{"id":3,"date":"2025-07-17T13:02:35","date_gmt":"2025-07-17T13:02:35","guid":{"rendered":"https:\/\/wallstreetsgroup.com\/?page_id=3"},"modified":"2025-09-03T18:26:04","modified_gmt":"2025-09-03T10:26:04","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/wallstreetsgroup.com\/cn\/terms-conditions\/","title":{"rendered":"Terms & Conditions"},"content":{"rendered":"
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TERMS AND CONDITIONS<\/span><\/h1>

Wall Street Group Sdn Bhd Partnership Platform<\/span><\/h2>

Effective Date<\/b>: 26\/8\/2025<\/span><\/p>

Last Updated<\/b>: 26\/8\/2025<\/span>
<\/span>Version<\/b>: 1.0<\/span><\/p>

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TABLE OF CONTENTS<\/span><\/h2>
  1. Introduction and Acceptance<\/span><\/li>
  2. Definitions<\/span><\/li>
  3. Platform Description and Services<\/span><\/li>
  4. Partnership Registration and Eligibility<\/span><\/li>
  5. Exclusivity Obligations<\/span><\/li>
  6. Commission Structure and Payment Terms<\/span><\/li>
  7. Partner Obligations and Responsibilities<\/span><\/li>
  8. Prohibited Activities and Rule Violations<\/span><\/li>
  9. Commission Forfeiture Provisions<\/span><\/li>
  10. Termination and Suspension<\/span><\/li>
  11. Intellectual Property Rights<\/span><\/li>
  12. Confidentiality and Data Protection<\/span><\/li>
  13. Limitation of Liability<\/span><\/li>
  14. Dispute Resolution<\/span><\/li>
  15. Governing Law and Jurisdiction<\/span><\/li>
  16. General Provisions<\/span><\/li><\/ol>

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    1. INTRODUCTION AND ACCEPTANCE<\/span><\/h2>

    1.1 About Wall Street Group<\/span><\/h3>

    Wall Street Group Sdn Bhd (“<\/span>Company<\/b>“, “<\/span>we<\/b>“, “<\/span>us<\/b>“, or “<\/span>our<\/b>“) is a Malaysian company incorporated under the Companies Act 2016, operating as Malaysia’s pioneering property finance partnership platform. We provide the market’s only commission-sharing partnership model between outsource bankers and property agents, revolutionizing traditional property finance relationships through integrated loan and insurance solutions.<\/span><\/p>

    1.2 Agreement Formation<\/span><\/h3>

    These Terms and Conditions (“<\/span>Terms<\/b>“) constitute a legally binding agreement between Wall Street Group Sdn Bhd and any individual or entity (“<\/span>Partner<\/b>“, “<\/span>you<\/b>“, or “<\/span>your<\/b>“) who registers for, accesses, or uses our partnership platform and services. By registering as a Partner, submitting an application, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.<\/span><\/p>

    1.3 Legal Capacity and Authority<\/span><\/h3>

    By accepting these Terms, you represent and warrant that: (a) you have the legal capacity to enter into this agreement; (b) if representing a company or organization, you have the necessary authority to bind such entity to these Terms; (c) you are at least 18 years of age; and (d) your acceptance and performance under these Terms will not violate any applicable laws, regulations, or existing contractual obligations.<\/span><\/p>

    1.4 Amendments and Updates<\/span><\/h3>

    We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting the revised Terms on our platform or website. Your continued use of our services after such changes constitutes your acceptance of the modified Terms. It is your responsibility to regularly review these Terms to stay informed of any updates.<\/span><\/p>

    2. DEFINITIONS<\/span><\/h2>

    For the purposes of these Terms, the following definitions shall apply:<\/span><\/p>

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    “Affiliate”<\/b> means any entity that directly or indirectly controls, is controlled by, or is under common control with a party to these Terms.<\/span><\/p>

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    “Client”<\/b> means any individual or entity referred by a Partner to the Company for loan processing and insurance services.<\/span><\/p>

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    “Commission”<\/b> means the monetary compensation payable to Partners based on successful insurance policy activations as detailed in Section 6.<\/span><\/p>

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    “Commission Forfeiture”<\/b> means the loss of entitlement to commission payments due to breach of these Terms or violation of partnership obligations.<\/span><\/p>

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    “Competing Platform”<\/b> means any other entity, platform, service, or business that provides outsource banking services, loan processing services, insurance commission sharing, or similar property finance partnership services in Malaysia.<\/span><\/p>

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    “Confidential Information”<\/b> includes but is not limited to business strategies, client lists, commission structures, proprietary processes, financial information, and any non-public information disclosed during the partnership.<\/span><\/p>

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    “Cooling Period”<\/b> means the 18-day period following insurance policy activation during which the policy may be cancelled, after which commission payments become due.<\/span><\/p>

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    “Exclusivity Obligation”<\/b> means the Partner’s commitment not to engage with any Competing Platform during the term of this agreement.<\/span><\/p>

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    “MLTA Insurance”<\/b> means Mortgage Level Term Assurance or similar insurance products offered through our integrated services.<\/span><\/p>

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    “Partner”<\/b> means any property agent, negotiator, project representative, or professional property consultant who has registered and been accepted into our partnership program.<\/span><\/p>

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    “Partnership Platform”<\/b> means the Company’s proprietary system, services, and business model for commission-sharing partnerships.<\/span><\/p>

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    “Rule Violation”<\/b> means any breach of these Terms, failure to comply with partnership obligations, or engagement in prohibited activities as defined herein.<\/span><\/p>

    3. PLATFORM DESCRIPTION AND SERVICES<\/span><\/h2>

    3.1 Unique Value Proposition<\/span><\/h3>

    The Company operates Malaysia’s only commission-sharing partnership platform that bridges the gap between property agents and outsource banking services. Unlike traditional outsource bankers who retain 100% of insurance commissions, our revolutionary model shares 50% of insurance commissions with Partners, creating genuine win-win partnerships that generate additional revenue streams for property professionals.<\/span><\/p>

    3.2 Core Services<\/span><\/h3>

    Our integrated service offering encompasses four primary components designed to streamline the property finance process while maximizing Partner benefits:<\/span><\/p>

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    \u4e13\u4e1a\u623f\u8d37\u5904\u7406<\/b>: We provide comprehensive loan application handling, including initial assessment, documentation preparation, bank liaison, valuation coordination, and approval facilitation. Our experienced team manages all banking procedures with our network of partner financial institutions, ensuring efficient processing and optimal approval rates.<\/span><\/p>

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    Letter of Offer (LO) Signing Assistance<\/b>: Upon loan approval, we provide professional support during the LO signing process, ensuring all documentation is properly executed and compliance requirements are met. This includes coordination with all relevant parties and resolution of any technical issues that may arise.<\/span><\/p>

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    Insurance Integration and Recommendation<\/b>: Following successful loan approval, we seamlessly introduce MLTA insurance protection plans to clients, leveraging our expertise to match appropriate coverage with client needs. This integrated approach ensures clients receive comprehensive financial protection while generating commission opportunities for Partners.<\/span><\/p>

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    Commission Payment Processing<\/b>: We maintain transparent commission calculation and payment systems, processing Partner commissions according to our established formula following the completion of the cooling period. All payments are made in accordance with the terms specified in Section 6 of these Terms.<\/span><\/p>

    3.3 Partnership Process<\/span><\/h3>

    Our streamlined four-step partnership process is designed to maximize efficiency while ensuring optimal outcomes for all parties:<\/span><\/p>

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    Step 1 – Client Referral<\/b>: Partners submit client property purchase details through our designated channels, triggering immediate commencement of loan application processing by our professional team.<\/span><\/p>

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    Step 2 – Loan Processing<\/b>: Our team handles all aspects of loan approval, including valuation arrangements, document completion, and coordination with partner banks, maintaining regular communication with Partners throughout the process.<\/span><\/p>

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    Step 3 – LO Signing and Insurance Introduction<\/b>: Following loan approval, we coordinate LO signing procedures and introduce appropriate MLTA insurance options to clients, ensuring seamless integration of loan and insurance services.<\/span><\/p>

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    Step 4 – Commission Payment<\/b>: Upon successful insurance policy activation and completion of the cooling period, we calculate and process commission payments according to our transparent formula, providing detailed statements to Partners.<\/span><\/p>

