MIRA INFORM REPORT

 

 

Report Date :

26.10.2012

 

IDENTIFICATION DETAILS

 

Name :

VIA TECHNOLOGIES, INC.

 

 

Registered Office :

 

8F., No.535, Chung Chen Rd., Xindian Dist., New Taipei City 231

 

 

 

 

Country :

Taiwan

 

 

 

 

Financials (as on) :

30.09.2012

 

 

 

 

Date of Incorporation :

09.21.1992

 

 

 

 

Com. Reg. No.:

86870786

 

 

 

 

Legal Form :

Joint Stock Company

 

 

 

 

Line of Business :

Manufacturing and sales of electronic components, board, and system etc

 

 

 

 

No. of Employees :

About 1,200 Employees

 

 

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

 

Status :

Satisfactory

Payment Behaviour :

Slow but correct

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 – June 30th, 2012

 

Country Name

Previous Rating

(31.03.2011)

Current Rating

(30.06.2012)

Taiwan

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

TAIWAN - ECONOMIC OVERVIEW

 

Taiwan has a dynamic capitalist economy with gradually decreasing government guidance of investment and foreign trade. In keeping with this trend, some large, state-owned banks and industrial firms have been privatized. Exports, led by electronics, machinery, and petrochemicals have provided the primary impetus for economic development. This heavy dependence on exports exposes the economy to fluctuations in world demand. In 2009, Taiwan's GDP contracted 1.9%, due primarily to a 20% year-on-year decline in exports. In 2010 GDP grew 10.9%, as exports returned to the level of previous years, and in 2011, grew 5.2%. However, 2012 growth will likely be less, according to most forecasters, because of softening global demand. Taiwan's diplomatic isolation, low birth rate, and rapidly aging population are major long-term challenges. Free trade agreements have proliferated in East Asia over the past several years, but so far Taiwan has been excluded from this greater economic integration largely because of its diplomatic status with the exception of the landmark Economic Cooperation Framework Agreement (ECFA) signed with China in June 2010. The MA administration has said that the ECFA will serve as a stepping stone toward trade pacts with other regional partners, and negotiations on a deal with Singapore began this year. Follow-on components of ECFA, including deals on trade in goods, services, and investment, have yet to be completed. Taiwan's Total Fertility rate of just over one child per woman is among the lowest in the world, raising the prospect of future labor shortages, falling domestic demand, and declining tax revenues. Taiwan's population is aging quickly, with the number of people over 65 accounting for 10.9% of the island's total population as of 2011. The island runs a large trade surplus, and its foreign reserves are the world's fourth largest, behind China, Japan, and Russia. Since 2005 China has overtaken the US to become Taiwan's second-largest source of imports after Japan. China is also the island's number one destination for foreign direct investment. Three financial memorandums of understanding, covering banking, securities, and insurance, took effect in mid-January 2010, opening the island to greater investments from the mainland's financial firms and institutional investors, and providing new opportunities for Taiwan financial firms to operate in China. Closer economic links with the mainland bring greater opportunities for the Taiwan economy, but also poses new challenges as the island becomes more economically dependent on China while political differences remain unresolved.

Source : CIA


Contact Points

 

Company Name:

Via Technologies, Inc.

Supplied Name:

Canaan Wine Estate

Trading Address:

1F, 531, Zhongzheng Rd, Xindian District, New Taipei City 231, Taiwan, R.O.C.

Supplied Address:

Dong Huayuan Town 075421 Huailai Taiwan

Telephone Number:

+886-2-2218-5452

Fax Number:

+886-2-2218-5453

E-mail:

mkt@via.com.tw

Website:

www.viatech.com.tw

Notes: The supplied address belongs to subject’s a related company in mainland China and the supplied name also belongs to subject; the correct name and address are as above.

 

Credit Summary

 

Credit Opinion:

Business connections are permissible.

 

Company Identification Details

 

Registered Name:

Via Technologies, Inc.

Registered Address:

8F., No.535, Chung Chen Rd., Xindian Dist., New Taipei City 231, Taiwan (R.O.C.)

Date of Foundation:

1992-9-21

Registration Number:

86870786

Registry:

Department of Commerce, Ministry of Economic Affairs, R.O.C.

Registered Capital:

NTD 15,000,000,000 (USD 511,500,000)

(As of 2012.10, 1 NTD = 0.0341 USD)

Paid-up Capital:

NTD 4,933,034,410 (USD 168,216,473.381)

Legal Representatives:

Xuehong Wang

Legal Form:

Joint Stock Company

Principal Activities:

Manufacturing and sales of electronic components, board, and system etc

Staff:

About 1,200 Employees

Listed at Stock Exchange:

Yes; Stock Symbol: 2388

Date of Last Annual Return:

2012-8-20

 

History

 

Subject was incorporated on 1992-9-21 with registered number 86870786 as Joint Stock Company in Taiwan.

