Categories推荐 问诊室

数单位拍卖 会欠许多管理费?

2022年08月5日

拍卖专家:谢廉义
AuctionGuru.com.my创办人兼执行董事

 

 

问:

谢先生,您好!

同一个公寓project,有好多个单位拍卖,很多还是未定日期的。

我很好奇,日期未定的话,那些房产经纪从那裡掌握到这些资料?

单位被拍卖,相信业主都不会再付管理费,如果同一栋有很多单位被拍卖,未来共管不就很可能出问题?

Saam Lee


答:

Saam Lee,您好!

所有被金融机构安排拍卖的房地产业都会刊登在各大报章。您可以在中文,英文或马来文报章上找到有关的产业拍卖通告,或者联络拍卖师获取房地产业拍卖的讯息。

您也可以到我们专为所有对拍卖房地产业有兴趣的投资者或拍卖产业销售代理员所设置的拍卖资讯互联网www.auctionguru.com.my,找到全马来西亚拍卖市场里最新的拍卖产业资讯。

在决定是否购买金融机构拍卖产业时,最重要的文件是拍卖通告(“Proclamation of Sale”)。

有关拍卖通告将列出有关拍卖的重要资料,包括:产业基本资料、拍卖底价及种种的购买条款如付款期限、产业开销的分配等。

无论你是前或新的业主,只要有欠管理费,都需要付管理费的。因为法律的改革,现在的管理层已经不一样了, 管理层可以把拖管理费业主告上法庭。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。
Categories意见

完善财务管控 管委会责任最大

2022年06月27日

黄伟益
产业管理顾问

 

 

每月准时交出完整账目
管委会马虎不得

会计与财务管理永远是高楼管理最重要的一环,往往也是产生最多争论及矛盾的源头。

要确保全盘账目管理妥当,除了要委任有会计能力的产业管理公司之外,更要确保这家公司安排适当的人选来负责这个工作。

由于管理委员会成员须对共管机构或管理机构的全盘账目负责,即使这盘账目可能是交由产业管理公司来处理,但其责任仍归共管机构或管理机构。因此,管委会对此马虎不得,并须时刻确保产业管理公司每月准时交出完整的账目。

当然,一些具有财务能力的共管机构或管理机构,甚至可能会把会计工作交由会计楼外包处理。

尽管如此,管理办公室每个月收到多少钱,而这些钱又是否悉数存入银行户头,管理委员会成员绝对要慎查。

管理办公室每个月收到多少钱,管理委员会成员绝对要慎查。

购专业责任弥偿险

首先,管委会须确保产业管理公司有购买所需的专业责任弥偿保险(Professional Indemnity Insurance),甚至有时可能还需附加忠诚保证保险(fidelity Guarantee)或金钱保险(Money Insurance)来应付任何可能导致金钱不见的事故。

手机程式一窥收款

其次,共管机构或管理机构可以采用一些专为高楼所开发的应用程式(APP),例如CSS、Gprop、eCommunity等,让管委会成员亦能一窥管理办公室每天所收到的管理费款额,并确保这些钱如期存入管理层的户头。

今天,通过WhatsApp应用程式之便,管理职员每天都可以报上当天所收到的款额,并在钱存入银行后,把单据拍照给管委会成员过目。

一周整理每月账目

第三,管理公司必须每月在接获银行所寄来的月结单后,在一个星期内把上一个月的全盘账目整理出来,包括资产债务平衡表(Balance Sheet)、损益表(Profit & Loss Account)、现金流结算表等全部整理出来,包括让所有业主或居民过目。

财年结束结账稽查

最终,每到财政年度结束时,管理公司还要把全年的账目结算一番,包括为所有硬体资产结算其贬值数,再把全盘无误的账目交给审计司稽查,过后再通过常年大会提呈并通过。

若某个共管机构或管理机构有跟内陆税收局开档,那么这个共管机构或管理机构还必须在每年6月30日或之前,通过委任税务代理,并根据其前一年之租金收入及利息收入来结算其所应缴付的所得税,并在截止日期前缴付须缴的税务。

