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This site and the original material contained in it is
copyright., Guppytraders.com pty ltd ACN 089 941 560, 1996, 1997, 1998, 1999, 2000, 2001,
2002, 2003, 2004, 2005, 2006
- Most credit card details are 'lost' by the
offshore companies the banks use to store your personal card details and
passwords. They describe this as '1 million customer card
details have been compromised." This is the most significant source
of card details used for fraudulent transactions. Numbers are very rarely
stolen by snooping on net email traffic. We give you four ways to
complete your card transaction. Please choose the one you are most
- PERSONAL INFORMATION AND PRIVACY Guppytraders.com is
committed to safeguarding your privacy online. We do not store details of casual site
books or become newsletter readers. These are required for the delivery of the requested
goods or services. These are stored as secure paper files. These details are not stored
on-line. These records are not available to any third party. They are not sold, rented,
leased or given to any other organisation. These details are not stored on any internet
based server. All newsletter readers are contacted at the end of their trial, or pre-paid
period with 1 advisory e-mail and a week later with 1 reminder e-mail. We do not spam site
visitors. If you do not wish to receive followup newsletter mail please email us with the
header REMOVE. From time to time you may be asked to participate in a survey to help us
gain a better understanding of our users and their requirements. This will allow us to
provide better services to you. This information will remain entirely confidential.
Surveys are entirely optional. Any dissemination of user information is purely
statistical, for example, "42% of subscribers live in Vic".
- CREDIT CARD SECURITY AND THE INTERNET
- HOW WE WORK This site uses a credit card order system
that directly links you, the customer, with us, the business. It is the electronic
equivalent of the physical transaction when you hand your card over in a shop to be swiped
through the card machine. It involves only you, and the shop assistant.
- TRANSACTION STYLES WE PERSONALLY DO NOT USE WHEN WE GO INTERNET SHOPPING Many www sites insert a so-called secure server in the middle of
this transaction. Card details are stored, sometimes indefinitely, in a database on a
computer owned by the Internet Service Provider. Unless the server has
specific protection there is a possibility that others can hack into the system and steal
card numbers. The developer of Norton AntiVirus software, Dr P Tippett noted that
'Encryption (because of the low number of credit cards being stolen by listening on the
internet) advanced end-user password technologies, daily versus weekly antivirus updates, vulunerability patching, and bullet-proof firewall management technololgies were a waste
of time based on the real risks faced by organisations. (Financial Review, April 23, 2002)
Storing card details on a server is the same as leaving your credit
card number lying around, or giving your card number to the shop assistant who stores it
on a card file labelled CREDIT CARD NUMBERS in the office filing cabinet. At the end of
each day she makes a photocopy of the new transaction details and gives the copy to her
boss who then completes the card transaction. Meanwhile the full card details sit in the
office filing cabinet under CREDIT CARD NUMBERS - week after week after week
........ We do not use a server to store any
credit card transactions or details. You as a customer deal with us directly and nobody
else has access to your details. The transaction is between you and us, and absolutely
nobody else. You are mailed a receipt and cardholders copy for each order.
Recent events have shown that the highest risk to secure information is
posed by the servers used the banks to protect millions of credit card
details. These are subject to frequent, and successful, attacks.
Personally I have had a card cancelled by the bank while I was overseas
because their secure server had been compromised to the tune of a million
stolen credit card numbers!
- CREDIT CARD RISK YOU MAY NOT HAVE CONSIDERED When your card is physically swiped when you go shopping, what happens to the
second print-out copy? This has all your details on it and is stored in
the checkout cash drawer. Then it is transferred to the back office, and
then it is stored ..... where? This is a major source of
card details for credit card thieves. When you check into a hotel they take a card
imprint. How do you check this is securely stored? Most times it is stored in an open box
behind the front counter where details can be copied easily by hotel staff from the
janitor up to the manager.
- FOUR SECURE WAYS TO ORDER ON THIS SITE
- 1) If you choose to send your credit card
authorisation via the submit button then it comes addressed direct to
firstname.lastname@example.org . It is extremely
unlikely that this single message, one out of millions each day, will be selected and
hacked by an outsider. The equivalent is sending a cheque through the mail and having the
letter stolen by a postal employee on the offchance it might contain money.
- 2) If you choose to send your credit card authorisation
via fax to 61 (0)8 89270125 then it comes direct to this office. This is as safe as
sending an authorisation via a letter.
- 3) Alternatively, you can choose to send your credit
card authorisation via a two part e-mail addressed direct to
email@example.com The first part
might include just the expiry date and the first 8 numbers of your card. The second part
might include the last 8 numbers and your name. The message header, for instance
"books" or newsletter gives no clue to the content so it is
extremely unlikely that this single message, one out of millions each day, will be
selected and hacked by an outsider. The chances of both messages being intercepted and
'joined' is even more remote than sending a single e-mail containing all details.
- 4) If you choose to send your credit card authorisation
via the postal service then it comes direct to this office. Letters are stored in the
locked business Post Box. P.O. Box 40043, Casuarina, NT 0811, until collected. This
reduces the chances of vandalism, poor delivery by the postman, and overflowing
letterboxes exposed to public view.
ORDER PROCESSING PROCEDURES Each order
is authorised by the Australian Card Clearing Authority and checked against the most
up-to-date warning bulletin of stolen cards. Their rules specify the appropriate style of
authorisation. Order authorisations sent via e-mail are processed as phone
orders because, unlike a fax, there is no supporting signature. Fax orders sent by
fax machine are treated as mail authorisations because they include a
signature. Faxes sent direct from your computer do not include a signature, and are
treated as a phone authorisation. A hard copy sent to us by mail is a
mail authorisation because it includes a signature.
YOUR CHOICE OF SECURITY The method of
credit card payment is your choice. When received, your card and payment details are
treated as confidential and are stored securely in printed form as required by the
Australian Card Clearing Authority. They are not ever stored on a computer. Your peace of
mind is important and we are as equally concerned to prevent credit card fraud. We obtain
an authorisation number from the Australian Card Clearing Authority for all orders
before being processed. This is further protection for you.
We hope this explains in full the way your transaction is processed. We
try to provide the security standards we expect when we go Internet shopping and we think
these are the same security standards that you are entitled to expect from us. If you have
any further questions, please contact us.
We look forward to your order for any one of our services or books.
DOWNLOAD PROTECTION All downloads are virus screened with the latest edition of VET before we upload
them to the ISP server. Once on the ISP server, they are virus screened again by the ISP
We refund promptly:
*If the goods supplied are faulty or not as described. Ie a CD that doesnt work.
*On a pro-rata basis any unused subscription period for the Guppy newsletter or Guppy
Trading Essential course.
We do not refund:
*Where you have simply changed your mind about the goods
*Where goods have been damaged by inappropriate use
*When an item has been personalized by us, for you, in an autographed book. Ie John,
I wish you every success in trading, Daryl Guppy.
Consider our guide to detecting and learning about Internet scams.
This includes suggestions for recognising and avoiding these scams.