Ozroofracks

High-Value Payments, User Bans, Blocked Transactions and Business Protection

Ozroofracks is committed to providing clear information about the payment methods we accept and any conditions that may apply before a purchase is completed. Our payment-security and business-protection procedures are applied subject to Australian law and do not exclude, restrict or modify customers’ non-excludable rights and remedies under the Australian Consumer Law. For further information, see the ACCC’s payment-method guidance and online consumer-rights guidance .

To help protect customers and Ozroofracks from fraud, unauthorised payments, identity misuse and chargebacks, we accept payments through independent third-party payment providers. Depending on the provider and payment method, these services may apply security measures including:

• 3D Secure cardholder authentication;
• card authorisation, expiry, security-code and address-verification checks;
• transaction value and payment-velocity checks;
• device, browser, location and network analysis;
• machine-learning fraud and risk assessments;
• allow lists, block lists and fraud-prevention rules;
• additional identity or payment verification;
• delayed capture, manual review or payment holds; and
• automated approval, rejection or blocking of a transaction.

The availability and operation of these measures are determined partly by the relevant payment provider and may vary between transactions. A payment being authorised by a bank or payment provider does not necessarily mean that an order has passed Ozroofracks’ security review.

High-value and flagged transactions
Orders above a value determined by Ozroofracks, or orders identified by our systems or payment providers as requiring additional verification, may be subject to enhanced security controls and manual review. For these orders:

• certain payment methods may not be displayed or made available at checkout;
• an authenticated card payment, including 3D Secure where available, may be required;
• payment by verified bank transfer or direct deposit may be offered or required;
• we may request reasonable information necessary to confirm the customer’s identity, authority to use the payment method, billing details, delivery details or the commercial purpose of the order;
• dispatch may be delayed until the payment has cleared and our verification process has been completed; and
• an authorisation, pending transaction or payment receipt does not constitute final acceptance of the order.

Customers paying by bank transfer or direct deposit must use only the account details displayed during our official checkout process or supplied directly by Ozroofracks through an authorised communication channel. Customers should contact us before paying if account details appear to have changed or if they receive conflicting payment instructions.

Blocked, declined or cancelled transactions
A transaction may be blocked, declined, held, voided or cancelled where:

• a payment provider, card issuer or financial institution declines or flags it;
• required authentication or verification cannot be completed;
• the transaction presents indicators of fraud, unauthorised use, payment abuse or an unacceptable risk of loss;
• the customer provides information that is materially incorrect, inconsistent or cannot reasonably be verified;
• multiple transactions appear designed to avoid a transaction limit or security control;
• there has been previous fraudulent activity, payment reversal, abusive chargeback activity or misuse connected with the customer, account, payment method or delivery details; or
• accepting or completing the transaction may breach the law, a payment-provider requirement or our legitimate business-protection procedures.

A blocked or declined transaction does not necessarily mean that the customer has engaged in fraud. Customers may contact Ozroofracks to discuss another available payment or verification method.
Where we cancel an order after receiving cleared funds, any refund due will ordinarily be returned through the original payment method or another lawful and appropriately verified method. Processing times may depend on the relevant bank or payment provider.

Account restrictions and user bans
Ozroofracks may restrict, suspend or close an account, decline future orders or refuse further transactions where reasonably necessary to protect customers, staff or the business from suspected fraud, unlawful conduct, threats, harassment, payment abuse, repeated abusive chargebacks, attempted circumvention of security controls or serious breaches of our terms.
We will exercise these rights reasonably, on lawful grounds and subject to our obligations under applicable law.

Consumer rights
Nothing in this policy excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, including rights available under the Australian Consumer Law.
Third-party payment services are also governed by their respective terms, privacy policies and security procedures. Customers should review those terms before selecting a payment method.

AI-Generated & Enhanced Content

Ozroofracks may use artificial intelligence (AI) and digital editing tools to create, enhance or modify some images, illustrations and written content displayed on this website.

AI-enhanced or generated images may be used to demonstrate product concepts, vehicle fitment, installation configurations, accessories, backgrounds or possible applications. These images are provided for illustrative purposes only and may not precisely represent actual dimensions, proportions, colours, clearances, mounting positions or final installed appearance.

Where AI has materially generated or altered an image, Ozroofracks aims to identify the content as “AI Enhanced”, “AI Generated” or “Illustration”, where appropriate.

AI-generated imagery does not override the product specifications, measurements, compatibility information or installation instructions provided by Ozroofracks. Customers should verify the relevant product specifications and vehicle compatibility before purchasing or installing a product.

Ozroofracks reviews content before publication and remains responsible for the representations made about its products. If an image appears inconsistent with the written specifications or you require confirmation of a particular fitment, please contact Ozroofracks before relying on the image.