MIRA INFORM REPORT

 

 

Report Date :

20.12.2013

 

IDENTIFICATION DETAILS

 

Name :

IGM ROBOTERSYSTEME AG

 

 

Formerly Known as: 

IG Unternehmensbeteiligungen GmbH 

 

 

Registered Office :

IZ NÖ-Süd, Straße  2a, Halle 8M, A-2355 Wiener Neudorf

 

 

Country :

Austria

 

 

Financials (as on) :

31.12.2012

 

 

Year of Establishments:

1967

 

 

Legal Form :

Joint Stock Company

 

 

Line of Business :

manufacturer of robots especially developed for arc welding.

 

 

No. of Employees :

93

 

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 :

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 – September 30th, 2013

 

Country Name

Previous Rating

(30.06.2013)

Current Rating

(30.09.2013)

Austria

A2

A2

 

Risk Category

ECGC Classification

 

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

austria ECONOMIC OVERVIEW

 

Austria, with its well-developed market economy, skilled labor force, and high standard of living, is closely tied to other EU economies, especially Germany's. Its economy features a large service sector, a sound industrial sector, and a small, but highly developed agricultural sector. Following several years of solid foreign demand for Austrian exports and record employment growth, the international financial crisis of 2008 and subsequent global economic downturn led to a sharp but brief recession. Austrian GDP contracted 3.8% in 2009 but saw positive growth of about 2% in 2010 and 2.7% in 2011. Growth fell to 0.6% in 2012. Unemployment did not rise as steeply in Austria as elsewhere in Europe, partly because the government subsidized reduced working hour schemes to allow companies to retain employees. The 2012 unemployment rate of 4.3% was the lowest within the EU. Stabilization measures, stimulus spending, and an income tax reform pushed the budget deficit to 4.5% in 2010 and 2.6% in 2011, from only about 0.9% in 2008. The international financial crisis of 2008 caused difficulties for Austria's largest banks whose extensive operations in central, eastern, and southeastern Europe faced large losses. The government provided bank support - including in some instances, nationalization - to support aggregate demand and stabilize the banking system. Austria's fiscal position compares favorably with other euro-zone countries, but it faces external risks, such as Austrian banks' continued exposure to Central and Eastern Europe as well as political and economic uncertainties caused by the European sovereign debt crisis. In 2011 the government attempted to pass a constitutional amendment limiting public debt to 60% of GDP by 2020, but it was unable to obtain sufficient support in parliament and instead passed the measure as a simple law. In March 2012, the Austrian parliament approved an austerity package consisting of a mix of expenditure cuts and new revenues that will bring public finances into balance by 2016. In 2012, the budget deficit rose to 3.1% of GDP.

                                                                            

Source : CIA

 


Basic company information

 

Company name:

igm Robotersysteme AG

Status:

active company

Locations:

IZ NÖ-Süd, Straße  2A, Objekt M8, A-2355 Wiener Neudorf

Phone:

0043 (2236) 6706

Fax:

0043 (2236) 6706 - 99101

E-mail:

office@igm-group.com

Internet:

www.igm.at

Activities:

manufacturer of robots especially developed for arc welding

 

It exports worldwide systems for the truck industry, the production of earthmoving machinery, railway construction, manufacture of boilers, and for shipbuilding, representing the basis of production for many well-known manufacturers. 

 

It offers complex customized solutions for automated welding and cutting processes. 

 

General Assessment:

 

Probability of Default (Basel II):

0,06%

Very low risk

comparison:

The Rating of this company is better than industry average.

Recommendation:

In respect to solvency reasons, there is nothing to say against an establishment of a business relationship.

 

Detail Assessment:

Payment 250

Payments are made within net agreements.

 

Assessment 250

Financial situation is satisfactory.

 

Additional company information

 

Year of incorporation:

1967

 

Activities:

 

 

Type of company:

Manufacturing

 

Legal form:

joint stock company since 2005-03-21

 

companies' house number:

FN 250953 z Wiener Neustadt 2004-07-30

 

VAT number:

ATU 61199045

 

number - Austrian National Bank:

6544347

 

 

Import 

Country 

 

 

 

Import

Germany

 

2013

 

 

Export 

Country 

 

 

 

Export

world-wide

 

2013

 

 

Financial data

 

total turnover (total sales)

2013

EUR  55.000.000,00

(expected)

total turnover (total sales)

2012

EUR  54.357.575,05

(exact)

total turnover (total sales)

2011

EUR  56.172.547,36

(exact)

total turnover (total sales)

2010

EUR  40.675.618,72

(exact)

total turnover (total sales)

2009

EUR  39.051.082,16

(exact)

total employees

2013

93

(exact)

white collar workers

2013

93

(exact)

total investments

2012

EUR  4.118.732,02

(exact)

total company vehicles

2013

12

(approx.)

