NEWPORT BEACH, Calif. - eTradeWire -- Cyber Monday is perhaps the most important day of the year for online Christmas shopping, which unfortunately makes it an opportune time for hackers and con artists to carry out cybercrimes like identity theft, phishing scams and other types of fraud. However, by taking steps like keeping an eye out for suspicious advertisements and maintaining a secure internet connection, you can improve your chances of avoiding financial loss over the holidays.

Read below for 12 crucial Cyber Monday safety tips that can help you find the best deals online without putting your personal information at risk.

Key Takeaways:

Some of the signs that a website may be unsafe to purchase from include a URL beginning with "http," the lack of a lock icon next to the URL, discounts that seem too good to be true, spelling and grammar inconsistencies and suspicious terms listed in the fine print.

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It's important to research a business before giving them money and, when in doubt, stick to well-known retailers and their official mobile apps.

You should only input sensitive data online if you can verify that your computer and internet connection are secure to minimize the risk of hackers obtaining your personal information.

If you notice a charge to your credit card that you believe is fraudulent, you should be able to dispute the charge and get a refund by contacting your credit card company within 60 days.

Homeowners insurance covers package theft but you will likely need an additional cyber protection endorsement to insure yourself against cybercrimes.

For more information visit https://smartfinancial.com/cyber-monday-safety-tips