1. Acceptance of Terms
By accessing and using the SBR Guide website (sbrguide.com), you accept and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website.
These terms constitute a legally binding agreement between you and SUG Labs International Ltd, which operates SBR Guide ("we", "our", or "us"). We recommend you print or save a copy of these terms for your records.
2. About Our Service
SBR Guide (operated by SUG Labs International Ltd) is an independent educational resource that provides information about Small Business Restructuring (SBR) under the Corporations Act 2001 (Cth). We also offer a service to connect business owners with ASIC-registered restructuring practitioners.
Important Notice:
- • We are not a registered insolvency practitioner firm
- • We do not provide restructuring, insolvency, or debt management services
- • We do not provide financial, legal, taxation, or professional advice
- • We are an information and referral service only
3. General Information Disclaimer
The information on this website is general in nature and is provided for educational purposes only. It is not intended to be, and should not be relied upon as, financial, legal, taxation, or professional advice.
You acknowledge that:
- Each business situation is unique and requires individual assessment
- You should seek independent professional advice before making decisions about your business
- The information may not be applicable to your specific circumstances
- Laws and regulations change, and information may become outdated
- We are not responsible for any decisions you make based on this information
While we endeavour to keep the information on this website accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.
4. No Guarantees of Outcomes
We do not guarantee any specific outcomes from the Small Business Restructuring process or from using our website or services.
Statistics Disclaimer
Statistics quoted on this website are sourced from ASIC reports and represent historical averages. Individual results will vary significantly based on specific circumstances.
Eligibility Assessment
Our online eligibility tool provides a preliminary indication only. Only a licensed restructuring practitioner can confirm your actual eligibility for SBR.
5. Practitioner Referrals and Connections
We may connect you with ASIC-registered restructuring practitioners based on the information you provide. By using our referral service, you acknowledge and agree:
Independence
Practitioners we refer you to are independent professionals. Any agreement you enter into is solely between you and the practitioner.
Referral Fees
We may receive referral fees or commissions from practitioners for successful referrals. This does not affect the fees you pay to the practitioner.
Due Diligence
You are responsible for conducting your own due diligence before engaging any practitioner. Verify their ASIC registration and professional credentials.
No Guarantees
We do not guarantee the quality, outcome, or suitability of any practitioner's services. We are not liable for any acts or omissions of referred practitioners.
6. Australian Consumer Law
Certain guarantees cannot be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010). Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law 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.
7. Limitation of Liability
Subject to section 6 (Australian Consumer Law), to the maximum extent permitted by law:
- SBR Guide, its directors, employees, agents, and contractors will not be liable for any loss, damage, cost, or expense (whether direct, indirect, incidental, special, consequential, or exemplary) arising from or in connection with:
- Your use of, or inability to use, this website
- Any reliance on information provided on this website
- Any actions you take or decisions you make based on information on this website
- Any services provided by third-party practitioners we refer you to
- Any errors, omissions, or inaccuracies in our content
- Any interruption, suspension, or termination of the website
This limitation applies regardless of the cause of action (whether in contract, tort including negligence, statute, or otherwise) and even if we have been advised of the possibility of such loss.
8. 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 use of this website
- Your breach of these Terms of Use
- Your violation of any applicable law or regulation
- Your infringement of any third-party rights
- Any information you submit through this website
9. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software, is the property of SBR Guide or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You may:
- View and print pages for your personal, non-commercial use
- Share links to our content on social media
You may not:
- Reproduce, distribute, or republish any content without our written permission
- Modify, adapt, or create derivative works from our content
- Use our content for commercial purposes without authorisation
- Remove any copyright or proprietary notices from our content
- Frame or mirror any part of this website on another website
10. User Conduct
When using this website, you agree not to:
- Use this website for any unlawful purpose
- Submit false, misleading, or fraudulent information
- Impersonate any person or entity
- Harass, abuse, or harm others
- Attempt to gain unauthorised access to any systems
- Interfere with the proper operation of the website
- Transmit viruses or malicious code
- Collect user information without consent
We reserve the right to terminate your access to the website at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.
11. Third-Party Links and Content
This website may contain links to third-party websites, including government agencies (ASIC, ATO), professional bodies, and practitioner websites. These links are provided for your convenience and information only.
We do not:
- Endorse or make any representations about third-party websites
- Control or have responsibility for third-party content
- Guarantee the accuracy, relevance, or completeness of third-party information
Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.
12. Electronic Communications
By using this website or providing your contact information to us, you consent to receive electronic communications from us, including:
- Responses to your enquiries
- Information about practitioners (if you request a referral)
- Service updates and notifications
- Marketing communications (which you can opt out of at any time)
You agree that electronic communications satisfy any legal requirement for written communications.
13. Website Availability
We do not guarantee that this website will be available at all times or free from errors. We may suspend, withdraw, or restrict access to the website at any time without notice for any reason, including maintenance, security, or technical issues.
We are not liable for any loss or damage caused by the unavailability of this website.
14. Changes to Terms
We reserve the right to modify these Terms of Use at any time. When we make material changes, we will:
- Update the "Last updated" date at the top of this page
- Post the revised terms on this website
Your continued use of the website after any changes constitutes acceptance of the modified terms. We encourage you to review these terms periodically.
15. Severability
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
16. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and SBR Guide regarding your use of this website. These terms supersede any prior agreements or understandings, whether written or oral.
17. Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia for any disputes arising from or in connection with these terms.
18. Contact Us
If you have any questions about these Terms of Use, please contact us: