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养老产业迎来黄金投资期

2021年07月26日

报道:李治宏

所谓危机不乏商机,
当前的疫情危机固然令百业衰退,
各行业要复苏也不是一两年的事,
但这也为投资者带来趁低吸购的良机。

一些投资者和发展商视目前是趁机扩大地库或产业投资组合的好时机,一些业主、地主和发展商则趁机变卖手中未发展或空置的地库套现,取得现金流之余,也有助于减轻负债。

那么,对准备进场吸购的发展商或投资者而言,哪类产业是最吸引他们的资产呢?

跨国产业顾问公司莱坊指出,除了疫情期间红火的物流和医疗领域,投资前景最受看好的领域是养老/退休产业。

紧随其后的是服务式套房/酒店套房,以及数据中心。反观疫情爆发前蔚然成风的共享生活空间(Co-living)/学生宿舍及共享工作空间(Co-Working)则退热,在2021至2023年受看好的替代投资排行榜上分别位居第四和第五位。

大马莱坊最近发布的2021年商用产业投资情绪调查(CREISS 2021)显示,受访的发展商、银行和基金/产业信托基金经理当中,22%把养老/退休产业列为他们的替代投资首选。

把服务式套房/酒店套房及数据中心列为首选者各占19%,首选共享生活空间/学生宿舍及共享工作空间者则分别为13%及12%。

这份调查的受访者逾半(59%)是发展商,27%是银行,其余14%为基金/产业信托基金经理。

其中,约44%受访者来自巴生谷,24%来自沙巴及20%来自柔佛州,槟州只占7%,其余2%来自其他各州。

巴生谷约三分一(35%)受访者、柔佛和沙巴各22%受访者,以及槟州14%受访者表明,他们正探讨收购或脱售土地或商用产业。

2056年将占人口20%
开发银发族市场良机

另一方面,随着我国人口逐渐老化,养老或退休房屋成为CREISS 2021调查最受欢迎的替代投资选择。

大马统计局的数据显示,截至2020年,我国约3273万人口当中,约7.15%是65岁及以上的乐龄人士;而根据现有的增长轨迹,我国老年人口将分别于2044及2056年达到14%及20%。

全球第七佳退休地

此外,随着国人日益富裕,以及医疗服务的改善,目前看来正是迎合银发市场的良机。

莱坊指出,去年被暂时搁置的马来西亚我的第二家园计划(MM2H)过去大受欢迎,也确认了大马作为退休理想地点的吸引力。

根据2020年全球退休指数,大马是全球最佳退休地点排名第七的国家。

服务式套房/酒店套房及数据中心,是另2个最受看好的产业投资目标。

疫情冲击共享空间

大马正朝向数字经济的目标转型,以及远程作业日益普及化,令市场对数据和云端服务需求大增,数据中心因而成为炙手可热的产业类别,吸引了许多商用产业投资者涉足。

反之,自冠病疫情爆发后,人们最关注健康和卫生,加上远程作业大行其道,令共享工作空间及共享生活空间/学生宿舍的投资吸引力已减退。

各次领域简评:

工业产业/物流产业

●银行打从去年疫情爆发后即表明愿为这些领域提供更多的融资,原因很简单:网购和电子商务大行其道。

●49%受访者预期物流领域的租金将走高,另有66%受访者预期工业产业的租金保持平稳。(参阅图三上方)

●57%受访者预期工业空间需求保持平稳,28%则预期租用率将提升。电子商务好景将继续推动物流产业的需求,61%受访者预期物流空间使用率提高(参阅图三下方)

●58%受访者预期,物流产业的资本价值将提高;至于工业产业,67%受访者预期资本价值保持平稳。(参阅图四)

●约66%受访者预期工业产业的回酬率保持去年水平。(参阅图五)

零售产业 

●大部分发展商和放贷者(银行)都涉足零售产业及酒店/休闲产业领域。随着这些领域依然深受疫情重创,投资和融资额都会减少。

●逾70%受访者预期零售产业的租金将下跌。(参阅图三上方)

●在当前艰辛营运环境下,零售商场的租用率也继续面对下行压力,67%受访者预见商场的空置率将扬升。(参阅图三下方)

●约半数受访者预期零售产业资本价值保持平稳。(参阅图四)

●约半数受访者预期,零售产业的回酬率下跌,但有8至10%受访者预期回酬率上扬。(参阅图五)

