Categories趋势

新概念店铺战“疫”突围

2021年06月28日

独家报道:黎添华

有 “槟岛后花园”之称的浮罗山背,
最近有些“不寻常的现象”。

尽管多次的行动管控令(MCO)让产业市场变得坎坷难行,一些店铺更是无人问津,但当地的Botanica.CT却相当活跃,新的各类商店开了一间又一间,当中更不乏知名的连锁品牌如星巴克、肯德基和同发超市(TF Mart) ,入驻在即的则包括 Baker’s Cottage及全家便利店(Family Mart)。 这不禁让人纳闷, 店铺怎么会在这段期间如此火热?

本报就特地向南马、中马及北马的发展商和产业相关业者了解,同时也从房产代理探听后发现,店铺若是捉到窍门,疫情下随时可能一枝独秀,精彩到最后。

林福山

中马篇——
发展商更谨慎推出商用产业

对林木生集团(LBS,5789,主板产业股)董事经理丹斯里林福山而言,尽管MCO大致上来说会对一些店铺带来某程度的影响,但对整个市场却不能一概而论。

他接受《南洋商报》电邮访问时表示,有些人口密集和增长迅速的地区,店铺仍有强稳的需求。

他说,因此发展商对商用产业的推出肯定会更加谨慎,若是做好市场研究和规划,不见得店铺在这个时候就不能推出。

IJM置地(IJM Land)集团销售与市场营销总经理黃慧贞也表示,虽然商用产业的需求短期内依然疲弱,但我国去年实行的各项行动管控措施,某个程度上提醒了民众在住家附近拥有基本的便利设施和方便是何其重要,因此,店铺不见得就被淘汰下来。

黃慧贞

杂货店等受青睐

以IJM置地本身的一个最新个案为例,该集团今年5月通过一个线上视频会议进行预先推介的Bandar Rimbayu城镇Uptown新店铺(68 shops Uptown @ Rimbayu ),在短时间内售罄。

“在疫情爆发期间,杂货店、迷你超市、提供基本需求的供应/便利店和药店等基本商品业务,都受到附近购物的客户的青睐。”

黄慧贞在电邮访问中对本报指出,疫情促使购屋者在考虑新住宅项目时更重视健康、永续性和设计适应性。

为此,IJM置地今年在住宅产品(大部分)的重点将是靠近便利设施、设计和布局,为住宅提供自然通风和日光、灵活的空间和隐私;绿化以及休闲和健康空间将同样重要。

不难发现,其实疫情对商业店铺并不是最大的挑战,若是处理得当, 反而还会成功逆袭而上,成为最火红的房产项目。

许廷忠

北马篇——
店铺应对时代 融入共享概念

汇华产业集团(Hunza Properties Berhad)创办人拿督斯里许廷忠发现,即使是经历过几次的经济危机,但产业市场仍能用独特的策略来出奇制胜,因此商业单位在疫情期间也依旧有市场需求。

涉足产业市场长达逾40年,经验老道的许廷忠指出,关键在于,发展商是否懂得规划设计出符合消费者与投资者的项目。

他透露,目前市场上的店铺单位不多,但询问的人却不少,显然的,店铺仍具有高询问度。惟他指出,目前的店铺不能再延续过去般纯粹就是店铺用途,反之需要融合符合时下大环境的需求。

“因为时代的需要,所以现在的店铺需要融入共享概念。”

须严控成本

另外,他建议,因为疫情后的商业活动受限,所以有意在未来推出店铺单位的发展商,需比过去更要在成本上严厉把关。

根据马来西亚房地产发展商会(REHDA)的调查发现,2021年上半年计划推出的1万3037单位中,有1万2874是住宅单位(6998为分层单位和5876个是有地住宅),以及163个商用产业。

据悉,新推出商业单位不多,主要是当中存在许多未知数,导致发展商暂时不推出新单位。

不过,愿意推出商用产业的发展商始终大有人在,因为这些发展商放眼的是未来,而不是现在。

更重要的是,疫情让他们看见未来的发展趋势,待疫情放缓,甚至结束后,这些新商业项目也恰逢竣工,同时也能搭上经济复苏的时机。

陈成龙

南马篇——
旺区周边商区逆势“疫”军突起

其实,要看商业店铺是否具备韧性,在一场疫情足以看出端倪。

龙城集团(BCB,6602,主板产业股)创办人丹斯里陈成龙就表示,店铺不见得在疫情期间就不好买,其中集团下的数项商业项目就卖得比预期好,未来也会继续推出更多的商用产业项目。