 

Extraxt from the Companies' House

 

firm (style):

    6      igm Robotersysteme AG

legal form:

    6      Aktiengesellschaft

registered office:

    1      politischer Gemeinde Wiener Neudorf

business adress:

    6      IZ NÖ-Süd, Straße 2a, Halle 8M
           2355 Wiener Neudorf

capital:

    2      EUR 1.601.100

reference date annual accounts:

    4      31. Dezember

annual accounts:

   24      zum 31.12.2012 eingereicht am 13.08.2013

power of representation:

    6      Die Gesellschaft wird, wenn mehrere Vorstandsmitglieder
           bestellt sind, durch zwei Vorstandsmitglieder gemeinsam oder
           durch eines von ihnen gemeinsam mit einem Prokuristen
           vertreten.
           Der Aufsichtsrat kann einzelnen Vorstandsmitgliedern
           selbständige Vertretungsbefugnis erteilen.

board of directors:

         E   Dr. Johannes Franner, geb. 02.07.1968
    6        Mitglied
             vertritt seit 01.04.2005 gemeinsam mit
             einem weiteren Vorstandsmitglied oder einem Prokuristen
         F   Ing. Martin Merstallinger, geb. 31.12.1964
   18        Vorsitzender
             vertritt seit 01.04.2005 gemeinsam mit
             einem weiteren Vorstandsmitglied oder einem Prokuristen

proxy:

         M   Sabine Auer, geb. 25.12.1968
   14        vertritt seit 11.08.2009 gemeinsam mit
             einem Vorstandsmitglied oder einem weiteren Prokuristen
         N   Ing. Hans Schmerlaib, geb. 26.09.1964
   18        vertritt seit 14.07.2011 gemeinsam mit
             einem Vorstandsmitglied oder einem weiteren Prokuristen
         P   Markus Sammer, geb. 02.08.1970
   21        vertritt seit 29.12.2011 gemeinsam mit
             einem Vorstandsmitglied oder einem weiteren Prokuristen

supervisory board:

         H   Ing. Franz Vokurka, geb. 30.06.1934
   11        Vorsitzender
         I   Werner Rathfuss, geb. 22.11.1953
    7        Mitglied
         K   Josef Kreuzer, geb. 20.12.1961
    9        Mitglied
         L   Dr. Gerhard Kandler, geb. 30.11.1939
   20        Stellvertreter des Vorsitzenden
         O   Barbara Riedler, geb. 15.06.1963
   20        Mitglied

general table:

 Landesgericht Wiener Neustadt
   1 eingetragen am 30.07.2004                  Geschäftsfall   8 Fr  2704/04 z
       Antrag auf Neueintragung einer Firma  eingelangt am 23.07.2004
   2 eingetragen am 27.01.2005                  Geschäftsfall   8 Fr  2767/04 t
       Antrag auf Änderung  eingelangt am 25.01.2005
   3 eingetragen am 26.02.2005                  Geschäftsfall   8 Fr   638/05 w
       Antrag auf Änderung  eingelangt am 24.02.2005
   4 eingetragen am 01.03.2005                  Geschäftsfall   8 Fr   659/05 a
       Antrag auf Änderung  eingelangt am 24.02.2005
   5 eingetragen am 30.03.2005                  Geschäftsfall   8 Fr   970/05 h
       Antrag auf Änderung  eingelangt am 21.03.2005
   6 eingetragen am 01.04.2005                  Geschäftsfall   8 Fr  1066/05 z
       Antrag auf Änderung  eingelangt am 29.03.2005
   7 eingetragen am 13.04.2005                  Geschäftsfall   8 Fr  1213/05 s
       Antrag auf Änderung  eingelangt am 11.04.2005
   9 eingetragen am 20.01.2006                  Geschäftsfall   8 Fr    91/06 z
       Antrag auf Änderung  eingelangt am 10.01.2006
  10 eingetragen am 13.06.2006                  Geschäftsfall   8 Fr  2108/06 s
       Antrag auf Änderung  eingelangt am 09.06.2006
  11 eingetragen am 14.08.2007                  Geschäftsfall   8 Fr  2887/07 w
       Antrag auf Änderung 2006  eingelangt am 09.08.2007
  13 eingetragen am 13.08.2009                  Geschäftsfall   8 Fr  3372/09 a
       Antrag auf Änderung  eingelangt am 11.08.2009
  14 eingetragen am 15.08.2009                  Geschäftsfall   8 Fr  3396/09 k
       Berichtigung - Antrag  eingelangt am 13.08.2009
  17 eingetragen am 31.05.2011                  Geschäftsfall   8 Fr  1424/11 d
       Antrag auf Änderung  eingelangt am 26.05.2011
  18 eingetragen am 18.08.2011                  Geschäftsfall   8 Fr  2109/11 k
       Antrag auf Änderung  eingelangt am 08.08.2011
  20 eingetragen am 17.11.2011                  Geschäftsfall   8 Fr  3416/11 h
       Antrag auf Änderung  eingelangt am 10.11.2011
  21 eingetragen am 10.01.2012                  Geschäftsfall   8 Fr  3767/11 z
       Antrag auf Änderung  eingelangt am 30.12.2011
  22 eingetragen am 07.07.2012                  Geschäftsfall   8 Fr  1171/12 s
       Antrag auf Änderung  eingelangt am 04.07.2012
  24 eingetragen am 15.08.2013                  Geschäftsfall   1 Fr  5143/13 p
       Elektronische Einreichung Jahresabschluss  eingelangt am 13.08.2013