办公产业

●逾70%受访者预期办公空间租金下跌。(参阅图三上方)

●72%受访者预期办公空间租用率下滑。(参阅图三下方)

●约半数受访者预期办公产业资本价值保持平稳。(参阅图四)

●约半数受访者预期,办公产业的回酬率下跌,但有8至10%受访者预期回酬率上扬。(参阅图五)

酒店/休闲产业

●87%受访者预期,酒店/休闲产业领域的客房平均收费率下行。(参阅图三上方)

●83%受访者预期,在旅游业预计2023年之前都无法恢复往常水平下,酒店/休闲产业今明两年的平均租用率将下滑。(参阅图三下方)

●78%受访者预期,酒店/休闲产业资本价值下跌。(参阅图四)

●78%受访者预期,酒店/休闲产业的回酬率下跌。(参阅图五)

产业次领域料明年复苏
酒店休闲前景最黯淡

除了酒店/休闲产业、办公及零售产业,所有产业次领域有望于明年复苏。

52%受访者预期,整体商用产业市场将在2023年才有望复苏;另46%受访者则较为乐观,预期明年即可复苏。

发展商显然比基金经理/产托经理和银行乐观。42%的受访发展商预计市场明年复苏,而预期明年复苏的基金/产托经理和银行则分别为37%及35%。

另有28%发展商、25%基金/产托经理和25%受访的银行,则预见市场将在2023年才复苏。

管控令助长电商市场

逾60%受访者预期物流和医疗相关领域将在今年下半年继续表现出色。冠病确诊病例持续攀升及各类行动管控,导致供应链继续受到干扰,这反而助长了网购和电子商务市场的增长,以及医疗设施的需求。

零售产业是另一个短期内继续看淡的次领域。只有45%受访者预期该领域明年有望复苏,另46%受访者则预计后年才复苏。

办公产业前景更为黯淡,多达约61%受访者预期该领域最快于2023年甚至过后才能复苏。供需失衡日益严重(尤其是巴生谷)是一大关键,而居家作业及工作形式的改变是另一导因。

酒店/休闲产业是前景最黯淡无光的领域。多达约62%受访者预期,该领域最快2023年甚至过后才有望复苏,因为在2023年之前,旅游业无望回到疫前水平。

2021年商用产业投资的因素:

利好因素
●隔夜政策利率维持在1.75%的历来新低
●政府推出更多的刺激经济配套

不利因素
●第三波冠病疫情恶化
●隆新高铁计划被腰斩
●经济现状/政府政策欠佳
●回酬率欠佳
●疫苗接种进度慢

发展商、银行和基金经理的2022年财政预算案愿望清单:
1. 调降个人所得税和公司税税率/提供税务奖掖
2. 推出更多的刺激经济配套
3. 重启隆新高铁计划
4. 加速疫苗接种
5. 额外奖掖以吸引外来直接投资
6. 恢复马来西亚我的第二家园计划
7. 进一步延长拥屋计划(HOC)
8. 削减或豁免产业盈利税(RPGT)

结语:3关键提振交投情绪

展望未来,政局稳定、疫苗接种加速及各项大型基建项目的进展,将是提振投资者信心和商用产业市场交投情绪的3大关键。

有关项目包括巴生谷的捷运第三路线(MRT3)、槟州交通大蓝图、柔佛的柔新捷运系统(RTS)、沙巴的泛婆罗洲大道,以及横跨大马半岛东西两岸的东海岸铁路(ECRL)。

当然,市场也期望,政府将在2022年财政预算案中宣布调降税率、祭出额外的刺激经济配套、重启隆新高铁项目、恢复我的马来西亚第二家园计划(MM2H)、进一步延长拥屋计划(HOC)及削减甚至豁免产业盈利税(RPGT)。

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    The following terms and conditions apply to your access and the use of this Web Site and the Services provided herein by Nanyang Siang Pau Sdn Bhd. (hereinafter referred to as “eNanyang.my” and “property.eNanyang.my”). By accessing any page of this Web Site and/or using the services, you agree to be bound by these terms and conditions without limitation or qualification. If you do not accept these terms and conditions, please immediately discontinue access to this Web Site and/or use of the services.

