Transaction
1) My Next Home (MM2H) Sdn Bhd (here onwards referred as 'MM2H') only accept credit card which carries a VISA / MasterCard logo.
2) Please note that your credit card statement will display ”°NetBuilder EC”± for the charges made payable to My Next Home (MM2H) Sdn Bhd.
3) The currency we are using is Malaysia Ringgit (MYR). When you are taken to our payment page, the amount shown will be in Malaysia Ringgit (MYR).
4) Due to each transaction involves high amount, it is mandatory (MUST) for MM2H to perform further credit card verification. A CCVerify form is to be filled up each time a particular transaction is done. Our agents will guide you to sign the CCVerify form.
5) Our Online Payment System utilizes a further security measure, 3-D Secure, to ensure additional level of security when you transact online.
What is 3-D Secure ?
3-D Secure is an additional cardholder authentication mechanism 1st developed by VisaCard and subsequently adopted by MasterCard.
This is NOT the normal CVV1 or CVV2 that you have at the back of your card but is an additional cardholder authentication "pin" that is used as an added layer of security for online credit / debit card transactions only.
For more information please refer to http://www.visa.com/3-dsecure
How does 3-D Secure works ?
Our Payment System is 3-D Secure compliant. Meaning, the system will check every card entered into the system and determine whether additional 3D-Secure pin is required for the given card.
If no, then the payment will be process immediately. If yes, the cardholder will be directed to key in an additional 3-D Secure "pin" into the issuer bank's system to further identify himself.
How do I know whether my credit card requires a 3-D Secure pin ?
Whether a card requires this 3-D Secure pin will depend on the card issuer banks, whether they have implemented this protocol into their system and for what type of card.
Our Payment System is merely complying with such security measures impose by the respective issuer bank should they themselves choose to implement this 3-D Secure authentication system offered by Visa / MasterCard.
Based on our experience, most card holders are unaware of such security measures impose by their card issuer banks (if any) and as such did not apply for this 3-D Secure pin resulting in failure when making online payment.
In the case where your credit card issuer bank has chose to impose this measure, your would have to apply for the 3-D Secure "pin" from the credit card issuer bank.
Terms of Use
6) MM2H STRICTLY DOES NOT allows any third party credit card to be used for payment purposes. We ONLY accept credit card owned by the Service Applicant. Please kindly make sure that you ONLY use your OWN credit card to make your payment to us.
7) MM2H STRICTLY DOES NOT allow any third party to make the payment on behalf of the Service Applicant.
Note : Service Applicant refers to a person who apply for our services.
8) MM2H does NOT handle and does NOT store and does NOT have access to your credit card information.
9) Making payment through our online payment gateway OR entering your credit card information on our payment forms shall be regarded as your firm confirmation and commitment of subscribing to our services. Should you request for any Refund, under all circumstances, a cancellation or refund fee will be charged accordingly.
10) The refunds request will only be entertained within four (3) business days from the date of the Transaction. In the event where a Refund has to be made, it will only be made to the Card upon which the original Transaction was debited and not by any other method.
Your Responsibilities
11) You agree that we or a payment processing company ("Payment Processor") on our behalf will handle all financial account transactions. You hereby agree that the Payment Processor reserves the right to withhold any payments should the Payment Processor have reason to believe or any suspicion that you may be engaging in or have engaged in fraudulent, collusion, unlawful, or improper activity.
12) You accept that you are solely responsible for the supply and maintenance of all of the computer equipment and telecommunications networks and internet access services that you need to use in order to access the "My Next Home" Website and to use whichever services provided. We will not be liable in any way whatsoever for any loss caused to you by the internet or any telecommunication service provider which you have engaged in order to access to the "My Next Home" Website.
13) MM2H reserves the right to change this agreement from time to time. It is your responsibility to check from time to time and see whether there is a notification of change.
Your Warranties and Representations
You warrant and represent that:
14) The credit card OR debit card OR any payment cards OR any account used to make your payment to MM2H is solely owned by yourself.
15) The credit card OR debit card OR any payment cards OR any account used to make your payment to MM2H is valid and authentic.
16) You are acting on your own when making the payment to MM2H.
17) You will NOT use third person's credit card or debit card or any payment cards to make payment to MM2H.
18) All details & particulars given while making payment and in the CCVerify form are accurate and you will continue to update us such details should there be any changes.
Changes of this Agreement Privacy Policy
19) MM2H reserves the right to change the terms and conditions. We may, at our sole discretion, make changes to this agreement or at any time.
20) The changes will take effect from the date specified when they occur. It is important, therefore, that you log in to our Website from time to time and check to see whether there is a notification of change before proceed to make your payment or use our service. You are solely responsible for reading the changes.
21) If you continue to use our Website after we have updated the changes (regardless to the way we have notified of such changes), you agree to be bound by those changes whether or not you have had actual notice of, or have read, the relevant changes. If you do not agree to be bound by relevant changes, you should not continue to use our Website any further.
Acceptance of the General Terms and Conditions
22) This agreement is effective from the moment of acceptance by clicking on the "I Agree & Please Proceed to Payment Page" button, and shall remain in force indefinitely. For the avoidance of doubt it is agreed that you are bound by this Agreement upon using our Website.
