- Why eLearning?
- Courses Offered
- Get Started
- Shop Now
- Contact Us
Today, it is not enough to simply work hard and make money. You must also put your hard earned money to work so that it sets you on a path towards the wealth and security you desire.
An essential ingredient of success in today’s competitive economic environment is financial know-how. Without it, most struggle to make the important strategic and day-to-day decisions that allow them to accumulate wealth.
Swiss eLearning Institute’s Wealth Management course is a comprehensive financial programme that begins by establishing the three critical concepts of financial planning, debt and savings. The course then examines advanced topics such tax liabilities and insurance issues. Learn how to wisely invest your assets including investing in funds, retirement accounts, taxable accounts, educational expenses, real estate, insurances and more. Smartly evaluate your financial health and plan your financial goals with this course.
Choose Swiss eLearning Institute’s Wealth Management course and move toward financial stability and success today.
QNET is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience.
This Statement of Privacy applies to the QNET website and governs data collection and usage. By using the QNET website, you consent to the data practices described in this statement.
Collection of Your Personal Information
QNET collects personally identifiable information, such as your email address, name, home or work address or telephone number. QNET also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favourites.
There is also information about your computer hardware and software that is automatically collected by QNET. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by QNET for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the QNET website.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through QNET public message boards, this information may be collected and used by others. Note: QNET does not read any of your private online communications.
QNET encourages you to review the privacy statements of websites you choose to link to from QNET so that you can understand how those websites collect, use and share your information. QNET is not responsible for the privacy statements or other content on websites outside of the QNET website and the QNET family of websites.
Use of Your Personal Information
QNET collects and uses your personal information to operate the QNET website and deliver the services you have requested. QNET also uses your personally identifiable information to inform you of other products or services available from QNET and its affiliates. QNET may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
QNET does not sell, rent or lease its customer lists to third parties. QNET may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (email, name, address, telephone number) is not transferred to the third party. In addition, QNET may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to QNET, and they are required to maintain the confidentiality of your information.
QNET does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
QNET keeps track of the websites and pages our customers visit within QNET, in order to determine what QNET services are the most popular. This data is used to deliver customised content and advertising within QNET to customers whose behaviour indicates that they are interested in a particular subject area.
QNET websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on QNET or the site; (b) protect and defend the rights or property of QNET; and, (c) act under exigent circumstances to protect the personal safety of users of QNET, or the public.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalise QNET's pages, or register with QNET site or services, a cookie helps QNET to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same QNET website, the information you previously provided can be retrieved, so you can easily use the QNET features that you customised.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the QNET services or websites you visit.
Security of Your Personal Information
QNET secures your personal information from unauthorised access, use or disclosure. QNET secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorised access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
Changes to this Statement
QNET will occasionally update this Statement of Privacy to reflect company and customer feedback. QNET encourages you to periodically review this Statement to be informed of how QNET is protecting your information.
QNET welcomes your comments regarding this Statement of Privacy. If you believe that QNET has not adhered to this Statement, please contact QNET's webmaster. We will use commercially reasonable efforts to promptly determine and remedy the problem
Your use of this website constitutes your acceptance to the terms of this Disclaimer.
No Warranty to Accuracy
The information provided by us on this website is on an ‘as is’, ‘as available’ basis and is for general, indicative purposes only. Although every effort is made to ensure the reliability of the information contained in this website, this shall not constitute as a warranty, either expressed or implied with regards to the accuracy and adequacy of any information stated herein.
We expressly disclaim any guarantee or warranty of promised future income or earning. Any claim of earning or earning potential should be treated as an opinion only and you shall not rely on it unless you have verified its accuracy. We shall not be held liable to and shall not accept any liability, obligation or responsibility whatsoever for any loss or damage arising from your reliance on such claims.
Links to Third Party Website
Links to third party websites may be provided in this website. The provision or assistance in providing such links is only for users' easy reference purposes only. It does not represent that we agree or do not disagree with the contents of any such external sites. We will not have or accept any liability, obligation or responsibility whatsoever for the content of such external websites and will not accept any responsibility and shall not be held responsible for any loss or damage arising from or in respect of any use or misuse or reliance on the contents of any such external websites. We reserve our right to delete or edit any information on this site at any time at our absolute discretion without giving any prior notice.
Licence to Use
We grant you a limited licence to access and make personal use of this site. Except with our express written consent, you are not allowed to download or modify our website, or any portion of it. You are not allowed to reproduce, duplicate, copy or modify our website or any portion of it.
