Many online shopping portals have made their online presence recently .The recent trend suggests that this phenomenon is going to stay for long for various inherent advantages available for consumers. Let’s see what those advantages are.
People can identify the products sitting comfortably in cozy and homely atmosphere of their home or office and all family members can enjoy shopping.
They can compare various features of the products at one location and without interference of anyone, who can influence their selection.
They can clarify their doubts and fully satisfy themselves prior to finalizing the products.
They can see all available colors/designs and make final selection.
They can see various ratings like customer satisfaction, delivery time etc. about the intended purchasing and then finalize the same.
They can even see the products catalogue which they will never be shown in any shop either due to various reasons including financial or social status etc.
They get huge discounts on various products due to elimination of Distributor/Dealer network and many promotional ongoing schemes which rarely reach to the end users etc.
Many products provide for free trial for specified time period without any additional charges in case consumer wants to return the product.
Free home delivery is available and payment on delivery facility is also available on many products.
10) It saves travelling time/parking tensions/rush at busy hours and long wait for being served by salesman etc.
11) They may even get 15-20 days payment credit by some shopping portals and also some reward points etc.
So when such huge advantages are available for consumers why someone will complain about the very existence of online portals? But there is darker side of these online shopping portals also which needs to be brought to notice of the consumers.
Though advantages of online shopping portals can not be undermined there are some inherent risks and which needs to be highlighted.
How many people can make a choice about which is safe portal and which is unsafe?
How many people know that there are many fraudulent online shopping portals in existence?
How many of us believe that there are legal provisions for regularizing the online shopping portals?
How many of us know that many web portals are selling stolen or counterfeit goods?
How many of us are sure about the quality or genuineness about the products sold through online portals?
How many of us know what remedy is available if something goes wrong while carrying out online shopping?
How many of us are sure that details provided by us to the online shopping portals will not be misused? And what if the details contain your sensitive personal information including your banking details etc.?
Are there any provisions for mentioning names and physical addresses of administrator, compliance or grievance officer etc. on online shopping portals?
When consumers are cheated by such on line transactions is there any mechanism in place or any remedial measures available to consumers?
10) How to find out authenticity and reliability of any website?
11) What precautions should be taken for safe online payment transfer?
12) Do police entertain complaints against online shopping frauds or cite inability to act due to geographical constraints?
13) Like Consumer protection act do consumers have any grievance redressal mechanism available in case of online shopping complaint?
14) Does online shopping portals are subject to any taxes from Government?
15) Does there is scope for Tax evasion by this medium?
16) Does there is prohibition of sale of banned items through online portals in specific geography? Can it be effectively monitored?
17) Does Government have any monitoring mechanism to control or regulate Online shopping mechanism?
18) Does online portals violate of principles of Fundamental Rights of Equality as they don’t have any regulatory mechanism whereas offline Retailers/Traders have been subjected to various regulatory mechanisms like shop and establishment act, registration of firms etc.
19) Does online shopping portals are a posing a big threat to various self employed Distributors/Dealers/Retailers/Resellers/Vendors/Hawkers and many more sections of the society? Will this lead to serious unemployment problem in India?
20) Do we face risk of Data invasion while shopping through online portals? Does our digital footprints are saved and processed for our own exploitation?
21) What rights these shopping portals have to invade into someone’s Privacy?
More and more such questions needs to be answered.
The online shopping portals are new welcome phenomenon but it should be monitored and controlled so as to protect rights of consumers. For offline stores there are various legal provisions but for online shopping portals there are none and these amounts to discrimination which needs serious debate and discussions.
My sincere urge is for healthy discussion about the existing provisions for hosting and conducting business through online shopping portals and in case of non availability of such rules and regulations how to frame the necessary regulations at the earliest in the interest of protection of various consumers from such few fraudulent online shopping portals.