 

Awards

Year

Awards

2009

Blue chip importer and exporter

2010

Blue chip importer and exporter

 

Standard of Blue chip importer and exporter

Unit: USD

Year

Amount

2009

15,000,000

2010

20,000,000

 

Shareholders

 

Name

Subscription Shares

Xuehong Wang

34,629,196       

 

Wenqi Chen

 

7,353,682

 

Ziwu Lin

5,784,119

Hong Da International Electronic Corporation (Literal Translation)

8,546

Li Wei Investment Corporation (Literal Translation)

12,572,680

Yunming Xie

48,509

 

The information above is that of subject’s major shareholders.

 

Subsidiaries & Branches

 

Related Companies

1

Name

VIA Technologies (China) Co., Ltd.

Address

VIA Building, Tsinghua Science Park Building 7, No.1 Zhongguancun East Road, Haidian District, Beijing-100084 China

Telephone Number

+86-10-5985-2288

Fax Number

+86-10-5985-2299

2

Name

VIA Technologies (Shanghai) Co., Ltd.

Address

No.2537, Jinke Road , Zhangjiang Hi-Tech Park, Pudong New Area, Shanghai 201203, China

Telephone Number

+86-21-3876-4688

Fax Number

+86-21-5027-4863

3

Name

VIA Technologies (Shenzhen) Co., Ltd.

Address

18F, Fiyta Hi-tech Building, Gaoxinnanyi Avenue, Nanshan District, Shenzhen-518057 China

Telephone Number

+86-755-3363-0666

Fax Number

+86-755-3363-0688

4

Name

VIA Technologies, Japan K.K.

Address

3-15-7 Ebisu MT Bldg. 6F. Higashi, Shibuya-ku, Tokyo 150-0011 Japan

Telephone Number

+81-3-546-61637

Fax Number

+81-3-546-61638

5

Name

VIA Technologies, Korea

Address

2F, Sangjin Bldg., 417 Dogok-Dong, Gangnam-Gu, Seoul 135-854 Korea

Telephone Number

+82-2-571-2986

Fax Number

+82-2-571-2987

6

Name

VIA Technologies, GmbH, Germany

Address

In den Dauen 6, 53117 Bonn , Germany

Telephone Number

+49-228-688565-0

Fax Number

+49-228-688565-19

7

Name

VIA Technologies, Inc., USA

Address

940 Mission Court, Fremont, CA 94539 USA

Telephone Number

+1-510-683-3300

Fax Number

+1-510-687-4654

8

Name

VIA Centaur

Address

7600-C N. Capital of Texas Hwy, Suite 300, Austin, TX 78731, USA

9

Name

VIA Technologies CPU, Inc.

Address

701 Highlander Blvd., Suite 300, Arlington, Texas 76015, USA

 

Branch Companies

1

Name

Hsin-Chu Branch

Address

2F,9, Li-Hsin Rd. V. Science-Based Industrial Park, Hsin-Chu 300 Taiwan

Registration Number

12800034

Date of Registration

2001-12-12

Telephone Number

+886-3-666-7336

Fax Number

+886-3-666-7645

Status

Live Company

Manager Name

Wenqi Chen

Date of Last Annual Return

2001-12-12

2

Name

Kaohsiung Branch

Address

7F, 10, West 5th Rd., NanTze Export Processing Zone, Kaohsiung, 811, Taiwan

Registration Number

22101397

Date of Registration

1997-8-18

Telephone Number

+886-7-364-1047

Fax Number

+886-7-364-7739

Status

Live Company

Manager Name

Wenqi Chen

Date of Last Annual Return

1997-8-18

 

 

Personnel Information

Core Management

 

Directors

1

Name

Xuehong Wang

Position

Board Director

2

Name

Wenqi Chen

Position

Director

Date of Appointment

1997-12-31

3

Name

Ziwu Lin

Position

Director

Date of Appointment

1997-12-31

4

Name

Ziwu Lin

Position

Director

5

Name

Qingdong Liu

Position

Director

6

Name

Rijiang Yu

Position

Director

7

Name

Li Wei Investment Corporation (Literal Translation)

Position

Supervisor

8

Name

Yunming Xie

Position

Supervisor

 

Personnel Structure

 

Total Employees

About 1,200 Employees

 

Operation Information

 

Offices & Factories

 

 

Headquarters

Add

1F, 531, Zhongzheng Rd, Xindian District, New Taipei City 231, Taiwan, R.O.C.