    4. PARTNERSHIP REGISTRATION AND ELIGIBILITY<\/span><\/h2>

    4.1 Eligibility Requirements<\/span><\/h3>

    To qualify for partnership with the Company, applicants must meet the following mandatory criteria:<\/span><\/p>

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    Professional Qualifications<\/b>: Applicants must be licensed property agents, registered negotiators, authorized project representatives, or qualified professional property consultants operating legally within Malaysia. Valid professional licenses and certifications must be maintained throughout the partnership term.<\/span><\/p>

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    Active Business Operations<\/b>: Partners must demonstrate active property business operations with consistent client flow and established market presence. Evidence of ongoing transactions and professional activity may be required during the application process.<\/span><\/p>

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    Legal Standing<\/b>: Partners must be in good legal standing with no pending legal actions, regulatory violations, or professional misconduct issues that could adversely affect the Company’s reputation or business operations.<\/span><\/p>

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    Commitment to Partnership<\/b>: Partners must demonstrate genuine commitment to long-term partnership and willingness to comply with all terms, conditions, and obligations set forth in this agreement.<\/span><\/p>

    4.2 Application Process<\/span><\/h3>

    The partnership application process involves comprehensive evaluation to ensure alignment with our standards and objectives:<\/span><\/p>

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    Initial Application<\/b>: Prospective Partners must complete our detailed application form, providing accurate information regarding professional qualifications, business operations, client volume, and partnership objectives.<\/span><\/p>

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    Documentation Submission<\/b>: Applicants must provide copies of relevant licenses, certifications, business registration documents, and any other materials requested by the Company to verify eligibility and professional standing.<\/span><\/p>

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    Evaluation and Assessment<\/b>: The Company conducts thorough evaluation of applications, including verification of credentials, assessment of business operations, and determination of partnership suitability based on our established criteria.<\/span><\/p>

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    Approval and Onboarding<\/b>: Successful applicants receive formal approval notification and undergo comprehensive onboarding procedures, including training on our processes, systems, and partnership requirements.<\/span><\/p>

    4.3 Partnership Acceptance<\/span><\/h3>

    Partnership acceptance is entirely at the Company’s discretion. We reserve the right to reject any application without providing detailed explanations, and our decisions regarding partnership acceptance are final and non-appealable. Acceptance of a Partner does not guarantee any minimum commission levels or business volume.<\/span><\/p>

    5. EXCLUSIVITY OBLIGATIONS<\/span><\/h2>

    5.1 Fundamental Exclusivity Commitment<\/span><\/h3>

    Absolute Exclusivity Requirement<\/b>: By entering into this partnership agreement, Partners commit to an absolute exclusivity arrangement with the Company. This means Partners are strictly prohibited from engaging with, registering for, or utilizing services from any Competing Platform during the entire term of this agreement and for such post-termination period as may be specified by the Company.<\/span><\/p>

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    Scope of Exclusivity<\/b>: The exclusivity obligation encompasses all forms of engagement with Competing Platforms, including but not limited to: (a) registration or application for services; (b) referral of clients or potential clients; (c) participation in commission-sharing arrangements; (d) utilization of loan processing services; (e) collaboration on insurance products; and (f) any other form of business relationship or cooperation. This exclusivity obligation continues during the agreement term and for such post-termination period as may be specified by the Company.<\/span><\/p>

    5.2 Legal Basis and Enforceability<\/span><\/h3>

    This exclusivity provision is established based on legitimate business interests and is designed to protect the Company’s investment in Partner relationships, proprietary business model, and competitive advantages. The exclusivity arrangement is reasonable and proportionate considering the unique benefits provided to Partners, including commission sharing opportunities not available elsewhere in the Malaysian market.<\/span><\/p>

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    The Company has legitimate interests in maintaining exclusivity, including: (a) protection of proprietary business processes and methodologies; (b) preservation of competitive advantages in the marketplace; (c) ensuring adequate return on investment in Partner training and support; (d) maintaining quality control and service standards; and (e) protecting confidential information and trade secrets.<\/span><\/p>

    5.3 Monitoring and Enforcement<\/span><\/h3>

    Monitoring Activities<\/b>: The Company reserves the right to monitor Partner activities to ensure compliance with exclusivity obligations. This may include periodic reviews of Partner business activities, client referral patterns, and market presence assessments.<\/span><\/p>

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    Reporting Obligations<\/b>: Partners must immediately notify the Company of any approaches, solicitations, or offers from Competing Platforms. Failure to report such contacts may be considered a breach of these Terms.<\/span><\/p>

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    Investigation Rights<\/b>: Upon reasonable suspicion of exclusivity violations, the Company may conduct investigations, request documentation, and require Partners to provide detailed explanations of their business activities and relationships.<\/span><\/p>

    5.4 Consequences of Exclusivity Violations<\/span><\/h3>

    Immediate Termination<\/b>: Any violation of exclusivity obligations constitutes a material breach of these Terms, entitling the Company to immediate termination of the partnership without notice or opportunity to cure.<\/span><\/p>

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    Commission Forfeiture<\/b>: Partners who violate exclusivity obligations forfeit all rights to pending commissions and may be required to repay previously received commissions as detailed in Section 9.<\/span><\/p>

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    Legal Remedies<\/b>: The Company reserves the right to pursue all available legal remedies for exclusivity violations, including but not limited to injunctive relief, damages, and recovery of costs and attorney fees.<\/span><\/p>

    6. COMMISSION STRUCTURE AND PAYMENT TERMS<\/span><\/h2>

    6.1 Commission Entitlement<\/span><\/h3>

    Commission Basis<\/b>: Partners may be entitled to commission payments based on successful transactions and policy activations by referred clients, subject to the specific terms and conditions that may be established by the Company from time to time.<\/span><\/p>

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    Commission Eligibility<\/b>: Commission payments, if any, are only due for transactions that: (a) are successfully completed by clients referred by the Partner; (b) meet all Company requirements and criteria; (c) result from transactions where the Partner fulfilled all obligations under these Terms; and (d) comply with all applicable laws and regulations.<\/span><\/p>

    6.2 Payment Terms and Conditions<\/span><\/h3>

    \u4ed8\u6b3e\u6761\u4ef6<\/b>: The Company reserves the right to establish specific commission rates, calculation methods, payment schedules, cooling periods, and other payment terms at its sole discretion. Such terms may be communicated through separate commission schedules, partner agreements, or other documentation.<\/span><\/p>

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    Payment Processing<\/b>: Commission payments, if applicable, will be processed according to the Company’s established procedures and timelines, subject to verification of transaction completion, policy status, compliance with Terms, and completion of necessary administrative procedures.<\/span><\/p>

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    Payment Methods<\/b>: Commission payments, when made, will be processed via methods determined by the Company. Partners are responsible for providing accurate payment information and maintaining valid account details.<\/span><\/p>

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    Documentation and Reporting<\/b>: The Company may provide commission statements and reporting as deemed appropriate, showing applicable calculation methods, transaction details, and payment amounts.<\/span><\/p>

    6.3 Commission Clawback and Recovery<\/span><\/h3>

    Policy Termination Clawback<\/b>: In the event that any insurance policy or financial product for which commission has been paid to a Partner is subsequently cancelled, terminated, lapsed, or becomes void for any reason, the Company reserves the right to recover the full amount of commission previously paid to the Partner relating to such policy or product.<\/span><\/p>

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    Clawback Circumstances<\/b>: Commission clawback may occur in the following situations:<\/span><\/p>

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    • Client cancellation of insurance policies within or after any cooling-off period<\/span><\/li>
    • Policy lapse due to non-payment of premiums by the client<\/span><\/li>
    • Policy termination by the insurance company for any reason<\/span><\/li>
    • Fraudulent applications or misrepresentation by clients<\/span><\/li>
    • Refund or chargeback requests from insurance companies or financial institutions<\/span><\/li>
    • Any other circumstances resulting in commission reversal or chargeback to the Company<\/span><\/li><\/ul>

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      Recovery Process<\/b>: Upon occurrence of any clawback event, the Company will:<\/span><\/p>

