MIRA INFORM REPORT

 

 

Report Date :

04.01.2013

 

IDENTIFICATION DETAILS

 

Name :

HILLSIDE ALUMINIUM LTD

 

 

Formerly Known As :

HILLSIDE ALUMINIUM (PTY) LTD

 

 

Registered Office :

9 West Central Arterial, Richards Bay, Kwazulu-Natal, 3900

 

 

Country :

South Africa

 

 

Date of Incorporation :

23.02.2001

 

 

Com. Reg. No.:

M2001/004091/06

 

 

Legal Form :

Limited Company

 

 

Line of Business :

Mining Sector

 

 

No. of Employees :

1500

 

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 :

Good

Payment Behaviour :

Regular

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)

South Africa

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SOUTH AFRICA - ECONOMIC OVERVIEW

 

South Africa is a middle-income, emerging market with an abundant supply of natural resources; well-developed financial, legal, communications, energy, and transport sectors; a stock exchange that is the 18th largest in the world; and modern infrastructure supporting a relatively efficient distribution of goods to major urban centers throughout the region. Growth was robust from 2004 to 2007 as South Africa reaped the benefits of macroeconomic stability and a global commodities boom but began to slow in the second half of 2007 due to an electricity crisis and the subsequent global financial crisis' impact on commodity prices and demand. GDP fell nearly 2% in 2009 but recovered in 2010-11. Unemployment remains high and outdated infrastructure has constrained growth. State power supplier Eskom encountered problems with aging plants and meeting electricity demand necessitating "load-shedding" cuts in 2007 and 2008 to residents and businesses in the major cities. Daunting economic problems remain from the apartheid era - especially poverty, lack of economic empowerment among the disadvantaged groups, and a shortage of public transportation. South Africa''s economic policy is fiscally conservative focusing on controlling inflation and attaining a budget surplus. The current government largely follows these prudent policies but must contend with the impact of the global crisis and is facing growing pressure from special interest groups to use state-owned enterprises to deliver basic services to low-income areas and to increase job growth.

Source : CIA


Summary

 

Subject Name

HILLSIDE ALUMINIUM LTD

Country

South Africa

Account Review

Recommended Every 6 Months

Subject Contact Person

GWEN NAIDOO - Superintendent Accountant

Assessment

This is a well-established and well -connected business. On investigation contact was made with MS. G NAIDOO, the Superintendent of Accounting of the subject. The business has been in operation for 12 years. Only two trade references were made available. A bank code could not be obtained as the account details were declined. Financial Statements of the Holding company BHPBiliton are attached. No adverse information was revealed during the investigation. The contact person supplied by yourselves, THILO NAIDOO was unable to assist. Please see the information obtained below.

 

 

Company information

 

Registered Name

HILLSIDE ALUMINIUM LTD

Trading as/ Division Name

HILLSIDE

Previous Name

HILLSIDE ALUMINIUM (PTY) LTD

Date of Name Change

Sep  5 2002 12:00AM

Registration Number

M2001/004091/06

Registration Date

2001/02/23

Date Commenced Trading

FEBRUARY 2001

Age of Business

11 Years 10 Months

History of Business

HILLSIDE ALUMINIUM LTD was previously registered as HILLSIDE ALUMINIUM (PTY) LTD (2001/004091/07) and underwent a name change in February 2001 to the current name.

History of Principals

There are 8 active directors of the concern

Shareholders/Members/Partners of subject and % holding

BHP Billiton PLC 100%, HILLSIDE ALUMINIUM LTD,HILLSBAYSIDE and MOZAL smelters operate as subsidaries of BHP BILLITON PLC.

Authorised Share Capital

R1000.00

Issued Share Capital/Members Contribution

R 1.00

Status

In Business

Operations Assessment

The concern operates as a smelter and a major producer of primary aluminium. Metal intended for export purposes are are sold to BHP BILLITON MARKETING.