 

Production Information

 

l         Subject is engaged in manufacturing of electronic components, board, and system etc.

l         Subject has factories in mainland China, USA, and Europe, etc for production.

 

Purchase Information

 

l         The registered activities of subject:

Business Code

Details

CC01060

Manufacturing of cable communication mechanical

CC01070

Manufacturing of wireless communication mechanical

CC01080

Manufacturing of electronic components

CC01110

Manufacturing of computer and office equipment

E605010

Installation of computer

F113050

Wholesale of computer and office equipment

F113070

Wholesale of telecom equipment

F118010

Wholesale of software

F119010

Wholesale of electronic materials

F213030

Retail of computer and office equipment

F213060

Retail of telecom equipment

F218010

Retail of software

F219010

Retail of electronic materials

F401010

International trade business

F401021

Import of telecommunication regulation Rf equipment

F601010

Intellectual property industry

I301010

Software service

I301020

Service of data processing

I501010

Product design

ZZ99999

Besides licensed business, all other business items those are not banned or restricted.

 

l         The components and raw materials for production are purchased both home and abroad.

 

Sales Information

 

l         Subject is engaged in sales of electronic components, board, and system, etc.

l         Subject’s sales regions include Asia, Europe, and America, etc.

l         Subject has their own brand “VIA”.

l         The products sold by subject are applied to PC, mobile, personal electronics, thin client and embedded device markets

 

Major products sold

Type

Product

Components

Processors, Chipsets, Graphics, Audio, Video Display

Embedded Products

Embedded Processing, Embedded Boards, Embedded Systems, ARTiGO & M'SERV

Systems

Notebooks & Mini-Notes, UMPCs & Tablet PCs, Power-Efficient PCs, Embedded Systems & Thin Clients

 

Import and export right:

Import right

Yes

Export right

Yes

 

Settlements

 

Purchase

 

Domestic Purchase (Taiwan and Mainland, China)

Product

Payment Terms

Proportion

Components and raw materials

COD, CBD, etc

100%

 

 

Foreign Purchase

Product

Payment Terms

Proportion

Components and raw materials

CBD, etc

100%

 

Sales

 

Domestic Markets (Taiwan and Mainland, China)

Product

Sales Terms

Proportion

Electronic components, etc

COD, CBD, Credit Sale, etc

100%

 

Export

Product

Sales Terms

Proportion

Electronic components, etc

CBD, etc

100%

Notes: Subject’s settlement for export is generally in USD

 

Financial Information

Unit: NTD/000

Date

2012-9-30

2011-9-30

Assets

 

 

Current Assets

 

 

Cash and cash equivalents

1,238,862.00

458,321.00

Financial assets measured at fair value through profit or loss - current

1,235,504.00

2,918,946.00

Available-for-sale financial assets - current

59,402.00

18,158.00

Notes receivable - net

9,212.00

16,164.00

Accounts receivable - net

59,698.00

193,504.00

Accounts receivable - related parties - net

124,396.00

116,671.00

Other receivables

96,204.00

88,739.00

Inventories

733,804.00

1,169,238.00

Other current assets

318,767.00

293,087.00

Current assets

3,875,849.00

5,272,828.00

Funds and Investments

 

 

Financial assets carried at cost - non current

23,223.00

54,065.00

Equity investments under equity method

2,345,129.00

1,995,419.00

Investments

2,345,129.00

1,995,419.00

Funds and long-term investments

2,368,352.00

2,049,484.00

Fixed Assets

 

 

Cost

 

 

Land

789,701.00

789,701.00

Buildings and structures

446,099.00

445,009.00

Machinery and equipment

27,826.00

27,024.00

Computer and telecommunication equipment

54,652.00

51,982.00

Testing equipment

37,427.00

32,088.00

Transportation equipment

2,987.00

2,987.00

Office equipment

959.00

1,034.00

Leasehold improvements

3,806.00

2,388.00

Fixed assets cost

1,363,457.00

1,352,213.00

Accumulated depreciation

-220,048.00

-190,395.00

Fixed assets

1,143,409.00

1,161,818.00

Intangible Assets

 

 

Patents

6,904.00

14,550.00

Intangible assets

6,904.00

14,550.00

OtherAssets

 

 

Rental assets

224,078.00

230,104.00

Guarantee deposits paid

13,594.00

13,683.00

Deferred charges

149,726.00

162,495.00

Deferred income tax assets - non current

18,788.00

156,443.00

Other assets

406,186.00

562,725.00

Assets

7,800,700.00

9,061,405.00

Liabilities and Stockholders' Equity

 

