MIRA INFORM REPORT

 

 

Report Date :

17.01.2013

 

IDENTIFICATION DETAILS

 

Name :

DAVINSCOT DURBAN (PTY)LTD

 

 

Registered Office :

19 BURO CRESCENT, MAYVILLE, 4091

 

 

Country :

South Africa

 

 

Date of Incorporation :

19.07.1989

 

 

Com. Reg. No.:

M1989/004152/07

 

 

Legal Form :

Private Company

 

 

Line of Business :

Manufacture of men's and boys' clothing

 

 

No. of Employees :

Not Available

 

RATING & COMMENTS

 

MIRA’s Rating :

B

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Status :

Moderate

 

 

Payment Behaviour :

Unknown

 

 

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

(31.03.2012)

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 Unemployment remains high and outdated infrastructure has constrained growth.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

 

 


 

Subject Name

DAVINSCOT DURBAN (PTY)LTD

Country

South Africa

Subject Contact Person

GRAHAM BUCK - DIRECTOR

Assessment

This is an established business. On investigation we made contact with the director MR. GRAHAM BUCK who declined to assist with any of the information due to the subject not having any credit dealings within INDIA. MR BUCK requested to know the name of the principal enquirer. Please see the available information on the subject below.

 

 

Company Information

 

Registered Name

DAVINSCOT DURBAN (PTY)LTD

Trading as/ Division Name

DAVINSCOT

Registration Number

M1989/004152/07

Registration Date

1989/07/19

Date Commenced Trading

1989-07-19

Age of Business

23 Years 5 Months

History of Business

The subject started out as a new business in 1989.

History of Principals

There are currently 6 active Directors within the company.

Authorised Share Capital

R0.00

Issued Share Capital/Members Contribution

R0.00

Status

In Business

Operations Assessment

The subject manufactures clothing

Industry/ Customers

Local and international clothing retail chains.

Export

Yes

Major Industry Code / SICC

31401

Definition of Code

Manufacture of men's and boys' clothing

Head Office Physical Address

19 BURO CRESCENT, MAYVILLE, 4091

Head Office Postal Address

P 0 BOX 30091, MAYVILLE, 4058

Current Tel Number

0312035600

Current Fax Number

0312035650

Current Email Address

tribe@davinscot.co.za

Web Site Address

buckgvrt@iafrica.com

 

 

Auditors Information

 

Company Registered Name

MAZARS

Registration Number

2000/011040/07

Physical Address

Mazars House, 5 St Davids Place, Parktown, JOHANNESBURG, 2109

Postal Address

P 0 Box 6697, JOHANNESBURG, 2000

Contact Person

FAEEZA ASAAAIL

Contact Number

0115474000

Email

jhb@mazars.co.za

Principals

11

Subject Verified as Client

Yes

Practice Number

900222

VAT Number

4570113862

Tax Number

9060360030

BEE Status

Level 3

Financial Year End

August

No of years in Business

2

Website

www. mazars. co. za

 

Previous Auditors

 

Company Name

Phone Number

Time with previous auditors

Comment

MOORES ROWOLAND

 

17

 

BOULEE SAAD AND LEVIN

 

21

 

MOZARS MOORES ROWLAND

 

5

 

 

 

Tax Information

 

Vat Number

4210109262

Status

ACTIVE

Vat Liable Date

1991/09/30

Tax Number

9065286206

Tax Clearance Expire Date

 

Financial Year End

June

Comment

 

 

Black Economic Empowerment Information - No Information on Record

 

ISO Information - No Information on Record Work Mans

Information - No Information on Record

 

 

Company Structure

 

Subsidiaries Information - No Information on Record

Employees Information - No Information on Record

Company Fleet Information - No Information on Record

Offices Information - No Information on Record

Branch Information - No Information on Record

 

 

Management Overview

 

Organisational Chart - No Information on Record

 

Company Structure Information - No Information on Record

Note: One level up and all levels down

 

Key Deals - No Information on Record

 

Trade References Information - No Information on Record

 

 

Adverse Information on Subject

 

BusinessRescue - No Information on Record

 

Judgements - 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 - No information on record

 

 

Principals

 

Number of Principals

6

Average Age of Active Principals

59

Active Principals Principal - 1of 6 M MALUKA

Surname

MALUKA

First Name

M

Other Names

None

Marital Status

 

ID Number

5510240000000

Verified ID Number

No

Current Age

57

Designation

Director

Status

Active

Appointment Date

1995/11/23

Physical Address (at time of Appointment)

