These Site Terms and Conditions (the "Terms") is a legally binding agreement made by and between Family and Business Learning (hereinafter, “FAB LEARNING”) and you, personally and, if applicable, on behalf of the entity for whom you are using this web site or any of its services (collectively, "you"). These Terms govern your use of FAB LEARNING's web site located at www.familyandbusinesslearning.com or www.fab-learning.com or www.familybusinessonthemoon.com (hereinafter the “Site”) and FAB LEARNING's services so please read the following carefully.
By accessing or using any part of the Site, you agree that you have read, understand, and agree to be bound by this Terms. If you do not agree to be so bound, do not access or use the Site.
These Terms address your legal rights and obligations and include important disclaimers and choice of law and forum provisions.
1. CHOICE OF LAW AND FORUM PROVISIONS (GOVERNING LAW)
The Site is run by Global Family Enterprise Advisors Pte Ltd, a non-governmental, privately held organization located at 14 Wilmonar Avenue Singapore 588044. You agree that these Terms and your use of the Site and the materials and content produced by FAB LEARNING are governed by the laws of Singapore. You hereby consent to the exclusive jurisdiction and venue of the courts, tribunals, agencies and other dispute resolution organizations in Singapore in all disputes:
FAB LEARNING has endeavored to comply with all legal requirements known to it in creating and maintaining the Site, but makes no representation that materials and/or content on the Site or produced by FAB LEARNING are appropriate or available for use in any particular jurisdiction. You are responsible for compliance with applicable laws. Any use in contravention of this provision or any provision of these Terms is at your own risk and, if any part of these Terms is invalid or unenforceable under applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall govern such use.
2. LIABILITY
Your use of and browsing of the Site is at your own risk. FAB LEARNING does not warrant that the software used for the Site, and the information, material, and content on it, or any other services and materials provided by means of the Site or by FAB LEARNING are error-free, or that their use will be uninterrupted. FAB LEARNING expressly disclaims all warranties related to the above-mentioned subject matter, including, without limitation, those of accuracy, condition, merchantability and fitness for particular purpose. Notwithstanding anything to the contrary on the Site, in no event shall FAB LEARNING be liable for any loss of profits, revenues, indirect, special, incidental, consequential, or other similar damages arising out of or in connection with the Site or out of the use of any of the services proposed by means of the Site.
FAB LEARNING make no representations or guarantees about any aspect of the content on the Site and does not endorse any opinions expressed by any users. ALL CONTENT IS POSTED "AS IS" AND YOUR USE OR RELIANCE ON ANY CONTENT IS AT YOUR OWN RISK. WE HAVE NO LIABILITY TO YOU FOR THE CONSEQUENCES OF USING OR RELYING ON ANY CONTENT, ADVICE OR OPINION DISPLAYED IN THE SITE.
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, change and alter the Site, the Terms as well as its Data Use 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. LEGAL DISCLAIMER
FAB LEARNING and its authors make no representations as to the accuracy, completeness, currentness, suitability, or validity of any information, material, or content on the Site.
The material and content posted on the site and any content produced by or published through fab learning are provided "as is" without any express warranty or implied warranty of any kind including warranties of merchantability, non-infringement of intellectual property, or fitness for any particular purpose. In no event shall fab learning be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information) arising out of the use of or inability to use the materials, even if fab learning has been advised of the possibility of such damages.
Fab learning, its affiliares and/or payment processing vendors, shall not be liable for any indirect, special, incidental, consequential, or exemplary damages arising from your use of the site.
Because some jurisdictions prohibit the exclusion or limitation of liability for consequential and or incidental damages, the above limitation may not apply to you. Furthermore, FAB LEARNING does not warrant the accuracy or completeness of information of links or other items contained within these materials that have been provided by third parties.
5. PROVISION REGARDING CHANGE IN ATTRIBUTION OF COPYRIGHTED MATERIALS
Please contact us at [email protected] if you, or your organization, wish to correct or change attribution or presentation of any image/material used on the Site, which you, or your organization, are the rightful copyright holder of. We will request that you submit proof of your ownership of the copyright on this material but will act immediately on any reasonable request.
6. NOTICE AND PROCEDURE FOR CLAIMS OF COPYRIGHT INFRINGEMENT
Every effort has been made by the Site's individual contributing authors as well as FAB LEARNING to discover and contact copyright holders of artwork/illustrations/content used on the Site. To the extent that a copyright holder could not be found or an inadvertent permissions or copyright error was made, FAB LEARNING stands ready to remove content upon notice and request by a copyright holder. In the case that you believe that any content or other material provided through the Site allegedly infringes your copyright, you should notify FAB LEARNING of your infringement claim in accordance with the procedure set forth below.
We will process each notice of alleged infringement which FAB LEARNING receives and take appropriate action in accordance with applicable intellectual property laws. A notification of claimed copyright infringement should be emailed to [email protected] (subject: "Takedown Request"). You may also contact us by mail at:
14 Wilmonar Avenue
Singapore 588044
The notification must be in writing and must contain at least the following information:
7. TRADEMARKS AND OTHER RIGHTS
All trademarks, logos, service marks, collective marks, design rights, personality rights or similar rights that are mentioned, used or cited by FAB LEARNING and its authors are the property of their respective owners. The use of any trademark in our materials does not vest in the author or FAB LEARNING any trademark ownership rights in such trademarks, nor does the use of such trademarks imply any affiliation with or endorsement of FAB LEARNING and its authors by such owners. As such, FAB LEARNING cannot grant any rights to use any otherwise protected materials. Your use of any such or similar incorporeal property is at your own risk. Content which in FAB LEARNING's reasonable opinion are believed to constitute trademarks may or may not have been labeled as such. However, neither the presence nor absence of such labels should be regarded as affecting the legal status of any trademarks.
8. SCREENSHOTS
Screenshots of copyrighted computer software, for which the copyright is held by the author(s) or the company that created the software, is believed to fall under the legal doctrine known as “Fair Use” in the USA (and similar laws in other jurisdictions). It is believed that reproduction for purposes such as criticism, comment, news reporting, teaching, or research does not constitute copyright infringement. If you reuse screenshots, as well as any other information provided by FAB LEARNING, you do so at your own risk and under the applicable copyright laws of your country.
9. COPYRIGHT OF ABSTRACTS
Abstracts in the Wiki Bibliography (/literature/) are submitted by their authors who use the wiki to make their research as accessible as possible to FAB LEARNING's user community. When a webpage on the Site references, cites or lists a work from the bibliography, its abstract is included. Abstracts entail varying copyrights, depending on which publisher the work is published through. You should assume that abstracts in the Site fall under the copyright - with all rights reserved - of its publisher and/or author and therefore must always use/cite abstracts according to the Fair Use doctrine. You may visit the publisher's website to learn about the specific copyright terms or contact the author directly. You must cite/use abstracts according to the principles of Fair Use as it may otherwise be construed as a copyright infringement and subject to legal action.
10. USER SUBMISSIONS / USER CONTENT
You hereby understand and acknowledge that additions to the Wiki Bibliography (including article abstracts), additions the Conference Calendar (including conference descriptions), user-contributed notes on each page (including text, photographs, graphics), or other materials posted by users on the Site (hereinafter referred to as the "Content") are the sole responsibility of the person from whom such Content originated. This means that you, and not FAB LEARNING, are entirely responsible for all Content that you upload, post or otherwise make available to other users of the Site.
When submitting content to the Site, you agree to not:
You acknowledge that FAB LEARNING shall have the right to immediately remove any Content that violates these Terms or is otherwise objectionable, at FAB LEARNING's discretion.
You are responsible for obtaining, at your own expense, all equipment and services needed to access the Site. If you are accessing the Site through a mobile device, your wireless carrier may charge you fees for data, text messaging, and other wireless access or communications services. We do not guarantee that the Site can be accessed through all wireless devices or service plans or are available in all geographical locations.
11. THIRD PARTY WEBSITES
If FAB LEARNING provides links or pointers to other websites, no inference or assumption should be made that FAB LEARNING operates, controls, or is otherwise connected with these websites. When you click on a link within the Site, we will not warn you that you have left a Site and are subject to the terms and conditions (including privacy policies) of the destination website. In some cases it may be less obvious than others that you have left a Site and reached another website. Please be careful to read the terms of use and privacy policy of any website before you provide any confidential information or engage in any transactions. You should not rely on these Terms for another website.
FAB LEARNING is not responsible for the content or practices of any other website. By using the Site, you acknowledge and agree that FAB LEARNING is not responsible or liable to you for any content or other materials hosted and served from any third party website.
