As a consumer, it’s important to know your rights and responsibilities. This helps you make smart choices and stay safe. Here are some tips to help you:

1. Say No

   If someone tries to get you to buy something, don’t feel like you have to say yes. It’s okay to say no and walk away, especially if it’s expensive.

2. Understand contracts

   If you don’t understand a contract, ask questions. You can also get help from a friend or a lawyer.

3. Don’t share private information

   Your Social Insurance Number (SIN) is private. Only share it when it’s required (When to provide and NOT provide your SIN). Don’t share your bank account or credit card information over the phone. Banks will never call you to give this information.

4. Check businesses

   Before you buy something, check out the business online or with the Better Business Bureau . Ask friends if they know the company. You can also look at Facebook or consumer review sites like Yelp or Amazon.

5. Know the news

   Sign up for regular emails from CBC Marketplace Watchdog. You’ll get news, tips, and information to help you save money and stay healthy.

6. Check your credit report

   Look at your credit report and bank statements regularly. This can help you catch identity theft or transactions you didn’t make.

7. Be careful of offers

   Be wary of offers that promise a lot of money. Listen to your instincts.

8. Make a budget

   Keep track of your spending and make a budget for each month. This can help you save money. You can learn more about budgeting here: How to make a budget.

9. Don’t buy things you don’t need

   Avoid buying things that you don’t need, even if they are 50% off. You’ll just waste your money.

10. Keep your receipts

    Keep your receipts in case you need to return, repair, replace, or exchange a product. Check the store’s return policies before you buy, so you know what to do if there’s a problem.