Important
These Provider Terms of Service ("Provider Terms") govern your participation as a registered provider on the SBR Guide platform. By completing the provider signup process, you agree to be bound by these Provider Terms, our Terms of Use, and our Privacy Policy. If there is any conflict between these Provider Terms and the general Terms of Use, these Provider Terms prevail to the extent of the inconsistency.
1. Definitions
"SBR Guide" means the SBR Guide platform operated at sbrguide.com by SUG Labs International Ltd ("we", "our", or "us").
"Provider" means an ASIC-registered insolvency practitioner or firm who has completed the SBR Guide provider signup process and has an active account.
"Lead" means a business owner who has completed the SBR Guide eligibility checker and submitted their contact details for practitioner referral.
"Referral" means the assignment of a Lead to a Provider through the SBR Guide platform.
"Connection Fee" means the fee charged to a Provider when a Lead is assigned to them.
"PPS Commission" (Pay Per Sale) means the commission charged to a Provider when an SBR appointment originating from an SBR Guide Referral is verified through ASIC public data.
"ASIC" means the Australian Securities and Investments Commission.
"Dispute" means a formal objection by a Provider to the quality or validity of a Lead, submitted in accordance with section 7.
2. Service Description
SBR Guide operates a lead generation platform that connects business owners seeking Small Business Restructuring (SBR) assistance with ASIC-registered insolvency practitioners.
What We Do
- Operate an eligibility screening tool for business owners
- Match qualified Leads with Providers based on state, capacity, and availability
- Deliver Lead contact details to assigned Providers
- Verify SBR appointments through publicly available ASIC data
What We Do Not Do
- Guarantee lead conversion or any specific outcome
- Provide financial, legal, or professional advice to Leads
- Act as a party to any engagement between Provider and Lead
- Guarantee any minimum volume of Leads
3. Provider Eligibility and Obligations
By registering as a Provider, you represent and warrant that:
- a You hold a current ASIC-registered liquidator registration and are authorised to act as a Small Business Restructuring Practitioner under Part 5.3B of the Corporations Act 2001 (Cth).
- b You hold appropriate professional indemnity insurance for the services you provide.
- c All information you provide during signup and ongoing use of the platform is true, accurate, and complete.
- d You will notify SBR Guide immediately if your ASIC registration is suspended, cancelled, or subject to conditions that affect your ability to accept SBR appointments.
- e You will act professionally and in accordance with all applicable laws, regulations, and professional standards when engaging with Leads.
- f You will make reasonable efforts to contact each Lead within 2 business hours of receiving their details.
4. Lead Assignment and Delivery
Leads are assigned to Providers automatically based on the Provider's active status, state coverage, capacity settings, and current workload. You acknowledge and agree that:
- Leads are assigned and charged automatically when matched — there is no accept/decline step.
- Lead details (name, phone, email, business name, and eligibility responses) are delivered via email immediately upon assignment.
- Leads may be assigned to one, two, or three Providers simultaneously, depending on the Lead's preference. You will be informed whether the Lead is exclusive to you or shared.
- SBR Guide does not guarantee that any Lead will engage your services, respond to contact, or proceed with SBR.
- You must not contact Leads for purposes unrelated to their SBR enquiry.
Capacity Controls
You may set and adjust your maximum leads per week at any time through your account settings. You may also pause your account to stop receiving leads temporarily. If your account is active and within capacity, leads will be assigned and charged automatically.
5. Fees and Payment
SBR Guide charges two types of fees. All fees are in Australian dollars and are exclusive of GST unless stated otherwise.
5.1 Connection Fee
A Connection Fee is charged automatically when a Lead is assigned to you. The fee varies based on the number of Providers the Lead has requested:
| Lead Type | Connection Fee (excl. GST) |
|---|---|
| Exclusive (1 provider) | $500 |
| Shared — 2 providers | $350 |
| Shared — 3 providers | $200 |
5.2 PPS Commission (Pay Per Sale)
A PPS Commission is charged when an SBR appointment originating from an SBR Guide Referral is verified through publicly available ASIC insolvency appointment data. Verification is performed by matching the Lead's company ACN and/or the Provider's ASIC-registered name against ASIC published appointment records within 90 days of the Referral.
| Lead Type | PPS Commission (excl. GST) |
|---|---|
| Exclusive (1 provider) | $3,000 |
| Shared — 2 providers | $2,000 |
| Shared — 3 providers | $1,500 |
5.3 Payment Method
- You must provide a valid credit or debit card during signup. Card details are processed and stored securely by Stripe. SBR Guide does not store your full card number.
