Disclaimer

This disclaimer applies to all services, programs, resources, and communications provided by SSGM Pty Ltd (ABN: [Insert], trading as “SSGM Group”, “SSGM”, “we”, “us”, “our”), including Academy, Advisory, Digital, Contracting, and Ventures platforms.

1. Nature of Services

1.1 Educational & Developmental Purpose

All SSGM services are provided for:

• Educational purposes: To build knowledge, skills, and capabilities
• Professional development: To support career growth and advancement
• Strategic guidance: To provide informed perspectives and frameworks
• Execution support: To deliver agreed project outcomes and deliverables

1.2 Not Professional Licensing Services

Unless explicitly stated in a written agreement, SSGM is NOT:

• ❌ A registered migration agent or immigration law firm
• ❌ A legal services provider or law practice
• ❌ A financial services provider or investment advisor (no AFSL)
• ❌ A registered recruitment agency (where licensing applies)
• ❌ A registered training organization (RTO) except where certified
• ❌ A psychological or medical services provider

2. No Guarantees or Warranties

2.1 Outcome Limitations

SSGM explicitly does NOT guarantee:

Academy Platform:

• ✗ Passing of NAATI CCL, PTE, or any certification exam
• ✗ Specific scores, grades, or assessment results
• ✗ Job placement, employment offers, or interview success
• ✗ Visa point acquisition or migration success
• ✗ Acceptance into educational institutions or programs

Advisory Platform:

• ✗ Career advancement, promotions, or salary increases
• ✗ Business success, profitability, or revenue targets
• ✗ Achievement of specific goals or objectives
• ✗ Investor funding, partnership agreements, or contracts
• ✗ Resolution of personal, organizational, or market challenges

Digital Platform:

• ✗ Specific results from using templates, toolkits, or frameworks
• ✗ Suitability for every individual situation or context
• ✗ Completeness for all possible scenarios or requirements
• ✗ Legal, financial, or regulatory compliance (customize as needed)

Contracting Platform:

• ✗ Permanent employment beyond contract term
• ✗ Specific project outcomes unless explicitly agreed in SOW
• ✗ Client satisfaction with deliverables outside agreed specifications
• ✗ Market conditions, client changes, or external factors

Ventures Platform:

• ✗ Business transformation success or strategic goal achievement
• ✗ ROI, cost savings, or revenue improvements
• ✗ Market acceptance of strategies or implementations
• ✗ Organizational adoption or change management success

2.2 Factors Affecting Results

Outcomes depend on numerous factors including but not limited to:

• Individual Factors: Effort, commitment, prior experience, aptitude, learning style, English proficiency
• External Factors: Market conditions, competition, economic environment, regulatory changes, employer requirements
• Timing Factors: Application deadlines, market timing, seasonal variations, policy changes
• Circumstantial Factors: Personal situations, health, family circumstances, financial capacity, geographic location

3. Examples, Testimonials & Case Studies

3.1 Illustrative Purpose Only

Any examples, success stories, case studies, or testimonials shared by SSGM:

• Are provided for illustrative and motivational purposes only
• Represent individual experiences and may not reflect typical results
• Should not be interpreted as guarantees of similar outcomes
• May be anonymized or composite examples to protect privacy

3.2 Testimonial Authenticity

While we strive for authenticity in testimonials:

• Testimonials reflect individual opinions and experiences
• SSGM does not control or verify all aspects of client statements
• Some testimonials may be incentivized (disclosed when applicable)
• Results mentioned are not guaranteed to be replicated

4. Information Accuracy & Updates

4.1 Content Limitations

While we make reasonable efforts to provide accurate information:

• Currency: Information may become outdated due to policy, regulation, or market changes
• Completeness: Content may not cover all aspects of complex topics
• Accuracy: Despite quality controls, errors or omissions may occur
• Applicability: Information may not apply to your specific situation

4.2 Third-Party Information

SSGM may reference or link to third-party resources:

• We are not responsible for accuracy, currency, or completeness of external content
• Third-party links do not imply endorsement or recommendation
• Users should independently verify all external information
• Changes to third-party policies, requirements, or content may occur without notice

4.3 Migration & Visa Information

5. Your Responsibilities

5.1 Personal Accountability

You acknowledge and agree that:

• Effort Required: Success requires your active participation, commitment, and consistent effort
• Independent Judgment: You must exercise your own judgment and make your own decisions
• Due Diligence: You are responsible for verifying information relevant to your situation
• Professional Advice: You should seek qualified professional advice for specialized matters
• Compliance: You must comply with all applicable laws, regulations, and requirements

5.2 Disclosure Obligations

To receive optimal service, you must:

• Provide accurate, complete, and current information
• Disclose relevant background, circumstances, and constraints
• Inform us promptly of changes affecting your situation
• Ask questions when clarification is needed

5.3 Misuse Prohibition

You agree NOT to:

• Use SSGM materials for illegal, unethical, or fraudulent purposes
• Misrepresent SSGM services, credentials, or outcomes
• Copy, reproduce, or resell SSGM intellectual property
• Hold SSGM responsible for decisions you make based on our services

6. Limitation of Liability

6.1 No Liability for Outcomes

To the maximum extent permitted by law, SSGM is NOT liable for:

• Failure to achieve desired outcomes (exam passes, job offers, visa approvals, etc.)
• Decisions made based on information or guidance provided
• Opportunities missed, lost, or not realized
• Time, money, or effort invested in pursuing goals
• Changes in policies, regulations, market conditions, or requirements
• Actions or inactions of third parties (employers, government, institutions)

6.2 Indirect & Consequential Damages

SSGM is NOT liable for:

• Indirect losses: Lost income, opportunities, or business
• Consequential damages: Arising from or related to service use
• Emotional distress: Disappointment, stress, or psychological impact
• Third-party claims: By employers, institutions, or other parties

6.3 Maximum Liability Cap

Where liability cannot be excluded by law, SSGM's maximum liability is limited to:

• The fees paid by you for the specific service giving rise to the claim, OR
• $1,000 AUD, whichever is lower

7. Platform-Specific Disclaimers

7.1 Academy Programs

• Training quality, curriculum, and teaching methods are subject to ongoing improvement
• Individual learning outcomes vary based on aptitude, effort, and circumstances
• We provide preparation support, not guarantees of certification or examination success
• Examination content, format, and marking criteria are controlled by external bodies
• Job market conditions, employer requirements, and opportunities are beyond our control

7.2 Advisory Services

• Advice is based on information provided and professional judgment at the time
• Circumstances, markets, and environments change; advice may need updating
• Implementation success depends on your execution and external factors
• We provide strategic guidance, not guarantees of outcomes or results
• You remain responsible for all decisions and their consequences

7.3 Digital Products

• Templates, toolkits, and frameworks are general resources requiring customization
• Not tailored to every specific situation, industry, or regulatory context
• You must adapt, verify, and validate for your particular circumstances
• No guarantee of legal compliance, fitness for purpose, or specific results
• Sold “as is” with no warranty except as required by law

7.4 Contracting Services

• Project outcomes depend on scope clarity, client cooperation, and external factors
• Changes in requirements, timelines, or resources may impact deliverables
• We deliver agreed work; client satisfaction also depends on expectations management
• Force majeure events (natural disasters, pandemics, etc.) may affect delivery
• Specific warranties and liabilities defined in individual service agreements

7.5 Ventures Consulting

• Strategic recommendations are based on information available and best professional judgment
• Market dynamics, competitive actions, and unforeseen events may affect outcomes
• Implementation success depends on client execution, organizational readiness, and resources
• We provide frameworks and guidance; client owns final decisions and results
• Consulting engagements governed by specific statements of work (SOW)

8. Intellectual Property

8.1 Ownership

All content, materials, frameworks, methodologies, and resources created by SSGM are our intellectual property, including:

• Training curriculum and course materials
• Advisory frameworks and methodologies
• Digital products, templates, and toolkits
• Website content, design, and branding
• Proprietary systems and processes

8.2 Usage Restrictions

Unless explicitly licensed in writing, you may NOT:

• Reproduce, distribute, or resell SSGM materials
• Modify, reverse-engineer, or create derivatives
• Remove copyright notices or attributions
• Use for commercial purposes without authorization
• Share login credentials or licensed access

8.3 Personal Use License

When you purchase services or products, you receive a limited, non-transferable, personal use license for the specific materials provided.

9. Refunds & Cancellations

9.1 General Policy

Refunds and cancellations are governed by:

• Australian Consumer Law protections
• Our specific terms and conditions for each service
• Individual service agreements or statements of work

9.2 No Refunds For

Generally, refunds are NOT provided for:

• Failure to achieve desired outcomes (exam passes, job offers, etc.)
• Change of mind after service commencement
• Personal circumstances preventing participation
• Dissatisfaction with effort required or difficulty level
• Digital products after access/download provided

9.3 Refunds Available For

Refunds may be considered for:

• Major service failures (no-show instructors, missing content)
• Misrepresentation of service or product
• Technical issues preventing service delivery (our fault)
• Cancellation by SSGM (full refund)
• As required by Australian Consumer Law

Contact us at info@ssgmgroup.com to discuss specific refund requests.

10. Changes to Services & Terms

10.1 Service Modifications

SSGM reserves the right to:

• Modify, suspend, or discontinue services at any time
• Change pricing, features, or program content
• Update policies, terms, and conditions
• Improve or alter delivery methods

10.2 Notice of Changes

Material changes will be communicated via:

• Email notification to registered clients
• Website announcement and updated terms
• In-service notifications (where applicable)

10.3 Continued Use

Your continued use of SSGM services after changes constitutes acceptance of updated terms.

11. Dispute Resolution

11.1 Initial Resolution

If you have concerns or complaints:

1. Contact us at info@ssgmgroup.com with detailed explanation
2. We'll acknowledge within 2 business days
3. We'll investigate and respond within 10 business days
4. We'll work collaboratively to resolve issues

11.2 Escalation

If internal resolution fails, you may:

• Seek mediation through recognized dispute resolution services
• Contact relevant consumer protection authorities
• Pursue legal remedies as available under Australian law

11.3 Governing Law

This disclaimer and all SSGM services are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of Victorian courts.

12. Contact & Questions

13. Acknowledgment & Agreement