12. EMAIL COMMUNICATION: CONFIDENTIAL AND PROPRIETARY INFORMATION NOTICE
Email messages sent from members of FAB LEARNING, including emails generated from the use of the Site website, are proprietary to FAB LEARNING, and are intended solely for the use of the individual to whom they are addressed. Such messages may contain privileged or confidential information and should not be circulated or used for any purpose other than for what they are intended. If you receive a message from a member of FAB LEARNING in error, please notify the sender immediately. If you are not the intended recipient, you are hereby notified that you are strictly prohibited from using, copying, altering, or disclosing the contents of the message. FAB LEARNING accepts no responsibility for loss or damage arising from the use of the information transmitted by email message including damage from virus.
You may not use or allow others to use your username and FAB LEARNING email address to e-mail, instant message, voice mail, fax, chat, send spam (e-mail) and spim (instant messages), or send any other unsolicited bulk communication to users of the Site or anyone else. You may not access the Site to harvest or collect any information about our users for any purpose without our express written authorization. You may not create multiple usernames for sending unsolicited bulk communications or posting advertising or other notice on the Site. Any violation of these provisions may result in immediate suspension or termination of your membership.
13. USAGE CONDITIONS
Please make sure that you understand that some or all of the information provided by FAB LEARNING is being provided freely, and that no kind of agreement or contract is created between you and the owners, partners, users, or authors of this site, the owners of the servers upon which it is housed, the individual contributors of the FAB LEARNING, any project administrators, sysops or anyone else who is in any way connected with this project. If you choose to use or copy anything from this site it does not create or imply any contractual or extra-contractual liability on the part of FAB LEARNING or any of its members, partners, sponsors, affiliates, contributors or other users. Your use of any such or similar incorporeal property is at your own risk.
If a court of law finds that any provision of these Terms is invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.
14. MEMBERSHIP
FAB LEARNING currently offers membership to users. Such options are available when a user registers into the Site. Users cannot sell, transfer, lease or otherwise allow unauthorized third parties to use access/use their account.
Your FAB LEARNING membership will begin on the day you finish your log-in process until you request to cancel your membership or we terminate it according to these Terms.
Any materially different or additional terms from those described in these Terms will be disclosed when you create your account and sign-up into your membership or in other communications made available to you, including e-mail. FAB LEARNING hereby reserves the right to modify, terminate or otherwise amend its membership plans.
15. TERMINATION
FAB LEARNING will have the right to terminate your access to the Site if it reasonably believes you have breached any of the terms and conditions of these Terms. Following termination, you will not be permitted to use the Site. If your access to the Site is terminated, FAB LEARNING reserves the right to exercise whatever means it deems necessary to prevent unauthorized access to the Site, including, but not limited to, technological barriers, IP mapping, and direct contact with your Internet Service Provider. These Terms will survive indefinitely unless and until FAB LEARNING chooses to terminate them, regardless of whether any account you open is terminated by you or FAB LEARNING or if you have the right to access or use the Site.
16. FORCE MAJEURE, WEBSITE DOWNTIME, AND SERVICE OUTAGES
FAB LEARNING will not be liable for failing to perform under these Terms because of any event beyond its reasonable control, including, without limitation, a labor disturbance, an Internet outage or interruption of service, a communications outage, failure by a service provider to FAB LEARNING to perform, fire, terrorism, natural disaster, or war.
17. LIMITATION OF ACTIONS
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, relating to, or connected with your use of the Site, must be filed within one calendar year after such claim or cause of action arises, or forever be barred.
18. BILLING, PAYMENTS, REFUNDS, CANCELLATION
Billing. By starting your FAB LEARNING membership and providing your payment method (e.g. Credit Card, PayPal account, or other payment methods introduced in the future), you hereby authorize FAB LEARNING to charge and process a fee depending on the product terms at the then-indicated current rate, and any other charges you may incur in connection with your use of FAB LEARNING's services.
FAB LEARNING hereby reserves the right to adjust pricing for its services or any components thereof in any manner and at any time, as determined in FAB LEARNING's sole and final decision. Except as otherwise expressly provided for in these Terms, any price changes will enter into force following e-mail notice to you.