 

Real estate

 

Registration number of real estate  1660  Cadastral register  16128  Wiener Neudorf N  Number and date of entry  2211/2012  Status of  2012-07-17 

Part A - type of real estate  :

    GST-NR  G BA (NUTZUNG)          FLÄCHE  GST-ADRESSE
    197/33  G GST-Fläche        *     3251
              Bauf.(Gebäude)          1800
              Sonst(Betriebsf.)       1451  IZ NÖ-Süd Straße 2 a 0Obj.
    1  a 4952/1983 2524/2004 Zuschreibung Gst 197/33 aus EZ 681
   13  a 1000/2012 Zuschreibung Gst 197/54 aus EZ 1874
   14  a gelöscht
 

Part B - ownership details  :

    1 ANTEIL: 1/1
      igm Robotersysteme AG
      ADR: Industriezentrum NÖ-Süd, Straße 2a, Wiener Neudorf   2351
       a 4952/1983 Kaufvertrag 1983-05-09 Eigentumsrecht
       b 4952/1983 Vorkaufsrecht
       c 2036/1987 Vorkaufsrecht
       f 5032/2001 Änderung des Firmenwortlautes
 

Part C - registered charges  :

    3  a 4952/1983
           DIENSTBARKEIT des Regenwasserkanales, Fäkalkanales und der
           Trinkwasserleitung gem Pkt IV. Dienstbarkeitsvertrag
           1983-05-09 über Gst 197/33 für Industriezentrum NÖ-Süd Ges. m.b.H.
   13  a 3983/2005 Pfandurkunde 2005-06-02
           PFANDRECHT                              Höchstbetrag EUR 1.326.000,--
           für Österreichische Volksbanken-Aktiengesellschaft
       b gelöscht
   14  a 1000/2012
           VORKAUFSRECHT
           für ecoplus.Niederösterreichs Wirtschaftsagentur GmbH
           (FN 90237b)
            Eintragungen ohne Währungsbezeichnung sind Beträge in ATS
 

 

Private data

 

 

Surname

 

 

Date of birth

 

 

Address

 

 

Executive positions

 

Further executive positions (as registered in the companies' house)

Sabine Auer

 

1968-12-25 

 

2822 Bad Erlach Bauerngasse 104

joint signing clerk,

head of accounting

 

0

 

Markus Sammer

 

1970-08-02 

 

7091 Breitenbrunn Franz Schnell-Straße 43

joint signing clerk

 

0

 

Ing.  Hans Schmerlaib

1964-09-26 

2601 Sollenau Weidengasse 31

joint signing clerk,

technical director

0

Ing.  Martin Merstallinger

1964-12-31 

 

2362 Biedermannsdorf Finkenstraße 11

chairman of the executive board,

head of sales

 

4

 

Dr.  Johannes Franner

 

1968-07-02 

 

2355 Wiener Neudorf IZ NÖ Südstraße 2 (c/o)

member of the executive board

 

3

 

Ing.  Franz Vokurka

1934-06-30 

1140 Wien Minorgasse 60

chairman of the supervisory board

3

Dr.  Gerhard Kandler

 

1939-11-30 

 

2371 Hinterbrühl Hortigstraße 9

deputy chairman of the supervisory board

 

1

 

Josef Kreuzer

 

1961-12-20 

 

2355 Wiener Neudorf IZ NÖ Südstraße 2a(c/o)

member of the supervisory board

 

0

 

Werner Rathfuss

 

