When processing Personal Data, we may disclose such Personal Data to the following persons including but without limitation to any of our employees on a need-to-know basis, our auditors, lawyers, consultants, insurers, proposed insurers, advisers, bankers, agents, third party service providers (including law firms in other jurisdictions), business partners or associates who are under a duty of confidentiality to us, your employer and/ or business partners, government or quasi-government and regulatory authorities in Malaysia and in countries where we, our auditors, lawyers, advisers, bankers, agents, third party service providers (including law firms in other jurisdictions), business partners or associates have a presence or require approvals or are required to submit such information, all other persons or bodies who provide us with services necessary and/or incidental to our business including but not limited to credit checks with the Central Credit Bureau or such other bureau, authority or body whether or not established by Bank Negara Malaysia including Biro Maklumat Cek, Central Credit Reference Information System (CCRIS) and credit reporting agencies registered under the Credit Reporting Agencies Act 2010. We may process Personal Data including contacting you and/ or other third parties for the purpose(s) stated herein via telephone calls, text messaging, emails, cross-platform mobile messaging applications, post, facsimile, social media or by whatsoever form of available modes of communication.