Payments. Online payments for services offered through the Site are currently done by our Paypal, Stripe, collectively referred to as “Payment Gateways”. All Payment Gateways are external, third party payment processing vendors and their payment services and other services are subject to their respective Terms and Conditions. FAB LEARNING hereby reserves the right to offer further Payment Gateways, which will be governed and subject to the respective terms and conditions of such third party payment processing vendors. FAB LEARNING does NOT directly or indirectly, receive, retain, store or use your credit card information - in fact it never touches the FAB LEARNING servers. Your credit card data constitutes sensible personal information which will be processed by third parties not directly related to FAB LEARNING.
If a payment is not successfully charged, due to credit card expiration, insufficient funds, or otherwise, and you do not edit your payment method information or cancel your account, you shall remain responsible for any uncollected amounts and authorize us to continue billing the payment method, as it may be available and/or updated. For certain payment methods, the issuer of your credit card or other payment method may charge you transaction fees or other charges. FAB LEARNING is not responsible for such fees or charges. Please revise your payment method service provider for details.
Refunds. All payments made to FAB LEARNING are, as a general rule, not refundable. However, FAB LEARNING may provide you a refund or other consideration, with the amount and form - and the decision to provide it - at its sole and absolute discretion. Any effectuated refund does not entitle you to further refunds or other considerations in the future for similar instances, nor does it obligate FAB LEARNING to provide them in the future, under any circumstance.
Cancellation. You may cancel your FAB LEARNING membership at any time. That can be done by going to your account page and cancel your account immediately. If you manually cancel your membership, your account will close immediately - as opposed to at the end of your survey expiry date- and therefore your uncompleted survey will be forfeited.
19. TAXES AND VAT
FAB LEARNING is based in Singapore and is not a GST-registered business at this time. GST is charged at the prevailing rate of 7% by GST-registered businesses. In the name of Simplicity for FAB LEARNING's members/clients and the online user experience, our prices always include GST when applicable. So FAB LEARNING may charge a 7% GST on payments, when it becomes a GST-registered business, and depending on which originating country the member or customer is based on.
20. OWNERSHIP
The Site and its services are operated by Global Family Enterprise Advisors, a private limited company incorporated under the laws of Singapore, with its main office in Singapore. Address: Family and Business Learning, 14 Wilmonar Avenue, Singapore 588044
21. CHANGES TO THE SITE
FAB LEARNING may, in its sole discretion, change, modify, suspend, make improvements to, or discontinue any aspect, functionality, content or service of the Site, temporarily or permanently, at any time without notice to you, and FAB LEARNING will not be liable for doing so.
22. ADDITIONAL TERMS
These Terms contain the entire understanding between you and FAB LEARNING regarding the use of the Site and the services of FAB LEARNING, and supersedes all prior and contemporaneous agreements and understandings between you and FAB LEARNING relating thereto. These Terms will be binding upon each party hereto and its successors and permitted assigns. These Terms and all of your rights and obligations under them may not be assignable or transferable by you without the prior written consent of FAB LEARNING. No failure or delay by a party in exercising any right, power, or privilege under these Terms will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under these Terms. You and FAB LEARNING are independent contractors, and no agency, partnership, joint venture, employee-employer relationship is intended or created by these Terms. The invalidity or unenforceability of any provision of these Terms will not affect the validity or enforceability of any other provision of these Terms, all of which will remain in full force and effect.
23. LEGAL DISPUTES
Any dispute arising from the use of the Site or the interpretation of the terms is governed by the laws of Singapore, and shall be settled by the courts of Singapore. All communications regarding legal matters must be made in writing to: Family and Business Learning, 14 Wilmonar Avenue, Singapore 588044
24. CHANGES TO THE TERMS OF USE
We reserve the right to modify, at any moment, this General Terms of Use. Any change made to the Terms of Use will be notified to you through our Site. Once a new version of the Terms of Use is published, it will automatically be in force. Date of last revision is July 23, 2018.
By accessing or using any part of the Site, you agree that you have read, understand, and agree to be bound by this Terms. If you do not agree to be so bound, do not access or use the Site.
These Terms address your legal rights and obligations and include important disclaimers and choice of law and forum provisions.