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      • Notify the Partner of the clawback requirement within reasonable time<\/span><\/li>
      • Calculate the exact amount to be recovered based on the original commission paid<\/span><\/li>
      • Deduct the clawback amount from future commission payments to the Partner<\/span><\/li>
      • If insufficient future commissions exist, invoice the Partner for the outstanding amount<\/span><\/li>
      • Pursue collection through legal means if necessary<\/span><\/li><\/ul>

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        Partner Liability<\/b>: Partners acknowledge and agree that:<\/span><\/p>

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        • They remain liable for commission clawbacks regardless of the reason for policy termination<\/span><\/li>
        • Clawback liability exists even if the Partner had no control over the client’s decision to terminate<\/span><\/li>
        • The Company’s right to recover commissions is absolute and not subject to Partner dispute<\/span><\/li>
        • Partners must maintain sufficient reserves to cover potential clawback obligations<\/span><\/li><\/ul>

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          Set-off Rights<\/b>: The Company may set off any clawback amounts against:<\/span><\/p>

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          • Future commission payments due to the Partner<\/span><\/li>
          • Any other amounts owed to the Partner by the Company<\/span><\/li>
          • Security deposits or reserves held by the Company (if applicable)<\/span><\/li><\/ul>

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            No Limitation Period<\/b>: The Company’s right to recover clawback commissions shall not be subject to any limitation period and may be exercised at any time after the occurrence of a clawback event.<\/span><\/p>

            7. PARTNER OBLIGATIONS AND RESPONSIBILITIES<\/span><\/h2>

            7.1 Professional Standards<\/span><\/h3>

            Maintenance of Professional Licenses<\/b>: Partners must maintain all required professional licenses, certifications, and registrations in good standing throughout the partnership term. Any suspension, revocation, or adverse action affecting professional status must be immediately reported to the Company.<\/span><\/p>

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            Ethical Conduct<\/b>: Partners must conduct all business activities in accordance with applicable professional codes of ethics, industry standards, and legal requirements. This includes honest dealing with clients, accurate representation of services, and compliance with all regulatory obligations.<\/span><\/p>

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            Quality Service Delivery<\/b>: Partners must provide professional, courteous, and competent service to all clients referred through our platform. This includes timely communication, accurate information provision, and diligent follow-up on all transactions.<\/span><\/p>

            7.2 Client Referral Obligations<\/span><\/h3>

            Accurate Client Information<\/b>: Partners must provide complete, accurate, and up-to-date client information when making referrals. This includes property details, financial information, contact details, and any relevant circumstances affecting the transaction.<\/span><\/p>

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            Client Consent and Authorization<\/b>: Partners must obtain proper client consent and authorization before referring clients to the Company. This includes ensuring clients understand the nature of our services and the commission-sharing arrangement.<\/span><\/p>

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            Ongoing Client Support<\/b>: Partners must provide ongoing support and assistance to referred clients throughout the loan and insurance process, maintaining professional relationships and facilitating smooth transactions.<\/span><\/p>

            7.3 Confidentiality and Information Security<\/span><\/h3>

            Protection of Confidential Information<\/b>: Partners must maintain strict confidentiality regarding all Confidential Information received from the Company, including but not limited to business processes, commission structures, client information, and proprietary methodologies.<\/span><\/p>

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            Data Protection Compliance<\/b>: Partners must comply with all applicable data protection laws and regulations, including the Personal Data Protection Act 2010, when handling client information and Company data.<\/span><\/p>

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            Information Security Measures<\/b>: Partners must implement appropriate security measures to protect confidential information from unauthorized access, disclosure, or misuse.<\/span><\/p>

            8. PROHIBITED ACTIVITIES AND RULE VIOLATIONS<\/span><\/h2>

            8.1 Strictly Prohibited Activities<\/span><\/h3>

            Partners are strictly prohibited from engaging in any of the following activities, which constitute material breaches of these Terms:<\/span><\/p>

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            Competing Platform Engagement<\/b>: As detailed in Section 5, any form of engagement with Competing Platforms is absolutely prohibited and constitutes a fundamental breach of the exclusivity obligation.<\/span><\/p>

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            Misrepresentation of Services<\/b>: Partners must not misrepresent the Company’s services, commission structures, or business model to clients or third parties. All communications must be accurate and consistent with Company-approved materials.<\/span><\/p>

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            Unauthorized Use of Company Materials<\/b>: Partners may not use Company trademarks, logos, marketing materials, or proprietary information without express written authorization. Any approved materials must be used strictly in accordance with Company guidelines.<\/span><\/p>

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            Client Poaching or Diversion<\/b>: Partners must not attempt to divert clients away from the Company’s services or encourage clients to seek alternative providers for loan processing or insurance services.<\/span><\/p>

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            Fraudulent Activities<\/b>: Any fraudulent, deceptive, or illegal activities in connection with the partnership are strictly prohibited and will result in immediate termination and potential legal action.<\/span><\/p>

            8.2 Breach Determination and Notice<\/span><\/h3>

            Company’s Right to Determine Breach<\/b>: The Company has the sole discretion to determine whether a Partner’s actions constitute a Rule Violation or breach of these Terms. Such determinations are based on available evidence and reasonable business judgment.<\/span><\/p>

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            Notice of Breach<\/b>: Upon determining that a breach has occurred, the Company may, but is not obligated to, provide written notice to the Partner specifying the nature of the breach and any required corrective actions.<\/span><\/p>

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            Opportunity to Cure<\/b>: For certain non-material breaches, the Company may, at its sole discretion, provide Partners with an opportunity to cure the breach within a specified timeframe. However, material breaches, including exclusivity violations, are not subject to cure periods.<\/span><\/p>

            9. COMMISSION FORFEITURE PROVISIONS<\/span><\/h2>

            9.1 Legal Basis for Commission Forfeiture<\/span><\/h3>

            Contractual Foundation<\/b>: Commission forfeiture provisions are established as liquidated damages clauses under Section 75 of the Contracts Act 1950, representing reasonable compensation for losses suffered by the Company due to Partner breaches. These provisions are not penalties but rather pre-agreed compensation reflecting the genuine commercial impact of Rule Violations.<\/span><\/p>

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            Legitimate Business Interests<\/b>: The Company has legitimate business interests justifying commission forfeiture, including: (a) protection of proprietary business model and competitive advantages; (b) maintenance of service quality and professional standards; (c) preservation of client relationships and trust; (d) recovery of investments in Partner training and support; and (e) deterrence of conduct harmful to business operations.<\/span><\/p>

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            Proportionality Assessment<\/b>: Commission forfeiture amounts are proportionate to the potential losses and damages that may result from Partner breaches, considering factors such as lost business opportunities, reputational damage, competitive harm, and administrative costs.<\/span><\/p>

            9.2 Circumstances Triggering Commission Forfeiture<\/span><\/h3>

            Exclusivity Violations<\/b>: Any breach of exclusivity obligations as defined in Section 5 results in immediate forfeiture of all pending commissions and may require repayment of previously received commissions for such period as determined by the Company.<\/span><\/p>

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            Material Breaches<\/b>: Material breaches of these Terms, including but not limited to fraudulent activities, misrepresentation of services, unauthorized use of Company materials, or client diversion attempts, trigger commission forfeiture for all affected transactions.<\/span><\/p>

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            Professional Misconduct<\/b>: Loss of professional licenses, regulatory violations, or conduct bringing the Company into disrepute results in commission forfeiture for all pending transactions and potential clawback of recent payments.<\/span><\/p>

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            Failure to Maintain Standards<\/b>: Persistent failure to maintain professional standards, provide adequate client service, or comply with partnership obligations may result in commission forfeiture at the Company’s discretion.<\/span><\/p>

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            Policy Termination Events<\/b>: Commission forfeiture may also occur due to policy termination clawback events as detailed in Section 6.3, including client cancellations, policy lapses, or insurance company chargebacks.<\/span><\/p>

            9.3 Forfeiture Process and Calculation<\/span><\/h3>

            Immediate Effect<\/b>: Commission forfeiture takes immediate effect upon determination of a qualifying breach. Partners lose all rights to pending commissions from the date of breach determination.<\/span><\/p>

