Terma & Syarat

This Agreement is made between Vislamic Travel & Tours Sdn. Bhd. (Reg. No: 1430807-K (KPLN: 10389) (hereinafter referred to as “VISLAMIC”) which owns and operates the www.vislamic.com domain & website and You who uses/accesses/visits the  VISLAMIC’s website online or otherwise direct/indirect reservation bookings via telephone, over the counter, by facsimile or letter (hereinafter referred as Reservation Services) and You hereby agree and accept to be bound by the terms and conditions hereinafter appearing.

2.1. Products and Services rendered by VISLAMIC to make arrangements for and on your behalf in respect of booking(s) and/or reservation(s) of:-

– umrah packages;

– umrah & ziarah packages;

– kembara rohani packages;

– pelancongan Islamik / inbound and outbound holiday packages;

– airline ticketing;

– packages for delegates of trade fairs and exhibitions abroad;

– hotels;

– sightseeing tours or private tours;

– transportation or private transfer;

– guide service;

– car rental service;

– travel insurance;

– tourist visa application (only when requested) are hereinafter collectively referred as the “VISLAMIC Travel Products”.

2.2. Removal of VISLAMIC Travel Products – VISLAMIC reserves the right at any time and from time to time to remove, modify or discontinue, temporarily or permanently the VISLAMIC Travel Products or any part thereof, with or without notice. You agree that VISLAMIC shall not be liable to you or to any third party in any way for any modification, suspension or discontinuance of the VISLAMIC Travel Products.

3.1. Your booking/reservation request(s) and purchase of all VISLAMIC Travel Products are SUBJECT to the additional terms and conditions imposed by VISLAMIC’s third party provider(s), fulfillment provider(s), airlines, hotels, car rentals companies, tour operators, other travel products and independent supplier(s) from time to time (hereinafter referred to as the “Suppliers’ Terms”). By effecting/making a booking/reservation request(s) of the VISLAMIC Travel Products, you expressly agree to be bound by the terms and conditions herein as well as the Suppliers’ Terms with the respective Suppliers.

4.1. In order for VISLAMIC to process your booking/reservation request, you are required to provide details of your name list of all traveler(s) (name(s) according to passport(s)) and furnish VISLAMIC with additional information or request (if any). You are required to give details of your credit card (unless payment is made in cash or by way of cheque or bank draft) at the time of your booking/reservation request. Submission of your booking/reservation request shall be deemed to be an irrevocable authorization by you for VISLAMIC to book the VISLAMIC Travel Products immediately on your behalf and charge your credit card for full payment as hereinafter mentioned in Clause 4.2 upon receipt of the Suppliers’ confirmation of the availability of your requested VISLAMIC Travel Products.

4.2. Notwithstanding Clause 4.1 above, VISLAMIC will have absolute discretion not to automatically charge your credit card and make a booking/reservation request on your behalf in the event there is a difference in the rates quoted or your request was made after the expiry date of any offer/promotion of VISLAMIC Travel Products (hereinafter referred to “differential sum”) and shall not be held liable for such withholding of the booking/reservation request until confirmation is received from you that you are agreeable to the payment of the differential sum.

4.3. When making an online reservation via the Reservation Service, you shall receive an email confirmation from VISLAMIC upon VISLAMIC’s receipt of your payment in FULL for the relevant VISLAMIC Travel Product requested; and

4.3.1. If for any reason whatsoever, you do not receive an email confirmation from VISLAMIC after making payment in FULL, you are solely responsible to check the status of your reservation request at VISLAMIC online or contact VISLAMIC consultant immediately during office hours. Your failure in verifying confirmation from VISLAMIC online or directly in respect of non-receipt of an email confirmation by the Reservation Service shall not invalidate your reservation nor render the same void.

