Terms & Conditions
No portion of this service may be reproduced in any form, or by any means, without prior written permission from Gold View Jeweller Sdn Bhd.
1. Rules and Regulations.
The following rules and regulations apply to all visitors to or users of this Web Site. By accessing this Web Site, user acknowledges acceptance of these terms and conditions.Gold View Jeweller Sdn Bhd(“GVJSB”) reserves the right to change these rules and regulations from time to time at its sole discretion. In the case of any violation of these rules and regulations, GVJSB reserves the right to seek all remedies available by law and in equity for such violations. These rules and regulations apply to all visits to GVJSB, both now and in the future.
2. Limited License.
GVJSB hereby authorizes you to copy materials published by GVJSB on this Web Site solely for non-commercial use within your organization (or if you are a GVJSB Partner, your customer's organization) in support of GVJSB services. No other use of the information is authorized. In consideration of this authorization, you agree that any copy of these materials, which you make, shall retain all copyright and other proprietary notices in the same form and manner as on the original. Except as specified above, nothing contained herein shall be construed as conferring by implication, or otherwise any license or right under any patent, trademark or copyright of GVJSB or any third party.
ALL CONTENTS ON THIS SITE ARE PROTECTED BY COPYRIGHT. EXCEPT AS SPECIFICALLY PERMITTED HEREIN, NO PORTION OF THE INFORMATION ON THIS WEB SITE MAY BE REPRODUCED IN ANY FORM, OR BY ANY MEANS, WITHOUT PRIOR WRITTEN PERMISSION FROM GVJSB. VISITORS OR USERS ARE NOT PERMITTED TO MODIFY, DISTRIBUTE, PUBLISH, TRANSMIT OR CREATE DERIVATIVE WORKS OF ANY MATERIAL FOUND ON THIS SITE FOR ANY PUBLIC OR COMMERCIAL PURPOSES.
3. Trademarks.
The trademarks, logos and service marks ("Marks") displayed on this Web Site are the property of GVJSB or other third parties. Users are not permitted to use these Marks without the prior written consent of GVJSB or such third party, which may own the Mark.
4. General Disclaimer.
Although GVJSB has attempted to provide accurate information on the Web Site, GVJSB assumes no responsibility for the accuracy of the information.GVJSB may change the programs or services mentioned at any time without notice. Mention of non-GVJSB products or services is for information purposes only and constitutes neither an endorsement nor a recommendation.
ALL INFORMATION PROVIDED ON THIS WEB SITE IS PROVIDED "AS IS" WITH ALL FAULTS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. GVJSB AND ITS SUPPLIERS DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT OR ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
GVJSB SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, COSTS OF REPLACEMENT GOODS, LOSS OR DAMAGE TO DATA ARISING OUT OF THE USE OR INABILITY TO USE THIS SITE OR ANY GVJSB PRODUCT, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENT, EVEN IF GVJSB OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
5. Disclosure; Forward-Looking Statements.
Some of the information on this Web Site may contain projections or other forward-looking statements regarding future events or the future financial performance of the Company. We wish to caution you that these statements are only predictions and those actual events or results may differ materially.
6. Links to Third Party Sites.
This Web Site may contain links to third party sites. Access to any other Internet site linked to this Web Site is at the user's own risk and GVJSB is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these sites. GVJSB provides these links merely as a convenience and the inclusion of such links does not imply an endorsement.
7. Access to Password Protected/Secure Areas.
Access to and use of password protected and/or secure areas of the Web Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Web Site may be subject to prosecution.
8.Anti-Money Laundering, Anti-Terrorism Financing And Proceeds Of Unlawful Activities Act 2001 (AMLATFPUAA) & Financial Services Act 2013 (FSA).
8.1 GVJSB acknowledges that the document or information collected by GVJSB from you relating to your affair or account as a customer of GVJSB will be only used and/or disclosed in accordance to the secrecy provisions under the Financial Services Act 2013 (FSA).
8.2 GVJSB, its subsidiaries and officers shall comply in all material respects with the all applicable laws, regulations, guidelines and policies relating to AMLATFPUAA, including all, Regulations and Rules.
8.3 Without limiting the generality of the foregoing, to the extent required by the AMLATFPUAA, GVJSB shall (a) maintain an anti-money laundering and anti-terrorism financing compliance program that is in compliance, in all material respects, with the AMLATFPUAA, (b) conduct, in all material respects, the due diligence required under the AMLATFPUAA in connection with the use of the Account, including with respect to the origin of the funds used by you to reload into the Account and (c) maintain sufficient information to identify you for purposes of compliance, in all material respects, with the AMLATFPUAA.
8.4 In the event your Account is ceased, terminated or suspended by GVJSB due to fraudulent, illegal or unlawful transactions including but not limited to breaches of any law (including but not limited to the Financial Services Act 2013 and/or AMLATFPUAA or any regulation and/or guidelines made thereunder), you shall not be entitled to obtain any refund of the monies and all reload monies whatsoever in the Account and it shall be lawful for GVJSB to retain for an indefinite period or release to the relevant authorities all monies in the Account in accordance with applicable legislation, regulation and/or guidelines. You shall not be entitled to claim any form of compensation for any loss arising therefrom from GVJSB.