6 COLENSO STREET, PAULSHOF, SANDTON, 2196

Postal Address

PO BOX 7115, JOHANNESBURG, 2000

Current Tel Number

0312035600

Cell number

 

Shareholding/Membership

0.0000

 

Business Information forM MALUKA

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

SANJI SECURITY SYSTEMS (PTY)LTD

M1958/000540/07

In Business

54 Years 6 Months

0

No

 

GERBER GOLDSCHMIDT GROUP (S A) (PTY) LTD

M1966/011255/07

In Business

46 Years 10 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

VELTOPAK COATING AND FINISHING (PTY) LTD

M1988/007117/07

In Business

0

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

GERBER FRESH (PTY) LTD

M1991/004314/07

In Business

21 Years 9 Months

0

No

 

SOUTHERN PRIDE FOODS (PTY)LTD

M1993/004510/07

In Business

19 Years 7 Months

0

No

 

JAMES RALPH TECHNO (PTY)LTD

M1997/021494/07

In Business

15 Years 3 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Principal's Previous Business Interests

Average Age of Previous Business 23 Years

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

ULTRA.SERV (S.A.) (PTY) LTD

M1957/003164/07

In Business

55 Years 7 Months

0

No

 

D S HEAVY DUTY COMPONENTS (PTY) LTD

M1979/004088/07

Deregistration Final

33 Years 9 Months

0

No

 

DAVINSCOT KWAZULU-NATAL

(DTV\I m

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

ZEST INVESTMENTS (PTY) LTD

M1986/003980/07

Deregistration Final

26 Years 2 Months

0

No

 

66 WIERDA ROAD EAST (PTY) LTD

M1988/001023/07

Deregistration Final

 

0

No

 

SELNOV (S A) (PTY) LTD

M1988/007116/07

Deregistration Final

 

0

No

 

 

Principal - 2of 6 MICHAEL WHITEHEAD

 

Surname

WHITEHEAD

First Name

MICHAEL

Other Names

None

Marital Status

Married

ID Number

5307035108103

Verified ID Number

Yes

Current Age

59

Designation

Director

Status

Active

Appointment Date

1995/11/23

Physical Address (at time of Appointment)

3 SYLVAN GROVE, UMHLANGA ROCKS, NATAL, 4319

Postal Address

PRIVATE BAG X 47, TONGAAT, 4400

Current Tel Number

0319443116

Cell number

0837773946

Shareholding/Membership

0.0000

 

Business Information forMICHAEL WHITEHEAD Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GIRAFFE CLOTHING CC

B1994/030532/23

In Business

18 Years 6 Months

0

No

 

BUFFALO CLOTHING CC

B1997/023708/23

In Business

15 Years 3 Months

0

No

 

CANERAT CLOTHING CC

B1997/023958/23

In Business

15 Years 3 Months

0

No

 

RHINOCEROS CLOTHING CC

B1999/041481/23

In Business

13 Years 1 Months

0

No

 

ELEPHANT CLOTHING CC

B1999/041504/23

In Business

13 Years 1 Months

0

No

 

WARTHOG CLOTHING CC

B1999/041568/23

In Business

13 Years 1 Months

0

No

 

FALSE BAY CANNERS (PTY)LTD

M1957/002172/07

In Business

55 Years 7 Months

0

No

 

DAVINSCOT KWAZULU-NATAL (PTY) LTD

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Principal's Previous Business Interests

 

Average Age of Previous Business

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

 

 

 

 

 

 

 

 

Principal - 3of 6 JOHN EVANS

 

Surname

EVANS

First Name

JOHN

Other Names

None

Marital Status

Married

ID Number

4909245152101

Verified ID Number

Yes

Current Age

63

Designation

Director

Status

Active

Appointment Date

1995/11/23

Physical Address (at time of Appointment)

13 CECELIA CLOSE, BALLITO, DURBAN, 4420

Postal Address

P 0 BOX 284, TONGAAT, 4420

Current Tel Number

0312035600

Cell number

0824526765

Shareholding/Membership

0.0000

 

Business Information forJOHN EVANS

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GIRAFFE CLOTHING CC

B1994/030532/23

In Business

18 Years 6 Months

0

No

 

BUFFALO CLOTHING CC

B1997/023708/23

In Business

15 Years 3 Months

0

No

 

CANERAT CLOTHING CC

B1997/023958/23

In Business

15 Years 3 Months

0

No

 

RHINOCEROS CLOTHING CC

B1999/041481/23

In Business

13 Years 1 Months

0

No

 

ELEPHANT CLOTHING CC

B1999/041504/23

In Business

13 Years 1 Months

0

No

 