审计没完成拖延大会

我们经常面对一个情况,就是一些共管机构或管理机构,没有如期在指定时间内完成审计其账目,然后以此借口一直拖迟召开常年大会,以致许多改选也不能如期进行。

产业管理公司最常用的一个借口,就是因为上个财政年度的审计工作还未完成,或者审计报告还未出炉,所以管理层需要多几个月,甚至是半年或一年的时间才能召开常年大会。

一些业主不疑有他,为了确保即将召开的常年大会将有审计报告可提呈并通过,所以只好暂时忍一忍,结果最终可能导致常年大会拖迟一年半或两年才召开。

其实,任何由共管机构或管理机构召开的常年大会,可以在没有提呈审计账目或报告的情况下举办。2013年分层管理法令也没有规定,管理层若没有如期完成账目审计工作,他们无需在大会上提呈任何未经审计之账目。

业主可施压要求召开大会

只要从上个常年大会算起的15个月一过,若未见共管机构或管理机构召开常年大会,业主可以通过施压要求召开常年大会。

至于后来才完成审计的账目,则可以通过召开特别大会来接纳,或是等到下一次召开的常年大会才来通过。

我们要紧记,管委会必须最迟每15个月就召开一次常年大会。业主千万别为了让审计报告有机会在大会提呈,而让常年大会延迟召开。

职员卷款逃怎么办?

我们有时会听到一些高楼传出管理职员卷款而逃的消息,但迄今被逮捕或被提控上庭的人又有多少?到底这些人所涉及的个案,是属于盗取他人钱财、失信,还是贪污呢?

至于应交由警方来调查,或是交由反贪污委员会来处理呢?若我们投报的单位不对,这又会否影响案件的调查结果呢?

首先,我们须对案情有具体了解及研判,若属于盗取或不诚实将他人财务占为己有的行为,我们可援引刑事法典第403条文报案,要求警方调查涉嫌者及若有证据即把后者提控上庭。

一旦罪名成立,可被判不少过6个月,或者不超过5年监禁,包括施以鞭笞,甚至可被判罚款。

对于失信案,我们则可援引刑事法典第405条文,要求警方对涉嫌者展开调查及提控上庭。一旦罪名成立,他可在刑事法典第406条文下被判不超过10年监禁,包括施以鞭笞,甚至可被判罚款。关于刑事法典第403与405条文有何具体分别,您可以向律师讨教一番。

失信与贪污两码事

很多人总喜欢将偷钱、失信与贪污混为一谈。然而,贪污跟其他案件最重要的分别,就是涉嫌者是否从整个交易中获得好处。不管是回酬或是佣金,只要当事者有参与决策的过程,并影响管委会作出对其有利的决定,让他从中获得相关的利益,这就足以构成贪污罪行。

如果只是买贵了,或是货不对办,而当事者又没有从中得到好处,则不能构成贪污罪。

因此,除了要有良好的财务管理之外,管委会须建构完善的决策流程及标准作业程序,包括公开招标等,我们才能让管理层所收到的每一分钱,不会因为任何疏漏而流失。

Categories问诊室

电梯常故障 管理处不理……

2022年06月22日

物管专家:张惟越
物业管理人
佳得楼宇管理有限公司
kenteo.my@gmail.com

 

问:

张先生,您好!

我家公寓的升降机经常故障,非常麻烦,而且一坏总是要等几天才有人修。

我们多次向物业管理反映,请他们寻找解决方案,看是更换维修商等之类。

但管理处总是用各种理由,比如说MCO有人来维修就很好了?你们管理费才那么一点点要找谁维修?甚至恐吓我们说再吵他们就不找人修了。我们真是投诉无门啊!该怎么办呢?

SN Toh


答:

SN Toh,您好!

需要从两个角度探讨您面对的问题:

其一,管理处的执行力
其二,管理费的入出评估

如果民选的管理委员经多次投诉后,并未改善,就需要向以下两个机构发出投诉:

1) 建筑专员(Commissioner of Building)
2) 仲裁庭(Strata Management Tribunal)

再来就是探讨经费。

该区的管理费缴交率是否达合理水平,笔者过去的经验发现,很多时候不是管理委员不想办事,而是兜里清凉,难办而已。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。

 

Categories问诊室

拍卖屋欠10年管理费……

2022年06月8日

物管专家:张惟越
物业管理人
佳得楼宇管理有限公司
kenteo.my@gmail.com

 

问:

张先生,您好!

