As we get into the holiday period we also enter into the busiest retail season of the year. This is the time when most people will spend a lot of time shopping and for some, travelling. This is also an excellent opportunity for thieves and fraud artists. This is why we encourage you take a few extra precautions.
Shopping at the mall:
Even though you will feel rushed and think there is a thousand things left to be done, try to remain focus and alert to your surroundings. Pay attention to the road conditions and other drivers.
When parking your vehicle in a mall. Become familiar with your surroundings. There are a lot of car break ins. If you decide to drop off purchases at your car, take a few minutes to get into your car and drive it to a different location. Often, thieves will wait to see who drops off items in their car and wait for the person to leave before they break in the vehicle to steal the items. Also, if shopping at night, try to park in a well lit area.
When paying with a credit or debit card, never lose sight of your card. Whenever possible, swipe your card yourself rather than giving it to the cashier. Never leave receipts at bank machines, bank wickets, in trash cans or at unattended gasoline pumps. Shred all paperwork that you no longer need.
Do not keep a written record of your bank PIN number(s) or your social insurance number in your wallet or hand bag.
Shopping on-line:
Shop only from your home computer - it's much safer than shopping at a terminal in an internet café or library. If you plan to buy something, go directly to a store's website by manually typing its address into your web browser. Don't click on links in an e-mail message even if you know who sent it. Verify secure connections. When shopping on-line, do not enter any financial information if you see a broken-key or open padlock symbol on your Internet browser. This means the transaction is not secure and could be intercepted by a third party. When the key is complete or the padlock is locked, your browser is indicating a secure transaction.
Consider using a company acting as escrow (reliable third party), a credit card with a low credit limit or a single use payment card. Unlike secure order forms on a web site, e-mail messages are not private. Do not send confidential personal or financial information by e-mail.
Avoid spam (unsolicited marketing e-mail) by being careful about disclosing your e-mail address both on and off-line. Monitor your bank and credit card and statements on-line. Electronic statements allow you to review your purchases and payments as they happen rather than waiting until the end of the month to review your paper statement. Immediately report any discrepancies to your bank or to the company that issued the credit card.
Other tips:
Promptly remove mail from your mailbox after delivery and do not leave pieces of mail lying around your residence or office. Shred or otherwise destroy pre-approved credit card applications, credit card receipts, bills and related information when they're no longer needed.
Do not provide personal information such as your SIN, date of birth, credit card numbers, or PIN over the telephone or via e-mail. There are more secure methods for providing this valuable information when it is legitimately required. Avoid mail or telephone solicitations disguised as promotions. Criminals involved in this type of scam typically offer you an instant prize or an award for the purpose of obtaining personal information, such as your credit card numbers.
If you're travelling:
Have someone look after you house in your absence or at least, have someone pick up your mail and shovel your walkway Cancel your paper route. Use timers for your indoor and exterior lights.
This holiday season, be very careful with your personal information. If, despite your best efforts, you feel you've been victimized by a scam or a fraud, you should report it immediately to your local police service. If you have information about a crime contact Crime Stoppers;
613(233) TIPS, that's (613)233-8477 or toll free 1-800-222-8477.
www.crimestoppers.org