    The information, products and services described or offered on this web site are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject eNanyang.my or its subsidiaries or affiliates to any registration requirements within such jurisdiction or country. The materials, information (including opinions, commentary and recommendations) and functions provided in this web site shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

    Although this site may contain or provide access or links to information, opinions or recommendations on products and services of property.eNanyang.my or other parties, does not represent that such products or services, opinions or recommendation are suitable for you. All transactions are done at your sole risk and responsibility and in reliance only upon your own judgment and you will make your own independent evaluation of the suitability of the recommendations, products and services obtained, offered or accessed through this web site. Further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information. This site shall have no responsibility or liability to you in respect of any opinions or recommendations expressed by it or any other parties on this site. None of this information, opinions or recommendations contained in this site constitutes solicitations or offers by property.eNanyang.my to sell/buy any products or services, provide any investments or financial advice or an invitation to enter into any legally binding contract or arrangement with you. Your eligibility for any particular products or services is subject to the final determination and acceptance by the Companies.

    Users alone are responsible for the contents of the message they communicate when using property.eNanyang.my services and as well as the consequences of any such messages. You agree that you will not use property.eNanyang.my services for chain letters, junk mail, “spamming” or commercial solicitations. You further agree not to use property.eNanyang.my or its Partner’s services to send any message or material that is unlawful, gives rise to civil liability. All chat and bulletin board communications are public and not private communications. Although property.eNanyang.my reserves the right to remove without notice any bulletin board posting for any reason or no reason, property.eNanyang.my do not have any obligation to delete content that you may find objectionable or offensive.

    Unless otherwise indicated, Malaysian copyright law and international treaties protect all editorial content, graphics, video and soundbites on this site. No part or parts hereof may be reproduced, reused, distributed, adapted, modified, republished, displayed, broadcast, framed, copied or transmitted in any manner or by any means or stored in an information retrieval system without the express permission of property.eNanyang.my who reserve all rights. You also may not without our express prior written content, insert a link to this web site on any other web site, frame or “mirror” any material contained on this web site on any other server. Permission to use Nanyang Siang Pau Sdn Bhd (eNanyang.my and property.eNanyang.my) proprietary content is only granted on a case-by-case basis. Please direct your enquiries to prop@eNanyang.my. The material from this web site is only available for off line informational and non-commercial uses. For such use the content and/or graphics must not be modified in any way. All copyright and other notices on any copy are retained. You may not copy or adapt the HTML code that property.eNanyang.my create to display pages. This also is covered by Nanyang Siang Pau Sdn Bhd copyright. The “look” and “feel” of this web site and its subsites also are trademarks of eNanyang.my. This includes the site colour scheme, button shapes, layout, and all other graphical elements. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of property.eNanyang.my web site may be in breach of statutory or common law rights which could be the subject of legal action. property.eNanyang.my disclaims all liability which may arise from any unauthorised reproduction or use of this web site.

    All trademarks, service marks and logos displayed in this web site are the property of property.eNanyang.my and/or their respective third-party proprietors as identified in the web site. Unless the prior written consent of property.eNanyang.my or the relevant third-party proprietor of any trademarks, service marks or logos appearing on the web site has been obtained, no license or right is granted to any party accessing this web site to use, download, reproduce, copy or modify such trademarks, service marks or logos. Similarly, unless the prior written consent of property.eNanyang.my or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the property.eNanyang.my web site or any other site. Just as property.eNanyang.my requires users to respect our copyrights, and those of our affiliates and partners, we respect the copyrights of others. If you believe in good faith that your copyrighted work has been reproduced on our site without authorisation in a way that constitutes copyright infringement, you may notify our designated copyright agent either by mail to Nanyang Siang Pau Sdn Bhd, No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor, Malaysia or by email to prop@eNanyang.my.

    This site is available “as is” and “as available” basis. We do not warrant that this service will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this web site. We are not responsible for the availability or content of other services that may be linked to this web site. We do not make any warranties, express or implied, including without limitation, those of merchant quality and fitness for a particular purpose, with respect to this web site or any information or services that are available or advertised or sold through this web site. We do not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this web site or available through links in this web site. We reserve the right to correct any errors or omissions in this web site. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “Trojan horses” or other destructive materials to this web site, we do not guarantee or warrant that the materials that may be downloaded from this web site do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on this information and any materials available through this web site, you do so solely at your own risk. Without derogation of the above and/or terms and conditions of the applicable agreements governing all the information and services of the web site, reasonable measures shall be taken by property.eNanyang.my to ensure the accuracy and validity of all information relating to transactions of products and services of related web site.

    property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

    Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

    You will on demand indemnify and keep indemnified property.eNanyang.my from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by property.eNanyang.my in connection with or arising from (1) your use or misuse of this web site and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against property.eNanyang.my in connection with your use of this web site.


    property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

    The failure of property.eNanyang.my to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. All rights not expressly granted herein are reserved.