Industry/ Customers

Mining Sector

Export

Declined

Export Countries

Martinique

Import

 

Import Countries

 

Major Industry Code / SICC

25202

Definition of Code

COASTAL MINING OPERATIONS

Head Office Physical Address

9 West Central Arterial, Richards Bay, KWAZULU-NATAL, 3900

Head Office Postal Address

P O BOX 897, RICHARDS BAY, 3900

Current Tel Number

0359088675 / 8111

Cell Number

0833023018

Current Fax Number

0359088311 / 9546

Current Email Address

hillside@bhpbilliton.com

Web Site Address

aluminium.bhpbilliton.co.za

Comments

 

 

 

Auditors information

 

Company Registered Name

KPMG INC

Trading Name

None

Registration Number

M1999/021543/21

Physical Address

200 Norvic Drive, Port Elizabeth, 6001

Postal Address

P O BOX 1662, PORT ELIZABETH, 6000

Contact Person

 

Contact Number

0413951500

Email

www.kpmg.co.za

Principals

205

Judgements Against Subject

No information on file

Judgements Against Principals

6

Subject Verified as Client

Yes

Practice Number

922234E

VAT Number

4530188665

Tax Number

9559555843

BEE Status

Undisclosed

Financial Year End

August

No of years in Business

Unknown

Website

www.kpmg.co.za

Comment

 

 

 

Previous Auditors

 

Company Name

Phone Number

Time with previous auditors

Comment

PHILLIP MULLER AND COMPANY

 

Unknown

 

DELOITE AND TOUCHE

 

Unknown

 

 

Tax information

 

Vat Number

4460199757

Status

ACTIVE

Vat Liable Date

2002/07/01

Tax Number

9513131145

Tax Clearance Expire Date

 

Financial Year End

June

Comment

 

Black Economic Empowerment

Status

 

Score

 

Expire Date

 

BEE Certificate Available

 

Comment

On December 2011,BHP Billiton Energy Coal South Africa (BECSA) has entered into an empowerment transaction with a black-owned ASSOCIATION led by Pembani Group

ISO Status

Type of ISO Grade

 

ISO Certificate

Yes

ISO Certificate Available

Yes

Certified by an Accredited Agent

Yes

Comment

 

Workman's compensation

Registered

Yes

Compliance Certified

Yes

Comment

 

 

 

Company Structure

 

Subsidiaries Information - No Information on Record

 

Employees

Number of Employees

1500

1. Salaried employees

 

2. Waged employees

 

3. Permanent employees

 

4. Casual employees

 

5. Contracted employees

 

Comment

The staff breakdown was not made available

Company Fleet

Company Fleet

No of vehicles:           Ownerd/Leased          Value                    Outstanding Balance

Fleet Operations

 

The Fleet is made up of

 

Comment

There are vehicles registered in the name of the company, further details were not made

available

Light delivery Vehicles

 

 

 

Offices

 

Offices

Offices

Head Office Owned/ Rented

Owned

Rental Company

Freehold title

 

 

Branch Information - No Information on Record

Management Overview

Organisation Chart

 

Level                 |           Position                                                |           Name                                        | Comment

~1                      I       GTENERAL MANAGER                 I          MARK ELDERTON DAVIS

~~2                    I         HEAD OF FINANCE                                 I          SIMON DUNCOMBE

~~3                    I MANAGER - EXTERNAL AFFAIRS       I          BHEKUYISE KHUMALO

~~4                   I        MANAGER CARBON                                 I          NICOLE ULLBRICHT

~~5                    [OPERATIONS DIRECTOR HILLSIDE     I           LUCAS MSIMANGA

ALUMINIUM

 

~~6                   I GENERAL MANAGER HILLSIDE          I           GUSTAV GRIESSEL

ALUMINIUM

 

Company Structure Information - No Information on Record

Note: One level up and all levels down

 

 

Trade References

 

Trade Reference nr

Supplier

Contact

Surety Value

Notarial Bonds

Comment

1

RICHARDSBAY CHEMICALS

0357511702

R 0.00

0

 

2

DICKSON MARKETING

082 8984474

R 0.00

0

 

Trade References Detail

Nr

Age of Acc

Credit Limit

Max Credit

Terms

Average

Terms Taken

Comment

 

 

 

 

 

Purchases

 

 

1

5 YEARS

 

 

