{Replica} Online offers & consumer protection: How do you recognize reputable providers?

Digital offers are enjoying growing popularity, but so are consumer and Privacy are getting more and more important. How can customers recognize serious offers?

Rip Off on the Internet: Like Cowboys in the Wild West?

For a long time reigned in Internet a real Wild West mentality, in which the law of the stronger applied. So were (and often still are) customers who Online Wanted to get a bargain, often powerless against rip-offs or scams when the scammers were abroad because domestic law enforcement could do nothing against them.

There are also plenty of trick scams waiting for online users: Phishing attacks are always aimed at panicking the user and causing them to act (often to click, download, enter user information, etc.). In the past, for example, fake reminders were often used for online accounts or fake invoices, or users were blackmailed with alleged photos.

Consumer protection and eCommerce

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However, the most dangerous are still the insidious scams that lurk for customers who do not look twice when shopping online. However, in the course of various data protection scandals, the topic of consumer protection is also increasingly coming into focus.

For example, consumer advocates warn of fake retailers who offer products at well-known online shops such as Amazon or eBay at dream prices, but which never arrive. This is especially true on the big special discount days, on which many retailers advertise with bargains. The consumer advice centre therefore advises not to be dazzled by discounts and preferably by on account or direct debit and not to be lured into a dangerous prepayment purchase.

Safe on the move in dubious industries

Besides there is Industries, which tend to cause even more skepticism among consumer and data protection advocates: These include financial service providers as well as digital gaming sites. For example, Stiftung Warentest tested broker apps that customers use to compare insurance policies on their smartphones, Consulting and can optimize their existing insurance policies. She found that many consumers don't even clear is that they surf digital broker sites.

It is usually even more difficult for consumers to recognize the seriousness of gaming portals such as poker sites and online casinos. Although there are some signs that you can use as a guide, many dubious providers always find a way to trick both laypeople and experienced casino-goers. A trustworthy, legal casino can be identified by the following points:

• Presence of a German gambling license
• Membership in a regulatory authority
• Disclosed privacy policy
• Specify the general terms and conditions
• Provide contact details and a name of the provider

Who, despite this short checklist not for sure is whether the casino of his Choice is serious or not, can stick to rating platforms. Good online casinos are regularly checked by them and recognized as safe or marked as untrustworthy.

Special protection for minors

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Minors in particular need special protection against the dangers of online rip-offs: Almost all experts in European countries have the common consensus that minors have no place in casinos, for example. This applies to real casinos as well as to online offers, but of course there is the Control more difficult. Studies show that the risk of slipping into a gambling addiction is too great. However, each state determines for itself when one is mature enough to gamble.

In Austria as well as in Germany, as in Germany, the eighteenth birthday is the age limit. But this is not the case in all states. If you travel to another country and perhaps have ulterior motives to go to the casino there, you should first find out from which country Age gambling is even allowed there. Because the minimum age limit of the respective country in which the casino is located always applies. In the world's most famous casino, in Las Vegas, for example, this is only 21. Some countries, such as Malta, go a step further and only allow gambling from a minimum age of 25 years.

Online contracts for minors

The situation is similar when minors conclude contracts: when minors shop online, contracts are only valid if these activities are expressly tolerated by the parents. If not, such business transactions are "pending invalid". However, if a child is younger than 7 years, the parents can do that Money demand it back, because the contract with a legally incompetent child is not effective.

However, affected parents shouldn't just do nothing. Contracts are ineffective, but the providers do not necessarily have to know that, for example if the minor concluded the contract under a false name and at a fictitious age. Therefore, parents should inform the contracting parties in writing that they did not allow the conclusion and the contract is therefore void. If money has already been debited, a chargeback is possible. Bills, on the other hand, should not be paid, as this can legally be interpreted as subsequent permission from the parents. But: Should there actually be a legal dispute, legal protection insurance will apply if children are actually also insured.

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