NAGPUR CYBER SECURITY SUMMIT 2014
Written by Adv.Mahendra Limaye
Wednesday, 03 September 2014 04:27
Cyber Security awareness in India is at low ebb and this is evident by exponential growth in cyber crime rate. College students are having tremendous talent and potential to provide security solutions but unfortunately their talent is not properly harnessed and channelized.
Cyber Awareness Organisation (CAO) is in its Sixth year of operation and spearheaded by Advocate Mahendra Limaye, A Techno legal professional. CAO has conducted 150+ seminars till date on various topics including Cyber awareness, Cyber security, Cyber Laws, Investigation procedures, Data recovery etc.
CAO has also successfully organized NagpurCyber security Summit 2011 and 2012 and Jabalpur Cyber Security Summit 2012 with support of RTTC, Nagpur and Nagpur Cyber security Summit 2013 with Raisoni Law School. All the summits were very well attended and participants were immensely benefitted by the knowledge shared by speakers including Mr.Mohit Bhishikar CISO PERSISTENT SYSTEMS (2013 SUMMIT), Mr.Rizwan Ahmed VP QM Computech Infosolutions (2013 SUMMIT) Mr.Rakshit TandonCEO TSP Agra (2012/2011 SUMMIT), Mr.N.VijayshankerFounder Cyber law College Bangalore (2012/2011 SUMMIT), Adv.Rodney Ryder Partner Scriboard Delhi (2012 SUMMIT), and Adv.Mahendra Limaye President CYBER AWARENESS ORGANISATION etc.
We propose to hold Nagpur Cyber Security Summit 2014 in September/October 2014.
The tentative itinerary of the summit and reports of previous three summits are enclosed along with. Kindly let us know how you can cooperate in making this summit a grand success and spread message of Cyber awareness to the computer and mobile users at large.
NAGPUR CYBER SECURITY SUMMIT 2014 ITINERARY
Proposed dates 7, 8, 9 November 2014.
7 November 2014
Inaugaration 10 am to 11.30 am
Tea Break 11.30 am to 11.45 am
Session A (Legal) 11.45 am to 1.15 pm
LUNCH 1.15 pm to 2.15 pm
Session B (Technical) 2.15 pm to 3.45 pm
Session C (Technical) 3.45 pm to 5.15 pm.
8 November 2014
Pre Lunch - Technical sessions (Demo/Presentation)
Post Lunch- Paper presentation/Poster Presentation by students
9 November 2014
Cyber Awareness Quiz for school Students.
Key note speech followed by Open session for Parents/Teachers regarding Cyber Security Awareness
For sponsorship or stall booking contact
or 09822737181 or 09422109619.
Last Updated on Wednesday, 03 September 2014 04:29
Brief Analysis of NCRB 2013 REPORT ON CYBER CRIMES in India.
Written by Advocate Mahendra Limaye
Sunday, 13 July 2014 12:02
Chapter 18 of NCRB elaborates about CYBER CRIMES in India in 2013.
Important findings about CYBER CRIMES in India in 2013 are as below.
1) 122.5 % growth in 2013 compared with 2012.Total cyber crimes in 2013, 4356 against 2876 in 2012.
2) Andaman and Nicobar tops with 800% growth followed by Uttarakhand 475% and Assam by 450%. Maharashtra reported only 44% growth.
3) Highest crimes in numbers i.e. 681,635,513 and 372 reported in Maharashtra, A.P., Karnataka and Uttar Pradesh respectively. Delhi alone reported 131 crimes.
4) Tamilnadu (1700%) and Bihar (1551%) tops in registering Cyber Crimes under sections of IPC shows lack of training to Police Staff regarding Information Technology Act.
5) Surprisingly Maharashtra also reported growth of 151% for registering Cyber Crimes in IPC sections whereas Karnataka shown negative growth of 20% but Goa was way ahead by -50% growths in wrong registering.
6) Chandigarh U/T shown whopping -70% negative growths in cyber crimes followed by Gujarat (-10%) and Bihar (0%).