1953-11-22 

 

2753 Markt Piesting Schubertweg 5

member of the supervisory board

 

0

 

Barbara Riedler

1963-06-15 

1140 Wien Lautensackgasse 29

member of the supervisory board

6

Ing.  Martin Wihsbeck

 

  

 

2355 Wiener Neudorf IZ NÖ Südstraße 2a(c/o)

head of marketing

 

0

 

Gabriele Reif

 

  

 

2355 Wiener Neudorf IZ NÖ Südstraße 2a(c/o)

head of personnel

 

0

 

 

Balance Sheet 

(absolute) all amounts in EUR 

 

 

2012-12-31 

Franchises, patents, licences, trademarks and similar rights and advantages

92.591,47

Sum intangible assets

92.591,47

Land and leasehold rights with buildings thereon including building on land owned by third parties

2.336.020,90

Other operating and business equipment

1.195.953,58

Technical plants and machines

44.500,00

Sum tangible assets

3.576.474,48

Shares on related firms

8.752.605,54

Other shareholdings

66.362,52

Loans to related firms

7.072.119,74

Other financial assets, values and securities of fixed assets

1.743.927,96

Sum financial assets

17.635.015,76

Sum fixed assets

21.304.081,71

Raw-, auxiliary materials and supplies

1.814.788,64

Unfinished products

943.412,99

Finished products

481.398,24

Advanced payments

144.549,99

Sum stock

3.384.149,86

Claims from delivered goods and performed services

13.169.547,37

Claims against companies with shareholding relationship

36.580,06

Claims against related firmes Claims against companies with shareholding relationship

5.211.593,62

Special account claims

241.022,96

Sum claims

18.658.744,01

Cash on hand, cheques and bank deposits

4.205.879,64

Sum cash and bank

4.205.879,64

Sum current assets

26.248.773,51

Deferred charges

60.451,77

Sum deferred charges

60.451,77

Assets

47.613.306,99

Subscribed/declared capital

1.601.100,00

Legal reserves

160.110,00

Balance sheet profit/balance sheet loss

20.102.610,16

Thereof profit/loss carried forward

14.131.904,02

Sum equity capital

21.863.820,16

Valuation reserves and other reserves before taxes

35.809,10

Sum reserves before taxes

35.809,10

Investment contributions

2.570.716,30

Sum floor capital

2.570.716,30

Reserves for severance pays

1.411.528,20

Reserves for pensions

1.229.927,00

Tax reserves

1.833,32

Other reserves

8.844.284,52

Sum reserves

11.487.573,04

Liabilities against credit institutes

3.800.000,00

Received advanced payments for orders

5.317.368,22

Liabilities from delivered goods and performed services

2.070.791,29

Liabilities against related firms

76.417,98

Other liabilities

366.314,15

Sum liabilities

11.630.891,64

Deferred income

24.496,75

Sum deferred income

24.496,75

Liabilities

47.613.306,99

Balance sheet sum

47.613.306,99

 

P / L Account 

(absolute) all amounts in EUR 

 

 

2012-12-31 

Gross sales 

54.357.575,05

Total turnover or gross profit 

54.357.575,05

Profits from retirement of fixed assets, except financial assets 

83,33

Income from dissolution of reserves 

3.058.710,88

Other operating profits 

880.328,58

Other operating profits totally 

3.939.122,79

Other operating costs 

-18.000,00

Production costs of the services performed for the sales 

-42.970.653,77

Marketing costs 

-5.751.611,81

Administration costs 

-4.478.263,30

Total costs 

-53.218.528,88

Operating result totally 

5.078.168,96

Profits from shareholdings 

459.188,05

Income from other securities and loans of financial assets 

336.553,73

Interest income, securties income and similar income 

389.798,71

Interest and similar disbursements 

-162.645,09

Financial profits totally 

1.022.895,40

Results from usual business activity totally 

6.101.064,36

Taxes on income and profits 

-130.358,22

Taxes on income and profits totally 

-130.358,22

Annual surplus/annual deficit totally 

5.970.706,14

Annual profit/annual loss totally 

5.970.706,14

Profit and loss carried forward from previous year 

14.131.904,02

Transfer of profits totally 

14.131.904,02

B/S profit/ B/S loss from profit and loss account 

20.102.610,16

 

Key ratios

 

 

2012  

Cash flow II

  5.970.706,14

Debt amortisation period

  2,27

Bank indebtedness

  7,98

Equity capital share

  57,85

Social capital share

  5,54

Fixed assets coverage

  127,26

Net profit ratio

  11,22

Capital turnover

  1,14

Return on investment

  13,15

Cash flow in % of operating performance

  10,98

Cash flow I

  6.101.064,36

Gross productivity

  0,00

Net productivity

  0,00

Operating performance

  54.357.575,05

Inventories in % of operating performance

  6,22

Gross profit

  54.357.575,05

 

