MIRA INFORM REPORT

 

 

Report Date :

28.11.2013

 

IDENTIFICATION DETAILS

 

Name :

P.T. SENTANA ADIDAYA PRATAMA

 

 

Registered Office :

B&G Tower, 9th Floor Jalan Putri Hijau No. 10 Medan, 20111 North Sumatra

 

 

Country :

Indonesia

 

 

Date of Incorporation :

09.08.1999

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

·   Trading, Importing and Supplying of KCL and NPK Fertilizer

·   Mixed, Compound and Artificial Fertilizer Industry

 

 

No. of Employees :

156

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

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

Satisfactory

 

Maximum Credit Limits :

US$ 2,000,000

Status :

Satisfactory

Payment Behaviour :

No complaints

Litigation :

Clear

 

NOTES :

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

 

ECGC Country Risk Classification List – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Indonesia

B1

B1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

INDONESIA - ECONOMIC OVERVIEW

 

Indonesia, a vast polyglot nation, grew more than 6% annually in 2010-12. The government made economic advances under the first administration of President YUDHOYONO (2004-09), introducing significant reforms in the financial sector, including tax and customs reforms, the use of Treasury bills, and capital market development and supervision. During the global financial crisis, Indonesia outperformed its regional neighbors and joined China and India as the only G20 members posting growth in 2009. The government has promoted fiscally conservative policies, resulting in a debt-to-GDP ratio of less than 25%, a fiscal deficit below 3%, and historically low rates of inflation. Fitch and Moody's upgraded Indonesia's credit rating to investment grade in December 2011. Indonesia still struggles with poverty and unemployment, inadequate infrastructure, corruption, a complex regulatory environment, and unequal resource distribution among regions. The government in 2013 faces the ongoing challenge of improving Indonesia''s insufficient infrastructure to remove impediments to economic growth, labor unrest over wages, and reducing its fuel subsidy program in the face of high oil prices

Source : CIA


 

Name of Company

 

P.T. SENTANA ADIDAYA PRATAMA

 

 

Address

 

Head Office

B&G Tower, 9th Floor

Jalan Putri Hijau No. 10

Medan, 20111

North Sumatra

Indonesia

Phones             - (62-61) 4102 7777, 4102 5777, 8001 0055

Fax                   - (62-61) 414 3150, 414 5346, 415 4891

E-mail               - hendri@kpn.co.id

                          hendri@wilmar.co.id

Building Area     - 15 storey

Office Space      - 100 sq. meters

Region              - Commercial

Status               - Rent

 

 

Factory

Jalan Dumai – Sungai Pakning Km. 32

Kawasan Industri Dumai

Medang Kampai, Pelinting

Dumai, 28814

Riau Province

Indonesia

Phones             - (62-765) 700 8881

Fax                   - (62-765) 700 8881

Land Area         - 300,000 sq. meters

Building Space  - 20,000 sq. meters

Region              - Industrial Zone

Status               - Owned

 

 

Date of Incorporation

 

9 August 1999


 

Legal Form

 

P.T. (Perseroan Terbatas) or Limited Liability Company

 

 

Company Reg. No.

 

The Ministry of Law and Human Rights

-           No. C-18721.HT.01.01.TH.99

            Dated 12 December 1999

 

-           No. AHU-34874.AH.01.02.TH.2009

            Dated 23 July 2009

-           No. AHU-AH.01.10-25496

            Dated 24 June 2013

 

 

Company Status

 

Foreign Investment (PMA) Company

 

Permit by the Government Department :

The Department of Finance

NPWP No. 01.907.041.6-092.000

 

The Capital Investment Coordinating Board

-           No. 37/V/PMA/2001

            Dated 9 April 2001

-           No. 1463/III/PMA/2001

            Dated 2 November 2001

-           No. 200/II/PMA/2004

            Dated 9 November 2004

-           No. 260/II/PMA/2006

            Dated 8 August 2006

 

The Department of Industry and Trade

No. 15/Kanwil-04/KAH/PP/X/2000

Dated 11 October 2000

 

 

Related Company

 

A Member Company of the WILMAR Group (see attachment)


 

CAPITAL AND OWNERSHIP

 

Capital Structure :

Authorized Capital          : Rp. 10,600,000,000.-

Issued Capital    : Rp. 10,600,000,000.-

Paid up Capital  : Rp. 10,600,000,000.-

 

Shareholders/Owners :

a. WILMAR FERTILIZER INDONESIA PTE., LTD.                       - Rp. 10,494,000,000.-

    Address : Bukit Pasoh Shop House

                    56 Neil Road

                    Singapore, 088830

b. WILMAR INTERNATIONAL LIMITED                                     - Rp.      106,000,000.-

    Address : Bukit Pasoh Shop House

                    56 Neil Road

                    Singapore, 088830

 

 

BUSINESS ACTIVITIES

 

Lines of Business :

a.         Trading, Importing and Supplying of KCL and NPK Fertilizer

b.         Mixed, Compound and Artificial Fertilizer Industry

 

Production Capacity :

a.         Nitrogen Phospate Kalium (NPK) - 490,000 tons p.a.

b.         Trading, Import and Distribution

            of Glyphosate, Paraquat, Dichloride metsulfuron methyl

 

Total Investment :

a.         Equity Capital    - Rp.   10.6 billion

b.         Loan Capital      - Rp. 371.0 billion

c.         Total Investment - Rp. 381.6 billion

 

Started Operation :

a.         2000 as trading

b.         April 2004 trial production

 

Brand Name :

Sentana Adidaya Pratama

 

Technical Assistance :

Wilmar Fertilizer Pte, Ltd., Singapore

 

Number of Employee :

156 persons


 

Marketing Area :

Local    - 100%

 

Main Customer :

Plantations

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. AGROTANI UNGGUL LESTARI

b. P.T.ANUGERAH  DOLOMIT LESTARI

c. P.T. POLOWIJO GOSARI

d. P.T. PUPUK KALIMANTAN TIMUR Tbk

e. P.T. SARASWANTI ANUGERAH MAKMUR

 

Business Trend :

Growing

 

 

BANKER, AUDITOR & LITIGATION

 

B a n k e r s :

a.         P.T. Bank NEGARA INDONESIA Tbk

                        Jalan Cuk Nyak Dien 16

                        Medan, North Sumatra

                        Indonesia

b.         P.T. Bank MANDIRI Tbk

                        Jalan Imam Bonjol No. 7

                        Medan, North Sumatra

                        Indonesia

c.         Hongkong & Shanghai Banking Corp. Ltd.

                        Jalan Diponegoro No. 11

                        Medan, North Sumatra

                        Indonesia

 

Auditor :

Internal Auditor

 

Litigation :

No litigation record in our database

 


 

FINANCIAL FIGURE

 

Annual Sales (estimated) :

2010 – Rp. 720.0 billion

2011 – Rp. 735.0 billion

2012 – Rp. 750.0 billion

2013 – Rp. 382.5 billion (January – June)

 

Net Profit (estimated) :

2010 – Rp. 43.5 billion

2011 – Rp. 47.8 billion

2012 – Rp. 48.7 billion

2013 – Rp. 24.9 billion (January – June)

 

Payment Manner :

Average

 

Financial Comments :

Satisfactory

 

 

KEY EXECUTIVES

 

Board of Management :

President Director           - Mr. Hendri Saksti

Directors                       - a. Mr. Benny Djuarsa

                                      b. Mr. Teo Kim Yong

 

 

Board of Commissioners :

President Commissioner - Mr. Ricky Hermanto

Commissioner                           - Mr. Erik

 

Signatories :

President Director (Mr. Hendri Saksti) or one of the Directors (Mr. Benny Djuarsa or Mr. Teo Kim Yong) which must be approved by Board of Commissioner

 

 

CAPABILITIES

 

Management Capability :

Good

 

Business Morality :

Good


 

Credit Risk :

Average

 

Credit Recommendation :

Credit should be proceeded with monitor

 

Proposed Credit Limit :

Small amount – periodical review

 

Maximum Credit Limit :

US$ 2,000,000 on 90 days D/A

 

 

OVERALL PERFORMANCE

 