 

Liabilities

 

 

Current Liabilities

 

 

Financial liabilities measured at fair value through profit or loss - current

121.00

4,677.00

Notes payable

1,643.00

3,374.00

Accounts payable

517,774.00

764,364.00

Accounts payable - related parties

49,080.00

48,396.00

Accrued expenses

325,208.00

329,236.00

Long-term liabilities - current portion

0.00

1,080,000.00

Other current liabilities

237,759.00

190,595.00

Current liabilities

1,131,585.00

2,420,642.00

Long term Liabilities

 

 

Long-term borrowings

1,000,000.00

500,000.00

Long-term liabilities

1,000,000.00

500,000.00

Reserves

 

 

Other Liabilities

 

 

Other liabilities

279,550.00

159,828.00

Liabilities

2,411,135.00

3,080,470.00

Stockholders' Equity

 

 

Capital

 

 

Common stock

4,933,034.00

9,866,069.00

Capital Surplus

 

 

Capital surplus - long-term equity investments

257,461.00

257,461.00

Capital surplus

257,461.00

257,461.00

Retained Earnings

 

 

Unappropriated retained earnings

-440,410.00

-4,793,548.00

Retained earnings

-440,410.00

-4,793,548.00

Stockholders' Equity and Other adjustment

 

 

Cumulative translation adjustments

598,775.00

645,301.00

Unrealized gains (losses) on financial instruments

40,705.00

5,652.00

Equity adjustments

639,480.00

650,953.00

Stockholders’ equity

5,389,565.00

(USD 183,784,166.50)

5,980,935.00

(USD 203,949,883.50)

Number of treasury stock acquired by the company and subsidiaries (unit: share)

0.00

0.00

 

0.00

0.00

(As of 2012.10, 1 NTD = 0.0341 USD)

 

Profit and Loss Account

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Sales

2,815,440.00

(USD 96,006,504)

3,622,185.00

(USD 123,516,508.50)

Sales returns

2,461.00

9,680.00

Sales discounts and allowances

235,911.00

241,140.00

Sales

2,577,068.00

3,371,365.00

Other operating revenue

12,359.00

9,033.00

Operating income

2,589,427.00

3,380,398.00

Operating costs

1,699,338.00

2,182,545.00

Gross profit (loss) from operations

890,089.00

1,197,853.00

Unrealized gains on intercompany transactions

3,294.00

2,209.00

Realized gains on intercompany transactions

3,464.00

2,598.00

Selling expense

219,364.00

357,651.00

General and administrative expenses

271,198.00

286,217.00

Research and development expenses

741,020.00

779,592.00

Operating expenses

1,231,582.00

1,423,460.00

Operating income (loss)

-341,323.00

-225,218.00

Non-Operating Income

 

 

Interest income

4,204.00

2,095.00

Dividends

169,185.00

152,180.00

Investment income

169,185.00

152,180.00

Gains on disposal of fixed assets

490.00

1,523.00

Gains on sale of investments

155,594.00

6,670.00

Foreign exchange gains

16,286.00

28,247.00

Rent income

11,145.00

10,254.00

Reversal of provision for bad debts

5,104.00

5,953.00

Miscellaneous income

108,352.00

148,502.00

Non-operating revenues and gains

470,360.00

355,424.00

Non-Operating Expenses

 

 

Interest expense

5,936.00

19,678.00

Losses from long-term equity investments under the equity method

2,207,800.00

1,720,863.00

Investment loss

2,207,800.00

1,720,863.00

Impairment loss on assets

5,881.00

0.00

Revaluation loss on financial assets

884,626.00

754,530.00

Revaluation loss on financial liabilities

121.00

4,677.00

Miscellaneous disbursements

4,521.00

8,564.00

Non-operating expenses and losses

3,108,885.00

2,508,312.00

Income from continuing operations before income tax

-2,979,848.00

-2,378,106.00

Income tax expense (benefit)

56,989.00

276,973.00

Income from continuing operations

-3,036,837.00

-2,655,079.00

Net income (loss)

-3,036,837.00

(USD -103,556,141.70)

-2,655,079.00

(USD -90,538,193.90)

Primary Earnings per Share

 

 

Primary earnings per share

-6.16

-5.38

Diluted earnings per share

 

 

(As of 2012.10, 1 NTD = 0.0341 USD)

 

Cash Flows

Unit: NTD/000

Date

2012-1-1~2012-9-30

2011-1-1~2011-9-30

Net Income (Loss)

(3,036,837)

(2,655,079)

Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities

 

 

