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不利因素挫三分一发展商收盘

2021年04月25日

解构被诅咒的房市梦魇(下篇)
独家报道:黎添华

从“买卖房屋不能收取订金”、“综合项目管理费划一”、“房屋管制处无权延长交屋期”这些标杆性判决,到 “限制法从6年期限延长至15年”的法令修改,无不被指将限制了发展商的工程进展,或影响销售作业流程, 甚至重挫整个领域。

业界就流传这样的说法,指若有关现象再不获得当局正视,我国至少有三分之一发展商将在压力下纷纷结束营业。

不过,当我们以为接二连三的震撼弹,看起来针对的只是发展商及房产中介时,殊不知他们不是唯一的输家,因为一场场的房市“诅咒”中,“殉葬”的还有包括你我在内的更多人。

符绩理

4种预见情况

1.赶工品质真的能保障?

随着法庭宣判房屋管制处没有权利延长发展商的交房期限后,换言之,早前获得该部门批准延长交屋期的项目首当其冲。

东盟建筑商联合会主席符绩理就表示,随着楼层越建越高、设计越来越新颖,加上材料高涨、政府献金、工人不足、以及地势险峻的关系,因此一些承包商已很难如期完工,若无法拉长建筑时间则让承包商更具挑战。

其中,不排除一些不负责任的承包商为了赶工而聘请不专业的外劳,例如才抵达我国不久便开工的菜鸟,或为了降低成本而偷工减料。

拟策一劳永逸解决

显然的,这是一个恶性循环的问题,因为一旦时间不足,随之而来的便是“滞纳金”,但,赶工出来的房屋会否有缺陷等也备受关注。

他表示,逾期交屋确实对购屋者不公平,发展商也理应赔偿,但一些工程在尚未逾期前提出延长交屋期或许值得商榷,尤其是那些早前就已获得房屋管制处批准延长时间的项目。

他强调,自己不是为承包商找借口,但却希望当局能看到目前的实际状况,以及了解业界遇到的局限,然后在这环环相扣的关系中,找出一劳永逸的解决方案。

2.影响市场运作

根据业界保守估计,目前全国因这项政策而受影响的项目多达500多个,而记者抽样访问的发展商就表示,随着多项法令限制了他们的发展,多项政策也降低了他们的利润,因此不少发展商都坦言过去5年越做越辛苦,甚至想转战其他领域。

理科大学经济系教授连惠慧博士就指出,尽管房产界受冲击不会重挫整体经济,但确实会对不少行业带来影响。

也是国内少数拥有“前沿教授”称号的她分析,建筑业对我国国内生产总值的贡献不到10%,然而却能推动下游工业以及其他连带的服务领域,如会计、律师等。

较早前,符绩理就表示,一旦屋业发展受阻,那么自然将影响到承包领域,以及下游的140多个相关行业。

高炳江

3.随意起诉恐蔚然成风

另一个让业界担心的隐忧是,诸多的标杆性判决会不会引发民众矫枉过正,掀起随意诉讼风气。

世界不动产联盟(FIABCI)马来西亚分会会长拿督高炳江表示,法庭捍卫真相、法律保障受害者是无可厚非的,而任何人也都有权提出法律诉讼,然而这也可能会为部分没有职业道德的律师提供机会,去刻意煽动购屋者提出诉讼,以从中捞一笔。

据了解,美国就经常出现动辙付诸法律诉讼,而一些律师甚至会主动献议,并提出免收费打官司,胜诉后才收钱来怂恿购屋者打官司。这不仅带动了不良风气,同时也对认真做事的发展商带来不必要的压力。

以限制法为例,如今隐藏式缺陷的起诉年份从过去的6年增加至15年,但是据本报向马来西亚建筑公会了解,由于一般的隐藏式缺陷在3至5年内便会显现,因此延长年份后会否让人滥用有待关注。

其实,对高炳江而言,不负责任的发展商被对付是可以理解的,只是最令他担心的莫过于随意起诉的风气会否对有志在房产界大展拳脚的年轻人纷纷打退堂鼓。

工程师责任大

在业界超过30年的高炳江指出,工程师以及其他相关的专业人士需要承担的责任很大,而任何的诉讼也都会对他们造成极大的精神压力,因此近年来越来越少人选择这一行。

“工程师及相关专业人士的薪水其实并没有很高,打滚10年薪水可能才6000令吉左右,但是在银行工作却能高过这个价码。他们压力又那么大,真的令人不敢干这行。”

