MIRA INFORM REPORT

 

 

Report Date :           

23.04.2012

 

IDENTIFICATION DETAILS

 

Name :

UNION OFFSET CO. PTY. LIMITED

 

 

Registered Office :

C/O Opus Group Limited, 12 Rachael Close, Silverwater,  New South Wales, Zip/Postal Code 2128

 

 

Country :

Australia

 

 

Financials (as on) :

31.12.2011

 

 

Date of Incorporation :

24.08.1967

 

 

Com. Reg. No.:

58008458099

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

Commercial Printing Services

 

 

No. of Employees :

20

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Maximum Credit Limit :

USD 220,000

 

 

Status :

Satisfactory

 

 

Payment Behaviour :

No Complaints

 

 

Litigation :

Clear

 

 

NOTES:

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March 31st, 2012

 

Country Name

Previous Rating

                   (31.12.2011)                  

Current Rating

(31.03.2012)

Australia

a1

a1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 Bottom of Form

Identification details  Bottom of Form

 

 

Verified Address

 

Subject name : UNION OFFSET CO. PTY. LIMITED

 

Business address :       16 Nyrang Street

Town :                           Fyshwick

Province :                      Australian Capital Territory

Zip/postal code :            2609

Country :                       Australia

Tel :                              +61 2 62954500

Fax :                             +61 2 62954567

Email :              office@unionoffset.com.au

Website :                      www.unionoffset.com.au

 

Registered address :    C/o OPUS GROUP LIMITED

12 Rachael Close

Town :                           Silverwater

Province :                      New South Wales

Zip/postal code :            2128

Country :                       Australia

 

Postal address :           P.O. Box 7575

Town :                           Canberra BC

Province :                      Australian Capital Territory

Zip/postal code :            2610

Country :                       Australia

 

 

Summary details

 

Executive Summary

Date founded or registered :        24/08/1967

Legal form :                               Australian Proprietary Company

Chief executive :                        David Daniel

Issued & paid up capital :           AUD 120,000

Sales turnover :              AUD 79,650,000 (Group-consolidated 12 months, 30/06/2011)

Net income :                              AUD -5,229,000 (Group-consolidated 12 months, 30/06/2011)

Total fixed assets :                     AUD 94,737,000 (Group-consolidated 12 months, 30/06/2011)

Line of business :                       Commercial printing services.

Staff employed :                         20 employees (Subject)

 

 


Credit risk opinion

 

Company Analysis

Country risk :                             Country risk is minimal

Operation trend :                        Operational trend is progressing

Management experience :           Management is reasonably experienced

Financial performance :              Financial performance is recovering

Organization structure :              Organizational structure is stable

Detrimental :                  No detrimental records found

Payment history :                      No payment delays noted

Credit amount suggestion :         USD 220,000

Credit amount asked :                USD 100,000

 

 

Statutory details

 

Registry Data

Registration date :                      24/08/1967

Legal form :                               Australian Proprietary Company

Registration no                          Australian Company Number: 008458099

Registered authority :                 Australian Securities and Investments Commission

Fiscal/ Tax no :                          Australian Business Number: 58008458099

Registry status :                        Live/Active

Previous name :                         None reported.

Change of legal form :                 None reported.

 

 

Management / directors

 

Key Management

Name :              David Daniel

Designation :     General Manager

 

Name :              Paul Casey

Designation :     Accounts Manager

 

 

Board of directors / other appointments

 

Appointments

Name :                          Richard Francis Celarc

Designation :                 Director

Appointment date :         20/03/09

Address :                      14 Goobarah Road

Burraneer, NSW 2230

Australia

Biography :                    Born on 31-05-1956 in Manly, New South Wales, Australia.