GVJSB Online Privacy Statement
GVJSB respects your privacy. We want to make use of individual identifying information that you provide to us for purposes of serving you better. "Individual identifying information" is information that enables us to identify you, such as your email address, name, title and address. GVJSB uses the individual identifying information in order to personalize your experience on our website and also to be able to selectively send you communications that may be of interest to you, either electronically or otherwise.
GVJSB's policy regarding use of your individual identifying information supplied to us or collected via your experience at our online website covers these areas:
1. Notice and Disclosure
This Online Privacy Statement is made available to you in order to make you aware of how GVJSB collects and uses individual identifying information of visitors toGVJSB's website.
GVJSB collects the following information regarding visitors to our website: domain name, name, information regarding what pages are accessed, information volunteered by you, such as survey information, email address, or site registrations, and your preferred means of communication.
GVJSB does make individual identifying information available to third parties, including business partners, for marketing purposes. GVJSB also uses such information to contact people for marketing purposes.
2. Choice/Consent
New registrants to website have the choice to opt out of having individual identifying information provided in the registration process used for any purpose unrelated to the purpose for which the information was provided to us. We are working on ways to enable you to communicate to us that your individual identifying information should not be used for additional purposes.
When you sign up for an email list, you will be given instructions at that time on how to remove yourself from that list.
Access to certain of GVJSB's webpages require a login and password The use of those webpages, and the information or programs downloadable from those sites, may be governed by a written agreement between your employer and GVJSB. Your individual identifying information may be retained by GVJSB to verify compliance with the agreement, log software licenses granted, to track software downloaded from those pages, or track usage of other applications available on website.
3. Data Security
GVJSB is committed to taking reasonable steps to protect the individual identifying information that you provide to us.
4. Data Quality and Access
The accuracy of your individual identifying information is important to GVJSB. We are working on ways to make it easier for you to review and correct the information that GVJSB maintains about you. Registered website users can review their individual identifying information by accessing the website with a username and password.
5. Use of Cookies
A cookie is a small data file that certain Web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites.
If you prefer not to receive cookies, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser.
Disclaimer
THE MATERIALS AND SERVICES PROVIDED AT THIS SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY.
GVJSB further does not warrant the accuracy and completeness of the materials or services at this Site. GVJSB may make changes to the materials and services at this Site, or to the products and prices described in them, at any time without notice. The materials and services at this Site may be out of date, and GVJSB makes no commitment to update the materials and services at this Site. Information published at this Site may refer to products, programs or services that are not available in your country. Please contact GVJSB for information regarding the products, programs and services that may be available to you. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.
Limitation of Liability
IN NO EVENT WILL GVJSB, ITS SUPPLIERS, OR OTHER THIRD PARTIES MENTIONED AT THIS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS, INFORMATION OR SERVICES FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Personal Loan
Gold View Jeweller’s Terms and Conditions
These are the additional terms and conditions which govern the personal loan issued and granted by GVJSB to you pursuant to and in addition to the Moneylending Agreement and the terms and conditions on which you will repay the personal loan to GVJSB.
Please read them carefully as you will be bound by them.
1. Information About Us and How To Contact Us
1.1 Who we are. We are Gold View Jeweller Sdn. Bhd. (“GVJSB”), a company registered in Malaysia. Our company registration number is 199301023716 (278454-U) and our office is at NO. G 122, HOLIDAY PLAZA, JALAN DATO' SULAIMAN, TAMAN CENTURY, 80250 JOHOR BAHRU, JOHOR. All references to “GVJSB”, “we”, “us” or “our” in these terms and conditions refer to GVJSB.
1.2 How to contact us. You can contact us by emailing us at
customer.service.gvloan@gmail.com.
1.3 How we may contact you. If we have to contact you, we will do so by telephone or by writing to you at the email address or postal address you provided to us.
2. The Service We Offer
2.1 Personal Loan. We offer personal loans (“Loan”) in accordance with the Moneylenders Act 1951 and we are a licensed moneylender regulated by Kementerian Perumahan dan Kerajaan Tempatan (“KPKT”).
2.2 Eligibility. You can only apply for a Loan if you are 18 years old and above and if You meet all the other criteria or requirements determined by us. We may change the eligibility criteria from time to time at our sole and absolute discretion.
2.3 Loan Application and Moneylending Agreement. Subject to sections 3.1 and 3.4 below, once we have approved your Loan application, you must sign the Moneylending Agreement (in the prescribed form) which will form the binding legal contract between you, the borrower and us, the lender. You will be responsible to pay for the stamp duty for the Moneylending Agreement unless we waive the same.
2.4 Disbursement of Loan. You authorize and consent to the disbursement of the Loan amount you have applied for and that we have approved for you to be credited to your personal bank account in Malaysia once this option is available. By authorizing the disbursement of the Loan amount to your personal bank account, you consent and authorize us to transfer the Loan amount (in full or in part) and any information as may be required to your local bank in order for your local bank to credit the same to your personal bank account, as the case may be.