Depreciation Expense

26,752

31,837

Amortization Expense

49,440

58,773

Difference Between Net Pension Cost and Plan Contribution

-2,475

-2,820

Investment Loss (Income) Recognized under Equity Method

2,207,800

1,720,863

Cash Dividends Received from Investments Accounted for under Equity Method

20,323

48,721

Loss (Gain) on Disposal of Property, Plan and Equipment

-490

-1,523

Loss (Gain) on Disposal of Investments

-154,855

-5,954

Impairment Losses on Financial Asset

5,881

0

Loss (Gain) on Deferred Income Tax

57,000

276,471

Changes in Operating Assets and Liabilities

 

 

Decrease (Increase) in Financial Assets Held for Trading

884,626

754,530

Decrease (Increase) in Notes Receivable

2,647

23,068

Decrease (Increase) in Accounts Receivable

107,106

6,575

Decrease (Increase) in Accounts Receivable - Related Parties

-189

101,705

Decrease (Increase) in Other Receivables

16,769

18,676

Decrease (Increase) in Inventories

386,401

37,699

Decrease (Increase) in Other Current Assets

36,249

31,252

Increase (Decrease) in Financial Liabilities Held for Trading

-8,021

-2,610

Increase (Decrease) in Notes Payable

204

474

Increase (Decrease) in Accounts Payable

-107,354

-190,512

Increase (Decrease) in Accounts Payable - Related Parties

-27,070

-37,232

Increase (Decrease) in Income Tax Payable

0

-231,188

Increase (Decrease) in Accrued Expenses

-222,885

-275,531

Increase (Decrease) in Other Current Liabilities

20,935

-13,629

Increase (Decrease) in Deferred Credits

0

1,896

Net Cash Provided by (Used in) Operating Activities

261,957

-303,538

Cash Flows from Investing Activities

 

 

Proceeds from Disposal of Available-for-sale Financial Assets

169,764

18,173

Capital Reduction of Financial Assets Carried at Cost

1,386

0

Acquisition of Investments Accounted for by Equity Method

-751,746

-1,774,930

Purchase of Property, Plant and Equipment

-12,627

-13,375

Proceeds from Disposal of Property, Plant and Equipment

1,600

0

Decrease (Increase) in Refundable Deposits

89

109

Decrease (Increase) in Restricted Assets

-90,000

0

Purchase of Intangible Assets

-37,660

-184,793

Net Cash Provided by (Used in) Investing Activities

-719,194

-1,954,816

Cash Flows from Financing Activities

 

 

Proceeds from Long-term Debt

350,000

1,580,000

Increase (Decrease) in Guarantee Deposits Received

30

-3,203

Net Cash Provided by (Used in) Financing Activities

350,030

1,576,797

Net Increase (Decrease) in Cash and Cash Equivalents

-107,207

-681,557

Cash and Cash Equivalents, Beginning of year

1,346,069

1,139,878

Cash and Cash Equivalents, End of year

1,238,862

458,321

Supplemental Cash Flow Information

 

 

Interest Paid

5,765

18,951

Interest Paid- Excluding Capitalized Interest

5,765

18,951

Income Tax Paid

368

231,890

Non-cash Investing and Financing Activities

 

 

Current Portion of Long-term Liabilities

0

1,080,000

Property, Plan and Equipment Transferred to Rental Assets

0

12,990

Capital Surplus to Offset Accumulated Deficits

0

690,000

Others

8,290,831

6,991

Investing Activities Affecting Both Cash and Non-cash Items

 

 

Cash Paid for Acquisition of Property, Plant and Equipment

 

 

Increase in Property, Plant and Equipment

47,230

188,342

Increase (Decrease) in Payable for Equipment Purchased

3,057

9,826

Cash Paid for Acquisition of Property, Plant and Equipment

50,287

198,168

Cash Received from Disposal of Property, Plant and Equipment

 

 

Proceeds from Disposal of Property, Plant and Equipment

1,600

503

Decrease (Increase) in Other Receivables- Disposal of Property, Plant and Equipment

0

(503)

Cash received from Disposal of Long-term Investments under Equity Method

1,600

0

 

Bankers

 

Subject declined to disclose its bank details; from other source we cannot obtain the relevant information, either.

 

Public Record

 

Mortgage

 

No chattel mortgage record of subject has been found within the recent 3 months.

 

Lawsuit

 

Up to date of reporting, no existing or latent litigation of the subject has been found.

 

Interview Details

 

Name

Mr. Xie

Department

Sales Department

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.53.63

UK Pound

1

Rs.86.17

Euro

1

Rs.69.74

 

 

INFORMATION DETAILS

 

Report Prepared by :

PRL

 

 

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

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NB

New Business

 

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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.