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            Calculation Method<\/b>: Forfeited commissions include: (a) all unpaid commissions for transactions in progress; (b) commissions for policies or transactions within any applicable waiting periods; (c) for serious violations, potential clawback of commissions paid within such period as determined by the Company based on the nature and severity of the breach; and (d) any clawback amounts due to policy terminations or insurance company chargebacks.<\/span><\/p>

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            Administrative Processing<\/b>: The Company processes commission forfeitures through adjustment of Partner accounts, withholding of pending payments, and where applicable, invoicing for clawback amounts. Partners receive detailed statements showing forfeiture calculations.<\/span><\/p>

            9.4 Legal Enforceability and Reasonableness<\/span><\/h3>

            Compliance with Malaysian Law<\/b>: These commission forfeiture provisions comply with Section 75 of the Contracts Act 1950 and established Malaysian case law principles. The provisions represent genuine pre-estimates of loss rather than penalties, ensuring legal enforceability.<\/span><\/p>

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            Reasonableness Standard<\/b>: Commission forfeiture amounts are reasonable considering: (a) the unique nature of our commission-sharing model; (b) the substantial benefits provided to Partners; (c) the competitive advantages protected by these provisions; and (d) the proportionate relationship between forfeited amounts and potential Company losses.<\/span><\/p>

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            Burden of Proof<\/b>: Following Company determination of breach and commission forfeiture, the burden shifts to Partners to demonstrate that forfeiture amounts are excessive or unreasonable, consistent with established Malaysian legal precedents.<\/span><\/p>

            9.5 Additional Remedies<\/span><\/h3>

            Preservation of Other Rights<\/b>: Commission forfeiture does not limit the Company’s right to pursue additional remedies, including termination of partnership, injunctive relief, damages beyond forfeited commissions, and recovery of legal costs.<\/span><\/p>

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            Set-off Rights<\/b>: The Company may set off forfeited commission amounts against any sums owed to Partners, including expense reimbursements, bonuses, or other payments.<\/span><\/p>

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            Collection Procedures<\/b>: For clawback amounts exceeding available set-offs, the Company may pursue collection through standard commercial procedures, including legal action if necessary.<\/span><\/p>

            10. TERMINATION AND SUSPENSION<\/span><\/h2>

            10.1 Termination by Company<\/span><\/h3>

            Termination for Cause<\/b>: The Company may terminate this agreement immediately without notice upon occurrence of any of the following events: (a) material breach of these Terms, including exclusivity violations; (b) Rule Violations as defined in Section 8; (c) loss of professional licenses or regulatory standing; (d) fraudulent or illegal activities; (e) conduct detrimental to Company reputation or business interests; or (f) failure to maintain eligibility requirements.<\/span><\/p>

            \u00a0<\/h2>

            Termination for Convenience<\/b>: The Company may terminate this agreement at any time with thirty (30) days written notice to Partners, without cause and without liability for future commissions or other compensation.<\/span><\/p>

            \u00a0<\/h2>

            Immediate Effect<\/b>: Upon termination for cause, all Partner rights and privileges cease immediately, including access to Company systems, materials, and commission entitlements. Commission forfeiture provisions apply as detailed in Section 9.<\/span><\/p>

            10.2 Termination by Partner<\/span><\/h3>

            Notice Requirement<\/b>: Partners may terminate this agreement by providing sixty (60) days written notice to the Company. Such termination does not relieve Partners of obligations incurred prior to the effective termination date.<\/span><\/p>

            \u00a0<\/h2>

            Post-Termination Obligations<\/b>: Following termination by Partner, exclusivity obligations continue for such period as may be specified by the Company, and confidentiality obligations remain in effect indefinitely. All Company materials must be returned immediately.<\/span><\/p>

            10.3 Suspension Rights<\/span><\/h3>

            Temporary Suspension<\/b>: The Company may suspend Partner access to services and systems pending investigation of potential breaches, regulatory issues, or other matters affecting partnership suitability. Suspension does not constitute termination but may precede such action.<\/span><\/p>

            \u00a0<\/h2>

            Reinstatement Conditions<\/b>: Suspended Partners may be reinstated upon resolution of underlying issues and Company satisfaction that continued partnership is appropriate.<\/span><\/p>

            11. INTELLECTUAL PROPERTY RIGHTS<\/span><\/h2>

            11.1 Company Intellectual Property<\/span><\/h3>

            Ownership Rights<\/b>: All intellectual property rights in the Partnership Platform, business processes, methodologies, systems, software, trademarks, trade names, logos, and proprietary information remain exclusively owned by the Company.<\/span><\/p>

            \u00a0<\/h2>

            Limited License<\/b>: Partners receive a limited, non-exclusive, non-transferable license to use Company-approved materials solely for authorized partnership activities during the agreement term.<\/span><\/p>

            \u00a0<\/h2>

            Restrictions<\/b>: Partners may not modify, reproduce, distribute, or create derivative works from Company intellectual property without express written authorization.<\/span><\/p>

            11.2 Partner-Generated Content<\/span><\/h3>

            Ownership of Partner Materials<\/b>: Partners retain ownership of their pre-existing intellectual property and materials created independently of the partnership.<\/span><\/p>

            \u00a0<\/h2>

            License to Company<\/b>: Partners grant the Company a non-exclusive license to use Partner-provided materials, testimonials, and success stories for marketing and promotional purposes.<\/span><\/p>

            12. CONFIDENTIALITY AND DATA PROTECTION<\/span><\/h2>

            12.1 Confidentiality Obligations<\/span><\/h3>

            Scope of Confidential Information<\/b>: Partners acknowledge receiving Confidential Information including business strategies, commission structures, client lists, proprietary processes, financial information, and other non-public information.<\/span><\/p>

            \u00a0<\/h2>

            Non-Disclosure<\/b>: Partners must maintain strict confidentiality and not disclose Confidential Information to third parties without Company consent. This obligation survives termination of the agreement indefinitely.<\/span><\/p>

            \u00a0<\/h2>

            Use Restrictions<\/b>: Confidential Information may only be used for authorized partnership activities and must not be used for competitive purposes or personal benefit.<\/span><\/p>

            12.2 Data Protection Compliance<\/span><\/h3>

            Personal Data Protection<\/b>: Both parties must comply with the Personal Data Protection Act 2010 and other applicable data protection laws when handling personal information.<\/span><\/p>

            \u00a0<\/h2>

            Security Measures<\/b>: Partners must implement appropriate technical and organizational measures to protect personal data and Company information from unauthorized access, disclosure, or misuse.<\/span><\/p>

            13. LIMITATION OF LIABILITY<\/span><\/h2>

            13.1 Liability Limitations<\/span><\/h3>

            Exclusion of Consequential Damages<\/b>: To the maximum extent permitted by law, neither party shall be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, business interruption, or loss of business opportunities.<\/span><\/p>

            \u00a0<\/h2>

            Limitation of Direct Damages<\/b>: The Company’s total liability to Partners for any claims arising under these Terms shall not exceed the total commissions paid to such Partner in the twelve (12) months preceding the claim.<\/span><\/p>

            13.2 Indemnification<\/span><\/h3>

            Partner Indemnification<\/b>: Partners agree to indemnify and hold harmless the Company from any claims, damages, losses, or expenses arising from: (a) Partner breach of these Terms; (b) Partner negligence or misconduct; (c) violations of applicable laws; or (d) third-party claims related to Partner activities.<\/span><\/p>

            14. DISPUTE RESOLUTION<\/span><\/h2>

            14.1 Negotiation Requirement<\/span><\/h3>

            Good Faith Negotiations<\/b>: Before initiating formal proceedings, parties must attempt to resolve disputes through good faith negotiations for a period of thirty (30) days following written notice of the dispute.<\/span><\/p>

            14.2 Mediation and Arbitration<\/span><\/h3>

            Mediation<\/b>: If negotiations fail, parties may agree to submit disputes to mediation through the Malaysian Mediation Centre or other mutually acceptable mediator.<\/span><\/p>

            \u00a0<\/h2>

            Arbitration Option<\/b>: For disputes exceeding RM100,000, parties may agree to binding arbitration under the Arbitration Act 2005 and rules of the Asian International Arbitration Centre.<\/span><\/p>

            14.3 Court Proceedings<\/span><\/h3>

            Jurisdiction<\/b>: Subject to any arbitration agreement, all disputes shall be resolved exclusively in the courts of Malaysia, and parties consent to the jurisdiction of such courts.<\/span><\/p>

            \u00a0<\/h2>

            Applicable Law<\/b>: Disputes shall be governed by Malaysian law without regard to conflict of law principles.<\/span><\/p>

            15. GOVERNING LAW AND JURISDICTION<\/span><\/h2>

            15.1 Governing Law<\/span><\/h3>

            These Terms and the partnership relationship are governed by and construed in accordance with the laws of Malaysia, including but not limited to the Contracts Act 1950, Companies Act 2016, and other applicable Malaysian legislation.<\/span><\/p>

            15.2 Jurisdiction and Venue<\/span><\/h3>

            Exclusive Jurisdiction<\/b>: The courts of Malaysia shall have exclusive jurisdiction over all disputes arising under these Terms, and parties irrevocably submit to such jurisdiction.<\/span><\/p>

            \u00a0<\/h2>

            Venue<\/b>: Any court proceedings shall be commenced in Kuala Lumpur, Malaysia, unless otherwise agreed by the parties.<\/span><\/p>

            16. GENERAL PROVISIONS<\/span><\/h2>

            16.1 Entire Agreement<\/span><\/h3>

            These Terms constitute the entire agreement between the parties and supersede all prior negotiations, representations, or agreements relating to the subject matter hereof.<\/span><\/p>

            16.2 Amendment<\/span><\/h3>

            These Terms may only be amended by written agreement signed by authorized representatives of both parties, except for Company amendments as provided in Section 1.4.<\/span><\/p>

            16.3 Severability<\/span><\/h3>

            If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable.<\/span><\/p>

            16.4 Waiver<\/span><\/h3>

            No waiver of any provision or breach shall be effective unless in writing and signed by the waiving party. No waiver shall constitute a continuing waiver or waiver of any other provision.<\/span><\/p>

            16.5 Assignment<\/span><\/h3>

            Partners may not assign or transfer their rights or obligations under these Terms without Company consent. The Company may assign these Terms without restriction.<\/span><\/p>

            16.6 Notices<\/span><\/h3>

            All notices must be in writing and delivered to the addresses specified in the partnership registration or such other addresses as may be designated by written notice.<\/span><\/p>

            16.7 Force Majeure<\/span><\/h3>

            Neither party shall be liable for delays or failures in performance due to circumstances beyond their reasonable control, including acts of God, government actions, or other force majeure events.<\/span><\/p>

            16.8 Survival<\/span><\/h3>

            Provisions relating to confidentiality, intellectual property, limitation of liability, indemnification, and dispute resolution shall survive termination of these Terms.<\/span><\/p>

            \u00a0<\/h2>

            ACKNOWLEDGMENT<\/b><\/p>

            \u00a0<\/h2>

            By registering as a Partner or using Company services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety.<\/span><\/p>

            \u00a0<\/h2>

            Document Version<\/b>: 1.0<\/span>
            <\/span>Effective Date<\/b>: 26\/8\/2025<\/span>
            <\/span>Company<\/b>: Wall Street Group Sdn Bhd<\/span>
            <\/span>Registration<\/b>: 201501027939<\/span><\/p>


            <\/span>Effective Date<\/b>: 26\/8\/2025<\/span>
            <\/span>Last Updated<\/b>: 26\/8\/2025<\/span><\/p>

            \u00a0<\/h2>

            This document has been prepared in accordance with Malaysian law and legal requirements. Partners are advised to seek independent legal counsel if they have questions regarding these Terms and Conditions.<\/span><\/i><\/p>

            \u00a0<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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            PRIVACY POLICY<\/span><\/h1>

            Wall Street Group Sdn Bhd<\/span><\/h2>

            Effective Date<\/b>: 26\/8\/2025<\/span>
            <\/span>Last Updated<\/b>:26\/8\/2025<\/span>
            <\/span>Version<\/b>: 1.0<\/span><\/p>

            1. INTRODUCTION<\/span><\/h2>

            Wall Street Group Sdn Bhd (“<\/span>Company<\/b>“, “<\/span>we<\/b>“, “<\/span>us<\/b>“, or “<\/span>our<\/b>“) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or engage with our partnership platform.<\/span><\/p>

            This Privacy Policy is prepared in compliance with the Personal Data Protection Act 2010 (“<\/span>PDPA<\/b>“) of Malaysia and other applicable privacy laws. By using our services or providing us with your personal information, you consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Policy.<\/span><\/p>

            2. INFORMATION WE COLLECT<\/span><\/h2>

            2.1 Personal Information<\/span><\/h3>

            We may collect the following types of personal information:<\/span><\/p>

            Contact Information<\/b>:<\/span><\/p>

            • Full name<\/span><\/li>
            • Email address<\/span><\/li>
            • Phone number<\/span><\/li>
            • Mailing address<\/span><\/li>
            • Business address<\/span><\/li><\/ul>

              Professional Information<\/b>:<\/span><\/p>

              • Professional license numbers<\/span><\/li>
              • Certification details<\/span><\/li>
              • Company\/agency affiliation<\/span><\/li>
              • Years of experience<\/span><\/li>
              • Areas of specialization<\/span><\/li><\/ul>

                Financial Information<\/b>:<\/span><\/p>

                • Bank account details (for commission payments)<\/span><\/li>
                • Tax identification numbers<\/span><\/li>
                • Financial transaction records<\/span><\/li>
                • Commission payment history<\/span><\/li><\/ul>

                  Client Information<\/b> (when you refer clients):<\/span><\/p>

                  • Client contact details<\/span><\/li>
                  • Property transaction information<\/span><\/li>
                  • Loan application details<\/span><\/li>
                  • Insurance policy information<\/span><\/li><\/ul>

                    Technical Information<\/b>:<\/span><\/p>

                    • IP address<\/span><\/li>
                    • Browser type and version<\/span><\/li>
                    • Device information<\/span><\/li>
                    • Usage data and analytics<\/span><\/li>
                    • Cookies and similar technologies<\/span><\/li><\/ul>

                      2.2 Sensitive Personal Data<\/span><\/h3>

                      We may collect sensitive personal data including:<\/span><\/p>

                      • Financial information<\/span><\/li>
                      • Information about property transactions<\/span><\/li>
                      • Insurance-related data<\/span><\/li><\/ul>

                        We only collect sensitive personal data with your explicit consent and for specific legitimate business purposes.<\/span><\/p>

                        3. HOW WE COLLECT INFORMATION<\/span><\/h2>

                        We collect personal information through:<\/span><\/p>

                        • Direct Collection<\/b>: When you register for our services, complete forms, or communicate with us<\/span><\/li>
                        • Website Interactions<\/b>: Through cookies, analytics, and tracking technologies<\/span><\/li>
                        • Business Transactions<\/b>: During loan processing and insurance applications<\/span><\/li>
                        • Third Parties<\/b>: From partner banks, insurance companies, and other business partners (with appropriate consent)<\/span><\/li>
                        • Public Sources<\/b>: Publicly available professional directories and databases<\/span><\/li><\/ul>

                          4. PURPOSES OF DATA PROCESSING<\/span><\/h2>

                          We process your personal information for the following purposes:<\/span><\/p>

                          4.1 Primary Purposes<\/span><\/h3>

                          Partnership Management<\/b>:<\/span><\/p>

                          • Processing partnership applications<\/span><\/li>
                          • Managing partner accounts and relationships<\/span><\/li>
                          • Providing access to our platform and services<\/span><\/li>
                          • Communicating partnership updates and information<\/span><\/li><\/ul>

                            Service Delivery<\/b>:<\/span><\/p>

                            • Processing loan applications for referred clients<\/span><\/li>
                            • Facilitating insurance policy applications<\/span><\/li>
                            • Coordinating with partner banks and insurance companies<\/span><\/li>
                            • Managing commission calculations and payments<\/span><\/li><\/ul>

                              Legal and Regulatory Compliance<\/b>:<\/span><\/p>

                              • Complying with PDPA and other applicable laws<\/span><\/li>
                              • Meeting regulatory reporting requirements<\/span><\/li>
                              • Conducting know-your-customer (KYC) procedures<\/span><\/li>
                              • Maintaining records as required by law<\/span><\/li><\/ul>

                                4.2 Secondary Purposes<\/span><\/h3>

                                Business Operations<\/b>:<\/span><\/p>

                                • Improving our services and platform<\/span><\/li>
                                • Conducting market research and analysis<\/span><\/li>
                                • Developing new products and services<\/span><\/li>
                                • Managing business relationships<\/span><\/li><\/ul>

                                  Marketing and Communications<\/b>:<\/span><\/p>

                                  • Sending promotional materials and updates<\/span><\/li>
                                  • Conducting surveys and feedback collection<\/span><\/li>
                                  • Organizing events and training programs<\/span><\/li>
                                  • Building customer testimonials and case studies<\/span><\/li><\/ul>

                                    Security and Fraud Prevention<\/b>:<\/span><\/p>

                                    • Protecting against fraud and unauthorized access<\/span><\/li>
                                    • Monitoring system security and performance<\/span><\/li>
                                    • Investigating suspicious activities<\/span><\/li>
                                    • Maintaining data integrity and accuracy<\/span><\/li><\/ul>

                                      5. DISCLOSURE OF PERSONAL INFORMATION<\/span><\/h2>

                                      We may disclose your personal information to:<\/span><\/p>

                                      5.1 Internal Parties<\/span><\/h3>
                                      • Our employees and authorized personnel<\/span><\/li>
                                      • Management and directors<\/span><\/li>
                                      • Internal audit and compliance teams<\/span><\/li><\/ul>

                                        5.2 External Parties<\/span><\/h3>

                                        Business Partners<\/b>:<\/span><\/p>

                                        • Partner banks and financial institutions<\/span><\/li>
                                        • Insurance companies and underwriters<\/span><\/li>
                                        • Property developers and real estate agencies<\/span><\/li>
                                        • Professional service providers<\/span><\/li><\/ul>

                                          Service Providers<\/b>:<\/span><\/p>

                                          • IT service providers and system administrators<\/span><\/li>
                                          • Payment processing companies<\/span><\/li>
                                          • Marketing and communications agencies<\/span><\/li>
                                          • Legal and professional advisors<\/span><\/li><\/ul>

                                            Regulatory Authorities<\/b>:<\/span><\/p>

                                            • Personal Data Protection Commissioner<\/span><\/li>
                                            • Bank Negara Malaysia<\/span><\/li>
                                            • Other regulatory bodies as required by law<\/span><\/li>
                                            • Law enforcement agencies (when legally required)<\/span><\/li><\/ul>

                                              Other Parties<\/b>:<\/span><\/p>

                                              • Potential buyers or investors (in case of business transfer)<\/span><\/li>
                                              • Courts and tribunals (when legally compelled)<\/span><\/li>
                                              • Emergency contacts (in case of emergencies)<\/span><\/li><\/ul>

                                                5.3 Conditions for Disclosure<\/span><\/h3>

                                                We only disclose personal information:<\/span><\/p>

                                                • With your explicit consent<\/span><\/li>
                                                • For the purposes stated in this Privacy Policy<\/span><\/li>
                                                • When required by law or legal process<\/span><\/li>
                                                • To protect our legitimate business interests<\/span><\/li>
                                                • In emergency situations to protect safety<\/span><\/li><\/ul>

                                                  6. DATA RETENTION<\/span><\/h2>

                                                  We retain your personal information for as long as necessary to:<\/span><\/p>

                                                  • Fulfill the purposes for which it was collected<\/span><\/li>
                                                  • Comply with legal and regulatory requirements<\/span><\/li>
                                                  • Resolve disputes and enforce agreements<\/span><\/li>
                                                  • Maintain business records and relationships<\/span><\/li><\/ul>

                                                    Specific Retention Periods<\/b>:<\/span><\/p>

                                                    • Partnership records: Duration of partnership plus 7 years<\/span><\/li>
                                                    • Financial records: 7 years after last transaction<\/span><\/li>
                                                    • Communication records: 3 years from last contact<\/span><\/li>
                                                    • Marketing data: Until consent is withdrawn<\/span><\/li>
                                                    • Legal documents: As required by applicable law<\/span><\/li><\/ul>

                                                      When personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policy.<\/span><\/p>

                                                      7. DATA SECURITY<\/span><\/h2>

                                                      We implement appropriate technical and organizational measures to protect your personal information against:<\/span><\/p>

                                                      • Unauthorized access, use, or disclosure<\/span><\/li>
                                                      • Accidental loss, destruction, or damage<\/span><\/li>
                                                      • Unlawful processing or transfer<\/span><\/li><\/ul>

                                                        Security Measures Include<\/b>:<\/span><\/p>

                                                        • Encryption of sensitive data<\/span><\/li>
                                                        • Access controls and authentication systems<\/span><\/li>
                                                        • Regular security assessments and updates<\/span><\/li>
                                                        • Employee training on data protection<\/span><\/li>
                                                        • Secure data storage and transmission protocols<\/span><\/li>
                                                        • Incident response and breach notification procedures<\/span><\/li><\/ul>

                                                          8. YOUR RIGHTS UNDER PDPA<\/span><\/h2>

                                                          Under the PDPA, you have the following rights:<\/span><\/p>

                                                          8.1 Right of Access<\/span><\/h3>

                                                          You may request access to your personal information we hold, including:<\/span><\/p>

                                                          • Confirmation of whether we process your personal data<\/span><\/li>
                                                          • Details of the personal data we hold<\/span><\/li>
                                                          • Purposes of processing<\/span><\/li>
                                                          • Classes of third parties to whom data may be disclosed<\/span><\/li><\/ul>

                                                            8.2 Right of Correction<\/span><\/h3>

                                                            You may request correction of inaccurate or incomplete personal information.<\/span><\/p>

                                                            8.3 Right to Withdraw Consent<\/span><\/h3>

                                                            You may withdraw your consent for processing at any time, subject to legal and contractual restrictions.<\/span><\/p>

                                                            8.4 Right to Prevent Processing<\/span><\/h3>

                                                            You may request that we cease processing your personal information for direct marketing purposes.<\/span><\/p>

                                                            8.5 Right to Data Portability<\/span><\/h3>

                                                            You may request transfer of your personal data to another organization in certain circumstances.<\/span><\/p>

                                                            9. COOKIES AND TRACKING TECHNOLOGIES<\/span><\/h2>

                                                            Our website uses cookies and similar technologies to:<\/span><\/p>

                                                            • Enhance user experience and website functionality<\/span><\/li>
                                                            • Analyze website usage and performance<\/span><\/li>
                                                            • Provide personalized content and advertisements<\/span><\/li>
                                                            • Remember your preferences and settings<\/span><\/li><\/ul>

                                                              You can control cookies through your browser settings, but disabling cookies may affect website functionality.<\/span><\/p>

                                                              10. INTERNATIONAL DATA TRANSFERS<\/span><\/h2>

                                                              We may transfer your personal information outside Malaysia to:<\/span><\/p>

                                                              • Our overseas business partners<\/span><\/li>
                                                              • International service providers<\/span><\/li>
                                                              • Cloud storage and computing services<\/span><\/li><\/ul>

                                                                When transferring data internationally, we ensure adequate protection through:<\/span><\/p>

                                                                • Contractual safeguards and data transfer agreements<\/span><\/li>
                                                                • Compliance with applicable data protection laws<\/span><\/li>
                                                                • Implementation of appropriate security measures<\/span><\/li><\/ul>

                                                                  11. CHILDREN’S PRIVACY<\/span><\/h2>

                                                                  Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information promptly.<\/span><\/p>

                                                                  12. CHANGES TO THIS PRIVACY POLICY<\/span><\/h2>

                                                                  We may update this Privacy Policy from time to time to reflect:<\/span><\/p>

                                                                  • Changes in our business practices<\/span><\/li>
                                                                  • Updates to applicable laws and regulations<\/span><\/li>
                                                                  • Improvements to our privacy and security measures<\/span><\/li><\/ul>

                                                                    We will notify you of material changes through:<\/span><\/p>

                                                                    • Email notifications to registered users<\/span><\/li>
                                                                    • Prominent notices on our website<\/span><\/li>
                                                                    • Direct communication for significant changes<\/span><\/li><\/ul>

                                                                      Your continued use of our services after changes take effect constitutes acceptance of the updated Privacy Policy.<\/span><\/p>

                                                                      13. CONTACT INFORMATION<\/span><\/h2>

                                                                      If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:<\/span><\/p>

                                                                      Wall Street Group Sdn Bhd<\/b>
                                                                      <\/span>Level 5, Tower B, PJ City Development, 15A,\u00a0<\/span><\/p>

                                                                      Jalan 51a\/219, Seksyen 51a,\u00a0<\/span><\/p>

                                                                      46100 Petaling Jaya, Selangor.<\/span>
                                                                      <\/span>Malaysia<\/span><\/p>

                                                                      Phone<\/b>: 012 710 9315<\/span>
                                                                      <\/span>Website<\/b>: wallstreetsgroup.com<\/span><\/p>

                                                                      14. COMPLAINTS<\/span><\/h2>

                                                                      If you believe we have not handled your personal information in accordance with this Privacy Policy or applicable law, you may:<\/span><\/p>

                                                                      1. Contact us directly using the information above<\/span><\/li>
                                                                      2. File a complaint with the Personal Data Protection Commissioner:<\/span>
                                                                        • Website: <\/span>www.pdp.gov.my<\/span><\/li>
                                                                        • Email: <\/span>aduan@pdp.gov.my<\/span><\/li>
                                                                        • Phone: 03-8911 5000<\/span><\/li><\/ul><\/li><\/ol>

                                                                          15. LANGUAGE<\/span><\/h2>

                                                                          This Privacy Policy is prepared in English. In case of any inconsistency between the English version and any translation, the English version shall prevail.<\/span><\/p>

                                                                          ACKNOWLEDGMENT<\/b><\/p>

                                                                          By using our services or providing us with your personal information, you acknowledge that you have read, understood, and agree to this Privacy Policy.<\/span><\/p>

                                                                          Company<\/b>: Wall Street Group Sdn Bhd<\/span>
                                                                          <\/span>Registration<\/b>: 201501027939<\/span>
                                                                          <\/span>26\/8\/2025<\/span><\/p>

                                                                          This Privacy Policy complies with the Personal Data Protection Act 2010 of Malaysia and other applicable privacy laws. For the most current version, please visit our website.<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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                                                                          PDPA CONSENT CLAUSES<\/span><\/h1>\n

                                                                          Wall Street Group Sdn Bhd<\/span><\/h2>\n

                                                                          Effective Date<\/b>: 26\/8\/2025<\/span>
                                                                          <\/span>Last Updated<\/b>: 26\/8\/2025<\/span>
                                                                          <\/span>Version<\/b>: 1.0<\/span><\/p>\n

                                                                           <\/span><\/p>\n

                                                                          PERSONAL DATA PROTECTION ACT (PDPA) CONSENT<\/span><\/h2>\n

                                                                          By checking this box and proceeding with registration or use of Wall Street Group Sdn Bhd’s services, I hereby provide my <\/span>explicit and informed consent<\/b> for the collection, use, processing, and disclosure of my personal data in accordance with the Personal Data Protection Act 2010 of Malaysia.<\/span><\/p>\n

                                                                           <\/span><\/p>\n

                                                                          1. CONSENT TO DATA COLLECTION<\/span><\/h3>\n

                                                                          I consent to Wall Street Group Sdn Bhd (“<\/span>the Company<\/b>“) collecting the following categories of personal data:<\/span><\/p>\n

                                                                          Contact and Identity Information<\/b>:<\/span><\/p>\n

                                                                            \n
                                                                          • Full name, identification numbers, contact details (phone, email, address)<\/span><\/li>\n
                                                                          • Professional licenses and certifications<\/span><\/li>\n
                                                                          • Employment and business information<\/span><\/li>\n<\/ul>\n

                                                                            Financial Information<\/b>:<\/span><\/p>\n

                                                                              \n
                                                                            • Bank account details for commission payments<\/span><\/li>\n
                                                                            • Tax identification numbers<\/span><\/li>\n
                                                                            • Financial transaction records and commission history<\/span><\/li>\n<\/ul>\n

                                                                              Business and Client Information<\/b>:<\/span><\/p>\n

                                                                                \n
                                                                              • Client referral details and transaction information<\/span><\/li>\n
                                                                              • Property and loan application data<\/span><\/li>\n
                                                                              • Insurance policy information and applications<\/span><\/li>\n<\/ul>\n

                                                                                Technical and Usage Data<\/b>:<\/span><\/p>\n

                                                                                  \n
                                                                                • Website usage data, IP address, device information<\/span><\/li>\n
                                                                                • Cookies and tracking technologies data<\/span><\/li>\n
                                                                                • Communication records and correspondence<\/span><\/li>\n<\/ul>\n
                                                                                   <\/div>\n

                                                                                  2. CONSENT TO DATA PROCESSING PURPOSES<\/span><\/h3>\n

                                                                                  I consent to the Company processing my personal data for the following purposes:<\/span><\/p>\n

                                                                                  Primary Business Purposes<\/b>:<\/span><\/p>\n

                                                                                    \n
                                                                                  • Partnership account management and service delivery<\/span><\/li>\n
                                                                                  • Processing loan applications and insurance policies for referred clients<\/span><\/li>\n
                                                                                  • Commission calculation, processing, and payment<\/span><\/li>\n
                                                                                  • Communication regarding partnership matters and business updates<\/span><\/li>\n<\/ul>\n
                                                                                     <\/div>\n

                                                                                    Legal and Regulatory Purposes<\/b>:<\/span><\/p>\n

                                                                                      \n
                                                                                    • Compliance with Personal Data Protection Act 2010 and other applicable laws<\/span><\/li>\n
                                                                                    • Regulatory reporting and record-keeping requirements<\/span><\/li>\n
                                                                                    • Know Your Customer (KYC) and anti-money laundering procedures<\/span><\/li>\n<\/ul>\n
                                                                                       <\/div>\n

                                                                                      Business Operations<\/b>:<\/span><\/p>\n

                                                                                        \n
                                                                                      • Service improvement and platform development<\/span><\/li>\n
                                                                                      • Market research and business analysis<\/span><\/li>\n
                                                                                      • Security monitoring and fraud prevention<\/span><\/li>\n
                                                                                      • Customer support and technical assistance<\/span><\/li>\n<\/ul>\n
                                                                                         <\/div>\n

                                                                                        Marketing and Communications<\/b> (optional – separate consent):<\/span><\/p>\n

                                                                                          \n
                                                                                        • Promotional materials and marketing communications<\/span><\/li>\n
                                                                                        • Event invitations and training program notifications<\/span><\/li>\n
                                                                                        • Surveys, feedback collection, and testimonials<\/span><\/li>\n
                                                                                        • Newsletter and industry updates<\/span><\/li>\n<\/ul>\n
                                                                                           <\/div>\n

                                                                                          3. CONSENT TO DATA DISCLOSURE<\/span><\/h3>\n

                                                                                          I consent to the Company disclosing my personal data to the following categories of third parties:<\/span><\/p>\n

                                                                                          Business Partners and Service Providers<\/b>:<\/span><\/p>\n

                                                                                            \n
                                                                                          • Partner banks and financial institutions for loan processing<\/span><\/li>\n
                                                                                          • Insurance companies and underwriters for policy applications<\/span><\/li>\n
                                                                                          • IT service providers and system administrators<\/span><\/li>\n
                                                                                          • Payment processors and financial service providers<\/span><\/li>\n
                                                                                          • Professional advisors (legal, accounting, consulting)<\/span><\/li>\n<\/ul>\n

                                                                                            Regulatory and Legal Authorities<\/b>:<\/span><\/p>\n

                                                                                              \n
                                                                                            • Personal Data Protection Commissioner and other regulatory bodies<\/span><\/li>\n
                                                                                            • Bank Negara Malaysia and financial regulators<\/span><\/li>\n
                                                                                            • Law enforcement agencies (when legally required)<\/span><\/li>\n
                                                                                            • Courts and tribunals (when legally compelled)<\/span><\/li>\n<\/ul>\n