7) Out of 52 cities whose data was publishes Bhopal shown 1800% growth (1 to 19) followed by Indore 460% (2 to 28) and Kota (1 to 5) and Vasai Virar (2 to 10) 400% respectively.
8) Bengaluru topped with 399 Cyber crimes followed by Visakapattanam (173) and Hyderabad (159).Pune registered 97, Mumbai registered 40 and Nagpur registered 23 Cyber crimes in 2013.
9) Nagpur reported negative 4.3% growth in registering Cyber Crimes since in 2013, 23 crimes were registered as compared to 24 in 2012.Some credit may be given to CYBER AWARENESS ORGANISATION for spreading CYBER AWARENESS among many netizens.
10) Total 45 people below 18 were arrested for Cyber crimes whereas 1190,722,131 and 10 persons were arrested between age groups 18-30, 30-45, 45-60 and above 60 years. Almost 50% arrested persons are between age group 18-30 and 35% are between age group 30-45 making @ 85 Cyber criminals in age group 18 to 45.
11) Out of 5693 cases registered across India in 79 cases involvement of Foreign Nationals/Foreign groups were identified whereas in 749 cases neighbors/relatives were involved and in 420 cases crackers/professionals/students involvement were identified. Surprisingly the NCRB report identifies maximum 4175 matters in others category.
Last Updated on Sunday, 13 July 2014 12:04
Information Technology Act providing much needed relief to cyber crime victims.
Written by adv.Mahendra Limaye
Wednesday, 23 July 2014 09:32
With thousands of confirmed data breacheslast year, the security of the financial services is a topic of concern for all security professionals. Organized fraud rings are constantly coming up with imaginative new methods of stealing funds and identities and consumers are increasingly losing confidence that there is anything that can be done to reverse these trends and protect their interests. This is also evident with the increase in number of cases registered for compensation under civil remedies provided by Information Technology Act with Adjudicating Officer. The Maharashtra Adjudicating has received 11, 44 and 30cases in 2012, 2013 and 2014(till June 2014) respectively. Though very few people are aware about Civil remedies the increase in frauds are sending shivers to Banks since they are made liable to pay compensation under section 43A of Information Technology Act for failure in protecting Sensitive Personal information of the customers. As most of the victims preferring non- reporting of the incident except to their respective banker those few who report the card fraud incident to Police often believe that crime committed against them is of criminal nature only and hence they can not get their lost money back. They are thus required to be made aware about available civil remedy under Information Technology Act.
As per RBI April 2014 statistics with about 40 crore debit/credit cards issued across India and 85000 and 77500 Online and Offline ATM’s installations Indian card holders are most vulnerable to various cyber financial attacks. With 554034275 actual ATM transactions amounting Rs.1743462.56 millions and 56266452 POS (Point of Sale) transactions amounting Rs.86847.83 millions, Indian card users are required to be taught more and more about security and protection of their sensitive personal information.
Aite Group , an independent research and advisory firm having Head office in Boston, with expertise in banking, payments, securities & investments, and insurance, delivered its comprehensive survey report titled “Global Consumers: Losing Confidence in the Battle against Fraud” regarding various categories of online frauds in June 2014.This report, based on a Q1 2014 ACI Worldwide study of 6,159 consumers in 20 countries, provides an overview of respondents' attitudes toward various types of financial fraud and discusses the actions they may take subsequent to a fraud experience.
The salient features of the findings are as below.
Of all cardholders—debit, credit, and prepaid—27% have experienced card fraud in the past five years.
After experiencing fraud, 63% of consumers use their card less, at least in some situations, than they used their card previously.
In 2014, 14% of debit and credit card holders cite having experienced fraud multiple times during the past five years.
Of cardholders who received replacement cards as a result of a data breach or fraudulent activity in the past year, 43% used the new card less than the original.
Consumers who are dissatisfied with how they are treated by their financial institution after experiencing fraud sometimes change providers, resulting in a global attrition rate of 23%.
