Terms and Conditions

As a user of the Skheme website www.skheme.com, you are bound by the following terms and conditions. Accordingly, you should review them in relation to all or part(s) of the website.


By allowing you to access the website, Skheme grants to you a licence. By accessing the website, you accept the terms and conditions of this licence. Pursuant to this licence and subject to the absolute right of Skheme to vary access to all or any part(s) of the website, you acquire a non-exclusive right to:

  • View the material in the website.
  • Access material contained in the website.
  • Use the website strictly in accordance with the provisions of this licence.

If you wish to download and use any material contained in the website for a temporary purpose (such as viewing offline), you may do so. However, downloading material contained in the website for reproduction by you may only be done upon receipt of prior written consent from Skheme, and upon payment of any fee required by Skheme to be paid by you for that use.

Your Obligations

You hereby undertake the following obligations:

  • To not copy or translate for commercial use, reproduce, adapt, vary or modify any material in the website without the express consent of Skheme, except as expressly authorised by this licence.
  • To ensure your employees, subcontractors and other agents (if any) who have authorised access to the website is made aware of the terms and conditions of this licence.
  • To not provide or otherwise make available any material in the website in any form to any person other than employees, subcontractors and other agents (if any) without the written consent of Skheme.
  • To not use the material in the website for, or in connection with, a service bureau operation.


Skheme does not warrant that the material in the website is accurate, complete or up to date. The existence of inaccurate, incomplete or superseded material in the website will not cause Skheme to be in breach of the terms of this licence. Skheme reserves the right to change, add or remove any material in or from the website without notice. Skheme does not warrant that the functions contained in the website or third-party websites will be uninterrupted or without error, that defects will be corrected, or that electronic material in the website and other third-party websites are free of viruses or other harmful components. To the extent permitted by law, all implied terms are excluded. If any statute implies terms into this licence, which cannot be lawfully excluded, such terms will apply to this licence, save that the liability of Skheme for breach of any such implied term will be limited, at the option of Skheme, to any one or more of the following:

  • The replacement of goods or services to which the breach relates or the supply of equivalent goods or services.
  • The repair of such goods or services.
  • The payment of the cost of replacing the goods or services or of acquiring equivalent goods or services.
  • The payment of the cost of having the goods repaired or the services performed again.

Skheme will not be liable for any indirect or consequential losses arising out of a breach of this licence, or arising out of the supply of a defective program or incorrect materials. When deciding to visit the website, you acknowledge that you have exercised your independent judgment and have not relied on any representation made by Skheme which has not been stated expressly in this licence or upon any descriptions or illustrations or specifications contained in any document including catalogues or publicity material produced by Skheme (which material may be out of date or superseded). Intellectual Property Rights You acknowledge that the material in the website is the subject of copyright© and that it is the subject of other intellectual property and legal rights (including third-party rights). You must not, during or at any time after the expiry or termination of this licence, permit any act which infringes any of those rights and, without limiting the generality of the foregoing, you specifically acknowledge that you may not copy the material in the website, except as otherwise expressly authorised by this licence.


'Skheme' and all associated trademarks, whether registered or unregistered, are trademarks of Skheme Limited and their related bodies corporate. Access to or use of the website does not constitute or create a licence or any other right to use Skheme’s name, trademarks, copyright or any other intellectual property.

Subscription Services 

Subscribers to services of the website may store in digital format in computer terminals, databases or other repositories material which is supplied in the normal course of a subscription. Password access is restricted to a single subscriber. Passwords and user names must not be distributed to any other person, body or corporation. Subscribers must take due care to protect the copyright of materials from unauthorised use, copying, reproduction, lending, reselling, manipulation, disassembly, distribution or publication. In the event that a subscriber breaches this duty, or if it is found that a subscriber's conduct violates applicable law, Skheme may immediately suspend or terminate a subscriber's subscription without notice.


You must indemnify and keep Skheme indemnified fully against all liabilities, damages, claims, losses, costs and expenses, which Skheme may incur to a third party or you as a result of your breach of the provisions of this licence. This website may contain hyperlinks to other websites operated by third parties. You accept that Skheme has no control over, and is not responsible for, any material contained on any third-party websites. You may be required to comply with all requirements of any third party over the conditions of use of that third party's website. Users are prohibited from placing a link to the website without the prior written consent of Skheme and on terms satisfactory to Skheme.


You accept that Skheme takes no responsibility for any error or omission relating to the material contained in the website. You accept that Skheme makes no undertakings to provide access to the website at any particular time, or for any particular length of time. You agree that Skheme will not be held liable for any lapse in the website's accessibility or any consequences whatsoever that flow from the unavailability of the website.

Terms of Licence

This licence commences upon your accessing the website and is granted in perpetuity. However, the licence may be terminated without notice by Skheme if you are in breach of any terms of this licence. Upon termination, you or your representative must destroy any copies, electronic and printed, of material obtained from the website that you have in your possession or under your control or otherwise return or dispose of such material in the manner directed by Skheme. Termination pursuant to this clause shall not affect any rights or remedies, which Skheme may otherwise have under this licence or at law.

Amendments to this Licence

These are the current terms and conditions of the licence. Skheme may at any time vary and amend the terms and conditions of this licence by publishing the varied Terms and Conditions of Use on the website. You accept that by doing this, Skheme has provided you with sufficient notice of the variation and amendment. It is your responsibility to familiarise yourself with the current terms and conditions each time you visit the website.