4.4. Notwithstanding the said Clauses 4.1 and 4.3, VISLAMIC and/or its Supplier(s) shall have absolute discretion to refuse and/or decline to accept any booking/reservation request SUBJECT to the following:-

4.4.1. That you are responsible for your travel plan and any booking/reservation request made based on your planning, the Reservation Service will not be held liable nor entertain any refund whatsoever in the event that you have made such booking/reservation request on the VISLAMIC Travel Products that is not suitable and would want to make any change(s); and/or

4.4.2. If you have any special requests as to the above Clause 4.4.1, such request will be forwarded or passed on to the respective Suppliers however, VISLAMIC will not guarantee such request for change; and

4.5. All booking/reservation request once made and confirmed are non-exchangeable and non-transferable and payments made are non-refundable.

5.1. Deposit/Full Payment: You are required to pay a Deposit (if any) upon confirmation of any booking/reservation for VISLAMIC Travel Products. Full Payment/Balance Payment (less Deposit) is required within the stipulated deadline set by VISLAMIC and/or Suppliers.

5.2. Payment can be made via local Cheque, Bank Draft or Telegraphic Transfer, payable to:-

5.3. Card payment mode is available via secured payment link (3-D secure credit / debit card payments by Visa / MasterCard).

If you would like to save your card data (without CVV) with us for future payment processing, please select the “Save Card Information” option from the AsiaPay’s MemberPay site which we will send to you. This serves as a confirmation and consent to process your card data.

NOTE: Credit Card will not be accepted based on the (nett) prices quoted; and all payments in foreign currencies to include all bank charges/commission and exchange rates to be borne by you.

5.4. Cancellation: Upon your settlement of Deposit and/or Full Payment for VISLAMIC Travel Products, and in the event of your request for cancellation, CIT may at their absolute discretion PROVIDED THAT VISLAMIC have received a written notice from you within 3 working days from date of confirmation of booking/reservation request made to consider your request for cancellation SUBJECT to the following cancellation charges:-

Applicable to Tour Package(s) Only
Forfeiture of Payment(s)

5.4. Notwithstanding the above stated Clause 5.3, all cancellations are subject to the cancellation policies and regulations stipulated by the specific terms of the Suppliers. You are liable for any additional charges or expenses imposed by the Suppliers in respect of such changes or cancellation. Refunds (if any), shall be made by the Suppliers directly to you based on their own applicable refund policies.

6.1. VISLAMIC and/or its associates agents act merely as agents to other principals who supply services for the tour. As such VISLAMIC and/or its associated agents shall not be held liable for any delay, change, omission or cancellation of services or any loss, damage or injury suffered by your traveling as tour member or as traveler/consumer/client of VISLAMIC Travel Products as a result of negligence or deliberate acts of any person, employee, agent, servant or representative outside of its direct employment or any unforeseen circumstances or occurrences beyond VISLAMIC’s control.

By purchasing and accepting VISLAMIC’s services, VISLAMIC and/or its Suppliers and/or its associated agents further reserve their right to demand, postpone, or cancel any or all parts of a program/tour arrangement under unfavorable conditions. Should a tour or an arrangement be cancelled, equitable refund shall be made to each customer/traveler but the refund sum shall not exceed the original amount paid for the event/package.

7.1. VISLAMIC gives no express or implied warranty in respect of any travel services including that of VISLAMIC Travel Products in respect of :-

7.1.1. Any loss (whether direct, indirect, incidental, special, punitive or consequential) or damages arising from the use of such VISLAMIC Travel Products provided; and/or

7.1.2. Any claims against any non-fulfillment or unsatisfactory fulfillment of services and products provided by third parties’ providers, including and not limited to airlines, hotels, tour operators, car rental companies, independent suppliers (“Suppliers”) whatsoever; and that you have agreed to the above terms of purchase and VISLAMIC shall not be held liable for the aforestated Clause 7.1.1 and 7.1.2

8.1. VISLAMIC will not be held liable for any damages or loss arising from any events which are beyond the reasonable control of VISLAMIC or any of its Supplier(s). Such an event shall include Acts of God, earthquakes, typhoons, flood, natural disaster or fire, strikes, dangers incidental to sea, land and air travel, government actions, compliance with any laws, regulations or orders of the country(ies), widespread of viruses worldwide, frequent flight delays, rerouting, retiming, misconnection, overbooking, mishandled baggages, default of any Supplier(s), civil war, industrial disputes, power failure, hardware and/or system failure, malfunction or breakdown, failure of internet transmission or links, system hacking, software contamination, or corruption, howsoever caused.

9.1. VISLAMIC reserves the right to change the terms and conditions and policies in respect of the VISLAMIC Travel Products and services offered. You are responsible for regularly reviewing these terms and conditions including such additional, modified or varied terms posted from time to time. Your continued use of VISLAMIC sites shall constitute your acceptance of the terms and conditions, as modified including and not limited to that of the Suppliers’ Terms.

9.2. VISLAMIC may at any time modify these terms and conditions without notice to you and your usage of the VISLAMIC sites shall be conditional upon the terms and conditions in force at the time of your use.

10.1. It is your own responsibility to ensure the following possession of valid travel documentation required to perform the trip:-

10.1.1. An international passport or other recognized travel documents which should be valid for at least six (6)months from the date of return to the country of origin; and/or

10.1.2. The necessary visa and vaccination and health certificate as required by the various authorities of the countries to be visited.

10.2. VISLAMIC will brief or inform:

10.2.1. tour members on what documentation is required;

10.2.2. wherever possible, assist you/tour members in obtaining the necessary visa.

However, VISLAMIC cannot guarantee the approval of any visa application.

10.3. Service charges and visa fees levied shall be borne entirely by the tour members.

10.4. If for any reason, the application for visa or necessary exit permit is rejected, a refund of tour fare will be made less administrative fees.

10.5. VISLAMIC shall not be held responsible or liable for any expenses, reimbursement or refund of tour prices if any tour member is refused entry or deported by immigration authorities resulting from the possession of unlawful items or holding improper travel documents or any other causes, or whose behavior and activities are considered to be detrimental by a foreign government/authority/country.

10.6. Notwithstanding Clause 10.2.2, VISLAMIC is in no position in the advice of visa assessment and decision making process nor have any right to approve or reject visa application nor decide the type of visa and validity period to be issued. The duration of stay and number of entry is based on the relevant laws and regulations of the country the visa is being applied for.

11.1. VISLAMIC strongly recommends you to purchase travel insurance prior to your travel/trip in order to safeguard yourselves against sickness, loss of money, flight cancellations, delays, lost of baggages, hospitalization, medical expenses and/or any unforeseen events and circumstances. You are advised to contact VISLAMIC for more information on the options of travel insurance coverage.

12.1.Incidental Charges – Items in the Tours are NOT included in the above-mentioned VISLAMIC Travel Products are excess baggage charges, telephone calls, beverages, laundry, tips and gratuities to porters, guides and drivers and all items of a purely personal nature unless specified otherwise.

12.2.Taxes/Levies/Duties/Tariffs – You will be fully responsible for any and all taxes, levies, tariffs charges, fuel surcharges, airport duties, cancellation charges in change of dates of travel and return and name change, request for upgrade of seats, food/drinks on board (if not provided), travel insurance, health certificates, valid international driving license and any special request made for child or elderly/handicapped travelers.

12.3.Exchange Rates – You are required to pay the difference (if any) the fluctuating exchange rates of the respective countries.

13.1 If any provision of this Agreement shall be construed to be illegal or invalid, they shall not affect the legality, validity and enforceability of the other provisions of this Agreement. The illegal or invalid provision shall be severed from this Agreement and all other provisions of this Agreement shall remain enforceable.

14.1.This Agreement constitutes the entire agreement between you and VISLAMIC (including that of the Supplier(s)) and all previous agreements, representations, warranties expressed or implied oral or in writing or by conduct between the parties hereto are hereby superseded and are of no further effect.

14.2. It is further declared and agreed that this Agreement constitutes the whole agreement between the parties hereto in respect of the matters dealt with herein and may not be amended or modified except by VISLAMIC.

15.1. This Agreement and the relationship between VISLAMIC and you shall be governed by and construed in accordance with the laws of Malaysia and in the event of any of its conflict of laws/provisions/regulations, you have irrevocably consented and hereby submit to the personal and exclusive jurisdiction of the courts of Malaysia and further agree that service of any legal process may be effected in the manner set out in Clause 14.2 as hereinafter mentioned.

15.2. Service of Notice – Any notice in writing required to be issued here under shall be deemed to have been sufficiently served on you if it is left at the usual or last known place of residence/place of business or at the address above-stated or sent by ordinary mail and/or registered post and/or Courier. The service shall be deemed to be made at the time when the letter would in the ordinary course of post be delivered.

16.1 Your acceptance of the entire terms and conditions of VISLAMIC as set out in this Agreement are fundamental basis of the bargain between you and VISLAMIC, and you agree that VISLAMIC would not otherwise be able to offer the VISLAMIC Travel Products and services on its present basis without your acceptance of such terms and conditions. This Clause shall survive any termination of this Agreement.

Vislamic Travel & Tours Sdn. Bhd. (Reg. No: 1430807-K (KPLN: 10389)) (hereinafter referred to as “VISLAMIC”) which owns and operates the www.vislamic.com domain & website is committed to the protection of your Personal Data and takes the matter of protecting your privacy as a high priority matter.

This Privacy Statement explains the general terms on how we protect the privacy of your Personal Data under the Personal Data Protection Act 2010 (“PDPA”).

In order to provide you with the use and access to our travel services and products (including website and online applications), VISLAMIC will collect the following personal information:

1. Username and Password
2. Name
3. Address
4. Gender
5. Date of Birth
6. Nationality
7. Email Address
8. Telephone Number
9. Fax Number
10. Credit Card Information (name of cardholder, credit card number and expiry date)
11. Travel Details, including
    • intended check-in and check-out dates
    • number of rooms required
    • pick-up and drop-off dates & time
    • flight information – flight number, arrival and departure time
    • number of passenger
    • name (s), date(s) of birth, nationality, gender, telephone number, email address, passport number of all passengers.

The above information is requested when you register as a member / make reservations for VISLAMIC products or services / utilize VISLAMIC online services (such as sending e-Card or Loyalty Program) / request for VISLAMIC newsletter or participate in our special programs and online contests.

If you communicate with VISLAMIC via e-mail, post messages to any of our chat groups, bulletin boards or forums, or otherwise complete online forms, surveys or contest entries, any information provided in such communications may also be collected as personal information. You always have the option not to provide the information we requested.

VISLAMIC collects and processes your Personal Information only for specific or limited purposes that is adequate and relevant. Some of these purposes include the following:

1. To process your travel reservations or purchases and confirm your travel arrangements;

2. To verify your credit and collect payments for your purchases, orders, registrations etc if you submit financial information;

3. To improve our content, service and product offerings;

4. To enhance our service to you the next time you visit our site by providing you with the most personalized Web experience possible;

5. To send you periodic e-Newsletter which contain new services, special offers and promotions which may be of interest to you;

6. To fulfill your request when you use our e-Card or Member Incentive Program services;

7. To post your messages on Travel Board or on our Feedback service;

8. To provide you with customer support should you request it;

9. To statistically analyze site usage; to enhance our marketing and promotional efforts;

10. In specific situations, to resolve disputes, troubleshoot problems and enforce our User Agreement.

VISLAMIC does not share, sell or distribute your Personal Information with unrelated third parties, except for processing your travel reservations. Disclosure of your personal information may include without limitation in the following scenarios:-

1. To process and complete your travel reservations, your information is provided to third parties including service providers such as the airlines, hotels, tour and transfer operators, travel insurance agencies and third-party intermediaries (for example, credit card companies and banks) as deemed essential whenever you purchase VISLAMIC travel products and services

2. As when required by relevant law to disclose the Personal Information.

VISLAMIC strives to protect the privacy and security of our database by maintaining the reliability and completeness of Personal Data in our database. VISLAMIC keeps your information only for as long as reasonably necessary for the purposes for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

The employees who have access to Personal Data have been trained to handle such data properly and in accordance with our security protocols and strict standards of confidentiality. Although VISLAMIC cannot guarantee against any loss, misuse, unauthorized disclosure, alteration or destruction of data, we try to prevent such unfortunate occurrences.