Fifty-five percent of respondents are "very concerned" about reclaiming their financial identity if they become a victim of identity theft; this represents a twofold increase in consumers with this level of concern from 2011.
Eighteen percent of global consumers lack confidence that their financial institution can protect them against fraud.
Forty-nine percent of global consumers exhibit at least one risky behavior, which puts them at higher risk of financial fraud.
The study was conducted in a total of 20 countries in the following regions:
The Americas (North and South America): Brazil, Canada, Mexico, and the United States. MEA (Europe, the Middle East, and Africa): France, Germany, Italy, the Netherlands, Poland, Russia, South Africa, Sweden, the United Arab Emirates, and the United Kingdom. The Asia-Pacific: Australia, China, India, Indonesia, New Zealand, and Singapore.
In total, 6,159 consumers were included in the research: approximately 300 consumers, divided equally between men and women, participated in each of the 20 countries. Of the total, 6,041 own one or more type of payment card (i.e., credit card, debit card, prepaid card).
41% Indian card users have Experienced Card Fraud in the Past 5 Years, @ 10% increase over 2012. The United Arab Emirates (UAE) has the highest rate of fraud overall at 44%, followed by China at 42%, and India and the United States at 41% each.
Consumers in the UAE experience the highest rate of credit card fraud at 39%, followed by the United States at 36%. Sweden is the only country surveyed for which credit card fraud is in the single digits—8%; it is important to note that consumers in countries such as Sweden, Poland, and Germany are low users of credit cards. Consumers in the Netherlands also enjoy a low rate of credit card fraud; only one consumer in 10 experienced it in the past five years.32% Indians have experienced Credit card fraud which is @ 15% more as compared with 2012.
Consumers in China experience by far the highest debit card fraud rate at 30%, followed by India at 23%, and Mexico at 20%. The United States is in fourth place again at 18%.
The highest rate of fraud on prepaid cards is experienced by consumers in India at 18%, followed by China at 17%, Indonesia at 11%, and Italy and Singapore at 10%.
Consumer behavior in Australia and New Zealand tend to be far less risky than the rest of the Asia-Pacific. The very low percentages of consumers who carry their PIN with a card (India topping with 25%) or respond to emails and calls asking for bank account information(India topping with 22%) more closely resemble consumers in the Americas and EMEA than the other countries in the Asia-Pacific. Over 20% of consumers in all countries leave smart phones unlocked when not in use (India tops with 29%) and 28% Indian users throw documents with bank account numbers in the trash. In all countries except Australia and New Zealand, over 20% of consumer’s bank or shop online on computers without security software or on public computers but unfortunately India again tops with whopping 31% users.
This implies a lack of consumer education or a lack of belief by consumers that their behavior really has an impact on the likelihood of fraud. Educating consumers about risky behavior and the need to avoid them can help reduce fraud incidents and help consumers feel some element of control and confidence over their ability to protect themselves from becoming a victim of fraud.
High percentages of consumers were unhappy after their fraud experience: 33% were at least somewhat unhappy in Singapore, 40% in China, 50% in Indonesia, and 56% in India should be cause of concern for Indian financial institutions. In China, India, and Indonesia, between 44% and 58% of consumers switch financial institutions after their fraud experience. These very high rates of customer attrition are very costly to financial institutions.
Consumers in India have the most confidence that their financial institution can protect them against fraud—43% feel absolute confidence in such protection, and an additional 46% feel the financial institution is doing all it can to protect them. No more than 25% of consumers in other countries express absolute confidence in the financial institution's ability to protect them.
Consumers are putting their personal and financial data at risk when they act in risky ways, and they deserve better education related to protecting themselves against fraud. Encouraging consumers to work with their financial institution to protect themselves is a true win-win scenario. Financial institutions can lower customer attrition rates and back-of-wallet behavior through better consumer communication and education.