                                                                                              Other Parties<\/b> (with specific consent):<\/span><\/p>\n

                                                                                                \n
                                                                                              • Potential business partners or investors (in case of business transfer)<\/span><\/li>\n
                                                                                              • Marketing and communications agencies<\/span><\/li>\n
                                                                                              • Training and event organizers<\/span><\/li>\n<\/ul>\n
                                                                                                 <\/div>\n

                                                                                                4. INTERNATIONAL DATA TRANSFERS<\/span><\/h3>\n

                                                                                                I consent to the transfer of my personal data outside Malaysia to:<\/span><\/p>\n

                                                                                                  \n
                                                                                                • International business partners and service providers<\/span><\/li>\n
                                                                                                • Cloud storage and computing service providers<\/span><\/li>\n
                                                                                                • Overseas regulatory authorities (when required)<\/span><\/li>\n<\/ul>\n

                                                                                                  I understand that such transfers will be subject to appropriate safeguards and contractual protections to ensure the security and confidentiality of my personal data.<\/span><\/p>\n

                                                                                                   <\/span><\/p>\n

                                                                                                  5. SENSITIVE PERSONAL DATA CONSENT<\/span><\/h3>\n

                                                                                                  I provide <\/span>explicit consent<\/b> for the processing of sensitive personal data, including:<\/span><\/p>\n

                                                                                                    \n
                                                                                                  • Financial information and credit-related data<\/span><\/li>\n
                                                                                                  • Information about property transactions and investments<\/span><\/li>\n
                                                                                                  • Insurance and risk assessment information<\/span><\/li>\n<\/ul>\n

                                                                                                    I understand that sensitive personal data requires explicit consent and will only be processed for the specific purposes stated above.<\/span><\/p>\n

                                                                                                     <\/h1>\n

                                                                                                    6. UNDERSTANDING OF RIGHTS<\/span><\/h3>\n

                                                                                                    I acknowledge that I understand my rights under the Personal Data Protection Act 2010, including:<\/span><\/p>\n

                                                                                                    Right of Access<\/b>: To request access to my personal data held by the Company <\/span>Right of Correction<\/b>: To request correction of inaccurate or incomplete personal data <\/span>Right to Withdraw Consent<\/b>: To withdraw my consent at any time (subject to legal and contractual restrictions) <\/span>Right to Prevent Processing<\/b>: To request cessation of processing for direct marketing purposes <\/span>Right to Data Portability<\/b>: To request transfer of my personal data in certain circumstances<\/span><\/p>\n

                                                                                                     <\/span><\/p>\n

                                                                                                    7. CONSENT WITHDRAWAL<\/span><\/h3>\n

                                                                                                    I understand that I may withdraw my consent at any time by:<\/span><\/p>\n

                                                                                                      \n
                                                                                                    • Contacting the Company’s Data Protection Officer<\/span><\/li>\n
                                                                                                    • Sending written notice to the Company’s registered address<\/span><\/li>\n
                                                                                                    • Using the opt-out mechanisms provided in communications<\/span><\/li>\n
                                                                                                    • Submitting a withdrawal request through the Company’s website<\/span><\/li>\n<\/ul>\n

                                                                                                      I understand that withdrawal of consent may affect the Company’s ability to provide certain services, and that some processing may continue based on other lawful grounds.<\/span><\/p>\n

                                                                                                       <\/span><\/p>\n

                                                                                                      8. DATA RETENTION<\/span><\/h3>\n

                                                                                                      I consent to the Company retaining my personal data for the following periods:<\/span><\/p>\n

                                                                                                        \n
                                                                                                      • Partnership records: Duration of partnership plus 7 years<\/span><\/li>\n
                                                                                                      • Financial records: 7 years after last transaction<\/span><\/li>\n
                                                                                                      • Communication records: 3 years from last contact<\/span><\/li>\n
                                                                                                      • Marketing data: Until consent is withdrawn<\/span><\/li>\n
                                                                                                      • Legal documents: As required by applicable law<\/span><\/li>\n<\/ul>\n
                                                                                                         <\/div>\n

                                                                                                        9. CONTACT INFORMATION<\/span><\/h3>\n

                                                                                                        For questions about this consent or data protection matters:<\/span><\/p>\n

                                                                                                        Wall Street Group Sdn Bhd<\/b>
                                                                                                        <\/span>Level 5, Tower B, PJ City Development, 15A, <\/span><\/p>\n

                                                                                                        Jalan 51a\/219, Seksyen 51a, 46100 Petaling Jaya, Selangor.<\/span>
                                                                                                        <\/span>Phone: 0127109315<\/span>
                                                                                                        <\/span>Website: wallstreetsgroup.com<\/span><\/p>\n

                                                                                                        Personal Data Protection Commissioner<\/b>:<\/span>
                                                                                                        <\/span>Website: <\/span>www.pdp.gov.my<\/span>
                                                                                                        <\/span>Email: <\/span>aduan@pdp.gov.my<\/span>
                                                                                                        <\/span>Phone: 03-8911 5000<\/span><\/p>\n

                                                                                                         <\/h1>\n

                                                                                                        CONSENT DECLARATION<\/span><\/h2>\n

                                                                                                        By checking the consent box, I declare that:<\/span><\/p>\n

                                                                                                          \n
                                                                                                        1. I have read and understood this PDPA Consent document<\/span><\/li>\n
                                                                                                        2. I voluntarily provide my explicit consent for the collection, use, processing, and disclosure of my personal data as described above<\/span><\/li>\n
                                                                                                        3. I understand my rights under the Personal Data Protection Act 2010<\/span><\/li>\n
                                                                                                        4. I understand that I can withdraw my consent at any time<\/span><\/li>\n
                                                                                                        5. I am at least 18 years of age and have the legal capacity to provide this consent<\/span><\/li>\n
                                                                                                        6. If providing consent on behalf of an organization, I have the authority to do so<\/span><\/li>\n<\/ol>\n

                                                                                                           <\/h1>\n

                                                                                                          Consent Confirmation<\/b>:<\/span><\/p>\n

                                                                                                          \u2610 <\/span>I CONSENT<\/b> to the collection, use, processing, and disclosure of my personal data by Wall Street Group Sdn Bhd in accordance with this PDPA Consent and the Company’s Privacy Policy.<\/span><\/p>\n

                                                                                                          IMPORTANT NOTES<\/b>:<\/span><\/p>\n

                                                                                                            \n
                                                                                                          • This consent is given freely and voluntarily<\/span><\/li>\n
                                                                                                          • Consent can be withdrawn at any time<\/span><\/li>\n
                                                                                                          • Withdrawal may affect service delivery<\/span><\/li>\n
                                                                                                          • This consent complies with PDPA 2010 requirements<\/span><\/li>\n
                                                                                                          • For full details, refer to our Privacy Policy<\/span><\/li>\n<\/ul>\n

                                                                                                             <\/h1>\n

                                                                                                            Document Version<\/b>: 1.0<\/span>
                                                                                                            <\/span>Effective Date<\/b>: 26\/8\/2025<\/span>
                                                                                                            <\/span>Company<\/b>: Wall Street Group Sdn Bhd<\/span>
                                                                                                            <\/span>Registration<\/b>: 201501027939<\/span><\/p>\n

                                                                                                             <\/h1>\n

                                                                                                            This document has been prepared in compliance with the Personal Data Protection Act 2010 of Malaysia. For legal advice regarding your rights and obligations, please consult with qualified legal counsel.<\/span><\/i><\/p>\n

                                                                                                             <\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

                                                                                                            Terms & Conditions TERMS AND CONDITIONS Wall Street Group Sdn Bhd Partnership Platform Effective Date: 26\/8\/2025 Last Updated: 26\/8\/2025Version: 1.0 \u00a0 TABLE OF CONTENTS Introduction and Acceptance Definitions Platform Description and Services Partnership Registration and Eligibility Exclusivity Obligations Commission Structure and Payment Terms Partner Obligations and Responsibilities Prohibited Activities and Rule Violations Commission Forfeiture Provisions […]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/pages\/3","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/comments?post=3"}],"version-history":[{"count":0,"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/pages\/3\/revisions"}],"wp:attachment":[{"href":"https:\/\/wallstreetsgroup.com\/cn\/wp-json\/wp\/v2\/media?parent=3"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}