Last Updated: 26 October 2025
1. ACCEPTANCE OF TERMS
These Terms of Use ("Terms") constitute a legally binding agreement between you and Global Family Enterprise Advisors Pte Ltd, operating as "Family and Business Learning" ("FAB LEARNING," "we," "us," or "our"). These Terms govern your access to and use of the FAB LEARNING websites www.familyandbusinesslearning.com, www.fab-learning.com, www.familybusinessonthemoon.com, and www.thefamilyandbusinessstore.com (hereinafter the “Site”) and Services. By accessing or using any part of the Site or Services, you agree to be bound by these Terms.
2. SERVICES AND MEMBERSHIP
FAB LEARNING provides a cloud-based platform offering assessment products, subscription plans, and AI-driven insights for family businesses. Access to certain Services requires registration for a membership plan ("Membership"). You are responsible for all activities under your account and must keep your login credentials secure.
The FAB LEARNING cloud-based services include:
(a) Assessment Products
Our proprietary tools for family and business evaluation, including:
Core Assessments:
Premium Assessments (pay-per-use):
(b) Subscription Plans
Access tiers for individuals and organizations:
(c) Platform Features
(d) Supplementary Services
Collectively, these offerings—delivered online and via mobile—constitute our “Services.”
We may introduce new assessments, features, or plan upgrades, which will be governed by these Terms.
3. UPDATES
Internet technology, publishing technology, and the applicable laws, rules, and regulations change frequently. Accordingly, FAB LEARNING reserves the unilateral right to update, modify, upgrade, change or replace any technology, including AI tools, and alter the Site, the Terms of Use as well as its Data Processing Agreement and Privacy Policy, at any time. All such updates, modifications, changes and alterations are binding on all users and browsers of the Site, readers of electronic and non-electronic versions of the publications produced by FAB LEARNING. Such updates will be posted on the Site. Your continued use of the Site, either by registration or simple use, constitutes sufficient assent to any new or modified provision of this Terms that may be posted on the Site.
4. DATA PROCESSING TERMS
4.1. Roles and Responsibilities. When you use our Services to process Personal Data relating to other individuals (for example, as an Advisor conducting assessments for your clients), you act as the "Data Controller" and we act as the "Data Processor" under applicable data protection laws. You are solely responsible for complying with your obligations as a Data Controller.
4.2. Data Processing Agreement (DPA). Subscribers to the "Advisor" and "Advisor Plus" plans are required to agree to our Data Processing Agreement as a condition of use. By selecting an Advisor-tier plan and completing the sign-up process, you are deemed to have executed the DPA, which is incorporated into these Terms by reference. For all other users, these Terms, together with our Privacy Notice, govern our respective data protection responsibilities.
5. FEES, PAYMENTS, AND CANCELLATION
By starting a paid Membership, you authorize us to charge your designated payment method. We reserve the right to adjust pricing with reasonable notice. All payments are non-refundable. You may cancel your Membership at any time through your account settings; cancellation is effective at the end of your current billing cycle.
6. DATA OWNERSHIP, USAGE RIGHTS, AND CONFIDENTIALITY
6.1. Your Retention of Ownership. You own all right, title, and interest in and to the following (collectively, "Customer Data"):
(a) The personal data, family information, business details, and responses to assessment questions that you, your family members, or your clients input into the Services ("Assessment Data");
(b) The specific insights, reports, and analytical outputs generated by our AI systems based on your Assessment Data ("AI-Generated Outputs").
6.2. Limited License to FAB LEARNING. You grant FAB LEARNING a limited, worldwide, non-exclusive, royalty-free license to:
(a) Host, process, and reproduce your Customer Data solely to the extent necessary to provide, maintain, and improve the Services for you;
(b) Generate AI-Generated Outputs using our self-hosted or securely integrated AI systems;
(c) Use Aggregated and Anonymized Data—data that has been stripped of all personally identifiable information and cannot be linked back to you or any individual—for our legitimate business purposes, such as analytical research, industry benchmarking, and improving our AI models.
6.3. Treatment of Assessment Data. We treat your Assessment Data as Confidential Information. We will not use, disclose, or reproduce your Assessment Data for any purpose other than providing the Services to you, as explicitly permitted in this Agreement.
6.4. Public Content. If you choose to post comments, questions, or other materials in public forums on our Site ("Public Content"), you grant us a broader license to use, display, and distribute that Public Content. Your Assessment Data and AI-Generated Outputs are never considered Public Content unless you explicitly choose to share them in a public forum.
6.5. Your Responsibilities. You are solely responsible for the accuracy, quality, and legality of your Customer Data and for ensuring you have all necessary rights to provide it to us.
7. INTELLECTUAL PROPERTY
The Site, Services, and all FAB LEARNING content are protected by intellectual property laws. You are granted a limited, non-exclusive license to use the Services. FAB LEARNING retains all rights in the underlying AI models, prompts, and analytical frameworks.
8. DISCLAIMER OF WARRANTIES
The Site and Services are provided "As is" and "As available". To the fullest extent permitted by law, FAB LEARNING disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. AI-generated insights are for informational purposes only and do not constitute professional advice.
9. LIMITATION OF LIABILITY
To the maximum extent permitted by law, FAB LEARNING shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total aggregate liability shall not exceed the total amount of fees paid by you in the six (6) months preceding the event giving rise to the claim.
10. INDEMNIFICATION
You agree to indemnify and hold harmless FAB LEARNING from any claims arising from your use of the Services, your violation of these Terms, or your violation of any third-party rights.
11. GOVERNING LAW AND DISPUTE RESOLUTION
These Terms shall be governed by the laws of Singapore. You agree that any legal action shall be brought exclusively in the courts of Singapore.
12. ENTIRE AGREEMENT
These Terms, together with our Privacy Notice, Cookie Policy and, where applicable, the Data Processing Agreement, constitute the entire agreement between you and FAB LEARNING regarding the Site and Services and supersede all prior agreements.