Recommendations by AITE group for financial institutions 1) Educate and engage consumers: Help consumers understand how they can help protect themselves against fraud, and work with the financial institution to combat it.2) Provide specific examples: Consumers do not understand the importance of avoiding risky behavior such as shopping online on a public computer or not securing their Smartphone or tablet when it is not in use. Public computers or those without adequate security software put consumers’ personal and financial data a high risk of being stolen. As adoption of mobile wallets and online banking increases, securing mobile devices is increasingly important. 3) Communicate more effectively: Ensure consumers understand that replacement cards are safe to use, even after a data breach. Make fraud protection protocols easy to understand and available at all customer touch points (i.e., online, contact centers, mailers, etc.).4) Improve customer service: After experiencing fraud, consumers may be traumatized or emotional. Ensure agents are sympathetic and helpful to the greatest extent possible in order to retain victimized customers.
Advocate Mahendra Limaye a noted Cyber Legal Expert opinioned that all banks must undertake Customer Awareness initiatives to educate card holders about current trends used by Cyber criminals to lure them and how to keep their personal sensitive information most secured. Cyber Awareness Organisation has launched CYBER CRIME HELPLINE to impart free advice to such cyber fraud victims.
AN OPEN E-MAIL TO MY PRIME MINISTER
Written by Advocate Mahendra Limaye
Monday, 26 May 2014 04:33
Respected Mr.Narendra Modiji,
Hearty congratulations for your grand victory in Loksabha polls. The contribution social media played in your victory may be debated on many forums hence forth but you were the most prominent political leader who used it to optimal. The result of such canvassing through social media may be one of the factors which lead to your exceptional success.
So it’s proven fact that youths of India are well responsive to social media. If some statistics are to believed then @60% of the teens, almost all youths, @40% middle aged persons and 20% senior citizens in India are connected to various online activities may it be mobiles, social media ,e-banking , online shopping so on and so forth.
But there is darker side of this online activity which should not be derelict. Today online activities are becoming very perilous and precarious to be relied upon. The Cyber Criminals are using this medium for their proceeds and ordinary, ill-educated and ill-equipped users are very easily falling in various traps. There are national as well as international cyber criminals and also state sponsored cyber criminals involved in most of these activities who are technologically more sophisticated equipped and backed by certain groups/organisation or even states.
May it be lottery mail, phishing fraud, banking fraud or credit card fraud the loss is only pecuniary in nature. But when it extends to defamation, pornography, abuse, extortion the consequences become more severe in nature and even lead to loss of life. And through web jacking, posting something which may lead to communal tension or communal hatred, Denial of service attacks on government websites there can be internal disturbances or tense relations with neighboring states or even cyber war within the globe and overall outcome would be huge loss of life or even threat to sovereignty of our motherland.
This is cause of worry for a common netizen like me because none of the people at high places are yet convinced that CYBER CRIMINLAS are capable of causing damages to this much extent. They have even failed to acknowledge CYBER CRIME as a serious and most eminent threat to sovereignty and integrity of the state. Forget about diagnosing the root cause of this possibility and preparing themselves for providing the much needed solutions.
This sheer apathy towards registration, investigation and subsequent arrests and trials in the matters of CYBER CRIMES by LAW ENFORCEMENT AGENCIES, have raised morals of Cyber criminals very high and demoralized entire community of cyber crime victims. And this is the situation I am most worried for!!!!!!
This e-mail is an effort to draw your and in turn of all the concerned bureaucracy’s attention towards most burning issue called as CYBER CRIMES.
It’s too early to expect some action from my prime minister but I am confident that my Prime Minister will certainly take a decisive action in curbing CYBER CRIMES by speedy and simplified registration procedure for CYBER CRIMES, proper investigation with aid of cyber forensics techniques available and speedy trials for putting these Cyber Criminals behind the bar. Also there should be nation wide CYBER AWARENESS CAMPAIGN to make netizens aware about inherent threats in online activities and make them prepared to fight the same and also available remedy in case some untoward incidence happens.
With the only intention of MAKING CYBERSPACE SECURE FOR ONE AND ALL, this small favor is sought from an ordinary netizen