1. CHOICE OF LAW AND FORUM PROVISIONS (GOVERNING LAW)
The Site is run by Global Family Enterprise Advisors Pte Ltd, a non-governmental, privately held organization located at 14 Wilmonar Avenue Singapore 588044. You agree that these Terms and your use of the Site and the materials and content produced by FAB LEARNING are governed by the laws of Singapore. You hereby consent to the exclusive jurisdiction and venue of the courts, tribunals, agencies and other dispute resolution organizations in Singapore in all disputes:
- Arising out of, relating to, or concerning the Site, FAB LEARNING, and/or these Terms.
- Where the Site, FAB LEARNING, and/or these Terms is an issue or a material fact.
- Where the Site, FAB LEARNING, and/or these Terms are referenced in a paper filed in a court, tribunal, agency or other dispute resolution organization.
FAB LEARNING has endeavored to comply with all legal requirements known to it in creating and maintaining the Site, but makes no representation that materials and/or content on the Site or produced by FAB LEARNING are appropriate or available for use in any particular jurisdiction. You are responsible for compliance with applicable laws. Any use in contravention of this provision or any provision of these Terms is at your own risk and, if any part of these Terms is invalid or unenforceable under applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall govern such use.
2. LIABILITY
Your use of and browsing of the Site is at your own risk. FAB LEARNING does not warrant that the software used for the Site, and the information, material, and content on it, or any other services and materials provided by means of the Site or by FAB LEARNING are error-free, or that their use will be uninterrupted. FAB LEARNING expressly disclaims all warranties related to the above-mentioned subject matter, including, without limitation, those of accuracy, condition, merchantability and fitness for particular purpose. Notwithstanding anything to the contrary on the Site, in no event shall FAB LEARNING be liable for any loss of profits, revenues, indirect, special, incidental, consequential, or other similar damages arising out of or in connection with the Site or out of the use of any of the services proposed by means of the Site.
FAB LEARNING make no representations or guarantees about any aspect of the content on the Site and does not endorse any opinions expressed by any users. ALL CONTENT IS POSTED "AS IS" AND YOUR USE OR RELIANCE ON ANY CONTENT IS AT YOUR OWN RISK. WE HAVE NO LIABILITY TO YOU FOR THE CONSEQUENCES OF USING OR RELYING ON ANY CONTENT, ADVICE OR OPINION DISPLAYED IN THE SITE.
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, change and alter the Site, the Terms as well as its Data Use 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. LEGAL DISCLAIMER
FAB LEARNING and its authors make no representations as to the accuracy, completeness, currentness, suitability, or validity of any information, material, or content on the Site.
The material and content posted on the site and any content produced by or published through fab learning are provided "as is" without any express warranty or implied warranty of any kind including warranties of merchantability, non-infringement of intellectual property, or fitness for any particular purpose. In no event shall fab learning be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information) arising out of the use of or inability to use the materials, even if fab learning has been advised of the possibility of such damages.
Fab learning, its affiliares and/or payment processing vendors, shall not be liable for any indirect, special, incidental, consequential, or exemplary damages arising from your use of the site.
Because some jurisdictions prohibit the exclusion or limitation of liability for consequential and or incidental damages, the above limitation may not apply to you. Furthermore, FAB LEARNING does not warrant the accuracy or completeness of information of links or other items contained within these materials that have been provided by third parties.
5. PROVISION REGARDING CHANGE IN ATTRIBUTION OF COPYRIGHTED MATERIALS
Please contact us at [email protected] if you, or your organization, wish to correct or change attribution or presentation of any image/material used on the Site, which you, or your organization, are the rightful copyright holder of. We will request that you submit proof of your ownership of the copyright on this material but will act immediately on any reasonable request.
6. NOTICE AND PROCEDURE FOR CLAIMS OF COPYRIGHT INFRINGEMENT
Every effort has been made by the Site's individual contributing authors as well as FAB LEARNING to discover and contact copyright holders of artwork/illustrations/content used on the Site. To the extent that a copyright holder could not be found or an inadvertent permissions or copyright error was made, FAB LEARNING stands ready to remove content upon notice and request by a copyright holder. In the case that you believe that any content or other material provided through the Site allegedly infringes your copyright, you should notify FAB LEARNING of your infringement claim in accordance with the procedure set forth below.
We will process each notice of alleged infringement which FAB LEARNING receives and take appropriate action in accordance with applicable intellectual property laws. A notification of claimed copyright infringement should be emailed to [email protected] (subject: "Takedown Request"). You may also contact us by mail at:
14 Wilmonar Avenue
Singapore 588044
The notification must be in writing and must contain at least the following information:
- An electronic or physical signature of the copyright owner or the person authorized to act on behalf of the owner of the copyright interest.