- Connection Fees are charged automatically at the time of Lead assignment.
- PPS Commissions are charged after ASIC verification and administrative confirmation.
- You are responsible for ensuring your payment method is current and valid at all times.
- If a charge fails, your account will be paused (no new leads assigned) until you update your payment method and the outstanding amount is settled.
5.4 GST
All fees quoted are exclusive of GST. GST will be added at the applicable rate (currently 10%) to all charges. SBR Guide will issue a valid tax invoice for each charge.
5.5 Fee Changes
SBR Guide may change its fees by providing 30 days' written notice to your registered email address. If you do not agree to the new fees, you may terminate your account before the new fees take effect in accordance with section 10.
6. Credit Card Authorisation
By providing your credit or debit card details during signup, you:
- a Authorise SBR Guide (via Stripe) to charge your card for Connection Fees and PPS Commissions as described in section 5.
- b Acknowledge that charges are made automatically without requiring individual transaction approval.
- c Agree to keep your payment details current and to update them promptly if they change or expire.
- d Acknowledge that Stripe's terms of service and privacy policy apply to the processing and storage of your payment information.
7. Lead Dispute Policy
If you believe a Lead does not meet minimum quality standards, you may submit a Dispute within 48 hours of Lead delivery using the rejection link provided in the Lead notification email.
7.1 Valid Dispute Reasons
Automatic Refund (platform fault)
- Fake or invalid contact details — phone number disconnected, email bounces, or contact information is clearly fabricated
- Duplicate Lead — you have already received the same business or individual through SBR Guide within the prior 90 days
Manual Review (refund at SBR Guide's discretion)
- Already in formal insolvency — the company is already in liquidation or voluntary administration and is not eligible for SBR
- Not a Pty Ltd company — the Lead is a sole trader, partnership, or trust that is not eligible for SBR
- Outside service area — the Lead's business location does not match your registered service states
7.2 Not Valid Dispute Reasons
The following are not grounds for a Dispute:
- The Lead did not answer the phone or return your call
- The Lead changed their mind or decided not to proceed
- The Lead engaged a different practitioner
- The Lead's debt level was different from what was indicated
- You are too busy to follow up (use capacity controls instead)
- The Lead did not ultimately qualify for SBR after professional assessment
7.3 Dispute Process
- Submit your Dispute within 48 hours of Lead delivery via the link in your Lead notification email.
- Select the applicable reason and provide any supporting notes.
- Automatic-refund Disputes (fake details or duplicate) are processed within 2 business days.
- Manual-review Disputes are assessed and resolved within 5 business days. SBR Guide's decision is final.
- Approved Disputes result in a full refund of the Connection Fee for that Lead.
7.4 Dispute Limits
Providers may submit a maximum of 3 Disputes per rolling 30-day period. Excessive Disputes beyond this limit may trigger an account review. SBR Guide reserves the right to suspend or terminate accounts that exhibit a pattern of unreasonable or abusive Dispute submissions.
7.5 PPS Commission Disputes
PPS Commissions are based on objective, publicly available ASIC appointment data and are not subject to the Dispute process. If you believe an ASIC match is incorrect (e.g., the appointment relates to a different referral source), you may contact us at hi@sbrguide.com and we will review the match manually.
8. Data and Privacy
When you receive Lead information through SBR Guide, you agree that:
- Lead data (name, phone, email, business details, eligibility responses) is shared solely for the purpose of responding to the Lead's SBR enquiry.
- You must not use Lead data for any unrelated marketing, solicitation, or commercial purpose.
- You must not share, sell, or transfer Lead data to any third party.
- You must handle all Lead data in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
- Upon termination of your account, you must delete any Lead data received through SBR Guide that has not resulted in an active client engagement.
