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3 Legal Issues Online Retailers Must Be Aware of

3 Legal Issues Online Retailers Must Be Aware of

Many experts believed that the eCommerce industry would peak in 2011. However, it has been growing faster than anyone would have predicted. The industry reportedly grew 14.6% in 2015. It grew another 16% year-over-year in the third quarter of 2016.

Rapid industry growth creates new opportunities for online retailers. However, it has also attracted more scrutiny from regulators. Governments around the world have imposed new laws for a variety of reasons, including:

  • Protecting consumers from unscrupulous merchants
  • Limiting the competitive edge that online retailers have over their brick-and-mortar counterparts
  • Combatting fraud
  • Fighting money laundering
  • Limiting access to potentially harmful products

Here are some legal issues online retailers must be aware of.

1. Online Sales Taxes

When Amazon first began selling products online, it didn’t have to pay sales tax. The law stipulated that only brick-and-mortar businesses needed to pay it.

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Sales tax laws are now applied to online stores as well. Unfortunately, they vary from state to state and country to country. If you have a physical presence in a state, you may need to pay sales taxes regardless of where your customers are located.

In California, you may also be required to pay sales taxes if you have a representative in the state, even if your main office is based elsewhere. Some states will also require you to charge a sales tax if you sell to customers in their jurisdiction, even if your business is technically based elsewhere.

“Navigating sales taxes is challenging for all businesses,” says Ryan Kh, business development consultant and founder of Catalyst for Business.

“I encourage my clients to review sales data and see which states they receive the bulk of their sales. They may want to establish a physical presence in one of those jurisdictions to avoid the pains of double taxation online retailers often face. Of course, it depends on whether those states have a reasonable tax rate.”

2. Minimum Advertised Price

If you are selling products from another company, they may impose restrictions on advertising. One of the most common restrictions is the minimum advertised price policy many suppliers have.

If you enter into an agreement with a manufacturer, you must follow this policy carefully. According to an infographic by TradeVitality, there are a number of reasons MAP policies are enacted, including preventing merchants from engaging in price wars, which can put pressure on the manufacturer to lower their wholesale price.

It’s important to read the agreement with each supplier carefully. Never advertise a price below what they will allow.

3. Dealing with Fraudulent Payments

Fraudulent payments are a serious concern for online merchants. Unlike brick-and-mortar businesses, online retailers must usually accept liability for any fraudulent payments.

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Why is the liability different for e-commerce companies? The law states that if a brick-and-mortar retailer uses a CHIP Reader, then it is not their responsibility to determine whether or not fraud took place. It’s up to the bank to monitor the account for fraudulent activity if the retailer took all reasonable precautions.

When an online retailer accepts payment, the transaction is classified as “card not present.” Since the retailer isn’t able to confirm the identity of the buyer, they usually assume the liability. If it is a fraudulent purchase, they will have to pay restitution to the cardholder.

However, this law is not absolute. It is usually based on the assumption that online retailers offer less security than the customers bank. If you can show that you have exceeded expectations with your online security, you may be able to shift the liability back to the bank.

“The liability shift protects the entity who offers the greater level of security by holding the other entity with less secure systems responsible for fraud,” said Carolyn Balfany, a safety expert with MasterCard.

However, it’s difficult to meet this burden, unless the customer has a lax bank that overlooked red flags of fraudulent activity.

“The one thing that merchants are going to have to struggle with, as long as we have cards that are chip and signature, we will see a shift to online fraud,” Mallory Duncan, senior vice president and general counsel at the National Retail Federation, told Yahoo Finance. “Merchants will have to put more roadblocks in the way of transactions in an effort to keep down the fraud occurring online.”

Conclusion

eCommerce companies are being more tightly regulated these days. They must be aware of all laws and take all reasonable precautions to abide by them.

Featured photo credit: Pexels / Negative Space via pexels.com

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Annie Qureshi

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Last Updated on September 11, 2019

8 Most Effective Games and Apps to Learn to Type Fast

8 Most Effective Games and Apps to Learn to Type Fast

Computers and cell phones have become an integrated tool in our professional and personal lives that the original methods of using pen and paper may not be so common anymore.

Although our old-school methods of note taking may not have entirely left us, technology is advancing with no intention of slowing down; iPads are moving into service industries, video calls are taking the place of in-person interviews, and store receipts are making its way into our email inbox – all of which requires the skill of typing.

Learning a new skill doesn’t have to be boring and never had to be. Thankfully, there are effective games and apps that can help you learn to type fast with swift precision and accuracy.

Why Typing Fast Matters?

Learning how to type fast is a game changer. In fact, you can save 21 days per year by typing fast!

Although shaving several minutes from curating a long email or texting paragraphs in a text message may not seem to be of great significance, the minutes soon do eventually add up and the long list of tasks then evolve into frustration. By the end of the day, time is being wasted, and the work pile is stacked high over your head.

Why not alleviate some of those frustrations through practice and dedicating your spare time to build muscle memory?

Learning a simple skillset like speed typing can drastically improve other essential areas in life including time-management and prioritization. Not only does it help you efficiently complete tasks at work and in your personal life, but it also boosts your productivity.

8 Most Effective Typing Games and Apps

Everyone learns at different speeds and uses various methods. While some work better under pressure and tight deadlines, others thrive when given ample amounts of time to learn and soak in the knowledge that is being provided. Despite the number of resources that are available in the hollow corners of the internet, it’s all about finding one source that helps you learn at your fullest potential.

Whether you’re a keyboard ninja or not, here are some effective typing games and apps that allow you to test your speed, accuracy, and maybe shoot some spaceships along the way.

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For Beginners

1. Speed Typing Online

    What’s more fun than to type to the story of Alice in Wonderland or the lyrics to “Hey Jude”? Speed Typing Online is an online typing game that allows you to dive into the creative and familiar world of famous books, fables, songs, and even hone your skills in data entry.

    The bright blue frame holds the text, which then turns green after punching in the accurate keystrokes. After the end of the personal timer, a statistics page appears to show you your typed words per minute, accuracy, correct and incorrect entries, and error rate.

    2. Typing Trainer

      Typing Trainer

      is another online platform suited for beginner typists looking for step-by-step lessons. Learning the keys on a keyboard can confusing especially for those who aren’t as familiar or getting adjusted to typing on a computer keyboard.

      Typing Trainer has a collection of step-by-step tutorials that covers everything from sentence drills, introduction to new keys as the lessons progress, and skills test. The Typing Trainer specifically highlights unique features in each lesson including a warm-up section where the user begin to build muscle memory and learn to type without looking at the keyboard.

      The website is also programed to identify difficulties the user is facing when typing specific words or sentences.

      3. TapTyping – Typing Trainer

        There is the feeling of physically typing on a keyboard and then there’s the feeling of typing on a touch screen mobile device.

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        Since the use of cell phones has become closely integrated into our everyday lives, learning to type on a mobile is much of a skillset as it is to type on a computer. The mobile typing app, TapTyping – Typing Trainer, allows users to practice while on-the-go making it perfect for commuters who want to practice typing during their down time.

        The app allows you to challenge other typists around the world with TapTyping’s global leaderboard and test your skills by taking advanced lessons. There’s always room for improvement and with the app, you’ll be able to find your mistakes by watching a heat map of your finger strokes.

        For professional writers and programmers

        4. The Most Dangerous Writing App

          Suitable for writers facing a creative block or on a tight-deadline, the Most Dangerous Writing App is a website that forces your fingers to type as quickly as your ideas.

          If you stop longer than 5 seconds, everything you had written will slowly disappear from the screen.

          Sessions are timed from 3 minutes to 20 minutes, or can go from 75 to 1667 words. This online app is perfect to brain dump ideas, write a chapter of a manuscript you’ve been stuck on, or help with procrastination.

          If you’re up to the challenge, try the hardcore mode – an alternative option where a single letter appears on the screen at a time. This level prevents you from seeing the entire word, sentences, or even correct any spelling or grammatical mistakes until the timer is complete.

          If you’re wondering, copying and pasting is not an option until each the end of each session.

          5. The Typing Cat

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            Looking to upgrade your typing skills? Also working as a personal tutor, the Typing Cat has a list of regular typing courses with the option to try other lessons with more complexity such as HTML. Learning to type code is a another valulable skillset worth adding.

            Even with disregarded interest in the coding world, using the code course enhances your typing skills and allows your fingers to familiarize itself with uncommon word combinations and placement of punctuations on a keyboard.

            The coding course can be difficult even for typing whizzes, but it’s all a part of muscle memory. According Psychology Today,[1] only a handful of people actually learn how to type by looking at an actual keyboard, while a majority of the population locate specific keys intuitively through muscle memory.

            Available courses include EcmaScript 6, HTML 5, and CSS 3.

            Fun typing games

            6. ZType — Space Invaders Meet Webster

              Remember playing the iconic 70’s game that allowed you to shoot tiny purple and green aliens from one end of the screen to the other with a two-bullet laser? It’s hard to believe that Space Invaders just turned 40 , but you can still get the same adrenaline rush with ZType, a typing game with the same shooting concept.

              Ztype works in waves – stages that must be cleared but instead of aliens, you must type out the words before the missiles destroy your ship at the bottom of the screen. Every so often, longer and mor complex words would appear and if the words are not typed in the allotted time, a series of letters will disperse like missles.

              The game is quick on the fingers and will still have your heart pumping until the very end.

              7. Epistory – Typing Chronicles

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                Although this game does cost money to purchase, it is worth the investment if you’re looking for a refreshing and alternative mode to learning how to type fast.

                Epistory – Typing Chronicles is a role-playing action and adventure game of a young girl riding a fox in a magical and fictional realm; together they combat enemies in the shapes and forms of words.

                Once you’re starterted, you almost forget you’re playing a typing game. The paper craft art aesthetics of the game has you captivated by the vibrant colors and character’s storyline, while having you build your typing skills.

                8. Daily Quote Typing

                  Need some inspiration? Say no more.

                  Daily Quote Typing is one of many gammes available on Wordgames.com – a website that offers a variety of typing games ranging from different levels based on your experience.

                  With Daily Quote Typing, users are able to type out inspirational quotes by famous leaders, inventors, and innovators such as Mark Twain and Albert Einstein.

                  Bottom Line

                  At the end of the day, discipline and patience is what teaches to type faster. It comes down to making that commitment to improving not only your typing abilities, but in a lifelong skill that benefits other areas in life.

                  By practicing daily and using effective games and apps, it’s only a matter of time before keystrokes will become second nature and your brain will adapt to learning other skills faster.

                  Featured photo credit: Unsplash via unsplash.com

                  Reference

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