    These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this web site and/or using the services provided herein by property.eNanyang.my, you hereby agree to submit to the non-exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this web site.

    私隐政策声明

      You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

      In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

      • Name;
      • Address;
      • Phone Number;
      • Fax Number;
      • Date of Birth;
      • Email Address;
      • Gender;
      • Bank Information;
      • Identity Card Number; or
      • Credit Card Information

      Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

      • to process your application and/or request for our products and/or services;
      • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
      • to provide you with the products and/or services you have requested or subscribed;
      • to understand and analyse our sales, your needs and preferences;
      • to develop, enhance, market and provide products and services to meet your needs;
      • to conduct marketing activities;
      • to direct market to you;
      • to determine how we can improve our services to you;
      • to process exchanges or product returns;
      • to process payments to you;
      • to enable you to participate in promotions and contests;
      • to investigate and resolve any service issues;
      • to keep in contact with you and better manage any business relationship we have with you;
      • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
      • for debt collection purposes;
      • to respond to requests or complaints;
      • for future business opportunities and transactions;
      • for audit, compliance and risk management purposes;
      • to meet legal and regulatory requirements; or
      • for all other purposes incidental and associated with any of the above;
      collectively known as the “Purposes”.<

      Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

      1. law enforcement agencies;
      2. government agencies;
      3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
      4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
      5. our business associates in or outside Malaysia;
      6. to share the information with trusted business partners for the provision of their services
      7. any parties to whom you have given us your express or implied consent to disclose; or
      8. to such other parties as may be permitted under the laws of Malaysia.

      You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

      Designation: Data Privacy Officer
      Telephone: 03-7872 6921
      Fax: 03-7872 6994
      Email: pdpa@nanyang.com.my
      Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

      We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

      This notice was updated: 5th February 2014

      © 南洋商报有限公司版权所有 | Copyright Nanyang Siang Pau Sdn. Bhd.(6164-V)

      电邮:prop@eNanyang.my

      地址: No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia

      电话: +603-7872 6888

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        property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

        Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

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        property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

        The failure of property.eNanyang.my to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. All rights not expressly granted herein are reserved.

        These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this web site and/or using the services provided herein by property.eNanyang.my, you hereby agree to submit to the non-exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this web site.

        私隐政策声明

          You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

          In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

          • Name;
          • Address;
          • Phone Number;
          • Fax Number;
          • Date of Birth;
          • Email Address;
          • Gender;
          • Bank Information;
          • Identity Card Number; or
          • Credit Card Information

          Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

          • to process your application and/or request for our products and/or services;
          • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
          • to provide you with the products and/or services you have requested or subscribed;
          • to understand and analyse our sales, your needs and preferences;
          • to develop, enhance, market and provide products and services to meet your needs;
          • to conduct marketing activities;
          • to direct market to you;
          • to determine how we can improve our services to you;
          • to process exchanges or product returns;
          • to process payments to you;
          • to enable you to participate in promotions and contests;
          • to investigate and resolve any service issues;
          • to keep in contact with you and better manage any business relationship we have with you;
          • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
          • for debt collection purposes;
          • to respond to requests or complaints;
          • for future business opportunities and transactions;
          • for audit, compliance and risk management purposes;
          • to meet legal and regulatory requirements; or
          • for all other purposes incidental and associated with any of the above;
          collectively known as the “Purposes”.<

          Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

          1. law enforcement agencies;
          2. government agencies;
          3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
          4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
          5. our business associates in or outside Malaysia;
          6. to share the information with trusted business partners for the provision of their services
          7. any parties to whom you have given us your express or implied consent to disclose; or
          8. to such other parties as may be permitted under the laws of Malaysia.

          You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

          Designation: Data Privacy Officer
          Telephone: 03-7872 6921
          Fax: 03-7872 6994
          Email: pdpa@nanyang.com.my
          Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

          We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

          This notice was updated: 5th February 2014

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