As the holiday season reaches its peak, shoppers everywhere are on the hunt for the best online deals! However, it is essential to exercise caution while shopping online to avoid falling victim to scams that promise incredible offers (which often turn out to be too good to be true). The excitement of the season can lead us to lower our guard regarding cyber security. Fast shipping options can tempt last-minute shoppers, a rare buy-one-get-one (BOGO) deal may attract budget-conscious buyers, and an ad for a unique gift might catch the eye of someone searching for the perfect present. Here are some tips to help protect all gift-givers from cyber criminals:

• Remember to shop on reputable websites and look for signs of security, such as HTTPS and padlock icons in the address bar. Do not click on links on social networking sites that appear to be too good to be true.
• Do not use public Wi-Fi (such as the coffee shop) when doing your online shopping.
• Be alert to any email scammers that may send viruses and malware under the disguise of an exclusive offer or “free gift”. Never give out personal information in exchange for a special promotion.
• Consider using a password manager to create nearly and keep track of strong passwords.
• Reading reviews and checking seller ratings can also help ensure a safe shopping experience.
• Using secure payment methods, like credit cards or payment services with buyer protection, adds an extra layer of security.
• Keep track of your purchases and check your statements regularly for any unauthorized transactions.

By following these steps, you can help ensure that your holiday shopping stays safe and stress-free. While the internet is a convenient way to find the perfect gifts, it is important to protect your personal and financial information. Stay aware of potential scams and take proactive measures to guard against them. With a little caution, you can enjoy a secure and successful holiday shopping experience—without the worry of falling victim to cybercrime.

Dave Long is chief technology officer at F&M Trust.