我刚刚通过拍卖,买下一间公寓,但发现前屋主拖欠管理费长达10年,共1万4000令吉。

我可以和管理层商量折扣吗?因为银行是根据投标价格,没有纳入管理费内。

Andy Yu


答:

Andy,您好!

这情况需要先看看销售公告“Proclamation of Sale”的内容了。

基础上2013年分层管理法令,并不授权管理委员折扣的权限, 那是需要通过在年会提呈决议案,并由合格投票人投票通过才行。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。

 

Categories贴士

公寓租不出去 管理费也得缴!

2022年04月22日

租不出去、没人住?
都不可以迟交管理费!

冠病疫情打击许多人生计,还有很多业主也面对房子租不出去的窘境,但管理费始终得付。

执业律师刘健辉在《南洋商报》的“商法律”专栏说接受提问时回答,根据马来西亚2013年的分层管理法令(Strata Management Act 2013),公寓单位的买家或屋主有法律义务支付公寓或分层产业的管理费和储备金。

对于一些公寓业主因为租客退租而拖欠管理费,已经违反了上述条例,也不能引用2020年减少冠病疫情影响临时措施法令(Temporary Measures for Reducing the Impact of Coronavirus Disease 2019 (COVID-19) Act 2020)而延迟付款。

他解释,这项法令是为了降低疫情对商家和人民的影响,所调整的法令包括1967年租购法令、1953年诉讼时效法令、1967年租购法令等等,但是并没有赋予屋主可延长或延迟缴付管理费和储备金的权利。

管理单位有权采取行动

因此,冠病疫情并非不付款的借口,否则管理单位有权利采取法律程序索取拖欠的管理费和储备金。

这包括向政府相关机构申请进入拖欠者的住家,并充公家里的流动财产(Moveable Assets),如电器、沙发、电视机等。此外,还可以禁止拖欠者使用公共设备和设施(如:游泳池、健身房等),甚至是取消通行证(Access Card),让屋主进出公寓都如同探访者(Visitors)般,也就是必须经过登记记录的程序。

因此作为业主,还是须准时缴付管理费,否则待管理单位采取行动后,可能也无法将产业租出去了。

 

Categories意见

公寓管理费被滥用 举报无门?

2022年04月18日

张惟越 · 物业管理人/佳得楼宇管理有限公司
kenteo.my@gmail.com
FB Page: 管你楼事 https://www.facebook.com/KenTeoPropertyManagement

 

共管楼宇管理资金,
究竟该由谁监督?

共管楼宇收取的管理费,属于非营利收入,它乃来自个别单位业主因楼宇年度维护、维修、保养与行政管理所需的资金,透过每年的年会宣读预算案,在获得表决通过后,由个别单位业主共同分摊的公摊收入。

而民选的管理委员,就是按照2013年分层管理法令的条规,所授权的管理者,管理委员被律法授权该楼宇资金的管理权,他们可按照通过的预算案,支配管理费的开销。

虽然2013年分层管理法令第87条文阐明,管理代理的独立性如下 :

1)如果某人对该将要分割的分层地契或分层地契楼宇拥有专业或金钱利益,则不当被任命为管理代理;

2)以下情况下,对该将要分割的分层地契或分层地契楼宇拥有专业或金钱利益的人:

i) 负责该楼宇设计与建设;

ii) 他或他的提名人,或雇员或官员将要分割之分层地契或分层地契楼宇,拥有专业或金钱利益;

iii) 他是合伙人或受雇与对将要分割之分层地契或分层地契楼宇,拥有专业或金钱利益的人;

iv) 他或他的家属,无论是直间或间接对将要分割之分层地契或分层地契楼宇,拥有专业或金钱利益。

管控管理费易黑化

但这律法条文,管制的只是由建筑专员所委任的管理代理而已。对于管理委员,则无明文指示。

这笔资金可大可小,金钱的支配权容易让人黑化。

假设:一项分层地契的共管民居楼宇

(1)拥有700个个别单位;

(2)每个单位的面积都是900平方尺;

(3)发展商预算的管理费,每平方尺35仙

该楼宇的管理费每月收入,就是700个别单位 x 900平方尺 x 35仙 = 22万500令吉。每年的管理费收入达264万6000令吉。

每月22万令吉,每年260万令吉的管理费支配权,有几个人能坚持本性不变呢?