Locations

 

Type

Locations

Description

 

 

E-mail 

operational 

IZ NÖ-Süd, Straße  2a, Halle 8M, A-2355 Wiener Neudorf

registered office 

 

 

 

operational 

IZ NÖ-Süd, Straße  2A, Objekt M8, A-2355 Wiener Neudorf

registered headquarters 

 

 

office@igm-group.com

operational 

Schottweg  4, A-4030 Linz

branch office 

 

 

 

former 

Walfischgasse  5, A-1010 Wien

registered office 

 

 

 

former 

Benzstraße  11a, D-82178 Puchheim

branch agency 

 

related companies

 

Company name

 

Postal code

 

Stake in %

 

 

Companies House

 

Shares in this company are held by:

Global Welding Technologies AG

IZ NÖ-Süd, Straße  2A/Objekt 8M, A-2355 Wiener Neudorf

100 %  

 

 

FN 243099 z

 

VOK Privatstiftung

 

Hietzinger Hauptstraße  122/II/1, A-1130 Wien

 

 

 

FN 203845 y

 

JANUS Consulting GmbH

 

Jagdschloßgasse  77-79/34, A-1130 Wien

 

 

 

FN 303104 t

 

AKM Unternehmensberatungs GmbH

Fasanstraße  4b, A-2362 Biedermannsdorf

 

 

 

FN 303196 b

 

 

Bankers

 

Banker

Bank sort code

Type of banking connection

Investkredit Bank AG, 1013 Wien

 

18160

 

main bank connection

 

UniCredit Bank Austria AG, 1011 Wien

 

12000

 

secondary banking connection

 

Credit Lyonnais Bank (Austria) Aktienges., 1011 Wien

 

18180

 

secondary banking connection

 

Intesa Sanpaolo S.p.A., 1010 Wien

 

19640

 

secondary banking connection

 

Erste Bank der oesterreichischen Sparkassen AG, 1011 Wien

 

20111

 

secondary banking connection

 

 

Historical development

 

Year of incorporation:

1967

Date of registration:

2004-07-30

 

Change of company name:

From

To

Company name

   

  2005-04-01

IG Unternehmensbeteiligungen GmbH 

  2005-04-01

   

igm Robotersysteme AG 

 

Change of legal form:

From

To

Legal form

   

  2005-04-01

limited liability company 

  2005-04-01

   

joint stock company 

 

Change in share capital:

From

To

Capital

   

  2005-01-27

EUR  35.000,00

  2005-01-27

   

EUR  1.601.100,00

 

Former executives:

From

To

Function

Name

  2004-07-30

  2005-04-01

manager 

Dr. Erhard Grossnigg 

  2005-04-01

  2011-08-18

chairman of the executive board 

Dr. Michael Schur 

  2005-04-01

  2011-08-18

member of the executive board 

Ing. Martin Merstallinger 

  2005-04-01

  2007-08-14

chairman of the supervisory board 

Dr. Erhard Grossnigg 

  2005-04-01

  2006-06-13

deputy chairman of the supervisory board 

Dr.jur. Erich Proksch 

  2006-06-13

  2007-08-14

deputy chairman of the supervisory board 

Dr. Gerhard Kandler 

  2007-08-14

  2011-11-17

deputy chairman of the supervisory board 

Dr. Erhard Grossnigg 

  2005-04-13

  2006-01-20

member of the supervisory board 

Ing. Günther Germ 

  2005-04-01

  2007-08-14

member of the supervisory board 

Ing. Franz Vokurka 

  2007-08-14

  2011-11-17

member of the supervisory board 

Dr. Gerhard Kandler 

 

Former shareholders:

From

To

Function

Name

  2004-07-30

  2005-04-01

partner 

Dr. Schur Unternehmensberatung GmbH 

  2004-07-30

  2005-04-01

partner 

Investment und Engeneering Aktiengesellschaft 

  2004-07-30

  2005-04-01

partner 

Dr. Erhard Grossnigg 

  2004-07-30

  2005-04-01

partner 

Dr. Michael Schur 

 

Former shareholdings:

From

To

Name

   

 

igm Robotersysteme AG 

 

Mergers:

Date

Function

Name

  2005-03-31

merged with 

igm Robotersysteme AG 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.38

UK Pound

1

Rs.102.15

Euro

1

Rs.85.29

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

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.