- A description of the copyrighted work that you allegedly claim has been infringed.
- A description of where the material that you claim is infringing is located on the Site that is reasonably sufficient to enable us to identify and locate the material.
- Means for FAB LEARNING to contact you, such as your address, telephone number, and email address
- A written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
- If you represent a publisher, a written statement by you that you have a good faith belief that the material has not been placed in the public domain, or licenced under another licence, before you acquired the copyright as this would possibly invalidate your copyright.
- A statement by you indicating that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
7. TRADEMARKS AND OTHER RIGHTS
All trademarks, logos, service marks, collective marks, design rights, personality rights or similar rights that are mentioned, used or cited by FAB LEARNING and its authors are the property of their respective owners. The use of any trademark in our materials does not vest in the author or FAB LEARNING any trademark ownership rights in such trademarks, nor does the use of such trademarks imply any affiliation with or endorsement of FAB LEARNING and its authors by such owners. As such, FAB LEARNING cannot grant any rights to use any otherwise protected materials. Your use of any such or similar incorporeal property is at your own risk. Content which in FAB LEARNING's reasonable opinion are believed to constitute trademarks may or may not have been labeled as such. However, neither the presence nor absence of such labels should be regarded as affecting the legal status of any trademarks.
8. SCREENSHOTS
Screenshots of copyrighted computer software, for which the copyright is held by the author(s) or the company that created the software, is believed to fall under the legal doctrine known as “Fair Use” in the USA (and similar laws in other jurisdictions). It is believed that reproduction for purposes such as criticism, comment, news reporting, teaching, or research does not constitute copyright infringement. If you reuse screenshots, as well as any other information provided by FAB LEARNING, you do so at your own risk and under the applicable copyright laws of your country.
9. COPYRIGHT OF ABSTRACTS
Abstracts in the Wiki Bibliography (/literature/) are submitted by their authors who use the wiki to make their research as accessible as possible to FAB LEARNING's user community. When a webpage on the Site references, cites or lists a work from the bibliography, its abstract is included. Abstracts entail varying copyrights, depending on which publisher the work is published through. You should assume that abstracts in the Site fall under the copyright - with all rights reserved - of its publisher and/or author and therefore must always use/cite abstracts according to the Fair Use doctrine. You may visit the publisher's website to learn about the specific copyright terms or contact the author directly. You must cite/use abstracts according to the principles of Fair Use as it may otherwise be construed as a copyright infringement and subject to legal action.
10. USER SUBMISSIONS / USER CONTENT
You hereby understand and acknowledge that additions to the Wiki Bibliography (including article abstracts), additions the Conference Calendar (including conference descriptions), user-contributed notes on each page (including text, photographs, graphics), or other materials posted by users on the Site (hereinafter referred to as the "Content") are the sole responsibility of the person from whom such Content originated. This means that you, and not FAB LEARNING, are entirely responsible for all Content that you upload, post or otherwise make available to other users of the Site.
When submitting content to the Site, you agree to not:
- Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Upload, post or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
- Upload, post or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (the "Rights") of any party.
- Upload, post or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable.
- Immediately notify FAB LEARNING if you learn of a security breach or other illegal activity on the Site.
- Protect your username and password and not lease, transfer pledge or sell it.
- Not post content that contains explicit or graphic descriptions or accounts of sexual acts or is threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, or tortuous.
- Not engage in an activity that is harmful to us FAB LEARNING's users, customers, advertisers, affiliates, vendors, or anyone else.
- Not use any device, software, platform or any other process to damage, disable, impair, or otherwise attack our Site or the networks connected to our Site.
You acknowledge that FAB LEARNING shall have the right to immediately remove any Content that violates these Terms or is otherwise objectionable, at FAB LEARNING's discretion.
You are responsible for obtaining, at your own expense, all equipment and services needed to access the Site. If you are accessing the Site through a mobile device, your wireless carrier may charge you fees for data, text messaging, and other wireless access or communications services. We do not guarantee that the Site can be accessed through all wireless devices or service plans or are available in all geographical locations.