这也是为何我们经常可在主流媒体或社交媒体看到指责管理委员滥权、拿回佣、公款私用、私吞公款等纠纷课题,因权力之诱惑让定力不坚强的人黑化,引发滥权贪污事件。

反贪会法令不适用于管理委员

马来西亚有694法令,即2009年马来西亚反贪污委员会法令,针对公职人员面对有可能的《利益挂钩,利益冲突》有需要避讳的一系列规范,来避免或遏制阻止贪污腐败及不当的利益输送。

细节如下,2009年马来西亚反贪污委员会法令,共有4项主要的贪污罪行:

1)索取/接受贿赂 [第16及17(a)条文];

2)献议/给予贿赂 [第17(b)条文];

3)提交虚假索赔 [第18条文];

4)滥用职权 [第23条文]

但以上的法令条文,只是针对“公职人员”,而不是管理委员。笔者在今年3月30日在拿督汤木(协会主席)带领下,以分层地契业主协会理事(Strata Owner Association Malaysia)身分出席大马反贪会的面谈会,呈报了有关共管楼宇金钱输送或挂钩的备忘录。

在反贪会高层的解说下,我们才了解,原来共管楼宇的管理委员实属:

(一)非公职人员;

(二)非商业机构;

因此,它属于现有2009年大马反贪会法令执法权限的灰色地带,虽然法令有明文规定,但到底哪个才是有执法权的官方单位呢?

虽然笔者向反贪会官员提出了2013年分层管理法令第87条文,阐明了管理代理的独立性需求,但反贪会却表示,2013年分层管理法令的执法单位是马来西亚房屋及地方政府部,而不是反贪会,故一旦面对类似的纠纷,第一个需要举报的官方单位乃房政部。

若滥权应投报商业罪案调查部

还有,业主可向马来西亚皇家警察商业罪案调查部举报,该商业罪案调查部,高层是由一名警察总监担任总监,并由两名副总监协助,即第一副总监(调查)和第二副总监(行政)带领,它主要的权限就是调查:

(1)商业欺诈;

(2)金融诈骗、

(3)电脑网络骗案等一切与商业、金融有关的犯罪活动。

该部门下,针对共管楼宇资金的分组有:

●会计剖析调查组

●金融调查组

●其他伪造调查组

以上都是拥有调查权的举报单位。

如果您面对管理委员滥权、挪用公款、收取回扣、私吞公款等纠纷课题,请记得向马来西亚皇家警察商业罪案调查部举报,物业管理公司并不是合格和合法的调查官,很多时候,物业管理人能扮演的角色就是尽全力协助调查。

 

Categories贴士

买排屋或公寓好?享乐篇

2022年01月28日

【买排屋或公寓好?第2篇】

天下没白吃的午餐,
享乐也得用金钱交换。

年轻一辈特爱公寓,主要是社区是围篱式,有各种公共设施可以享用。

但是,打造公共设施都需要成本,之后还要维护和保养。

打造这些设施的成本发展商已经纳入房价,但维持和保养这些设施都需要居民付出。

也因为这样,住公寓会延伸出另一个业主必须做好心理准备的经济负担──管理费。

下面列出各种和设施、服务等相关开销,也是买家决定买公寓或排屋前应该细心考量的:

公寓会所设施吸睛

公寓另一项吸引买家方是社区内的各种设施和公用空间,像泳池、健身房、公园、烧烤区、健康步道或球场和游戏室等等。

有些新的排屋楼盘也设有会所,内部同样有各种公共设施。

但对中价位排屋来说,也并非极普遍,大部份只有儿童游乐场或公园。

享公共设施有代价

一般概念是,住公寓,每月都要付管理费(Maintenance Fees),用作管理公共空间和设施,还有支付整个社区的清洁和安保费用。

当然,还有管理处提供的保安服务,还有保全设备也需要维护。

而用作维修损坏设施,或是翻新用途的开销,业主也需要固定贡献维修基金(Sinking Fund)给管理处。

所以常常有人说,“住公寓,退休后没收入还要付管理费,承担不了。”

可是,这也是一个误解,并非公寓才要付管理费,住排屋就不用付。

因为凡是2013年分层管理法令(Strata Management Act 2013)管辖的住宅,业主也要付以上费用,和有地房产与公寓无关。

如果你选的排屋是围篱式社区,採纳分层管理,社区内也有保安、会所和各式公共设施,所谓“羊毛出在羊身上”,这类社区的居户也得承担管理费。

欠管理费后果严重

顺带温馨提醒,根据2013年分层管理法令(Strata Management Act 2013),所有分层地契社区的业主,法律上都有义务付管理费,拖欠不还,管理处可依法追究,包括起诉破产。

同时,地方政府也可上门执法,并把屋内财物拍卖用作还债。

 

Categories贴士

不交管理费,谁能奈我何?