WARTHOG CLOTHING CC

B1999/041568/23

In Business

13 Years 1 Months

0

No

 

FALSE BAY CANNERS (PTY)LTD

M1957/002172/07

In Business

55 Years 7 Months

0

No

 

DAVINSCOT KWAZULU-NATAL (PTY) LTD

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Principal's Previous Business Interests

 

Average Age of Previous Business           7 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

RAGS TO RICHES INVESTMENTS CC

B2005/063814/23

Deregistration Final

7 Years 7 Months

0

No

 

 

Principal - 4of 6 FREDERICK WESSELS

 

Surname

WESSELS

First Name

FREDERICK

Other Names

None

Marital Status

Married

ID Number

4501175137085

Verified ID Number

Yes

Current Age

67

Designation

Director

Status

Active

Appointment Date

1991/01/29

Physical Address (at time of Appointment)

15 LAFAYETTE, SANDHURST ESTATE, 39 HARROW ROAD, SANDTON, 2196

Postal Address

PO BOX 7115, JOHANNESBURG, 2000

Current Tel Number

0116520752

Cell number

0825550707

Shareholding/Membership

0.0000

 

Business Information forFREDERICK WESSELS Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

SANJI SECURITY SYSTEMS (PTY)LTD

M1958/000540/07

In Business

54 Years 6 Months

0

No

 

GERBER GOLDSCHMIDT GROUP (S A) (PTY) LTD

M1966/011255/07

In Business

46 Years 10 Months

0

No

 

GERBER GOLDSCHMIDT TRADING (PTY)LTD

M1968/007753/07

In Business

44 Years 8 Months

0

No

 

GERBER PAPER (PTY) LTD

M1968/007909/07

In Business

44 Years 8 Months

0

No

 

GERBER GLASS (PTY) LTD

M1969/015050/07

In Business

43 Years 7 Months

0

No

 

106 16TH ROAD MIDRAND (PTY)LTD

M1970/016394/07

In Business

42 Years 6 Months

0

No

 

GERBER FASTENING SYSTEMS (PTY)LTD

M1972/003546/07

In Business

40 Years 4 Months

0

No

 

NEW ADVENTURE INVESTMENTS 30 (PTY) LTD

M1982/010324/07

In Business

30 Years 6 Months

0

No

 

BOLAND PULP PROPERTY HOLDINGS (PTY) LTD

M1982/010876/07

In Business

30 Years 6 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

TEKGLASS (PTY) LTD

M1986/005044/07

In Business

26 Years 2 Months

0

No

 

SELNOV INVESTMENTS (PTY) LTD

M1988/000412/07

In Business

0

0

No

 

M H GOLDSCHMIDT (PTY) LTD

M1988/000973/07

In Business

0

0

No

 

GGG HOLDINGS (PTY) LTD

M1988/007115/07

In Business

0

0

No

 

VELTOPAK COATING AND FINISHING (PTY) LTD

M1988/007117/07

In Business

0

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

SANJI

ELECTRONICS (PTY) LTD

M1991/002911/07

In Business

21 Years 9 Months

0

No

 

GERBER FRESH (PTY) LTD

M1991/004314/07

In Business

21 Years 9 Months

0

No

 

SELNOV FINANCE (PTY) LTD

M1992/007413/07

In Business

20 Years 8 Months

0

No

 

SOUTHERN PRIDE FOODS (PTY)LTD

M1993/004510/07

In Business

19 Years 7 Months

0

No

 

JAMES RALPH (PTY) LTD

M1996/006819/07

In Business

16 Years 4 Months

0

No

 

BOLAND PULP (PTY) LTD

M1996/010660/07

In Business

16 Years 4 Months

0

No

 

THE CRESCENT PROPERTY INVESTMENT C-G (PTY) LTD

M1996/013386/07

In Business

16 Years 4 Months

0

No

 

JAMES RALPH TECHNO (PTY)LTD

M1997/021494/07

In Business

15 Years 3 Months

0

No

 

SOUTHERN CANNED PRODUCTS (PTY) LTD

M2001/003911/07

In Business

11 Years 11 Months

0

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business           19 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

KAQALA INVESTMENTS 47 CC

B1997/007731/23

Deregistration Final

15 Years 3 Months

0

No

 

DERBY MEWS CC

B1998/019101/23

Deregistration Final

14 Years 2 Months

0

No

 

FIFTEEN

LAFAYETTE-SANDHUR STCC

B1998/043190/23

Conversion CO/CC orCC/CO

14 Years 2 Months

0

No

 

AGRIGOLD (PTY)LTD

M1962/004249/07

Deregistration Final

50 Years 2 Months

0

No

 