Mr Celarc co-founded Ligare Australia in 1979 and is a foundation shareholder. He initially served as Ligare’s accountant, bringing a strong focus on costs and funding the growth of the business from its infancy. Mr Celarc acquired full ownership of Ligare Australia in 1996 and grew the business into the largest specialist book printer in New South Wales. He currently leads the OPUS Group’s best practice programme, working with the OPUS Businesses to further develop operating efficiencies and ensure industry leading practice. This includes executing the ‘lean manufacturing’ programme. Mr Celarc has been a key driver of the group’s cross-site production strategy, ensuring the best use of equipment across the OPUS Group to deliver optimal customer outcomes, and was instrumental in the establishment of the 'greenfield' Ligare NZ operation. Having been a print business owner for over 30 years, Richard has a wealth of industry knowledge and operational experience.

 

Name :                          Bret Paul Jackson

Designation :                 Director

Appointment date :         20/03/09

Address :                      49 Sunnyside Road, Rd 3

Albany, Auckland 0793

New Zealand

Biography :                    Born on 29-12-1971 in Winton, New Zealand.

 

 

Mr Jackson is a co-founder of Knox Investment Partners, a managing director of the firm and the chairman of Funds I – IV (entities from Fund III are OPUS Shareholders). Mr Jackson is experienced in all aspects of private equity including strategic value creation, fund raising, deal origination and portfolio management and realisations. Further experience was with the Boston Consulting Group in Sydney and London including projects across Australia, Asia and Europe in multiple industries.

 

Mr Jackson has an MBA from Harvard Business School and an Honours Degree in Commerce from Otago University. He is currently the president of the Harvard Business School Association of New Zealand alumni.

 

Name :                          William John Mackarell

Designation :                 Director

Appointment date :         30/03/12

Address :                      Unit 4, 17-19 Waratah Street

Rushcutters Bay, NSW 2011

Australia

 

Biography :                    Born on 02-09-1939 in Sydney, New South Wales, Australia.

 

Mr Mackarell brings considerable experience in publishing and senior executive development to the Board, including over 40 years experience in the international publishing industry. He has served as the CEO of the Law Book Company and its affiliates (Australian subsidiaries of Thomson Reuters) and CEO of Associated Book Publishers (Aust). Mr Mackarell was a Board member of the Australian Publishers Association, including serving as President. He also had a lead role in establishing Copyright Agency Limited, including serving as Chairman.

 

For 12 years Mr Mackarell was a Group Chair of The Executive Connection and acted as a mentor to CEOs from a wide variety of industries. Recently, he jointly founded Coraggio Pty Ltd, an organisation committed to improving CEO performance and leadership skills. Mr Mackarell currently serves as a director for Coraggio Pty Ltd, Murdoch Books Pty Ltd and Device Technologies Australia Pty Ltd.

 

Mr Mackarell is a graduate of the University of Sydney and holds a Masters Degree in Education. He is a Fellow of the Australian Institute of Company Directors and a Fellow of the Australian Institute of Management.


Name :                          Simon Allen Rowell

Designation :                 Director

Appointment date :         30/03/12

Address :                      23 New Beach Road

Darling Point, NSW 2027

Australia

Biography :                    Born on 20-10-1954 in Stafford, United Kingdom.

 

Mr Rowell was appointed a Director of McPherson's Limited in 2003 and was Chairman from 31 August 2007 until his retirement as a Director on 18 November 2011. He is the former Managing Director of Snack Foods Ltd, Australia's largest listed snackfood company  which was acquired by Arnott's Biscuits Ltd in 2002. Prior to Snack

Foods, he spent 12 years as CEO of the Jack Chia Group, a diversified business including consumer products, engineering, textiles, property and finance. He was formerly Chairman of Savcor Group Ltd, Greens Foods Ltd and MMC Contrarian Ltd. Mr Rowell is a Chartered Accountant and has an honours degree in Arts.

 

Name :                          James Matheson Sclater

Designation :                 Director

Appointment date :         30/03/12

Address :                      27 Hauraki Road

Takapuna, Auckland 0622

New Zealand

Biography :                    Born on 07-10-1959 in Wellington, New Zealand.

 

Mr Sclater is a professional director and trustee acting for a number of companies and investment trusts including the New Zealand listed public company Hellaby Holdings Limited, ProCare Health and Damar Industries.

 

Mr Sclater is a chartered accountant and a member of the New Zealand Institute of Chartered Accountants and Institute of Directors. Prior to 2009, Mr Sclater was chairman of Grant Thornton Auckland, where he was a business advisory services director for 18 years, specialising in SME accounting, taxation and management advice. Mr Sclater has a Bachelor of Commerce degree from the University of Auckland.

 

Name :                          Matthew John McGrath

Designation :                 Director

Appointment date :         30/03/12

Address :                      41 Pacific Road

Palm Beach, NSW 2108

Australia

Biography :                    Born on 26-10-1960 in Sydney, New South Wales, Australia.

 

Mr McGrath is a highly respected media figure, having been executive chairman and CEO of Y&R Brands, one of Australasia’s largest advertising groups comprising 10 agency businesses. He brings significant marketing and strategic business development experience to the Board. Mr McGrath has 20 years experience as a creative director for George Patterson and Y&R Australia and New Zealand, and as chief creative officer for Y&R Brands. He currently sits on the board of Transaction Media, a joint venture company with ASX listed Customers Limited. Mr McGrath has served on the Global Management Board at Y&R Brands and on the Global Creative Board

at Bates Worldwide and Y&R Brands.

 

Mr McGrath holds a Bachelor of Arts in Media Studies from RMIT in Melbourne.


Name :                          Philip Ross Bennett

Designation :                 Company Secretary

Appointment date :         30/03/12

Address :                      35 Oakern Street

Mount Waverley, VIC 3149

Australia

Biography :                    Born on 01-10-1955 in Warragul, Victoria, Australia.

Staff employed :             20 employees (Subject)

 

 

Share capital

 

Composition

Authorized Capital :        AUD 120,000

No of shares :                120,000 Ordinary Shares

Share par value :            AUD 1

Issued capital :              AUD 120,000

Paid up capital :             AUD 120,000

 

 

ownership / shareholders

 

How listed :                   Full List

 

Composition

Shareholder name :        CANPRINT HOLDINGS PTY LTD

Address :                      12 Rachael Close

Silverwater, NSW 2128

Australia

No. of shares :               120,000 Ordinary Shares

% of shares :                 100%

 

 

Related companies & corporate Affiliations

 

Structure

Name :                          OPUS GROUP LIMITED

Affiliation type :              Ultimate Holding Company

Address :                      12 Rachael Close

Silverwater, NSW 2128

Australia

Comments :                  The company was listed on the Australian Stock Exchange on 10 April, 2012.

 


Name :                          CANPRINT HOLDINGS PTY LTD

Affiliation type :              Parent Company

Address :                      12 Rachael Close

Silverwater, NSW 2128

Australia

 

Name :                          CANPRINT COMMUNICATIONS PTY LIMITED

Affiliation type :              Sister Company

Address :                      16 Nyrang Street

Fyshwick, ACT 2609

 

Name :                          OPUS GROUP (AUSTRALIA) PTY LIMITED

Affiliation type :              Sister Company

Address :                      12 Rachael Close

Silverwater, NSW 2128

Australia

 

Name :                          LIGARE PTY LTD

Affiliation type : S           Sister Company

Address :                      138-152 Bonds Road

Riverwood, NSW 2210

Australia

 

Name :                          CACTUS IMAGING PTY. LTD.

Affiliation type :              Sister Company

Address :                      12 Rachael Close

Silverwater, NSW 2128

Australia

 

Name :                          OPUS PRINT GROUP LIMITED

Affiliation type :              Sister Company

Address :                      10 Normanby Road

Mount Eden, Auckland 1024

New Zealand

 

Name :                          OPUS GROUP NZ HOLDINGS LIMITED

Affiliation type :              Sister Company

Address :                      10 Normanby Road

Mount Eden, Auckland 1024

New Zealand

 

Name :                          OMNIGRAPHICS LIMITED

Affiliation type :              Sister Company

Address :                      10 Normanby Road

Mount Eden, Auckland 1024

New Zealand


Name :                          LIGARE LIMITED

Affiliation type :              Sister Company

Address :                      235 Archers Road

Glenfield, Auckland 0629

New Zealand

 

Related companies and corporate affiliations comments

Other companies of the Opus Group should be considered affiliates of the Subject.

 

 

Bank & mortgages

 

Bank Details

Name of bank :              Australian and New Zealand Banking Group Limited

Address :                      Australia

Account details :            Current Account

 

Name of bank :              National Australia Bank Limited

Address :                      Australia

Account details :            Current Account

 

Comments :                  It is generally not the policy of local banks to provide credit status information to non

related parties, however interested parties would be advised to consult first with the Subject if banker's references are required.

 

Mortgages :                  None reported.

 

Legal Fillings

Bankruptcy fillings :        None reported.

Court judgements :         None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

 

financial data

 

Description

Source of financial statement :    Public Record Sources

Financial statement date :          30/06/11

Type of accounts :                     Full audited

Currency :                                 Australia Dollar (AUD)

Exchange rate :                         1 USD = AUD 0.97 as of 20-04-2012




Summarized Financial Information

 

Consolidation type :                   Group Consolidated        Group Consolidated                    Group Consolidated

Currency :                                 Australia Dollar (AUD)    Australia Dollar (AUD)                Australia Dollar (AUD)

Denomination :                          (x1) One                        (x1) One                                    (x1) One

Date of financial year end :          31/12/11                        30/06/11                                    30/06/10

Length of accounts :                   6 months                       12 months                                 12 months

Sale turnover / Income : 45,607,000                    79,650,000                                73,335,000

Gross profit :                             17,675,000                    30,289,000                                27,800,000

Operating profit :                                    ---                     -104,000                                    6,034,000

Profit before tax :                       3,023,000                      -5,651,000                                 3,822,000

Net income :                              2,388,000                      -5,229,000                                1,463,000

Non current assets :                   72,972,000                    74,319,000                                55,403,000

Current assets :                         23,929,000                    20,418,000                                20,664,000

Inventories :                               3,933,000                      3,649,000                                  2,754,000

Total assets :                            96,901,000                    94,737,000                                76,067,000

Current liabilities :                      45,677,000                    71,061,000                                25,182,000

Non current liabilities :                27,647,000                    1,590,000                                  22,914,000

Total liabilities :                          73,324,000                    72,651,000                               48,096,000

Share equity :                            23,577,000                    22,086,000                                27,971,000

Retained earning :                      1,107,000                      -1,281,000                                3,948,000

 

Comments :                              The group’s consolidated financial information above relates to the Subject’s

Ultimate Holding Company Opus Group Limited and all its subsidiaries which include the Subject.

 

 

Operation details

 

Main activities :                          The Subject is engaged in providing commercial printing services.

 

The Subject is part of OPUS Group Limited, a company listed on Australian Stock Exchange on 10 April 2012. OPUS Group Limited is a technology based integrated business services and solutions group of companies with operations in Australia, New Zealand and Singapore.

 

OPUS Group Limited has 3 divisions — Publishing, Government and Outdoor.

 

PUBLISHING DIVISION

Production and distribution of published publications including electronic delivery of online material, regional production of scientific, medical, technical and scholarly journals, loose leaf manuals and primary, secondary and higher education texts.

 

Core Customers:

Major global publishers of educational, legal, accounting and taxation publications

 

Core Products:

Books

Journals

Manuals

Loose-leaf publications

Binders

Core Services:

Design & prepress

Web & sheet-fed printing (offset and digital)

 

Binding (Perfect, burst, section sewing, wiro, saddle stich and hard cover case binding)

Shrink wrapping & banding

Bulk mailing & distribution

Digital asset management / content management

Back catalogue fulfilment

Warehousing & inventory management

 

GOVERNMENT DIVISION

Secure Government communication requirements including document production, web hosting, electronic fulfilment, call centre, warehousing and logistics for the Australian Federal Government, State Governments and Local Councils.

Core Customers:

Australian Federal Government Departments, Authorities, National

Organisations, State Governments and Local Councils.

 

OUTDOOR DIVISION

OPUS Group’s Outdoor Division is the largest provider of grand and large format printing for Outdoor advertising in Australasia. This involves the creation, production and distribution of Outdoor advertising material and corporate signage, such as billboards, bus advertising, retail displays, vehicle wraps and trade exhibitions.

 

Outdoor advertising is increasingly being located inside high traffic buildings such as shopping centres. The innovative nature of large format printing means the division prints on a wide variety of flexible and rigid materials including vinyl, mesh, paper, canvas, cloth, wood, glass and plastic.

 

Core Customers:

Advertising agencies, outdoor media companies and direct corporate clients.

Product & services : Offset Printing

Digital Printing

Finishing/Binding

Prepress

 

Purchases

International :                 China, Singapore, India

 

Sales

Local :                          Yes

International :                 New Zealand, Pacific Islands

Key events :                  10 April 2012

Opus Group Shares List On ASX

 

Shares in OPUS Group (OPG) today commenced trading on the Australian Securities Exchange.

 

Chairman of OPUS Group, Bill Mackarell attended the Australian Securities Exchange in Sydney today to launch the company saying the listing marked a coming of age for the business, its management and its customers.


“We have been working towards this day for the last five months, and are well positioned to integrate McPherson Printing Group (MPG) with OPUS,”

Mr Mackarell said.

 

OPUS is renowned for providing specialist business services and communication solutions across the Asia Pacific region, with its three divisions; outdoor media, government communications and publishing, leaders in their respective fields.

 

The company will benefit from a greater geographical spread of production and sales facilities, with the merger putting OPUS Group at the forefront of  book publishing in Australia.

 

The board believes there is substantial upside for the new company as there is only limited overlap between the existing customer bases and market segments serviced by the OPUS Group, and the merger has provided improved access to new customers and markets for each business as well as regional cross selling opportunities.

 

‘With the new entity, we are aiming to continue to deliver the superior EBITDA margins which make us stand out from our peers in the industry,”

 

Mr Mackarell said.

 

“The board and management are excited about the future for OPUS Group and are absolutely committed to making OPUS Group a bigger and stronger company.”

 

22 March 2012

 

MPG Shareholders Approve Opus Group Acquisition Shareholders in MPG Printing Limited have voted overwhelmingly in favour of the acquisition of OPUS Group, an Asia-Pacific business services and communications solutions group.

 

Ninety-seven per cent of the votes cast at the shareholders meeting on 21st March supported the acquisition.

Shareholders also approved the change of company name to OPUS Group Limited, and elected Bill Mackarell, Richard Celarc, Bret Jackson, Matthew McGrath, and James Sclater as directors.

 

Mr Mackarell will become the Chairman of the OPUS Group. Mr Mackarell thanked the MPG shareholders for their approval of the deal.

 

“The board believes there are significant synergies from the combined group” Mr Mackarell said.

 

“OPUS Group’s three divisions; publishing, government and outdoor area are each leaders in their field, and the OPUS Group is very complementary to the existing MPG business. MPG stands to benefit significantly by being

able to leverage OPUS’s substantial network spanning the Asia Pacific region as well as the latest in Digital Asset Management, specifically electronic content and delivery.”

 

“OPUS also brings what I believe is the industry leading management team with exceptional knowledge and experience. Chief Executive, Cliff Brigstocke has led the

 

OPUS Group since its inception and has been instrumental in acquiring, integrating and developing each of the businesses in the OPUS Group.”