Other than the purposes and parties aforementioned, your personal information will not be provided to spammers, advertisers, direct marketing companies or any other unsolicited mailers, without your consent.

You can always decline to receive VISLAMIC e-Newsletters or updates periodically by clicking the “Unsubscribe” button at the bottom of the newsletter.

Occasionally, VISLAMIC runs contests and promotions (either independently or jointly with third parties) in which personal information is required. In these instances, certain information such as name and contact information are shared with the third parties for contest or promotion eligibility verification purposes or for the selection of winning entries, or to ship prizes and promotional material to those contestants. You may elect not to share information with third parties by not participating in these promotions. Those who opt to share information with third parties may contact the third party directly to opt out of receiving future mailings from the third party. Should you be chosen as a winner or have purchased any of VISLAMIC promotional products and services, you must consent to the disclosure of your personal information for publicity purposes.

Cookies: Usage of a cookie is in no way linked to any personally identifiable information while on VISLAMIC website. VISLAMIC website requires the use of cookies purely for programming purposes and as a mechanism to remember the information that is selected from one page to another. This allows you to leave a search page with information you have selected, come back later and still have the search preferences intact. If you switch off your cookies, you will still be able to browse the site without problems.

Logging: VISLAMIC website automatically logs the following information:

1. your IP address
2. the browser type
3. the domain name(s)
4. access time(s)

This information is used to analyze trends and do not link to your personal information. Please note that we may also provide aggregate statistics to third parties but these statistics will never ever identify any single user.

Links To Other Sites: Please note that VISLAMIC website links to other sites and that the privacy policies of these sites may differ from VISLAMIC ’s. You are advised to check the privacy policies of other Web sites before disclosing any personal information. In any event, please note that these sites do not share your personal information with VISLAMIC.

Occasionally when linking to another site, you may still see VISLAMIC ’s logo or frame. This is to provide you with a seamless experience when visiting VISLAMIC website. In these cases you are no longer on www.vislamic.com and are now on a different Web site whose information collection practices may differ from VISLAMIC. The privacy policy of the site you are on will govern how information collected from you is used. You can always know what site you are on by checking the location bar within your browser.

VISLAMIC reserves the right to make changes in this policy. This Privacy Policy contains an effective date of when it was last changed. You will need to check the Privacy Policy to see if the date has changed since your last visit. VISLAMIC may amend or update our Privacy Policy at any time to reflect changes to our business practices. Your continued usage of VISLAMIC website / purchase of VISLAMIC products & services indicates acceptance of this privacy policy.

If you have any questions regarding security and privacy issues, please contact us at info@vislamic.com.

1.1 This Anti-Bribery & Corruption Policy (“Policy”) sets out the responsibilities of Vislamic Travel & Tours Sdn. Bhd. (the “Company”) and those who work for the Company on the requirement to observe and
uphold the Company’s zero-tolerance position on “bribery and corruption” (collectively known as “corrupt gratification”).

1.2 This Policy provides a source of information and guidance for those working for the Company. It helps them recognise and deal with corrupt gratification, as well as understand their responsibilities.

1.3 For the purpose of this Policy:

• Bribery means the act of giving or receiving something of value in exchange for some kind of influence or action in return, that the recipient would otherwise not offer;

• Corruption means the act of soliciting, giving, accepting or receiving gratification, directly or indirectly, to/from a person in authority either in the form of money, services or valuable goods as an inducement or reward to or not to do an act in relation to the person’s principal affairs – in short, corruption is essentially an abuse of entrusted power or position to obtain a personal gain or benefit; and

• Gratification is defined in Section 3 of the MACC Act 2009 and includes money, donation, gift, loan, fee, reward, valuable security, property or interest in property, employment, appointment, release, forbearance, undertaking, promise, rebate, discount, services employment or contract of employment or services and agreement to give employment or render services in any capacity. The provision or receipt of gratification is not an offence unless it is done corruptly.