11. THIRD PARTY WEBSITES
If FAB LEARNING provides links or pointers to other websites, no inference or assumption should be made that FAB LEARNING operates, controls, or is otherwise connected with these websites. When you click on a link within the Site, we will not warn you that you have left a Site and are subject to the terms and conditions (including privacy policies) of the destination website. In some cases it may be less obvious than others that you have left a Site and reached another website. Please be careful to read the terms of use and privacy policy of any website before you provide any confidential information or engage in any transactions. You should not rely on these Terms for another website.
FAB LEARNING is not responsible for the content or practices of any other website. By using the Site, you acknowledge and agree that FAB LEARNING is not responsible or liable to you for any content or other materials hosted and served from any third party website.
12. EMAIL COMMUNICATION: CONFIDENTIAL AND PROPRIETARY INFORMATION NOTICE
Email messages sent from members of FAB LEARNING, including emails generated from the use of the Site website, are proprietary to FAB LEARNING, and are intended solely for the use of the individual to whom they are addressed. Such messages may contain privileged or confidential information and should not be circulated or used for any purpose other than for what they are intended. If you receive a message from a member of FAB LEARNING in error, please notify the sender immediately. If you are not the intended recipient, you are hereby notified that you are strictly prohibited from using, copying, altering, or disclosing the contents of the message. FAB LEARNING accepts no responsibility for loss or damage arising from the use of the information transmitted by email message including damage from virus.
You may not use or allow others to use your username and FAB LEARNING email address to e-mail, instant message, voice mail, fax, chat, send spam (e-mail) and spim (instant messages), or send any other unsolicited bulk communication to users of the Site or anyone else. You may not access the Site to harvest or collect any information about our users for any purpose without our express written authorization. You may not create multiple usernames for sending unsolicited bulk communications or posting advertising or other notice on the Site. Any violation of these provisions may result in immediate suspension or termination of your membership.
13. USAGE CONDITIONS
Please make sure that you understand that some or all of the information provided by FAB LEARNING is being provided freely, and that no kind of agreement or contract is created between you and the owners, partners, users, or authors of this site, the owners of the servers upon which it is housed, the individual contributors of the FAB LEARNING, any project administrators, sysops or anyone else who is in any way connected with this project. If you choose to use or copy anything from this site it does not create or imply any contractual or extra-contractual liability on the part of FAB LEARNING or any of its members, partners, sponsors, affiliates, contributors or other users. Your use of any such or similar incorporeal property is at your own risk.
If a court of law finds that any provision of these Terms is invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.
14. MEMBERSHIP
FAB LEARNING currently offers membership to users. Such options are available when a user registers into the Site. Users cannot sell, transfer, lease or otherwise allow unauthorized third parties to use access/use their account.
Your FAB LEARNING membership will begin on the day you finish your log-in process until you request to cancel your membership or we terminate it according to these Terms.
Any materially different or additional terms from those described in these Terms will be disclosed when you create your account and sign-up into your membership or in other communications made available to you, including e-mail. FAB LEARNING hereby reserves the right to modify, terminate or otherwise amend its membership plans.
15. TERMINATION
FAB LEARNING will have the right to terminate your access to the Site if it reasonably believes you have breached any of the terms and conditions of these Terms. Following termination, you will not be permitted to use the Site. If your access to the Site is terminated, FAB LEARNING reserves the right to exercise whatever means it deems necessary to prevent unauthorized access to the Site, including, but not limited to, technological barriers, IP mapping, and direct contact with your Internet Service Provider. These Terms will survive indefinitely unless and until FAB LEARNING chooses to terminate them, regardless of whether any account you open is terminated by you or FAB LEARNING or if you have the right to access or use the Site.
16. FORCE MAJEURE, WEBSITE DOWNTIME, AND SERVICE OUTAGES
FAB LEARNING will not be liable for failing to perform under these Terms because of any event beyond its reasonable control, including, without limitation, a labor disturbance, an Internet outage or interruption of service, a communications outage, failure by a service provider to FAB LEARNING to perform, fire, terrorism, natural disaster, or war.
17. LIMITATION OF ACTIONS
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, relating to, or connected with your use of the Site, must be filed within one calendar year after such claim or cause of action arises, or forever be barred.
18. BILLING, PAYMENTS, REFUNDS, CANCELLATION
Billing. By starting your FAB LEARNING membership and providing your payment method (e.g. Credit Card, PayPal account, or other payment methods introduced in the future), you hereby authorize FAB LEARNING to charge and process a fee depending on the product terms at the then-indicated current rate, and any other charges you may incur in connection with your use of FAB LEARNING's services.
