The short, fair version. 简短、公道的版本。 Versi ringkas dan adil.

Operator · My NonStop Enterprise · SSM JR0114501T运营方 · My NonStop Enterprise · SSM JR0114501TPengendali · My NonStop Enterprise · SSM JR0114501T

1. What this site is1. 本网站是什么1. Apa laman ini

This website presents our four advisory pillars — real estate, insurance, IT & security, and HRDC training. The content is for general information. It is not a binding offer, a quotation, or professional advice until confirmed with us directly. 本网站介绍我们的四大顾问业务 — 房地产、保险、IT 与安防、HRDC 培训。内容仅供一般参考，在与我们直接确认之前，不构成具约束力的要约、报价或专业意见。 Laman ini untuk maklumat am sahaja — bukan tawaran atau sebut harga mengikat sehingga disahkan dengan kami.

2. Prices, figures & availability2. 价格、数字与供应2. Harga & angka

• Any prices, rates, statistics, regulations or dates shown are indicative and can change without notice — Malaysian rules (BNM, LHDN, SSM, HRD Corp, LPPEH) update regularly.所示任何价格、费率、统计、法规或日期均为参考性，恕不另行通知即可变动 — 马来西亚法规（BNM、LHDN、SSM、HRD Corp、LPPEH）会定期更新。Harga, kadar dan peraturan adalah indikatif dan boleh berubah.
• Binding figures are confirmed only in a written quote or signed agreement from us or the relevant licensed principal (e.g. IQI Realty, the insurer, HRD Corp).具约束力的数字仅在我们或相关持牌主体（如 IQI Realty、保险公司、HRD Corp）出具的书面报价或签署协议中确认。Angka mengikat hanya disahkan dalam sebut harga bertulis.

3. Third-party brands & links3. 第三方品牌与链接3. Jenama pihak ketiga

Brand names such as BenQ, TP-Link, VIGI, Tapo, AmMetLife, Lonpac, Zurich, IQI Realty, HRD Corp and BNI belong to their respective owners. We reference them as an authorised dealer, registered negotiator, or certified partner — the mark does not imply they endorse this website's wording. BenQ、TP-Link、VIGI、Tapo、AmMetLife、Lonpac、Zurich、IQI Realty、HRD Corp 及 BNI 等品牌名称归各自所有者所有。我们以授权经销商、注册中介或认证伙伴身份引用 — 不代表对方为本网站措辞背书。 Nama jenama adalah milik pemilik masing-masing; kami merujuknya sebagai pengedar/rakan sah.

4. The AI assistant4. AI 智能助手4. Pembantu AI

The on-site assistant gives AI-generated, general guidance only. It can be wrong or out of date and must not be relied on for financial, legal, tax or purchase decisions. Always confirm with Nicholas before acting. 站内助手仅提供 AI 生成的一般性指引，可能出错或过时，不得作为财务、法律、税务或购买决策的依据。采取行动前请务必与 Nicholas 确认。 Pembantu AI memberi panduan am sahaja — sahkan dengan Nicholas sebelum bertindak.

5. Acceptable use5. 合理使用5. Penggunaan wajar

• Don't misuse the site — no attempts to break, scrape at scale, or disrupt it, and no unlawful or misleading use of our content.请勿滥用本网站 — 不得尝试破坏、大规模抓取或干扰，亦不得非法或误导性地使用我们的内容。Jangan salah guna laman — tiada gangguan atau penggunaan menyalahi undang-undang.
• Site text, layout and graphics are ours. You may share links freely; ask before republishing substantial content.网站文字、版式与图形归我们所有。欢迎自由分享链接;如需转载大量内容，请先征询。Teks dan reka letak laman adalah hak kami. Kongsi pautan dialu-alukan.

6. Liability & governing law6. 责任与适用法律6. Liabiliti & undang-undang

To the extent allowed by law, we aren't liable for losses arising from reliance on general site information before it's confirmed with us. These terms are governed by the laws of Malaysia, and the courts of Johor have jurisdiction. 在法律允许范围内,对于在与我们确认之前因依赖一般性网站信息而产生的损失,我们概不负责。本条款受马来西亚法律管辖,柔佛法院拥有管辖权。 Setakat dibenarkan undang-undang, kami tidak bertanggungjawab atas kerugian akibat maklumat am. Tertakluk undang-undang Malaysia.

7. Pillar-specific notes7. 各业务板块说明7. Nota khusus tiang

• Real estate — negotiation and listings are conducted as a Real Estate Negotiator (REN 63353) under IQI Realty Sdn Bhd. Any sale is governed by the SPA and the developer/vendor's terms, not this site.房地产 — 议价与房源以 IQI Realty Sdn Bhd 旗下房地产中介（REN 63353）身份进行。任何买卖以 SPA 及发展商/卖方条款为准，而非本网站。Hartanah — dijalankan sebagai REN 63353 di bawah IQI Realty. Jualan tertakluk SPA & terma pemaju/penjual.
• Insurance — we advise and distribute on behalf of licensed principals (AmMetLife, Lonpac, Zurich). The policy contract, not this site, defines your cover, exclusions and claims.保险 — 我们代表持牌主体（AmMetLife、Lonpac、Zurich）提供建议与销售。保单合同（而非本网站）界定你的保障、除外责任与理赔。Insurans — kami nasihat bagi pihak prinsipal berlesen. Kontrak polisi mentakrif perlindungan anda.
• IT & security — we are an authorised dealer and MCMC-registered installer, not a licensed telco or ISP. Hardware warranties are the manufacturer's; PDPA compliance support is advisory.IT 与安防 — 我们是授权经销商与 MCMC 注册施工方，并非持牌电信或 ISP。硬件保修归原厂;PDPA 合规支持为顾问性质。IT & sekuriti — pengedar sah & pemasang berdaftar MCMC, bukan telco/ISP berlesen.
• HRDC training — claimability is determined by HRD Corp under the PSMB Act 2001, subject to your levy balance and approval. We file on your behalf but cannot guarantee a grant outcome.HRDC 培训 — 报销资格由 HRD Corp 依 2001 年 PSMB 法令裁定，以你的缴纳金余额与批准为准。我们代为申报,但无法保证 Grant 结果。Latihan HRDC — kebolehtuntutan ditentukan HRD Corp di bawah Akta PSMB 2001, tertakluk baki levi & kelulusan.

8. Changes to these terms8. 条款变更8. Perubahan terma

We may update these terms as our services or Malaysian regulations change. The "last updated" date at the top always reflects the current version; continued use of the site means you accept the latest terms. If any clause is found unenforceable, the rest remains in effect. 随着服务或马来西亚法规变化,我们可能更新本条款。顶部「最后更新」日期始终反映当前版本;继续使用本网站即表示你接受最新条款。若任何条款被认定不可执行,其余条款仍然有效。 Kami mungkin kemas kini terma apabila perkhidmatan atau peraturan berubah. Tarikh "dikemas kini" mencerminkan versi semasa; penggunaan berterusan bermakna anda menerima terma terkini.