30 days

 

30 days

Good Account, All figures considered

confirdential, however considered good for R100 000 over 30 days

2

19 YEARS

R 6000000.00

R 4000000

30 DAYS

R 2000000

30 DAYS

EXCELLENT ACCOUNT

 

 

Adverse Information on Subject

Judgements - No information on record BusinessRescue - No Information on Record

 

Default Listing - No information on record

 

Notarial Bonds - No information on record

 

Bank Information - No Information on Record Bank Code History - No Information on Record

 

Previous Bank Account Information - No Information on Record

 

Deeds Information

 

Property Interests for CompanyHILLSIDE ALUMINIUM LTD

 

Title Deed No.

T35456/2003

Erf/Site No.

 

Deeds Office

PIETERMARITZBURG

Physical Address

RICHARDS BAY

Property Type

Freehold / Ervin

Extent / Size

140.5932SQM

Purchase Date

2002/05/22

Purchase price

 

% Ownership

0.00

Bond Holder

 

Bond Number

K23742003S

Bond Amount

 

Comment

 

 

Title Deed No.

T59596/2008

Erf/Site No.

 

Deeds Office

PIETERMARITZBURG

Physical Address

RICHARDS BAY

Property Type

Freehold / Ervin

Extent / Size

2.6713H

Purchase Date

2005/03/18

Purchase price

 

% Ownership

0.00

Bond Holder

 

Bond Number

I-622009LG

Bond Amount

 

Comment

 

 

 

Financial information

Financial Estimates

 

Comment

Financial statements as at 30 June 2012 of holding company attached

 

Please note the following:

Turnover and assets less than R 1,000,000.00

The subject falls within the National Credit Act

Turnover and assets less than R 2,000,000.00

The subject falls within the Consumer Protection Act

 

 

Principals

 

Number of Principals

7

Average Age of Active Principals

45

Active Principals SIMON DUNCOMBE

Surname

DUNCOMBE

First Name

SIMON

Other Names

 

Marital Status

 

ID Number

E4013322

Verified ID Number

No

Current Age

Unknown

Designation

HEAD OF FINANCE

Status

Active

Appointment Date

2011/07/01

Physical Address (at time of Appointment)

1 AUGUSTA AVENUE, MZINGAZI GOLF ESTATE, MEERENSEE, RICHARDS BAY, 3901

Postal Address

P O BOX 897, RICHARDS BAY, 3900

Current Tel Number

0359088651

Cell number

0834170056

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

 

Business Information forSIMON DUNCOMBE Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

Principal's Deeds Information - No information on record

BHEKUYISE KHUMALO

 

 

Surname

KHUMALO

First Name

BHEKUYISE

Other Names

None

Marital Status

Married

 ID Number

7311115234084

Verified ID Number

Yes

Current Age

39

Designation

MANAGER - EXTERNAL AFFAIRS

Status

Active

Appointment Date

2010/06/24

Physical Address (at time of Appointment)

269 BEVERLEY ESTATE, BEVERLEY, JOHANNESBURG, GAUTENG, 2082

Postal Address

PO BOX 201, FOURWAYS, NORTH, GAUTENG, 2086

Current Tel Number

0113011800

Cell No.

0825705649

Shareholding / Membership

0.0000

 

 

Principal's Adverse - No information on record

Business Information forB HEKUYISE KHUMALO

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

SAFIRI TRADING (PTY)LTD

K2012/158314/07

In Business

0

0

No

 

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

Principal Previous Business Interests

Average Age of Previous Business 7 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

ZETCHEM DISTRIBUTION AND TRADING CC

B2005/135908/23

Deregistration Final

7 Years 7 Months

0

No

 

 

 

Principal's Deeds Information - No information on record

NICOLE ULLBRICHT

 

Surname

ULLBRICHT

First Name

NICOLE

Other Names

 

Marital Status

Divorced

ID Number

6904150128087

Verified ID Number

Yes

Current Age

43

Designation

MANAGER CARBON

Status

Active

Appointment Date

2010/06/24

Physical Address (at time of Appointment)