集团董事陈伶俐也分析,在新山,一些原本就已经成熟热闹的商业区,反而在疫情期间因为人潮明显出现落差而显得无人问津,加上原本租金就已经不低,因此更难吸引新的投资者。

倒是距离这些成熟地区10至15分钟车程的周边新兴商业区,不仅获得投资者青睐,年轻民众也喜欢到这些地方。

也是马来西亚房地产发展商会(REHDA)柔州副秘书的陈伶俐指出,这是因为新兴商业店铺在设计上较符合时下的生活要求,也能顺应时代作出调整。

其中,一些愿意花心思的发展商会在打造商业项目时,特别考量停车位是否足够、走廊空间的运用可以如何发挥、公共空间可以如何规划等细节。

此外,一些商业项目甚至会通过樑蓬设计将各个店铺单位相连起来,同时也让民众遮阳挡雨,十分贴心。

反之,由于相对较成熟的商店属于早期的发展设计,因此相对时下的店铺缺少了概念上的细心与周全。因此疫情期间反倒没有新兴商用产业项目来得更受落。

陈伶俐

设计方便外送员空间

再来,她指出,随着外卖在疫情期间成为一种新常态后,集团也打算在商业项目的设计上,特别就方便外送员驶入与停放的空间使用作出考量。

“我们希望打造的商业项目能更符合疫情下的常态要求,同时也更贴近民众的生活需求。”

另一个卖点是,相比成熟且老旧的商业区,新兴商业项目区的租金反而更便宜,加上设计与概念极具人性化,因此特别受到疫情下想出来做生意的人的热捧。

显然的,疫情下的商用产业并没有因此一片死寂,反倒清楚彰显出哪些商业区更具韧性,哪些设计概念更具卖点,且是否与时并进。

一如陈伶俐特别强调的,疫情下的商业项目并没有那么悲观,反而是让民众更清楚自己想要的商用单位,让发展商卯足劲去打造出更符合民众需要的项目。

宋明威

非常时期卖出
必是绝佳店铺

产业市场上,最前线的莫过于穿梭于发展商与购屋者之间的房产经纪,他们对市场上的最新动向嗅觉也最敏锐。

北马最大房产经纪公司GIC房产投资集团(GIC GROUP)创办人兼总执行长宋明威就指出,目前店铺确实因为疫情关系变得较少人问津,但正因如此,若还能卖得出的单位,就必定是绝佳的单位。

“目前大家对店铺都是保持着观望态度,但是价格优惠,加上概念和设计卓越的话,就能获得青睐。”

他指出,过去的商业店铺租期为至少一年,但疫情期间,不少店主却愿意将租期灵活性处理,例如以3至6个月短租方式出租。

不仅如此,一些租户也要求业主在租约上列明,一旦政府落实MCO就得免收租金。换言之,类似做法也成了商业店铺力挽狂澜的方式之一。

杂货零售市场红火

另外,根据本报早前报道,尽管疫情重挫零售业,但杂货零售市场却因为民众在疫情期间极度依赖杂货零售,意外地让该领域变得红火。

这也是为何 myNews.com,也于去年底引入韩国著名的CU连锁便利店,更计划在未来5年内开设多达500间分店,而99 SpeedMart及KK超市集团(KK Supermart & Superstore)等原有业者加速开设更多分店。

另外,新晋品牌的便利店,如SuperCo、Seasons Grocer、K8Xpress,主打2令吉商品市场的HeroNoko、MR.Dollar及EcoShop,FoodPanda旗下的PandaMart,以及从线上扩展到线下的Potboy Mart等等也计划进军本地市场。

泰国大财团卜蜂则收购主要连锁霸级市场之一的英国特易购,将它披上新装,以全新面貌在本地杂货零售市场大展拳脚。 这还不包括宜康省(Econsave)及Hero Market等想在便利店插上一脚的超级市场业者。

上述业者有不少都是通过店铺经营零售门市生意,因此不难发现,商业店铺仍有殷切的需求,尤其是这些杂货零售大举抢滩的地区。

结语:疫情像产业市场淘汰赛

疫情重挫经济活动是铁一般的事实,但这却可能不是事实的全部,其中商店的走势就是一个例子。

当我们以为店铺的销售与租赁在疫情期间举步难行之际,一些地点绝佳、价格优惠、设计新颖、概念符合当今需求,且以人为本的项目却成功脱颖而出。

这也意味着,其实疫情更像是一场产业市场淘汰赛,将不符合投资者需求的项目逐一加速淘汰,同时将更具卖点的项目彰显出来。

可以这么说,这个时候或许更是检视商用产业是否值得投资的最好时机,因为懂得包装却金玉其外败絮其中的项目早就撑不过,而最好的、韧性强的,你当下最能一目了然。

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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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