the process of concluding an electronic contract the Act CVIII of 2001 on certain aspects of electronic commerce and information society includes provisions, while the specific conditions of executing the right to withdrawal from the contract are regulated by the Government Decree 17/1999. In addition, the provisions of the Act CLV of 1997 on consumer protection, as well as those of the Act IV of 1959 on Civil Code also address online shopping.

THE BEST ONLINE SHOPPING SITES IN MALAYSIA

http://www.mudah.my/ Mudah.my is probably is the largest online marketplace in Malaysia, like an awesome, giant online ‘pasar malam’.

http://mall.easy.my/ The Malaysian web hosting giants ‘Exabytes’ brings forth their latest online mall innovation, ‘Easy.my’. My guess is that the name is a play of the super popular ‘Mudah.my’ (so. very. cunning.). The layout is really a breath of fresh air and it’s simple, clean design really makes shopping online a pleasant user experience. Items are categorised well and the endless scroll function on each of the product pages basically allows the user to browse to their heart’s content.

Lelong.com.my SITI ROKIAH BINTI HUSSHIN (GAO1719) 6

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One of the nation’s more popular online shopping sites, Lelong.com.my is like the Malaysian version of E-bay. It features Auctions, Sales, Quick Grabs, Hot Reserves, Hot Items, and many more. The whole idea of an auction site in Malaysia has really hit it big with the people. My guess is that people love getting good items at dirt cheapices, and this is the perfect place for it. http://www.zalora.com.my/ We present Malaysia’s No. 1 online fashion site. Without a doubt, clothing and fashion items are among the most sought items online. So we just had to feature this fashion site, for all you fashionistas out there like Ris Low.

http://www.pennyauction.com.my/ PennyAuction.com.my is a bidding fee auction site. It is a type of all-pay auction in which participants must pay a nonrefundable fee to place a small incremental bid. When the time expires, the last participant to have placed a bid wins the item and also pays the final bid price, which is purportedly significantly lower than the retail price of the item. They sell brand new premium products like laptops, TV’s, various IT gadgets and even cars. Its a great way for buying awesome items at ridiculously cheap prices. All it takes is a bit of luck and patience!

http://www.shoppingnsales.com/ Malaysians love a good sale so it would be crazy of us not to include this last addition. This is the No. 1 site that brings you all the hottest sales, best deals, shopping bargains and warehouse sales in Klang Valley, Malaysia. Feel up for some incredible bargains? This is definitely a bookmark worthy site.

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THE MOST IMPORTANT FACTOR WHEN BUYING ONLINE

free shipping 8%

4%

price

10% 40% 15%

Special promotions features

23%

Speed in store pick up

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