FAB LEARNING hereby reserves the right to adjust pricing for its services or any components thereof in any manner and at any time, as determined in FAB LEARNING's sole and final decision. Except as otherwise expressly provided for in these Terms, any price changes will enter into force following e-mail notice to you.
Payments. Online payments for services offered through the Site are currently done by our Paypal, Stripe, collectively referred to as “Payment Gateways”. All Payment Gateways are external, third party payment processing vendors and their payment services and other services are subject to their respective Terms and Conditions. FAB LEARNING hereby reserves the right to offer further Payment Gateways, which will be governed and subject to the respective terms and conditions of such third party payment processing vendors. FAB LEARNING does NOT directly or indirectly, receive, retain, store or use your credit card information - in fact it never touches the FAB LEARNING servers. Your credit card data constitutes sensible personal information which will be processed by third parties not directly related to FAB LEARNING.
If a payment is not successfully charged, due to credit card expiration, insufficient funds, or otherwise, and you do not edit your payment method information or cancel your account, you shall remain responsible for any uncollected amounts and authorize us to continue billing the payment method, as it may be available and/or updated. For certain payment methods, the issuer of your credit card or other payment method may charge you transaction fees or other charges. FAB LEARNING is not responsible for such fees or charges. Please revise your payment method service provider for details.
Refunds. All payments made to FAB LEARNING are, as a general rule, not refundable. However, FAB LEARNING may provide you a refund or other consideration, with the amount and form - and the decision to provide it - at its sole and absolute discretion. Any effectuated refund does not entitle you to further refunds or other considerations in the future for similar instances, nor does it obligate FAB LEARNING to provide them in the future, under any circumstance.
Cancellation. You may cancel your FAB LEARNING membership at any time. That can be done by going to your account page and cancel your account immediately. If you manually cancel your membership, your account will close immediately - as opposed to at the end of your survey expiry date- and therefore your uncompleted survey will be forfeited.
19. TAXES AND VAT
FAB LEARNING is based in Singapore and is not a GST-registered business at this time. GST is charged at the prevailing rate of 7% by GST-registered businesses. In the name of Simplicity for FAB LEARNING's members/clients and the online user experience, our prices always include GST when applicable. So FAB LEARNING may charge a 7% GST on payments, when it becomes a GST-registered business, and depending on which originating country the member or customer is based on.
20. OWNERSHIP
The Site and its services are operated by Global Family Enterprise Advisors, a private limited company incorporated under the laws of Singapore, with its main office in Singapore. Address: Family and Business Learning, 14 Wilmonar Avenue, Singapore 588044
21. CHANGES TO THE SITE
FAB LEARNING may, in its sole discretion, change, modify, suspend, make improvements to, or discontinue any aspect, functionality, content or service of the Site, temporarily or permanently, at any time without notice to you, and FAB LEARNING will not be liable for doing so.
22. ADDITIONAL TERMS
These Terms contain the entire understanding between you and FAB LEARNING regarding the use of the Site and the services of FAB LEARNING, and supersedes all prior and contemporaneous agreements and understandings between you and FAB LEARNING relating thereto. These Terms will be binding upon each party hereto and its successors and permitted assigns. These Terms and all of your rights and obligations under them may not be assignable or transferable by you without the prior written consent of FAB LEARNING. No failure or delay by a party in exercising any right, power, or privilege under these Terms will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under these Terms. You and FAB LEARNING are independent contractors, and no agency, partnership, joint venture, employee-employer relationship is intended or created by these Terms. The invalidity or unenforceability of any provision of these Terms will not affect the validity or enforceability of any other provision of these Terms, all of which will remain in full force and effect.
23. LEGAL DISPUTES
Any dispute arising from the use of the Site or the interpretation of the terms is governed by the laws of Singapore, and shall be settled by the courts of Singapore. All communications regarding legal matters must be made in writing to: Family and Business Learning, 14 Wilmonar Avenue, Singapore 588044
24. CHANGES TO THE TERMS OF USE
We reserve the right to modify, at any moment, this General Terms of Use. Any change made to the Terms of Use will be notified to you through our Site. Once a new version of the Terms of Use is published, it will automatically be in force. Date of last revision is July 23, 2018.