5 LOODSVISLYN, MEERENSEE, RICHARDS BAY, 3900

Postal Address

P O BOX 897, RICHARDS BAY, 3900

Current Tel Number

0359088456

Cell number

0839088456

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

Business Information forN ICOLE ULLBRICHT

Principal Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

 

Principal's Deeds Information - No information on record

MARK DAVIS

 

Surname

DAVIS

First Name

MARK

Other Names

ELDERTON

ID Number

7301170000000

Verified ID Number

No

Current Age

39

Designation

GENERAL MANAGER

Status

Active

Appointment Date

2010/06/24

Physical Address (at time of Appointment)

4 PONYFISH, MEERENSEE, RICHARDS BAY, 3900

 

 

Postal Address

P O BOX 897, RICHARDS BAY, 3900

Shareholding/Membership

0.0000

 

Principal's Adverse - No information on record

Business Information forM ARK DAVIS

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

 

Principal Previous Business Interests

Average Age of Previous Business 45 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BILLITON ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

 

 

Principal's Deeds Information - No information on record

LUCAS MSIMANGA

 

Surname

MSIMANGA

First Name

LUCAS

Other Names

None

Marital Status

Married

ID Number

7105106165087

Verified ID Number

Yes

Current Age

41

Designation

OPERATIONS DIRECTOR HILLSIDE ALUMINIUM

Status

Active

Appointment Date

2006/07/01

Physical Address (at time of Appointment)

15 FOUR SEASONS, MAPUTO, 257

Postal Address

P O BOX 12352, MAPUTO, 257

Current Tel Number

0359088800

Cell number

0832724198

Shareholding/Membership

0.0000

 

 

Principal's Adverse - No information on record

Business Information forL UCAS MSIMANGA

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

SAWUBONA INVESTMENTS CC

B2010/063143/23

In Business

2 Years 2 Months

0

No

 

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

Principal Previous Business Interests

Average Age of Previous Business 10 Years

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

MET-MED BUSINESS ENTERPRISE CC

B2003/104649/23

Deregistration Final

9 Years 9 Months

0

No

 

BUSINESS AGAINST CRIME ZULULAND

M1998/004610/08

In Business

14 Years 2 Months

0

No

 

DOWNSTREAM ALUMINIUM CENTRE FOR TECHNOLOGY

M2005/012145/08

In Business

7 Years 7 Months

0

No

 

 

Principal's Deeds Information - No information on record

GUSTAV GRIESSEL

 

Surname

GRIESSEL

First Name

GUSTAV

Other Names

None

Marital Status

Married

ID Number

6406025072086

Verified ID Number

Yes

Current Age

48

Designation

GENERAL MANAGER HILLSIDE ALUMINIUM

Status

Active

Appointment Date

2006/07/01

Physical Address (at time of

3 PARROTFISH, MEERENSEE, RICHARDS BAY, 3901

Appointment)

 

Postal Address

P O BOX 907, RICHARDS BAY, RICHARDS BAY, RICHARDS BAY, 3900

Current Tel Number

0359088802

Cell number

0726370108

Shareholding/Membership

0.0000

 

 

Principal's Adverse - No information on record

Business Information forG USTAV GRIESSEL

Principal Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

 

Principal Previous Business Interests

Average Age of Previous Business 15 Years

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

TISAND (PTY)LTD

M1969/007724/07

In Business

43 Years 7 Months

0

No

 

BHP BILLITON RAW MATERIALS LTD

M2003/014722/06

Deregistration Final

9 Years 9 Months

0

No

 

RICHARDS BAY TITANIUM (PTY)LTD

M2008/017523/07

In Business

4 Years 4 Months

0

No

 

RICHARDS BAY MINING (PTY)LTD

M2008/017609/07

In Business

4 Years 4 Months

0

No

 

 

Principal's Deeds Information - No information on record

HERMAN STEYN

 

Surname

STEYN

First Name

HERMAN

Other Names

None

Marital Status

Married

ID Number

5408115078081

Verified ID Number

Yes

Current Age

58

Designation

TAX MANAGER

Status

Active

Appointment Date

2001/08/01

Physical Address (at time of Appointment)