2021年12月13日

不定时交管理费?
后果可能比想象中严重…

住在公寓、围篱住宅这类分层地契的居民,根据分层管理法令(Strata Management Act),有义务每月准时缴交管理费,共同维护良好的居住环境。

其中,还分为管理费(Management Fees)和储备金(Sinking Fund),用于不同范围的维护用途,不仔细研究还真的搞不清!

大家心中难免有些疑虑,看公寓的设施环境日复一日没多大改变,究竟缴付的管理费是否有被正确使用?计算方式是否有误?若不缴付费用会面临什么样的后果?

南洋地产的《我要买房》第三集,将由分层管理仲裁庭庭长、Valerie Chong & CO创办人张玮真律师,与你分享管理费的相关须知!

本期看点:
– 管理费和储备金的分别?
– 管理费如何计算?
– 平时不常用公共设施,能豁免支付管理费吗?
– 不缴付管理费的下场很严重?
– 迟缴管理费会征收利息?
– 前业主拖欠的管理费,我必须承担?是否能申诉?

  • 【我要买房】EP03(上)觉得管理费太贵?你会计算吗?

  • 【我要买房】EP03(下)不缴管理费,这就是你的下场!

【我要买房】系列:

 

Categories问诊室

拒涨管理费 竟“不得回家”?

2021年11月30日

物管专家:张惟越
物业管理人
佳得楼宇管理有限公司
kenteo.my@gmail.com

 

问: 

张先生,您好!

我是名公寓居民,7月中接获委员会通知,基于升降机年久失修,业主须合资缴付一笔为数不小的款额来更换。

但基于我觉得数额不合理而拒绝付费,委员会竟禁止我的车子驶入公寓内。这使到我和孩子出门回家,都得走远路,引来安全问题。

在这情况下,我可以怎样做?

Melissa


答:

Melissa,您好!

维护费(Maintenance Charge)与服务费( Service Charge) 的差别在于:

~何谓管理费?那就是给了才有钱做事 。

~而服务费呢?却是享受了服务后才缴费。

共管公寓的管理是属于非营利运作的一种,管理费其实就是业主的法定的责任分摊“贡献”(Contribution)。这个责任分摊是根据ACT757,2013年分层管理法令所规定的计算公式推算的结果, 所以每位业主需要负责的管理费 :

这个责任分摊费用都是透过每单位费率 ( Rate per Share Unit )的公式 计算出来的。

如果您对管理品质不满意,您可以投诉。

如果您对预算金融不满意,您可以透过建筑委员指示管理处重新评估。

但是,因为不满意就拒绝缴费,就是抵触ACT757,2013年分层管理法令了,管理处是被律法授权可以停止您的通行卡的,但是管理处无权禁止您与您的车子回家。您可以向建筑委员投诉管理处滥权了。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。

 

Categories问诊室

装修押金,2年都退不了……

2021年11月25日

物管专家:张惟越
物业管理人
佳得楼宇管理有限公司
kenteo.my@gmail.com

 

问: 

张先生,您好!

我在两年前入住公寓时支付了1000令吉的装修押金,但已经2年了管理层都不退还,我可以直接不付管理费来相互抵消吗?

Jason


答:

Jason,您好!

可以书信给管理处,提出您的建议,至于管理处是否接受,那是管理处的权限范围。

个人觉得您的要求属于合理范围,管理处应该接纳,除非您在装修期间有抵触家规,导致您的装修押金,已经被取消了。

你也有关于房地产的问题?不管是融资、法律、物管、装修、验屋……都欢迎你电邮到prop@eNanyang.my,由驻站专家为你解答。

 

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    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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        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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