Consumer Tips

A big part of being a smart consumer is being an informed one. Follow these savvy shopping tips to protect your wallet and your privacy.   Shop wisely. Be clear about what you want and read product specifications. Marketing is geared to get you to buy so it is important to understand the product you are purchasing and the terms of the sale to ensure you are getting what you want.  Comparison shop and spend wisely. Search other websites or retailers to compare price, quality, return policies, delivery cost and speed. Buying the “cheapest” advertised price may cost you more when you factor in delivery charges in the short term or return policies in the long term.  Beware of frauds and scams. Scammers are everywhere and never miss an opportunity to make money off someone’s misplaced trust or ignorance. Always remember, if the deal sounds too good to be true, it probably is.  

Shop on trusted sites with retailers known to you. In the era of social media marketing and influencers, consumers are more exposed to sham businesses that advertise a premier product but only deliver a low-quality version of the advertised item, if they deliver anything at all. Use caution on trusted sites that host items for third-party sellers.  Beware of third-party vendors. If redirected from a trusted site to a third-party site, read the seller’s policies, review ratings, read consumer comments and most importantly do a broad internet search before making your purchase. Trusted retailers who host third-party sellers do not warranty their sales, thus you could get a substandard product or no product at all when you take the risk and purchase from an unknown third-party vendor.  Do your research if you want to try a new site or retailer. Performing a broad internet search will provide you with important feedback from other customers. Are there any reviews? How is the company responding to its customers? Read the comments within any social media advertisements. This will help you assess what to expect if something goes wrong.  Protect your privacy. Our devices are generally defaulted to share the maximum amount of data as possible. Take precautions and make changes to your settings to limit the personal data you share.  When using credit cards to shop online, check the website’s encryption. Before entering your credit card information, make sure that the website’s address begins with “https” and that there is a closed lock or unbroken key symbol in the lower portion of your window or up on the website address bar.  Don’t keep the credit card on file for future purchases. Provide your credit card number each time you make a purchase.  Designate one credit card and one email address for online shopping. This will allow for easy review of purchases and provide protection in case of a dispute. 

Protect your passwords. The key to safe passwords is to update them regularly and make them unique. Try using a passphrase instead of a password and include special characters and numbers. If it’s difficult to remember so many passwords, try a password manager with multi-step authentication to manage your passwords.  Avoid autofill. Saving usernames, passwords, and credit card information on your device saves time. Unfortunately, it also makes it easier for thieves to get access to that information if they access your account or device. Re-entering important information each time – as opposed to autofill – is an extra step to safeguard personal information.  Check social media logins. Many apps allow you to use your social media credential to create a new account on their platform, but when you stop using those apps, your social media accounts still have access to the information. Once a year, check the list of apps that you access through your social media account and delete any you do not recognize or no longer use.  Secure your connections. Do your shopping while connected to a secure network, rather than public WiFi or an unknown WiFi server. Public WiFi does not mask any information, even if a website or app seems secure. Usernames, passwords, credit card and account information can be easily seen by hackers who are logged into the same network. On home networks, keep operating systems and antivirus software up to date with the latest security patches and ensure the network has a strong password. 

Location, location, location. Your device will broadcast your location-unless you tell it not to. Location settings can be tricky –sometimes you may want to use apps that tell you what is around, like restaurants and addresses. However, by regularly broadcasting your location, you not only inadvertently give away your personal information, you also drain your phone battery. Check your location settings for apps and software –either turn them off or make the location only available when the app is active.  Block cameras and microphones. Cameras and microphones are a part of every phone but live independently. When you lock a phone, it does NOT lock the camera or microphone. Any apps can access either the camera, microphone or both whether or not the phone is locked. Go into your settings for each of your apps to limit or stop access to cameras and/or microphones and prevent unwanted surveillance.   Passcode protect your devices. Most people are permanently connected with their phones, tablets and other devices. But at some point, we put them down. All it takes is a few seconds for someone to grab it and take a peek. Biometrics(finger prints or facial recognition) can help with additional security. However, the key to passcodes is to make the passcode unique (rather than “1234”)and update them frequently.   Don’t become the product. Everything you do on your computer or device creates a digital imprint. That information is often compiled, tracked and sold to interested parties to better market products directly to you. This new platform can create psychological marketing plans and often get consumers to buy more than normal. You can shut this feature off for your devices. Go to your device’s main settings and look for the settings marked “Privacy.” In your “Settings,” look at the settings for each app. There are also sometimes settings within an app-particularly for social media-where there are more options for privacy within the application. For those types of apps, you should open the app and adjust those settings since those apps and software can still gather other information, even if information collection is turned off on the phone.   Check your privacy settings. Many apps, services and software have additional privacy settings, particularly those related to social media networks. To review, go into the “Settings” menu for each app, service and software program and see what “In Device” settings you can review. Review these app settings annually to catch any new setting changes. For instance, your internet and cell phone providers track your usage but sometimes you can limit what they have access to by adjusting the settings. 

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Price gouging occurs when a supplier of goods or services takes advantage of an extreme event by sharply raising prices on essential items to take advantage of high demand. New York State Law prohibits price gouging, and provides that “during any abnormal disruption of the market for goods and services vital and necessary for the health, safety and welfare of consumers or the general public, no party within the chain of distribution of such goods or services or both shall sell or offer to sell any such goods or services or both for an amount which represents an unconscionably excessive price.” (New York State General Business Law §396-r).

Price gouging complaints may be filed against distributors, vendors, retailers and suppliers doing business in New York State.

If you are affected by a significant increase in prices during an abnormal disruption of the market, such as extreme weather, natural disasters, failure or shortage of electric power or other sources of energy, strike, civil disorder war, military action, national or local emergency, drug shortage, or other cause of an abnormal disruption of the market which results in the declaration of a state of emergency by the governor, and believe you are  experiencing price gouging, the Division encourages you to report it by filing a complaint with the New York State Office of the Attorney General (OAG), which is the New York State agency charged with enforcing of the price gouging law. When reporting suspected price gouging to the OAG, be ready to:

• Report the specific increased prices, dates, and places where you saw the increased prices; and
• Provide copies of your sales receipts and photos of the advertised prices, if available.