Shopping online can be a quick, easy and fun way to avoid the rat race of malls and big box stores. But it also carries with it certain risks if not done safely. The Interac Association recently released several consumer tips to help create a safe, online shopping environment:

1. Connect securely: Before you begin your online shopping, make sure you have a secure, password-encrypted connection and the latest security software installed on your computer. Avoid making online purchases through an unsecured or borrowed Internet connection.

2. Follow your instincts: While there are many legitimate online merchants, trust your instincts and avoid making a purchase over the Internet if you have concerns about a specific website.

3. Check the URL: Always type a merchant's website URL directly into your browser instead of clicking on a third party link (such as a link embedded in an email advertisement), which may be a phishing attempt directing you to a fraudulent website. Reputable merchants offer secure browsing, indicated by an https link or SSL certificate.

4. Read the privacy policy: Once you've selected goods or services to buy online, always check the small print. What is the merchant's privacy policy? Will the merchant withhold any of your personal information? This should be addressed clearly on the website.

5. Save a record of the purchase: Print and file a copy of your receipt, as well as the merchant's terms and conditions, should you need to return the product or consult the warranty.

6. Examine your purchase: Once you receive your purchase, inspect it to ensure it is exactly what you purchased and did not incur damage during shipping.