For details on how SBR Guide collects and processes your personal information, see our Privacy Policy.
9. Intellectual Property
- You grant SBR Guide a non-exclusive, royalty-free licence to use your name, firm name, registration number, and professional details on the platform for the purpose of operating the referral service.
- You must not use SBR Guide branding, logos, or trademarks in your own marketing materials without prior written consent.
- You must not represent or imply an endorsement by SBR Guide of your services.
10. Term, Suspension, and Termination
10.1 Term
These Provider Terms commence on the date you complete the signup process and continue until terminated by either party.
10.2 Termination by Provider
You may terminate your account at any time by contacting us at hi@sbrguide.com or through your account settings. Termination takes effect at the end of the current billing period. You remain liable for any fees incurred before termination, including PPS Commissions that are verified after termination for Referrals made during the term.
10.3 Suspension and Termination by SBR Guide
SBR Guide may suspend or terminate your account immediately, without notice, if:
- Your ASIC registration is suspended, cancelled, or subject to adverse conditions
- Your payment method fails and is not updated within 7 days
- You breach any material provision of these Provider Terms
- We receive substantiated complaints from Leads about your conduct
- You engage in conduct that, in our reasonable opinion, brings the SBR Guide platform into disrepute
- You submit excessive or abusive Disputes
10.4 Effect of Termination
- No new Leads will be assigned after termination.
- All outstanding fees remain payable, including PPS Commissions verified after termination for Referrals made during the term.
- You must delete Lead data in accordance with section 8.
- Sections 5, 7, 8, 11, 12, and 13 survive termination.
11. Limitation of Liability
To the maximum extent permitted by law (and subject to section 12 regarding Australian Consumer Law):
- SBR Guide's total aggregate liability to you under or in connection with these Provider Terms is limited to the total fees paid by you in the 3 months immediately preceding the event giving rise to the claim.
- SBR Guide is not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, clients, or business opportunities.
- SBR Guide is not liable for any loss arising from Lead quality, Lead behaviour, Lead conversion rates, or the outcome of any engagement between you and a Lead.
12. Australian Consumer Law
Nothing in these Provider Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) that cannot be excluded, restricted, or modified by agreement.
To the extent permitted by law, our liability for breach of any non-excludable guarantee is limited to: (a) in the case of goods, the replacement or repair of goods or payment of the cost of replacing or repairing goods; and (b) in the case of services, the supply of services again or payment of the cost of having services supplied again.
13. Indemnification
You agree to indemnify, defend, and hold harmless SBR Guide, its directors, employees, agents, and contractors from and against any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising out of or in connection with:
- Your breach of these Provider Terms
- Your engagement with any Lead, including any professional services you provide
- Any complaint, claim, or regulatory action arising from your professional conduct
- Your violation of any applicable law, regulation, or professional standard
- Any misuse of Lead data
14. Relationship of the Parties
The relationship between SBR Guide and the Provider is that of independent contractors. Nothing in these Provider Terms creates any partnership, joint venture, agency, franchise, or employment relationship. You must not represent yourself as an employee, agent, or representative of SBR Guide.
15. Dispute Resolution
Any dispute arising under these Provider Terms (other than Lead Disputes under section 7) must first be the subject of good faith negotiation between the parties for a period of 14 days. If the dispute is not resolved, either party may refer it to mediation before a mediator agreed upon by the parties (or, failing agreement, appointed by the Resolution Institute). If mediation does not resolve the dispute within 28 days, either party may commence legal proceedings.
16. General Provisions
Governing Law
These Provider Terms are governed by the laws of New South Wales, Australia. You submit to the exclusive jurisdiction of the courts of NSW and the Federal Court of Australia.
Amendments
SBR Guide may amend these Provider Terms with 30 days' written notice. Continued use after the notice period constitutes acceptance.
Severability
If any provision is found invalid or unenforceable, the remaining provisions continue in full force and effect.
Entire Agreement
These Provider Terms, together with the Terms of Use and Privacy Policy, constitute the entire agreement between you and SBR Guide regarding your use of the platform as a Provider.
17. Contact
For questions about these Provider Terms, contact us: