Terms & Conditions

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SWISS CONSULTING GROUP (SCG) COPYRIGHT | DISCLAIMER | Disclaimers | Earnings & Income Disclaimers | PERSONAL INFORMATION POLICY | Definitions |Introduction | Personal Information | Collecting Information | Use of Your Personal Information | Cookies | Right of Access | Our Billing Procedure for Memberships/Subscriptions | Our Policy for Memberships/Information | Our Billing Procedure for Event Registration | Our Refund Policy for Event Registrants | Our Intellectual Property | Website Content | Fair Use Policy | Accessibility | Liability | Jurisdiction | Copyright | Contact Us | PRIVACY | Contacting us via email and our web-forms | Our use of Cookies | Navigational Data | Can I access Personal Information held about me? | Links to other sites | Contact Us


Materials available on the SCG web site are protected by the copyright laws of Australia and other countries. When you access the SCG web site, you agree to the following terms: You may retrieve the contents of the SCG web site for informational purposes only.

You may save a local copy of individual items or print them for your own personal use or limited educational use. However, you may not charge for such use.

You must include the copyright notice in any copy that you make. You may not change the materials found in the SCG web site without written permission from SCG.

For further information about these terms, email us at
solutions@swissconsultinggroup.com or call +61 (0) 403 348 642

Copyright © 2017 SCG Limited. All Rights Reserved. All artworks used are copyright protected and are the property of their respective owners. Logos and other trademarks used herein are the property of their respective owners. Updated: Feb 2017


At the Swiss Consulting Group (SCG) we have, in preparing this information, used our best endeavours to ensure that the information contained therein is true and accurate, but accept no responsibility and disclaim all liability in respect of any errors, inaccuracies or omissions contained herein. Users of this website should make their own inquiries to verify the information contained herein


You understand that our Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing your own procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data.

Our Company does not assume any responsibility or risk for your use of the Internet. The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Company.

Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own or professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

Your Use Of This Site Is At Your Own Risk. The Content is provided “as is” and without warranties of any kind, either expressed or implied.

Our Company disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. Our Company does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Our Company does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise.

The content may include technical inaccuracies or typographical errors, and Company may make changes or improvements at any time. You, and not our Company, assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. Our company makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Company does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Earnings & Income Disclaimers

Any earnings or income statements, or earnings or income examples, may only be estimates of what we think you could earn. There is no assurance you’ll do as well. If you rely upon our figures, you must accept the risk of not doing as well. Any and all claims or representations, as to income earnings on this web site, are not to be considered as average earnings. There can be no assurance that any prior successes, or past results, as to income earnings, can be used as an indication of your future success or results. Monetary and income results are based on many factors.

We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, or your business skills or practices. Therefore we do not guarantee or imply that you will get rich, that you will do as well, or make any money at all. There is no assurance you’ll do as well. If you rely upon our figures; you must accept the risk of not doing as well. Any businesses and earnings derived therefrom, have unknown risks involved, and are not suitable for everyone. Making decisions based on any information presented in our products, services, or web site, should be done only with the knowledge that you could experience significant losses, or make no money at all.

All products and services by our company are for educational and informational purposes only. We suggest that you use caution and seek the advice of qualified professionals. Check with your accountant, lawyer or professional advisor, before acting on this or any information. Users of our products, services and web site are advised to do their own due diligence when it comes to making business decisions and all information, products, and services that have been provided should be independently verified by your own qualified professionals.

Our information, products, and services on this web site should be carefully considered and evaluated, before reaching a business decision, on whether to rely on them. You agree that our company is not responsible for the success or failure of your business decisions relating to any information presented by our company, or our company products or services.

Important! These terms of service govern your use of this site. By accessing this site, you are indicating your acknowledgment and acceptance of these terms of use. These terms of use are subject to change by our company at any time in its discretion. Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Therefore, please consult these terms of use regularly. Updated: Feb 2017


Please thoroughly read the Swiss Consulting Group (SCG) Terms and Conditions. We ask that you do not use our website or service until you have familiarised yourself with these Terms and Conditions. If you are using or have used our service, it is understood that you have agreed to the Terms and Conditions set forth in this document.

These Terms and Conditions may change at any time. It is important that you check back here regularly. Your continued use of this website implies acceptance of any subsequent revisions.


“we”, “us”, “our” means SCG Limited (“SCG”) of 6 Murphy’s Lane, Wentworth Falls, NSW. 2782. Australia

“you”, “your” means the person accessing the website and/or subscribing for or purchasing the service as an organisation, attendee or in any other capacity.

“service” means the content and related goods and services offered by us from time to time.

“website” means the website operated by us for the purpose of providing the service.


To the extent that we are bound by the provisions of the any Commonwealth and State Privacy Legislation and the National Privacy principles we will observe and comply with them. In providing the service we enlist the services of various third parties, consultants and contractors.

Personal Information

Your personal information held by us or our consultants, contractors or agents in various places (including in places outside of Australia) including on a database (depending on your form of contact with us) may include:

• information submitted by you as part of the registration or subscription process such as your legal name, or known name, date of birth, address, email address, telephone number, membership or registration or other identification names or numbers, SCG user name and/or password;

• details on your use of the service (such as content and goods and services purchased);

• a record of your visit to our website such as your server address, your domain name, the date and time of your visits, the pages you accessed and documents you downloaded, the previous site you visited and the type of browser you are using.

You may also provide information to us about other people and if you do so, you should obtain their permission to do so.

Collecting Information

We collect personal information in a number of ways, including:

• when you access and browse our website
• when you subscribe to register for the service
• when you use or purchase the service
• when you contact us
• when you pay for the service
• from third parties such as financial institutions and credit reporting agencies when undertaking checks in relation to billing, payment and credit checks
• from publicly available sources of such information
• to verify your identity and the veracity of other information provided
• when legally required to do so

Use of Your Personal Information

We may use your personal information:

• so we can provide the service to you pursuant to your agreement (if any) with us
• to ensure you abide by your agreement with us
• to make credit and credit card checks
• to bill and collect debts
• for website usage analysis
• for planning, research, product development and/or strategic, financial or other business purposes
• to promote and market the service and third party products and services to you (by direct mail, via email, telemarketing, SMS, MMS or any other media). We do this to keep you informed of our services, the services of third parties and/or special offers. If you do not wish us to promote or market the services to you, please:
o carefully consider and select any options provided to you to “opt in” or “opt out” during any purchase or registration process for the service; or
o contact us at solutions@swissconsultinggroup.com
• to provide to Government and/or Regulatory Authorities and/or Law Enforcement Agencies in accordance with their lawful duties
• to provide to our content suppliers and other rights holders in relation to content, including in relation to anti-piracy reporting and action
• to use as required or permitted by Law or for us to protect our legal rights, for instance by Court Order or in litigation
• to your authorised representatives or legal advisers (when requested to do so)
• to provide to people or organisations outside of our organisation including our consultants, contractors, agents and/or third party suppliers with whom we have arrangements from time to time in relation to the service. We may provide your personal information to these people or organisations (some outside of your country) to help us with the above


We use cookies on our website. In some cases cookies may collect and store personal information about you. A cookie is a small text file placed on the user’s computer when a website is accessed to recognise the cookie when the same computer returns to the website on a later occasion.

Right of Access

You may ask us to access your personal information in certain circumstances provided by Law (subject to exceptions allowed by Law). We ask you to put any such request in writing and pay any reasonable fees levied by us for this.

Our Billing Procedure for Memberships/Subscriptions

You will be billed at the time you register online for your membership/subscription, via the Bendigo Bank. Upon successful completion of your payment transaction, a confirmation email will be sent to the email address supplied by you, with the option to print a GST compliant Tax Invoice/Receipt for your personal records.

Our Policy for Memberships/Information

You may ask us to access your personal information in certain circumstances provided by Law (subject to exceptions allowed by Law). We ask you to put any such request in writing and pay any reasonable fees levied by us for this.

Our Billing Procedure for Event Registration

You may be billed at the time you register online for an event, via the Bendigo Bank. Upon successful completion of your payment transaction, a confirmation email will be sent to the email address supplied by you, with the option to print a GST compliant Tax Invoice/Receipt for your personal records.

Our Refund Policy for Event Registrants

Should circumstances prevail where you wish to deregister for any event where you have already registered, please contact the SCG Event Coordinator to arrange any applicable refund.

No refunds are possible 7 days before the event. However, another person may be substituted at any time for an event.

Cancellations prior to 7 days will incur a 25% cancellation fee.

In the unlikely event that an event is postponed registration will be transferred to the new event time or if cancelled due to unforeseen circumstances, registration will be fully refunded.Our Intellectual Property

Our Intellectual Property

Our website remains the property of SCG at all times. The coding, programming, website designs, graphic design and intellectual property making up the site is owned by us.

Website Content

Websites from SCG cannot be used to disseminate, communicate, store or transmit:

• content sexually-explicit in nature
• information that contains virus, worms or malicious elements
• Copyright infringing data
• trade secret protected data
• data that infringes on any intellectual property, publicity rights or privacy rights
• is defamatory, harassing or threatening
• relates to illegal business operations or schemes
• contains deliberately misleading, incomplete or deceptive content
• content which is deemed inappropriate by SCG

Fair Use Policy

We employ a fair use policy to Our Websites. If we believe, for any reason, that you are not behaving in a manner expected of a SCG customer, then we reserve the right to terminate your account – effective immediately.