他担心,随意起诉若蔚为风气,那么对业界来说无疑是一种不健康的现象,工程师等相关专业人士锐减的话,对我国整体房产界的发展也不是件好事。

4.屋价不稳定

本报也从一不愿具名的发展商处了解,其实若要发展商在工人少、材料贵,以及短促时间内赶工的话,很可能出现两种情况,即1)担心出现偷工减料,或2)成本提高,最终转嫁予购屋者,导致房屋价格攀升,得不偿失。

“这是很自然的,一些发展商可能会因为在限制法下,未来15年得承担一定的风险,所以成本自然会转嫁予购屋者,屋价高企是可能的。”

再来,以滞纳金为例,若发展商最终需要给予的赔偿远远超出他们的预算,这将令发展商推迟下来的新项目、或取消新计划,最终让市场发展受阻。

“这不是威胁,但这是可以预见的情况。”

许文思

许文思:抵触业界运作
过时法令应修改

资深律师许文思指出,政府绝对不会贸然推出新法案,其中任何法律的制订、修订,都有其前因后果,如当时的一些社会背景或当年发生的一些案件,让政府推出这样的法案,因此不能说法令制订得毫无根据。

“房屋法令在1966年推出,正是因为当年很多发展商欺骗了购屋者。”

惟,拥有多年处理房屋诉讼案件的他认为,确实一些法令可能因为过时了,也跟不上局势的发展,因此出现与业界运作出现抵触的窘境,而这些尴尬确实需要通过修改法令来解决。

询及已经下判的标杆性案件是否能够重审翻案,他则表示上诉意义不大,理由不足,最恰当也最实际的做法始终是让政府去修改法令。

“法庭这个机构是相对‘保守’的,朝令夕改不是它的本质,因为这才能让民众对司法有信心,而且法官是依据法律审判的,而不是制订法令,换言之最关键的根本还是在法律。”

不过,他提醒,房屋法令是社会福利法令,一切还是会以保障民众为前提。

谢淑芬

谢淑芬:符合社会环境
法律随文化需求修改

资深律师谢淑芬有不同看法,她不认为现有的法令不符合现况,惟,法律是会随着地方文化、社会需求等因素不断更改。

“比如有些国家已经接受同婚,这是旧社会中不可能有的法律保障。”

她表示每个法案的拟定或修改必然是符合当时的社会环境,更是为了满足时代的需求,如,解决当时出现的某种问题,因此不一定就意味着这些法案有问题。

法律保障买家权益

她说,法律的首要宗旨是维持社会秩序,保障弱者权益是维持社会秩序的其中之一要素,买卖房屋这件事,发展商跟买家之间本来就实力悬殊,因此需要法律介入保持平衡的权利,以便保障买家的权益。

较早前,她在与本报会面时就举例,严禁收取订金就是因为当时很多不负责任的发展商在收取订金后卷款走人,因此才有法令严禁订金。更重要的一点是,由于我国并不像其他国家那样采取先建后售的政策,因此才导致发展商及中介需要以订金来保障自己的销售额,同时确保工程有继续下去的可能。

以订金一事为例,她认为发展商的权益并不会在没有预先收订金下受损,因为都是谁先签约就卖给谁。再来,房屋发展法令第11(2)条列本来就列明发展商不允许在还没与买家签约前不允许以任何名义收钱(订金),反之在签约时发展商就可以依法依据合约收取10%的。

结语:

新法令潜力发酵
全民恐付出代价

社会的运作盘根错杂,谁都是彼此的命运共同体,明乎此,多宗标杆性判决以及因新法令而发酵在即的案件,看似协助了购屋者,但更多的后续隐忧却也开始潜伏,而其影响的绝对也不会只是发展商与中介,反之金融业、服务业等各行各业,乃至民众本身都会受到程度不一的冲击。

如果说,法律的存在旨在解决当时的某种社会问题,那么我国的房屋法律是否真的解决了各界的问题?还是它在协助解决购屋者的问题之际,也协助了房产界的发展? 尤其,若干年后这些法令是否还符合时代趋势,及现今的社会发展,这值得政府,尤其是房务部正视。

此外,我们的房屋相关法令是否在一昧关照民众之余,却忽视了房产界的发展?我们在制订法律之前,是否又曾与业界全面且有效地沟通?

若法令的制订建立在某一方坐在冷气房里头的一厢情愿中,那么不久后有关法令很可能又得因为不符合现实运作情况,而面对朝令夕改的尴尬。这样的局面只会让房产界沦落得宛如一个被诅咒的领域,届时恐怕不仅房产界受到重挫,全民也将付出代价。这,绝对不会是大家想看见的,只是我们可能还未意识到。

愿一切来得及纠正,一切从这专题出发,从我们追求理性双赢与长远发展的角度开始。

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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.

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    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.


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    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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        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.

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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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