Terms and Conditions

Safe internet transactions/shopping virtually and with your cards:

1. Please beware of possible internet frauds, persuasive and attractive traps of hackers.
2. Keep software updated (operating system and browsers) because malicious hackers are very clever and have found vulnerabilities in software’s (windows and browsers). Please ensure that operating and browser software’s are kept up-to-date using legitimate upgrades and patches issued by the legitimate software vendors.
3. Ensure your computer has up-to-date anti-virus software and firewall installed. Firewalls can monitor both incoming and outgoing internet traffic and anti-virus will protect your computer against Trojan and Worm attacks.
4. Ensure sure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install the software’s on your computer. See point 15.
5. 2 of the most popular browsers are Microsoft Internet Explorer and Firefox. Check that you are using a recent version. You can usually download the latest version from these browser websites.
6. Only shop at secure websites. Ensure that the security icon, the locked padlock or unbroken key symbol is appearing in the bottom right of your browser window before sending your card details.
7. The beginning of the retailer’s internet address will change from ‘http’ to ‘https’ when a purchase is made using a secure connection.
8. Use sites you can trust, for example, the sites you know or that have been recommended to you or that carry the Trust logo.
9. Click on the security icon to ensure that the retailer has a valid encryption certificate. The address on this certificate should conform to the address on the address bar. The certificate should ensure the identity of the website and the current day’s date should be within the validity dates of the certificate.
10. Keep your personal information safe. Always be wary of emails asking you to click on a link or confirm your details. Reputable retailers, banks etc. would never ask you to disclose or confirm sensitive personal or security information, including your PIN. If in doubt, call the organization.
11. Avoid signing up for junk mail. This may result in pre-filled application forms being sent to an address long after you have moved out.
12. Print out your order and keep copies of the retailer’s terms and conditions returns policy, delivery conditions, postal address (not a post office box) and phone number (not a mobile number). There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad. When buying from overseas remember that it may be difficult to seek redress if problems arise, but having all the aforementioned information will help us address your case if you subsequently have any difficulties.
13. Ensure you are fully aware of any payment commitments you are entering into, whether you are instructing a single payment or a series of payments.
14. In case, you pay your utility bills using virtual banking facility, ensure that username, customer ID, the amount billed are exactly the same as the bill sent to you by your company. The transaction receipt may be saved on the hard disk and may be printed as well. It can be referred to 16 in case of a mismatch with the internet transaction history or already paid bill may reappear in the next billing cycle.
15. If you have any doubts about giving your card details, use another method of payment.
16. If you regularly make transactions over the internet, consider opening a separate Credit Card Account specifically for these transactions.
17. Keep your passwords secret. Some online stores may require you to register with them via username and password before buying. Online passwords should be kept secret from outside parties in the same way you protect your card PIN. Keep the login information safe and secret.
18. Never send payment information via email. Information that travels over the internet (such as email) is not fully protected from being read by outside parties. The most reputable merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.
19. Never click on hyperlinks within emails. If you are sure that the company is genuine then directly type in the URL in the internet browser address bar, or call the company on a contact number previously verified or known to be genuine.
20. Do not let websites or merchants store your card information. The exchange of encrypted transactions is more secure than allowing your card information to be stored on some website.
21. Do not make online transactions using public computers. Public computers might have ‘keyloggers’ (programs that record what you are typing) and other spyware to retrieve sensitive information.
22. Avoid making online transactions in ‘Wi-Fi’ wireless spots present in restaurants, coffee shops, malls etc., as they are relatively insecure and information can easily be intercepted by persons with malicious intent.