Failure or neglect by Skheme to enforce at any time any of the provisions of this licence shall not be construed or deemed to be a waiver of the rights of Skheme under this licence.


This licence shall be governed by and construed according to the laws of the State of New South Wales, Australia.


'Skheme' means Skheme Pty Limited, all of its related bodies corporate. A related body corporate means a related body corporate as defined in the Corporations Law of Australia. 'Hyperlink' means any mechanism of providing a link from one location on the Internet (or a web page) to another location on the Internet (or a different web page, or a different location on the same web page), and includes any mechanism for linking to, or providing access to, files via the Internet. 'Intellectual Property' means all intellectual property rights as defined by Article 2 of the World Intellectual Property Organisation Convention of 1967, in any inventions, designs, trademarks, trade names, circuit layouts, plant varieties, logos and get-up, confidential information, matter, materials or works accessible on or via the Skheme websites.

Privacy Policy

Skheme Pty Limited and its associated entities (collectively, "Skheme") are committed to respecting the privacy of your personal information. This Website Privacy Notice explains our policy for dealing with personal information that we collect through our website www.skheme.com ("website"). Throughout this Policy, we refer to your "personal information" which means information which identifies you as an individual or from which your identity can be reasonably ascertained. Your home address and home telephone number are examples of personal information. We will post any changes to this Website Privacy Notice on the website, so we encourage you to check this Website Privacy Notice from time to time.

Information Collected

The information about you which we may collect through the website includes:

  • Information collected when you register or update an online profile, which may include personal information such as your name and contact details;
  • The content of electronic forms you submit via the Website, requesting us to provide services or information, or take action;
  • Any messages or comments you submit to us via the Website;
  • Information collected when you participate in an online survey; and
  • Information you provide to Skheme, where you have used the Website to apply for a position with Skheme.

We may also collect aggregated information which tells us about visitors to the website but not the identity of those visitors. For example, we may collect information about the date, time and duration of visits and which pages of the website are most commonly accessed. This information is used by us to help to administer and improve the website.

No Cookies

The website does not use "cookies", small text files which are placed on your hard drive by some websites to store information. Use and Disclosure of Information We may share personal information with other Skheme entities and with third parties including our correspondent offices, your advisers and organisations with whom we have co-promotional arrangements (and any third parties used in administering those arrangements). We may also share personal information with other service providers including organisations that assist us by providing archival, auditing, consulting, mailhouse, delivery, technology and security services. In addition to providing our services to you, we may use or disclose personal information that we collect about you:

  • For the purposes for which it was collected;
  • Where you have consented to the use or disclosure;
  • To maintain our relationship with you;
  • For purposes related to Skheme's research, planning and service development;
  • Where a third party acquires or wishes to acquire, or makes inquiries in relation to acquiring, an interest in Skheme; and
  • To the extent that we are required or authorised by law to do so.

We may also use your personal information to keep you informed of our services, events, developments in design and other matters. If you do not wish to be contacted for those purposes, please let us know using the contact details set out below. We aim to provide you with information and invitations that we consider may be of interest or relevance to your business.


The website may, from time to time, contain links to the websites of other organisations which may be of interest to you. Linked websites are responsible for their own privacy practices and you should check those websites for their respective privacy statements.


We use a number of mechanisms to protect the security and integrity of your personal information. Unfortunately, no data transmission over the Internet can be guaranteed as completely secure. So, while we strive to protect such information, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once any personal information comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorised access, modification or disclosure.

Access to Information

If you wish to request access to any personal information which we hold about you as a result of our information collection practices outlined in this Website Privacy Notice, please contact us using the contact details set out below. Please provide as much detail as you can about the particular information you seek, in order to help us retrieve it. An access fee may be charged to cover our costs of providing the information to you. If you have any questions or feedback about privacy, or wish to make a complaint about the way in which we have handled your personal information, you may contact us as set out below.

Email: privacy@skheme.com

Phone: +61 2 8755 2300

Fax: +61 2 8755 2350

Address: 2/12-14 Neild Avenue Rushcutters Bay 2010 Sydney NSW AUSTRALIA 


All material on this website is published in good faith, however Skheme Pty Ltd does not warrant or represent the origin, validity, accuracy, completeness, timeliness, authenticity or reliability of, nor accept any responsibility for errors or omissions, in any material on this website or in any accompanying or other material, including advertisements, whether oral, visual, written, printed or electronic. Skheme Pty Ltd is not liable for any losses, claims, damages, demands, costs and expenses of whatsoever nature arising in any way, including those caused by negligence, out of or in connection with the use of the website, or any accompanying or subsequent information, or by reason of any reliance upon its contents by any person, company or organisation. Potential customers should speak to a Skheme consultant regarding the qualities, colours and textures of all Skheme products before purchase.


Unless otherwise indicated, Skheme Pty Ltd owns copyright in the material made available on this site. Other than for the purposes of and subject to the conditions prescribed under the Copyright Act 1968 and Copyright Amendment Act (No.1) 1998 and Copyright Amendment Act (No.2) 1998, no part of it may in any form or by any means be reproduced, stored in a retrieval system or transmitted without prior written permission from Skheme Pty Ltd (ABN 17 102 818 806). Offenders will be prosecuted.