On this website, we may provide materials which you are expressly allowed to download. By downloading any such materials, you agree to use the materials only for your personal, non-commercial use. You must retain all copyright and other proprietary notices contained in the original materials or any copy of those materials. You are not allowed to use these materials for any commercial purposes, other than for the purpose of promoting the networking business of the Company, or on any other website unless a prior approval is obtained from the Company in accordance with the QNET Policies & Procedures.
When you make any transaction via our website or send emails to us, you agree to receive communications from us electronically and all agreements, notices, or any other communications that we provide you electronically satisfy any legal requirement that such communications be in writing.
The content of this website, including text, graphics, images, logos and the compilation of the content of this website are our intellectual property.
Links to Third Party Websites
Links to third party websites may be provided on our website. However, we are not responsible for the content of those third party websites. Please refer to our Disclaimer.
QNET expects all Independent Representatives (IRs) to uphold the principles of fairness, honesty and integrity in all their dealings and activities as IRs.
This Code of Ethics forms part of the QNET Policies & Procedures and all other regulations and agreements currently in place, which bind every IR. Any serious breach of the Code, Policies & Procedures, regulations and agreements in place will involve action(s) being taken by QNET in accordance with the QNET Policies & Procedures.
The Code of Ethics explains proper conduct of business for IRs to practice.
Additionally, QNET encourages all IRs to obtain and observe the Code of Ethics that has been provided by any DSA (Direct Selling Association) in their respective countries if and where applicable.
It is a mandatory requirement that IRs comply with the Code of Ethics at all times.
Part A - CONDUCT
1. DEALING WITH THE GENERAL PUBLIC
1.1 Contact & Communications
a) will at all times, when contacting anyone either from a telephone list or by
other means, respect the privacy and wishes of the person contacted;
b) will never engage in objectionable or abusive conduct, unfair or aggressive conduct when contacting or dealing with any other person in relation to QNET or opportunity it provides;
c) will offer the opportunities of, and association with QNET, on its merits without exaggeration, concealment, curiosity or misrepresentation;
d) will ensure they maintain their personal presentation in dress, language and documentation to the highest possible standard;
e) Will observe the provisions of the law and good manners regarding times and days when making the call and appointments.
1.2 Presenting Opportunity
An IR presenting the Business Plan at any time, conducting a Training Event or Seminar or QNET IR Meeting will:
a) not falsely represent to any person any details regarding the financial rewards
available under the QNET Plan;
b) not make any false or misleading representations about the features of QNET’s products, services and programmes, including as to their standard, quality, value, characteristics, accessories, uses for a particular purpose, merchantability or benefits;
c) not make any false or misleading representations about the price of QNET products or services;
d) not engage in conduct that is liable to mislead anyone as to the nature, manufacturing process, characteristics, suitability for purpose or quality of any QNET products or services;
e) not make any false or misleading representations concerning the need by anyone for goods or services;
f) make it thoroughly clear to any person to whom the IR discusses the opportunity that financial rewards to IRs are based on an IR’s individual performance;
g) use official literature as approved by QNET including forms, scripts and other tools.
1.3 Conducting Business
An IR must not at any time:
a) take advantage of another person's disabilities or weaknesses, such as illness,
age, infirmity, lack of education or unfamiliarity with language;
b) actively solicit or demand orders for QNET products by anything other than an offer to collate any order an IR wishes to make, including by the use of physical force, undue harassment or coercion;
c) refuse to identify themselves when requested to do so.
1.4 Explaining the Business Plan
When presenting or discussing the QNET Business Plan and the Benefits which might be available, an IR must generally rely for reference on QNET literature and observe the following regarding the contents of the Business Plan:
a) if predictions as to profitability are made, they should reflect what an average
person carrying on the Business would achieve under normal circumstances;
b) if any estimates of profits are made, the assumptions on which they are based should be clearly stated;
c) where there is no previous experience on which to base expectations as to profitability, this should be stated when making the representation.
When presenting or discussing the QNET Business Plan, an IR must not make false representations concerning:
a) any risks likely to be associated with carrying on the Business;
b) the amount of time the average person would have to devote to carrying on the Business;
c) the annual expenditure and the annual gross income which the average person carrying on the Business might expect and the method of calculating those figures.
Part B - OBLIGATIONS
2. GENERAL OBLIGATIONS
2.1 Authorisation Limit
Authorisation of an IR is limited. They shall refer any matter pertaining to QNET to the designated Company Representative. An IR shall not interfere in any decision making process without prior written approval from the Company Representative.
2.2 Poaching Independent Representatives
QNET does not condone the intentional poaching of other competitors’ IRs or IRs from another line of referralship within the QNET Business.