3. Credit Reporting and Your Data
3.1 Credit report. You cannot use our service until we have approved your Loan application and you have passed our credit report check. You can reapply for a credit report check with us if you fail our initial credit report check after a predetermined amount of time.
3.2 Validity of the credit report. Your credit report check with us is only valid for a limited amount of time. We will carry out additional credit report checks on you once your credit report check expires. Depending on the result of these additional credit report checks, we may cancel your right to access our service or reduce your loan limit.
3.3 Providing your data. You must provide your data (including your personal data) to us to complete the credit report check. When you provide your personal data to us, you warrant that the personal data you provide is correct. This means that we may take legal action against you if you provide us with false data. You are also responsible to update your data with us if there are any changes in your circumstances.
3.4 Anti-Money Laundering Checks and Fraud Prevention Checks. We may, from time to time and in accordance with applicable laws and our internal procedures, perform additional anti-money laundering checks and fraud prevention checks. If you do not pass such checks, we may not approve your Loan application.
3.5 How We May Use Your Personal Data. We will only use your personal data as set out in our Privacy Policy. By agreeing to these Terms and Conditions, you also agree to provide us with your personal data for processing and you consent to our Privacy Policy.
4. How Much We Will Charge You
4.1 Interest rate. You shall start to accrue interest from the date of the Moneylending Agreement. You must pay us the interest rate as stated in the Moneylending Agreement.
5. When You Need To Repay Your Loan To Us and How You Will Repay Us
5.1 First Instalment Payment Date. Your repayment and instalment dates are as stated in the Moneylending Agreement (Schedule J). We will also indicate when your first instalment payment is due on your GVLoan app.
5.2 Instalment Payments. You must pay the Loan in monthly instalments. The dates of payment and amount due will be as stated in the Moneylending Agreement (Schedule J). They will also be indicated on your GVLoan app. We may also send you reminders before the due date of each instalment payment. If the due date for your instalment payment falls on a non-working day in Malaysia (i.e. Saturday or Sunday), the instalment payment shall be processed on the next working day. The hierarchy of payments i.e. in terms of deduction of interest, fees, loan principal and so on will be determined at our sole and absolute discretion.
5.3 Auto Debit. You authorize and consent to the automatic debiting by GVJSB from your bank account for repayment of the Loan on the day each of your instalment payment(s) is due. You must ensure that the balance in your bank account is sufficient to cover the amount of your instalment payment each month.
5.4 Early Repayment. Please contact us for the details on this option. In the case of early repayment, we reserve the right to recalculate interest and not to charge for the period that you are not utilizing or have not utilized the Loan.
6. What Happens If You Fail To Repay Us
IMPORTANT! WE MAY TAKE LEGAL ACTION AGAINST YOU IF YOU FAIL TO REPAY US
6.1 Grace Period. We may, at our sole and absolute discretion, offer you a grace period of 3 days from the date you fail to pay us your instalment payment. This means we will not charge you any late payment interest if you pay us during the grace period. Payment will be automatically debited from your bank account during the grace period if the balance in your bank account is sufficient to cover the amount of your instalment payment.
6.2 Late Payment Interest. We will impose an interest for late payment for each monthly instalment payment you fail to pay us after the grace period.
6.3 Legal Action. We shall ourselves or we shall instruct appointed third parties, to contact you to collect or attempt to collect, any missed payment or interest, fees or charges due under the Moneylending Agreement. We may take legal action against you if you fail to repay any of your instalment payments to us. This may include prosecuting you in court. You shall be liable for all costs and expenses we incur in bringing any legal proceedings against you including all attempts via third parties to collect missed payments.
7. Our Responsibility For Loss Or Damage Suffered By You
7.1 We are not responsible to you for any loss and damage caused by us but we do not exclude or limit in any way our liability to you where it would be unlawful to do so.
7.2 Your Liability To Us
You will be liable to us for any foreseeable loss or damage suffered by us as a result of:
a) any breach by you of the Moneylending Agreement, these Terms and Conditions or any other terms as may be applicable to you under law in respect of the Loan;
b) your negligence or willful default;
c) any fraudulent use by you of the Loan; and
d) your delay in repaying the Loan amount on the instalment dates and for all costs and expenses incurred by us in respect thereto.
8. Other important terms
8.1 We may transfer this agreement to someone else. We may transfer our rights and obligations under these terms to another company where permissible under the applicable laws. We will always notify you if this happens.
8.2 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
8.3 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking these terms and conditions, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss an instalment payment and we do not chase you, we can still require you to make the instalment payment at a later date or impose the late payment interest.
8.4 Amendment. We may amend these Terms and Conditions from time to time where required. Please ensure you always check the App for the latest terms and conditions applicable. By continuing to use the App and also continuing with your Loan after any changes to these Terms and Conditions, you agree to be bound by the updated Terms and Conditions.
8.5 Which laws apply to this contract. These terms are governed by Malaysian law.
