18 décembre 2019

Le saviez-vous ? 31 % des Québécois de 65 à 74 ans font des achats en ligne.

Cela dit, il est possible que vous hésitiez à en faire même si vous êtes relativement habile avec Internet. Cela n’est pas très compliqué, mais demande tout de même certaines précautions. Dans un guide intitulé « Vos finances en toute sécurité – Guide à l’intention des aînés », Option consommateurs explique comment vous y prendre et donne certains conseils. L’information qui suit en est tirée.

S’y préparer
Assurez-vous que votre ordinateur est bien protégé — il doit être doté d’un logiciel antivirus et ce logiciel doit être à jour. Si vous utilisez plutôt votre tablette ou votre téléphone, une telle protection est aussi nécessaire.
Utilisez un réseau Wi-Fi privé — le vôtre ou celui d’un proche. Les réseaux publics ne sont pas toujours sûrs.

Magasiner
Cherchez l’article que vous désirez, puis rendez-vous vous-même sur le site du commerçant où il se trouve — évitez de faire des transactions après avoir cliqué sur des liens qu’on vous aurait envoyés.

Observer
Pour vous assurer que le commerçant respecte la Loi sur la protection du consommateur, assurez-vous d’obtenir les renseignements suivants :
– le nom, l’adresse et le numéro de téléphone de l’entreprise ;
– une description détaillée du bien que vous convoitez ;                                                                                                                                                                                    – la liste des frais supplémentaires pouvant être exigés (livraison, douanes, etc.) ;
– la devise utilisée ;
– la somme totale à payer ;
– la date de la livraison ou le délai d’exécution ;
– le mode de livraison ;
– les conditions d’annulation.

Notez que ces renseignements doivent être visibles et faciles à comprendre. En cas de doute, posez des questions au commerçant. Faites-le par écrit, car vous aurez ainsi une réponse que vous pourrez conserver.
Vous avez trouvé ce que vous cherchiez ? Assurez-vous que le site Web de l’entreprise est sécurisé. Si c’est le cas, un cadenas se trouvera dans la barre de navigation. De plus, l’adresse Web du site débutera par https : //.

Procéder à la transaction
Tout vous semble correct. Il vous reste donc à :

– placer l’article choisi dans le panier d’achats, puis cliquer sur ce panier ;
– inscrire les informations demandées (nom, adresse courriel, adresse de livraison, etc.) ;
– sélectionner le réseau de paiement de votre carte de crédit (Visa ou Mastercard, par exemple) — il est aussi possible de payer avec PayPal (voir l’encadré en bas de page) ;
– inscrire le numéro de votre carte de crédit ainsi que son code numérique (au dos de votre carte) ;
– confirmer la transaction et noter le numéro de confirmation qu’on vous donne ;
– aller voir vos courriels ; vous devriez y trouver un message de confirmation ;
– imprimer ou enregistrer ce message.

Vos droits
Une fois votre transaction terminée après l’achat d’un bien ou d’un service, le commerçant a 15 jours pour vous transmettre votre contrat.

En vertu de la Loi sur la protection des consommateurs, le commerçant dispose de 30 jours pour vous livrer le bien commandé. Vous ne l’avez pas reçu dans ce délai ou il ne vous fournit pas le service à la date prévue ? Vous pouvez mettre fin au contrat en tout temps en faisant parvenir un avis écrit au commerçant. Ce dernier aura 15 jours pour vous rembourser.

Le commerçant refuse de vous rembourser et vous avez payé à l’aide d’une carte de crédit ? Vous aurez 60 jours pour faire une demande de rétrofacturation à l’émetteur de votre carte de crédit. Ce dernier devra vous verser la somme débitée ainsi que les frais qui y sont liés dans les 90 jours.

Pour plus d’information sur vos droits, consultez le site Web de l’Office de la protection du consommateur.

Maryse Guénette
Rédactrice en chef
Option consommateurs

Payer avec PayPal
Au moment d’entrer sur le site vos informations de transaction, on vous offrira sans doute de payer par PayPal. Cette dernière est une entreprise de paiement en ligne qui sert d’intermédiaire entre vous et certains marchands. Si vous choisissez de faire votre paiement via cette entreprise, c’est à elle que vous divulguerez votre numéro de carte de crédit et non au marchand. Il est possible d’utiliser les services de PayPal pour effectuer une seule transaction ou d’ouvrir un compte auprès de cette entreprise ; le service est gratuit.
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