3. USE OF QNET PROPERTY
As trademarks, logos and service marks are registered and owned by QNET and/or its affiliates, all written materials are the copyright of QNET. The use of trademarks, logos or service marks or the publication of copyright materials may only be undertaken with the written authorisation from QNET and not otherwise.
4. PRODUCT CLAIMS
QNET publishes detailed data about its products which is verifiable, accurate and complete. An IR must not make claims about any QNET products or services unless they are sourced from appropriate official QNET literature and accurately reflect the information contained in the appropriate literature.
5. OBLIGATIONS OF INDEPENDENT REPRESENTATIVE
5.1 Promote Ethical Business Practice
An IR will:
a) ensure the IRs in his/her group are aware of this Code and at all times carry
out their Business relationships either within the group or with IRs of the public
in a lawful manner, with courtesy and integrity, and in accordance with this Code;
b) ensure they remain well informed regarding laws applicable to the Business and duties of an IR including other essential facts and public policies or regulations which may affect such Business and duties;
c) keep confidential and not unethically use information that may be of detriment to another IR’s Business.
5.2 QNET’s Obligations
QNET will ensure that:
a) its employees will at all times act in a manner which does not conflict with
the best legitimate interests of an IR and carry out duties in accordance with professional
courtesy and integrity;
b) IRs are kept well informed regarding laws applicable to the Business and duties of IRs and other essential facts and public policies which affect such Business and duties and will comply with all the requirements thereof;
c) full cooperation of its employees is given to IRs with respect to advising them about matters which affect them;
d) it acts in the IRs’ legitimate interest to the best of its abilities.
Part C - APPLICATIONS
6. APPLICATION OF THE CODE OF ETHICS
QNET and an IR will accept the Code of Ethics entirely and observe its provisions.
QNET and an IR will ensure full compliance of the Code:
a) in QNET’s case by Directors, Executives and all other employees;.
b) in the IR’s case by the IR and their Downlines
QNET will administer its dealings with IRs in a manner that is conducive to compliance of the Code of Ethics.
7. ETHICAL CONTACT
IR(s) must not:
a) tout for or on behalf of another MLM Company or Direct Selling Company;
b) divulge confidential information to unauthorised persons or for unauthorised or unethical purposes;
c) discuss financial aspects of other IRs’ Businesses;
d) encourage another IR to change line of referralship;
e) engage in Cross Lining or Poaching;
f) encourage or induce any other person to engage in Cross Lining or Poaching;
g) use QNET’s sponsored Functions, Literatures or CDs to support Cross Lining or Poaching.
8. POTENTIAL IR ASSISTANCE
An IR, either with or without an Upline’s assistance, must at all times complete all relevant parts of an Application in the presence of the Prospect.
8.1 Explanation to Prospect
A Sponsor or Upline must explain to the Prospect, and complete in their presence, the details of the Application Forms so that the Prospect comprehends that they are personally introduced by the Upline or Referrer.
8.2 Application Subject to Acceptance
The Application Form is subject to QNET’s discretion in accepting it as a valid application and making the appointment of that person as an IR.
If an IR becomes aware of a breach of this Code, and wishes to proceed to lodge a complaint, the complaint should be made in writing in accordance to QNET Policies & Procedures.
Part D – “I AM COMMITTED TO MY SUCCESS”
“Good Business ethics starts with ME, the Leader. As a QNET Independent Representative, I will…
This is my pledge and commitment to myself, my network, and my Company.”
We make every effort to ensure that we accurately represent these products and services and their potential for income. Earning and/or income statements made by our Company and/or Independent Representatives are estimates of what you can possibly earn. There is no guarantee that you will make these levels of income and you accept the risk that the earnings and income statements differ by individual. The examples are not to be interpreted as any guarantee, promise, representation and/or assurance. We do not purport our business and/or us as being a 'get rich scheme'.
As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees, promises, representations and/or assurances concerning the level of success you may experience. Your level of success in attaining the results claimed depends on the time you devote to the business, the ideas and techniques mentioned, your finances, knowledge and various skills, since such skills and factors differ according to individuals.
Testimonials and examples used are exceptional results, which do not, or may not, apply to the average person, and are not intended to guarantee, promise, represent and/or assure that anyone will achieve the same or similar results. We reiterate that each individual’s success depends on his or her background, dedication, desire and motivation.
There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business and on the Internet that we cannot foresee, which can reduce results. We are not responsible for your actions. Any claims made of actual earnings or examples of actual results can be verified upon request.
The use of our information, products and/or services should be based on your own due diligence, which you undertake and confirm that you have carried out to your entire satisfaction. You agree that our company is not liable for any success or failure of your business, acts and/or conduct that is directly or indirectly related to the business and/or the purchase and use of our information, products and/or services.