 

Completion of the acquisition is expected to occur on 30 March 2012, and an application has been made to the Australian Securities Exchange to list the new combined entity on the ASX, with the anticipated listing date 10 April 2012.

 

MPG Printing, which is a leading producer of books and other high quality printed materials, became an independent company on 31 January, when it demerged from McPherson’s Limited.

 

Property & Assets

Premises :                    The Subject operates from premises located at the verified heading address consisting of administrative office and printing facilities.

 

 

Summarized country risk

 

Central bank                                          :   Reserve Bank of Australia

Reserve of foreign exchange & gold         :   US$ 43.879 billion

Gross domestic product – GDP               :   US$ 1.448 trillion

 

GPP (Purchasing power parity)               :   918.529 billion of International dollars

 

GDP per capita - current prices               :   US$ 64,351

 

GDP - composition by sector                  :   agriculture: 4.1% industry: 26% services: 70%

 

Inflation :                                               2008: 4.4%

2009: 1.8%

2010: 2.8%

2011: 3.0%

 

Unemployment rate                                2008: 4.2 %

2009: 5.6 %

2010:5.2  %

2011: 5.0%

 

Public debt

(General Government gross

debt as a % GDP)                                  2008:  11.6%

2009:  17.6%

2010:    22.3 %

2011:    24.1%

 

 

Government bond ratings                        Standard & Poor's: AAA-/Stable/A-1+

Moody's rating: Aaa

Moody's outlook: STA

 

Market value of publicly traded shares      US$ 1.258 trillion

 

Largest companies in the country         :   Westpac Banking Group (Major Banks), BHP Billiton (Diversified Metals & Mining), Commonwealth Bank (Major Banks), National Australia Bank (Major Banks), ANZ Banking (Major Banks), Telstra (Telecommunications services), Wesfarmers (Food Retail)

 

Trade & Competitiveness Overview

 

Total exports                                         US$210.7 billion

 

Exports commodities                             coal, iron ore, gold, meat, wool, alumina, wheat

 

Total imports                                         US$187.2 billion

 

Imports commodities                             machinery and transport equipment, computers and office machines, telecommunication equipment and parts, crude oil and petroleum products

 

Export - major partners                           Japan 18.9%, China 14.2%, South Korea 8%, US 6%, NZ 5.6%, India

5.5%, UK 4.2%

 

Import - major partners                           China 15.5%, US 12.8%, Japan 9.6%, Singapore 5.6%, Germany

5.2%, UK 4.3%, Thailand 4.2%

 

FDI Inflows                                            2008: US$46,722 million

2009: US$22,572 million

2010: US$32,472 million

 

 

 

FDI Outflows                                                                          2008: US$32,819 million

2009: US$18,426 million

2010: US$26,431 million

 

 

Best countries for doing business           :   10 out of 183 countries

Global competitiveness ranking               :   20 (ranking by country on a basis of 142, the first is the best)

 

 

Country and Population Overview

Total population                                    : 22.23 million

Total area                                             : 7,692,024 km2

Capital                                                 :  Canberra

Currency                                                                                                      :   Australian Dollars (AUD)

Internet users as % of total population     : 76.00%

 

 


Payment history

 

Purchase Term

International :                 Prepayment, Telegraphic transfer, Credit 30-90 days

 

Sales Term

Local :                          Prepayment, Bank transfer, Credit 30-90 days

International :                 Prepayment, Telegraphic transfer, Credit 30-90 days

 

Trade Reference/ Payment Behaviour

Comments :                  As local and international trade references were not supplied, the Subject's payment

track record history cannot be appropriately determined but based on our research, payments are believed to be met without delay.

 

Investigation Note

Sources :                      Interviews and material provided by the Subject

Other official and local business sources


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.51.99

UK Pound

1

Rs.83.54

Euro

1

Rs.63.40

 

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.