Terms and Conditions

• The terms and conditions that apply to internet banking are in addition to the terms and conditions that apply to your account with The Rock Building Society Limited ("The Rock"). Copies of the standard terms and conditions are available at all Rock branches and mini branches, or by contacting one of our friendly Customer Service Officers on 1800 806 645.
• To use Internet Banking you will need to register for Internet Banking with The Rock.
• When you register for Internet Banking you will be issued with an access password which you must change before accessing the system. The Rock also enforces minimum  standards on these passwords. If you register for RockDirect telephone banking you will be asked to choose a numeric password which will be different from your internet banking password.
• It is your responsibility to protect your access password/s to ensure that no one else can access your accounts. For security reasons do not write down your access password in an undisguised form, or keep it with your account information. Do not disclose your access password to third parties (including family members). You should change your access password on a regular basis to ensure that it is secure (this can be done through Internet Banking). Should you become aware of the loss, theft, or possible unauthorised use of your access password you should immediately change your access password using Internet Banking, or contact The Rock immediately.
• Do not disclose your access password to third parties (including family members). You should change your access password on a regular basis to ensure that it is secure (this can be done through Internet Banking).
• Do not use internet cafes or public access internet terminals to conduct internet banking or another source where you cannot verify virus protection is current and firewalls are installed. The Rock will not be liable for any unauthorised transactions emanating from your login details being compromised from such a source.
• The Rock will NEVER ask you, via email, or telephone, or any other way to divulge your internet banking Access Password. If you respond to such an email purporting to be from The Rock, we will not be liable for any unauthorised transactions emanating from this compromise.
• A number of financial services and portal sites offer you the convenience of displaying all your account details on a personalised web page. These sites need your client number and access password to your Rock accounts so that they can interrogate our system and display your details back to you. The Rock can take no responsibility for unauthorised transactions that may arise as a result of you disclosing your client number and access password to other parties. It is your risk if you give your access password to an account aggregation service.
• Should you become aware of the loss, theft, or possible unauthorised use of your access password you should immediately change your access password using Internet Banking, and/or contact The Rock.
• The Rock is not liable for any loss or consequential damage if you use Internet Banking to access your Rock accounts or to perform transactions on your Rock accounts.
• The Rock is not liable for any unauthorised access to account information or transactions processed using Internet Banking prior to your notification to The Rock of the loss, theft or possible unauthorised use of your access password, should you have been reasonably aware of this loss, theft or unauthorised use.
• Whilst every effort will made to ensure that the internet banking service is available 24 hours a day, there may be occasions that the service will not be available due to system maintenance, system failure or network problems beyond our control.
• If The Rock suspects fraudulent activity or unauthorised transactions we will temporarily freeze your Internet Banking access and/or stop payment on the suspect transaction until we can contact you and receive confirmation satisfactory to us that the transaction may proceed. The Rock will then remove any freeze on your Internet Banking access.

  
   

  Important Information - it is essential you take the time to read this.

  Internet Banking Security Warning
• Take-over of a valid identity of a customer using valid channels such as Internet banking, Telephone banking, bill payments, account opening, lending applications via remote sources and changing customer contact details.
• Theft of a valid identity and attempt to open an account in the customer's name using the stolen and sometimes altered documentation.
• In dealing with possible identity theft issues, The Rock may have to ask for additional proof of identity for certain types of transactions and although this process may cause some inconvenience for the customer, it is an essential action The Rock must take to protect the customer's funds.

  How to avoid identity theft
• Clients can check that they are linked to The Rock Building Society internet banking by:
• Observing the locked padlock symbol located in the bottom right corner of their browser.
• Clicking on the locked padlock symbol to check the certificate.
• To ensure that no one else can access your account information through Internet Banking, it is important to select a password that is difficult for someone else to guess. For security reasons, do not keep your access password with your account information, or disclose it to anyone else and change it regularly.
• It is important to "log-off" from Internet Banking if you are leaving your computer unattended for a period of time. This will prevent unauthorised access to your account information. As an added security precaution Internet Banking will "log-off" automatically after 15 minutes if your Internet Banking session is inactive.
• Also we require that you do not use AUTO-COMPLETE to save your passwords. This would allow others to access your account after you have used the computer.
• Ensure that you have current anti-virus software and a personal firewall. If you have Windows XP, ensure the Firewall is turned on and also consider installing Windows Defender (free from the Microsoft site) - a very effective anti-spyware program. You should update anti-virus and firewall products regularly (most have auto-update options) and also ensure your "Windows Update" is set to automatic to ensure all critical security patches are downloaded from Microsoft. There is also a government website which features a wide range of information on all types of internet fraud and how to prevent becoming a victim. The site can be found at www.staysmartonline.gov.au
• Be very wary of installing software or running programs of unknown origin - particularly if downloaded from the internet as this is the principal source of "malicious" programs that pose a serious risk to your personal information.
• Do not accept links or redirections from other websites or media for the purpose of logging onto The Rock website, particularly for internet banking. Save our IBank access page in your "favourites" and use this to access.