Question

求翻译....不要用在线工具翻译的...求人工翻译....谢谢

Even though these efforts are making it easier to protect yourself online, it is a constant fight to maintain the lead. It is advisable to be aware of the most current technology and scams out there to fully protect yourself and your finances. One of the hardest areas to deal with in online shopping is the delivery of the products. Most companies offer shipping insurance in case the product is lost or damaged; however, if the buyer opts not to purchase insurance on their products, they are generally out of luck. Some shipping companies will offer refunds or compensation for the damage, but it is up to their discretion if this will happen. It is important to realize that once the product leaves the hands of the seller, they have no responsibility (provided the product is what the buyer ordered and is in the specified condition).
3.2 Lack of full cost disclosure
The lack of full disclosure with regards to the total cost of purchase is one of the concerns of online shopping. While it may be easy to compare the base price of an item online, it may not be easy to see the total cost up front as additional fees such as shipping are often not be visible until the final step in the checkout process. The problem is especially evident with cross-border purchases, where the cost indicated at the final checkout screen may not include additional fees that must be paid upon delivery such as duties and brokerage. Some services such as the Canadian based Wishabi attempts to include estimates of these additional cost, but nevertheless, the lack of general full cost disclosure remains a concern.
3.3 Privacy

Privacy of personal information is a significant issue for some consumers. Different legal jurisdictions have different laws concerning consumer privacy, and different levels of enforcement. Many consumers wish to avoid spam and telemarketing which could result from supplying contact information to an online merchant. In response, many merchants promise not to use consumer information for these purposes, or provide a mechanism to opt-out of such contacts.
Many websites keep track of consumers shopping habits in order to suggest items and other websites to view. Brick-and-mortar stores also collect consumer information. Some ask for address and phone number at checkout, though consumers may refuse to provide it. Many larger stores use the address information encoded on consumers' credit cards (often without their knowledge) to add them to a catalog mailing list. This information is obviously not accessible to the merchant when paying in cash.
3.4 What people are worried about

Computer trends are often male-dominated but this year women are expected to do more shopping on the internet than men. It seems women are now more attracted to the convenience of online shopping than they used to be.

Answer 1

尽管这些尝试能使我们在网络上保护自己变得很容易，但是要保持住还是一场持久战。为了保护自己和自己的财务意识到大部分技术和骗局是很明智的。处理网上购物最难的地方在于产品的运输。一旦货物丢失或损坏大部分公司都有运输保险，但是，如果买家不给货物购买保险，他们通常就不会那么幸运了。一些运输公司会给损坏的货物提供退款或赔偿，但是如果真的损坏了还是取决于他们自己。一旦货物离开卖家的手，他们就没有责任了（假设是买家要求供货的特定条件下），意识到这一点是很重要的。
3.2 缺乏全部费用公开
关于购买的全部费用缺乏完全的公开也是网上购物需要注意的一点。在线比较一个物品的价格也许是很容易的，但是却很难在确认之前看见全部费用，像运费这样的附加费通常是只有在确认的最后一步才会显示出来。这种问题在跨境购物上特别明显，在最终的确认页面上费用不一定包含其他费用，像关税和佣金这些费用在收到货物时必须支付的。像加拿大一些服务机构试着估算这些额外的费用，但缺乏全部的费用公开仍然是一个值得关注的问题。
3.3 隐私
对一些顾客来说个人信息的保密是很重要的问题。关于顾客的隐私不同的机构有不同的法律和不同等级的强制措施。很多顾客不希望收到垃圾邮件和电话推销，这些可能都是网上购物留下的联系信息导致的。很多商家作出承诺，答应不使用顾客的信息做这些事情或提供一个机制可以选择不参加这些联系。很多网站保留顾客购物的痕迹以便建议条款，可以用其他网页浏览。实体店也会收集顾客信息。尽管顾客可能会拒绝提供，可是在结账时有的商家还是要电话号码和住址。有些大型商店使用地址信息给顾客的信用卡编码（通常是再他们不知情的情况下），把他们添加到邮寄目录中。很明显这些信息现金支付时买家是不会注意到的。
3.4 顾客所担心的
通常是男性主导的电脑潮流，但是今年网上购物的女性却多于男性。现在看起来女性比过去更被网上购物的便捷所吸引。