AGRICARMEL (PTY) LTD

M1983/003841/07

Deregistration Final

29 Years 5 Months

0

No

 

DAVINSCOT KWAZULU-NATAL

inTvii m

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

E M A ELECTRONIC COMPONENTS (PTY) LTD

M1987/002385/07

Deregistration Final

25 Years 1 Months

0

No

 

PHARMAPLAN (PTY) LTD

M1996/017921/07

In Business

16 Years 4 Months

0

No

 

ADSANI EXPLORATION (PTY) LTD

M2000/003775/07

In Business

 

0

No

 

XPROCURE SOFTWARE SA (PTY)LTD

M2000/020443/07

In Business

 

0

No

 

 

Principal - 5of 6 GRAHAM BUCK

Surname

BUCK

First Name

GRAHAM

Other Names

None

Marital Status

Married

ID Number

6001015068101

Verified ID Number

Yes

Current Age

52

Designation

Director

Status

Active

Appointment Date

1989/08/22

Physical Address (at time of Appointment)

9 KIRTLINGTON PARK, INANDA ROAD, HILLCREST, 3610

Postal Address

P 0 BOX 30091, MAYVILLE, NATAL, 4058

Current Tel Number

0312035600

Cell number

0832572077

Shareholding/Membership

0.0000

 

Business Information forGRAHAM BUCK

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GIRAFFE CLOTHING CC

B1994/030532/23

In Business

18 Years 6 Months

0

No

 

BUFFALO CLOTHING CC

B1997/023708/23

In Business

15 Years 3 Months

0

No

 

CANERAT CLOTHING CC

B1997/023958/23

In Business

15 Years 3 Months

0

No

 

RHINOCEROS CLOTHING CC

B1999/041481/23

In Business

13 Years 1 Months

0

No

 

ELEPHANT CLOTHING CC

B1999/041504/23

In Business

13 Years 1 Months

0

No

 

WARTHOG CLOTHING CC

B1999/041568/23

In Business

13 Years 1 Months

0

No

 

FALSE BAY CANNERS (PTY)LTD

M1957/002172/07

In Business

55 Years 7 Months

0

No

 

DAVINSCOT KWAZULU-NATAL (PTY) LTD

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT INVESTMENTS (PTY) LTD

M1984/002348/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Previous Business Interests

Average Age of Previous Business

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

 

 

 

 

 

 

 

 

Principal - 6of 6 MR E G THOMAS E G THOMAS

 

Surname

E G THOMAS

First Name

MR E G THOMAS

ID Number

5406295040004

Verified ID Number

Yes

Current Age

58

Designation

Director

Status

Active

Appointment Date

1989/08/01

Physical Address (at time of Appointment)

30 MAC DONALD DRIVE, COWIES HILL, PINETOWN, 3610

Postal Address

30 MACDONALD ROAD, COWIES HILL, PINETOWN, 3610

Current Tel Number

0312035600

Cell number

0827838553

Shareholding/Membership

0.0000

 

Business Information forMR E G THOMAS E G THOMAS Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

GIRAFFE CLOTHING CC

B1994/030532/23

In Business

18 Years 6 Months

0

No

 

BUFFALO CLOTHING CC

B1997/023708/23

In Business

15 Years 3 Months

0

No

 

CANERAT CLOTHING CC

B1997/023958/23

In Business

15 Years 3 Months

0

No

 

RHINOCEROS CLOTHING CC

B1999/041481/23

In Business

13 Years 1 Months

0

No

 

ELEPHANT CLOTHING CC

B1999/041504/23

In Business

13 Years 1 Months

0

No

 

WARTHOG CLOTHING CC

B1999/041568/23

In Business

13 Years 1 Months

0

No

 

FALSE BAY CANNERS (PTY)LTD

M1957/002172/07

In Business

55 Years 7 Months

0

No

 

DAVINSCOT KWAZULU-NATAL (PTY) LTD

M1984/001100/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT INVESTMENTS (PTY) LTD

M1984/002348/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT TONGAAT (PTY) LTD

M1984/002350/07

In Business

28 Years 4 Months

0

No

 

DAVINSCOT DURBAN (PTY)LTD

M1989/004152/07

In Business

23 Years 11 Months

0

No

 

 

Principal's Deeds Information - No information on record

 

Previous Business Interests

 

Average Age of Previous Business

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

 

 

 

 

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.54.54

UK Pound

1

Rs.87.69

Euro

1

Rs.72.85

 

INFORMATION DETAILS

 

Report Prepared by :

SDA

 

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.