We make every effort to ensure that our website, online help and all of our services are online 24×7 every day of the year. However, this will not always be the case as there are times when our website will be down, sometimes in circumstances that we cannot control. When our service is offline we will do our best to get it online as soon as possible. We will not be held responsible for damage, events or losses directly or indirectly related to our website being offline.


We will not be held liable for any action or inaction relating to our service. We offer our unique service at highly competitive rates. We believe that our system is highly secure from the actions of hackers, viruses and other problems on the internet but can make no guarantees. It is up to you to back-up and ensure the integrity of your data offline. If your website is offline then please contact us and we will endeavour to fix the problem as soon as possible. We will not be liable for loss of sales, leads or reputation from using our service.


This Website is governed by the Laws of the New South Wales, Australia. Any dispute arising from the use of this Website will be settled in this jurisdiction.


Copyright © 2017 SCG. All Rights Reserved. All artworks used are copyright protected and are the property of their respective owners. Logos & other trademarks used herein are the property of their respective owners.

Contact Us

If you have any concerns about the way we have dealt with your personal information, please contact us onsolutions@swissconsultinggroup.com or +61 (0) 403 348 642 Updated: Feb 2017


The Swiss Consulting Group (SCG) is committed to protecting your privacy. We understand that visitors and users of this website are concerned about their privacy and the confidentiality and security of any information that is provided to us. SCG is committed to the National Privacy Principles and our procedures relating to personal information are designed to ensure that you are fully protected under Australian Privacy Laws.

This Privacy Statement details how we manage your personal information and safeguard your privacy.

We may collect information about you where it is necessary for us to perform our functions. The information we collect about you depends on how and why you access the website, the information you choose to provide to us, and the types of information and services you request from us.

If you visit our website to browse, read or download information, our system may record anonymous information about the visit such as the number of pages visited and the duration of the visit so we can evaluate site usage to make improvements. Your identity cannot be reasonably ascertained from this information.

If you communicate directly with us via email, complete one of our online forms, or use one of our other interactive tools, some of the information that you submit may be personal information (that is, information from which you can be identified, such as your full name, street address, email address, phone number and so on).

If you choose to provide your personal information to us, it may be used in order to:

• contact you in respect of any request or query you have made
• provide the services that you require and ensure our site is relevant to your needs
• deliver services such as email bulletins or newsletters (if you have requested them)
• research and develop our products and services
• gain an understanding of your needs in order to provide a better service
• promote and market our services
• protect our intellectual property and ownership rights
• fulfil any legal requirements

We may disclose your personal information to other organisations (for example our service providers) to enable us to provide the services you have requested, or as otherwise permitted by law.

Contacting us via email and our web-forms

When you contact SCG via email we will use your email address for the purposes for which you provided it. You should keep in mind that the transmission of information over the Internet is not always completely secure or error-free. In particular, email sent to or from this website and information you enter into forms on our web-pages and send to us may not be secure. You should therefore take special care in deciding what information you send to us via email and web-forms.

Our use of Cookies

When browsing or searching our website, our server may automatically collect navigational data to help us improve our website content and navigational process. One way which navigational data is collected is by placing “cookies” to your computer’s memory. Cookies do not capture or track any personal information and cannot identify you as an individual. If you wish, you may elect not to accept cookies on your browser. We use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us to know what they find interesting and useful on our website.

Navigational Data

We may use your navigational information by combining it with the navigational information we collect about other users. Please note these results do not identify any individual, instead they give us aggregated results about the usage of the site. By doing this, we are able to improve the look and feel of our site, the content and navigation, and improve the services we provide to you.

Can I access Personal Information held about me?

If you ever wish to know what, if any, personal information we hold about you, or you wish to correct any personal information we may hold about you, you may access and correct such information by contacting us via the details provided below.

Links to other sites

This website may contain links or references to other websites. Our website Privacy Statement does not extend beyond the SCG website. When visiting other sites via a link on our website, you should familiarise yourself with the linked website’s privacy statement. How often should you check this Privacy Policy?

We may make changes to this Privacy Policy from time to time, so you may like to check it each time you visit the site.

Contact Us

At SCG we are committed to developing a continuing and trusted relationship with you. If at any time you have questions regarding this Privacy Policy or any practices or dealings relating to this site then please do not hesitate to contact us at solutions@swissconsultinggroup.com or +61 (0) 403 348 642