Transacting Online

What does the padlock icon and 'https://' in a website address tell you before entering payment details?

• AThe website is owned by a UK company
• BThe connection is encrypted, meaning your payment details are transmitted securely✓
• CThe website has been approved by the government
• DThe website offers the best prices

Answer: HTTPS with a padlock means your data is encrypted in transit, an essential minimum before entering card details on any website.

What is an 'online shopping basket' or 'cart'?

• AA folder where confirmation emails are stored
• BA virtual holding area where you add items before proceeding to pay✓
• CA list of your recent purchases
• DA record of items you have viewed

Answer: The shopping basket or cart holds your selected items while you browse, allowing you to review and adjust your order before checkout.

What information should you check before completing an online purchase?

• AThe website's social media following
• BThe total price, delivery costs, return policy, and that the website is legitimate✓
• CHow many products the seller has listed
• DWhether the seller has a phone number

Answer: Before buying, confirm the full price (including delivery), understand the returns policy, and verify the website is genuine to avoid scams.

What is PayPal or a similar service?

• AA type of online bank that replaces your current account
• BAn online payment service that allows you to pay without sharing your card details directly with the seller✓
• CA credit card issued for online purchases only
• DA government-backed savings account

Answer: Services like PayPal act as an intermediary, so sellers never see your actual card number, adding a layer of security to online transactions.

What is a 'confirmation email' after an online purchase?

• AAn email asking you to pay again
• BA record of your order details sent to confirm the transaction was successful✓
• CAn email to rate the product before it arrives
• DMarketing from the seller for future purchases

Answer: A confirmation email is a receipt of your order, typically listing items, price, delivery address and estimated delivery — keep it for your records.

What is 'online banking'?

• ABuying financial products on auction sites
• BManaging your bank account via a website or app, including checking balances and making transfers✓
• CApplying for a mortgage online
• DA service for converting currencies online

Answer: Online banking allows you to access your account, check your balance, make payments, and manage finances through a secure website or mobile app.

What should you do if you notice an unexpected transaction on your bank statement?

• AWait to see if it corrects itself
• BContact your bank immediately to report it as potentially fraudulent✓
• CChange your email password
• DDelete your online banking app

Answer: Unfamiliar transactions should be reported to your bank immediately. The sooner you report fraud, the more likely you are to recover your money.

What is a 'cookie consent' banner on a website?

• AA notification that the website sells food products
• BA notice informing you about cookies the website uses and asking for your agreement✓
• CA pop-up offering a discount
• DA security check to confirm you are human

Answer: Cookie consent banners inform visitors about cookies used on the site and, under GDPR, require consent for non-essential cookies.

What does 'GDPR' stand for in the context of online data?

• AGeneral Data Privacy Regulations
• BGeneral Data Protection Regulation✓
• CGlobal Digital Privacy Rights
• DGovernment Data Processing Rules

Answer: GDPR (General Data Protection Regulation) is UK and EU law that governs how organisations collect, store, and use personal data.

Under GDPR, what right do you have regarding your personal data held by a company?

• AYou can demand they delete all data about you immediately
• BYou have the right to access the data held about you, and in certain circumstances to have it deleted✓
• CYou can sell your data to other companies
• DYou have no rights once you have accepted their terms

Answer: GDPR gives individuals rights including access to their data (Subject Access Request) and the right to erasure (right to be forgotten) in certain circumstances.

What is an 'online form' used for?

• ATo edit documents online
• BTo collect information digitally, such as for registration, applications or feedback✓
• CTo store passwords safely
• DTo send money to a business

Answer: Online forms collect information through fields you fill in — used for everything from registering on a website to completing a job application.

When completing an online form, what does a field marked with an asterisk (*) typically indicate?

• AThe field is optional
• BThe field is required and must be completed✓
• CThe field contains sensitive information
• DThe field links to additional information

Answer: An asterisk next to a field label indicates that the field is mandatory — the form will not submit without it being completed.