2.1 The Company is committed to conducting business in an ethical and honest manner, and is committed to implementing and enforcing systems that ensure corrupt gratification is prevented. The Company has zero-tolerance for corrupt gratification and its associated activities. The Top-level Management are committed to acting professionally, fairly and with integrity in all of the Company’s business dealings and relationships in whichever country we operate.

2.2 The Company shall constantly uphold all laws relating to bribery & corruption in all the jurisdictions where we operate. We are bound by the laws of Malaysia, in particular the Malaysian Anti-Corruption Commission Act 2009 (“MACC Act 2009”), pertaining to our conduct both at home and abroad.

2.3 The Company recognises that acts of corrupt gratification are punishable by way of pecuniary fines and/or jail sentences, as the case may be, upon conviction. If any entity in the Company or person associated with it is found to have taken part in bribery or corrupt activities to benefit the Company, we may be subjected to a monetary fine of not less than 10 times the sum or value of the corrupt gratification, and/or the officers concerned jailed not exceeding 20 years, upon conviction under the MACC Act 2009. There may well be other
associated charges brought against the Company and/or its officers under other legislations in Malaysia or in the countries in which the alleged offence is committed. All these may lead to serious damage to our reputation. It is with this in mind that we remain committed to preventing acts of corrupt gratification in our businesses, and we take our legal responsibilities seriously.

3.1 This Policy applies to all employees (whether temporary, contract-basis or permanent), consultants, contractors, trainees, seconded staff, casual workers, agency staff, volunteers, interns, agents, sponsors or any other person or persons associated with the Company, or any of our subsidiaries or their employees, no matter where they are located (within or outside of Malaysia). The definition of such persons associated with the Company accords with Section 17A (2) of the MACC Act 2009.

3.2 In the context of this Policy, third party refers to any individual or organisation our Company meets and works with. It refers to actual and potential clients, customers, suppliers, distributors, business contacts, agents, advisers, and government and public bodies – this includes their advisors, consultants, representatives and officials, politicians and public parties.

3.3 Any arrangements our Company makes with a third party is subject to clear contractual terms, including specific provisions that require the third party to comply with minimum standards and procedures relating to anti-bribery and corruption.

4.1 Bribery refers to the act of offering, giving, promising, asking, agreeing, receiving, accepting or soliciting something of value or of an advantage so to induce or influence an action or decision. A bribe refers to any inducement, reward or object/item of value offered to another individual in order to gain or retain commercial, contractual, regulatory or personal business or advantage. Bribery is not limited to the act of offering a bribe. If an individual is on the receiving end of a bribe and they accept it, they are also breaking
the law.

4.2 Corruption means the act of soliciting, giving, promising to give, offering, accepting or receiving gratification, directly or indirectly, to/from a person in authority either in the form of money, services, favours, positions or valuable goods as an inducement or reward to or not to do an act in relation to the person’s principal affairs or function.

4.3 Bribery and corruption (collectively “corrupt gratification”) are illegal. Employees must not engage in any form of corrupt gratification, whether it be directly or through a third party (such as an agent or distributor). They must not bribe a foreign public official anywhere in the world. They must not accept bribes in any degree and if they are uncertain about whether something is a bribe, a gift or act of hospitality, they must seek further advice from the Company’s Compliance Team.

5.1 This section of the Policy refers to the following four (4) areas:

i. Gifts, entertainment, hospitality and travel;
ii. Facilitation payments;
iii. Political contributions; and
iv. Charitable contributions and sponsorship.