35 CHRISTIAN STREET, BRACKENHURST, 1448

Postal Address

PO BOX 61820, MARSHALLTOWN, 2107

Current Tel Number

0113762011

Cell number

0833023018

Shareholding/Membership

0.0000

 

 

Principal's Adverse - No information on record

Business Information forH ERMAN STEYN

Principal Current Business Interests

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

DONKERPOORT IRON LTD

M1949/033794/06

In Business

63 Years 3 Months

0

No

 

CONSOLIDATED

NOMINEES

(PTY)LTD

M1949/035111/07

In Business

63 Years 3 Months

0

No

 

BILLITON

ALUMINIUM SA LTD

M1967/004817/06

In Business

45 Years 9 Months

0

No

 

AFRICAN METALS LTD

M1970/003899/06

In Business

42 Years 6 Months

0

No

 

PERING MINE SERVICES HOLDINGS (PTY)LTD

M1992/006126/07

In Business

20 Years 8 Months

0

No

 

MAIN STREET 58 (PTY)LTD

M2001/004027/07

In Business

11 Years 11 Months

0

No

 

HILLSIDE ALUMINIUM LTD

M2001/004091/06

In Business

11 Years 11 Months

0

No

 

BHP BILLITON RBM

HOLDINGS

(PTY)LTD

M2009/019729/07

In Business

3 Years 3 Months

0

No

 

BLUE FALCON 77 TRADING (PTY)LTD

M2009/024232/07

In Business

3 Years 3 Months

0

No

 

BHP BILLITON SA FINANCE (PTY)LTD

M2011/011623/07

In Business

1 Years 1 Months

0

No

 

 

Principal Previous Business Interests

Average Age of Previous Business 34 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BANIETTOR MINING (PTY)LTD

M1932/003763/07

In Business

80 Years 8 Months

0

No

 

PERING MINE (PTY)LTD

M1939/013451/07

In Business

73 Years 1 Months

0

No

 

GENERAL MANGANESE PRODUCTS (PTY)LTD

M1961/000785/07

Deregistration Final

51 Years 3 Months

0

No

 

ALUGEN (PTY)LTD

M1967/004767/07

Deregistration Final

45 Years 9 Months

0

No

 

GENGRO LTD

M1967/012651/06

In Business

45 Years 9 Months

0

No

 

AFRICAN METALS (PTY)LTD

M1970/003899/07

In Business

42 Years 6 Months

0

No

 

 

ANSA PETROLEUM LTD

M1970/012659/06

Deregistration Final

42 Years 6 Months

0

No

 

RICHBAY MINE HOLDINGS (PTY)LTD

M1973/015616/07

Deregistration Final

39 Years 3 Months

0

No

 

RICHBAY SMELTER HOLDINGS (PTY)LTD

M1973/015663/07

Deregistration Final

39 Years 3 Months

0

No

 

FEDSWA

PROSPEKTEERDERS (EDMS) BPK

M1979/001538/10

Deregistration Final

33 Years 9 Months

0

No

 

TRANSKEI PIONEER MINING COMPANY (PTY)LTD

M1981/060135/07

Deregistration Final

31 Years 7 Months

0

No

 

MINE AND SMELTER

INVESTMENTS

(PTY)LTD

M1993/005645/07

Deregistration Final

19 Years 7 Months

0

No

 

SOUL OF AFRICA GAME LODGES (PTY)LTD

M1995/012049/07

Deregistration Final

17 Years 5 Months

0

No

 

BHP BILLITON PROPERTIES (PTY)LTD

M1997/001793/07

In Business

15 Years 3 Months

0

No

 

BHP BILLITON ALUMINIUM PROJECTS (PTY)LTD

M2000/010975/07

Deregistration Final

 

0

No

 

LIME TECHNOLOGIES (PTY)LTD

M2003/008922/07

Deregistration Final

9 Years 9 Months

0

No

 

BHP BILLITON RAW MATERIALS LTD

M2003/014722/06

Deregistration Final

9 Years 9 Months

0

No

 

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.42

UK Pound

1

Rs.88.29

Euro

1

Rs.71.49

 

 

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

--

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.