5.2 Gifts, entertainment, hospitality & travel
The Company accepts normal and appropriate gestures of hospitality and goodwill (whether given to or received from third parties) so long as the giving or receiving of gifts, entertainment, hospitality & travel meets the following requirements:

a) It is not made with the intention of influencing the party to whom it is being given, to obtain or reward the retention of a business or a business advantage, or as an explicit or implicit exchange for favours, positions or benefits;

b) It is not made with the suggestion that a return favour is expected;

c) It is in compliance with local laws;

d) It is given in the name of the organization, not in an individual’s name;

e) It does not include cash or a cash equivalent (e.g. a voucher or gift certificate);

f) It is appropriate for the circumstances (e.g. giving small gifts around festive seasons or as a small thank you to an organization for helping with a large project upon completion);

g) It is of an appropriate type and value, and given at an appropriate time, taking into account the reason for the gift, entertainment, hospitality and travel;

h) It is given or received openly, not secretly;

i) It is not selectively given to a key or influential person, clearly with the intention of directly influencing them;

j) It accords with the limits of threshold, frequency and approval mandate as pre-determined by the Company; and

k) It is not offered to, or accepted from, a government official or representative, politician or political party, without the prior sanction based on the Company’s approval mandate.

5.3 Where it is inappropriate to decline the offer of a gift, entertainment, hospitality or travel (i.e. when meeting with an individual of a certain religion/culture who may take offence), the gift, entertainment, hospitality or travel may be accepted so long as it is declared to the Compliance Team, who shall assess the circumstances, including whether it accords with the Company’s pre-determined thresholds and frequency.

5.4 The Company recognises that the practice of giving and receiving business gifts varies amongst countries, regions, cultures and religions. As such, definitions of what is acceptable and not acceptable will inevitably differ for each.

5.5 As good practice, gifts, entertainment, hospitality & travel given and received should always be disclosed to the Compliance Team. Those received from suppliers must be disclosed to the Compliance Team.

5.6 The intention behind a gift, entertainment, hospitality or travel being given or received should always be considered. If there is any uncertainty, the advice of the Compliance Team should be sought.

5.7 Facilitation Payments and Kickbacks
The Company does not accept and will not make any form of facilitation payments of any nature. We recognise that facilitation payments are a form of bribery that involves expediting or facilitating the performance of a public official for a routine governmental action. We recognise that they tend to be made by low level officials with the intention of securing or speeding up the performance of a certain duty or action.

5.8 The Company does not allow kickbacks to be made or accepted. We recognise that kickbacks are typically made in exchange for a business favour or advantage.

5.9 The Company recognises that despite our strict policy on facilitation payments and kickbacks, employees may face a situation where avoiding a facilitation payment or kickback may put their or their family’s personal security at risk. Under these circumstances, the following steps must be taken:

a) Keep any amount to the minimum;
b) Ask for a receipt, detailing the amount and reason for the payment;
c) Create a record concerning the payment; and
d) Report this incident to your line manager.

5.10 Political Contributions
The Company will not make donations, whether in cash, kind or by any other means, to support any political parties or candidates. We recognise this may be perceived as an attempt to gain an improper business advantage.

5.11 Charitable Contributions
The Company accepts and encourages the act of donating to charities as part of its corporate social responsibility initiatives, whether through services, knowledge, time or direct financial contributions (cash or otherwise).

5.12 Employees must be careful to ensure that charitable contributions are not used to facilitate and conceal acts of bribery. If in doubt, check with the Compliance Team.

5.13 We shall ensure that all charitable donations made are legal and ethical under local laws and practices, and that donations are offered or made in accordance with the Company’s approval mandate.

6.1 As an employee of the Company, you must ensure that you read, understand and comply with the information contained within this Policy, and with any training or other anti-bribery and corruption information you are given from time to time.

6.2 All employees and those under our control are equally responsible for the prevention, detection and reporting of bribery and other forms of corruption. They are required to avoid any activities that could lead to, or imply, a breach of this Policy.

6.3 If you have reasons to believe or suspect that an instance of bribery or corruption has occurred or will occur in the future that breaches this Policy, you must notify the Compliance Team.

6.4 If any employee breaches this Policy, the employee will face disciplinary action and could face dismissal for gross misconduct. The Company has the right to terminate a contractual relationship with an employee
if the employee breaches this Policy.

7.1 This section of the policy covers 3 areas:

a) How to raise a concern?
b) What to do if you are a victim of bribery or corruption? and
c) Protection.

7.2 How to raise a concern?
If you suspect that there is an instance of bribery or corrupt activity occurring in relation to the Company, you are encouraged to raise your concerns at as early a stage as possible. If you are uncertain about whether a certain action or behaviour could be considered bribery or corruption, you should speak to your superior, the Compliance Team or Top-level management team.

7.3 The Company shall, via the Compliance Team, familiarise all employees with its whistleblowing procedures so that employees can vocalise their concerns swiftly and confidentially.

7.4 What to do if you are a victim of bribery or corruption?
You must tell your Compliance Team as soon as possible if you are offered a bribe by anyone, if you are asked to make one, if you suspect that you may be bribed or asked to make a bribe in the near future, or if you have reason to believe that you are a victim of another corrupt activity.

7.5 Protection
If you refuse to accept or offer a bribe or you report a concern relating to potential act(s) of bribery or corruption, the Company understands that you may feel worried about potential repercussions. The Company will support anyone who raises concerns in good faith under this Policy, even if investigation finds that he/she was mistaken.

7.6 The Company will ensure that no one suffers any detrimental treatment as a result of refusing to accept or offer a bribe or other corrupt activities or because they reported a concern relating to potential act(s) of
bribery or corruption.

7.7 Detrimental treatment refers to dismissal, disciplinary action or unfavourable treatment in relation to the concern the individual raised.

7.8 If you have reason to believe you have been subjected to unjust treatment as a result of a concern or refusal to accept a bribe, you should inform your line manager or the Compliance Team immediately.

7.9 If you require any further information regarding compliance issues, please consult directly with Compliance Team via info@vislamic.com.

8.1 The Company will provide training on this Policy as part of the induction process for all new employees. Employees will also receive regular, relevant training on how to adhere to this Policy, and will be asked annually to formally accept in writing that they will comply with this Policy.

8.2 The Company’s Anti-Bribery & Corruption Policy and zero-tolerance stance shall be clearly communicated to all suppliers, contractors, business partners and any third parties at the outset of business relations, and as appropriate thereafter.

8.3 The Company shall provide relevant anti-bribery and corruption training to employees, etc., where we feel their knowledge of how to comply with the MACC Act 2009 or other requirements (e.g. the Malaysian Code on Corporate Governance, Companies Act 2016, etc.) on anti-bribery and corruption needs to be enhanced. As good practice, all businesses in the Company shall provide their employees with anti-bribery training from time to time where there is a potential risk of facing bribery or corruption during work activities.

9.1 The Company shall keep detailed and accurate financial and other records, and shall have appropriate internal controls in place to act as evidence for all payments made. We shall declare and keep a written record of the amount and reason for gifts, entertainment, hospitality and travel accepted and given, including donations, sponsorships and expenses of similar nature by whatever name called, and understand that such expenses are subject to managerial review.

10.1 The Company’s Compliance Team is responsible for monitoring the adequacy and operating effectiveness of this Policy and shall review its implementation on a regular basis, including assessing its suitability, adequacy and effectiveness.

10.2 Internal control systems and procedures designed to prevent acts of corrupt gratification are subject to regular audits to ensure that they are effective in practice.

10.3 Any need for improvements shall be applied immediately. Employees are encouraged to offer their feedback on this Policy if they have any suggestions on how it may be improved. Feedback of this nature should be addressed to the Compliance Team.

10.4 This Policy does not form part of an employee’s contract of employment and the Company may amend it at any time so as to improve its effectiveness at combatting bribery and corruption.

10.5 Any employee or person associated with the Company, if found guilty of an act of bribery or corruption in breach of this Policy, shall be dealt with according to the Company’s disciplinary measures.