P.T. SENTANA ADIDAYA PRATAMA (P.T. SAP) was established in August 1999 in Medan, North Sumatra with an authorized capital of Rp. 10,000,000,000 issued capital of Rp. 5,000,000,000 wholly paid-up. Founders and original shareholders are P.T. KARYA PRAJONA NELAYAN and P.T. KARTIKA PRIMANABATI both are national private companies and member companies of the KARYA PRAJONA NELAYAN Group. It’s articles of association has been frequently changed for a couple of times. In April 2001, both shareholders pulled-out and replaced by new shareholder namely WILMAR FERTILIZER INDONESIA Pte., Ltd., and WILMAR HOLDINGS Pte., Ltd., both of Singapore. On the same occasion, its status has been changed from domestic investment company to a foreign investment (PMA) company. Later, in November 2001, the authorized capital was increased to Rp. 10,600,000,000 wholly issued and paid-up. With this time the composition of its shareholders has been changed to become WILMAR FERTILIZER INDONESIA PTE, LTD., Singapore (99%) and WILMAR INTERNATIONAL LIMITED Singapore (1%). Then according to the latest revision of notary documents of Mr. Eddy Simin, SH., No. 32 dated 2 May 2013 the company board of director and the board of commissioner had been changed. The deed of amendments was approved by the Ministry of Law and Human Rights in its decision letter No. AHU-AH.01.10-25496 dated June 24, 2013.

 

The majority business stakes holders of WILMAR FERTILIZER INDONESIA Pte., Ltd., and WILMAR HOLDINGS Pte., Ltd., are foreign companies based in Singapore whose majority business stakes are controlled by Mr. Martua Sitorus SE., AKA Thio Seng Hap and Mr. Robert Kuok, chairman of the KUOK Group, a big-size business group in Singapore, while Mr. Martua Sitorus SE., is founder and majority business stakes owner of the KARYA PRAJONA NELAYAN Group or KPN Group, a medium-size business group engaged  in many types of business among other are oil palm plantation and processing, exporter of edible oil, trading of cooking oil, coconut oil refinery, tapioca powder industry, etc.

 

P.T. SAP has been in operation since 2000 dealing with trading, importing and supplying of KCL and NPK (Nitrogen, Phospat Kalium). Mr. Lai Lai, an operational manager of the company, said that the merchandise products of KCL fertilizer are directly imported from Canada on account of the lack of KCL fertilizers in the country. Besides, the company also imports NPK fertilizer through PENGEDAR BAHAN PERTANIAN SDN BHD of Malaysia. The company formerly imported ammonium sulphate through MITSUBISHI Corporation of Japan but it less grew. A large extent of KCL and NPK fertilizers is used by the companies being the members of the KARYA PRAJONA NELAYAN Group dealing with oil palm plantation and some of which is also sold to other oil palm plantation operating in Medan, North Sumatra and Dumai, Riau Province.

 

In April 2001, the company started to deal with artificial, compound and mixture fertilizers industry under the Foreign Capital Investment (PMA) facility issued by the Capital Investment Coordinating Board (BKPM). It plant is located at Jalan Dumai-Sungai Pakning Km 32, Pelintung, Dumai, Riau Province on a land of 300,000 square meters. It is estimated that total investment being absorbed by project reached Rp. 74.3 billion coming from own capital of Rp. 10.6 billion and the rest of loans. The plant produces Nitrogen Phospat Kalium (NPK) of 120,000 tons per annum. A large extent of the supporting materials such as KCL is still being imported from Canada and some other materials for urea use local products. He went on to say that the plant has been in production since April 2004. He also explained that since its initial operation in 2004, a large extent of the products is locally marketed using trademark of SENTANA and MAHKOTA being mostly absorbed by oil palm plantation companies of the KARYA PRAJONA NELAYAN Group and the rest is sold to other oil palm plantation companies.

 

In November 2004, P.T. SAP gained an expanding license for compound synthetic fertilizer industry and import trading. The expanded plant is located in Dumai, Riau Province with an investment of Rp. 270.8 billion entirely from own capital with annual production capacity of 330,000 tons of Nitrogen Phosphate Kalium (NPK). The expanded plant has been operating by the end of 2006. The plant is still in the machinery installing stage. In August 2006, P.T. SAP gained an expanding license for trading importing and distribution of chemical such as glyphosate, paraquat dichloride, metsulfuron methyl with an investment of Rp. 25.5 billion originating come from loan capital. The operation of P.T. SAP has been growing steadily in the last four years.

 

Generally outlook, the local demand for KCL fertilizer, nitrogen phosphate kalium (NPK) fertilizer has kept on rising by 6% to 7% per annum within the last five years having close connection with the rise in agricultural industry using lots of fertilizer for increasing its production. It is estimated that the demand growth will continue on rising within the next five years. In the meantime, we realized that market competition in the above business is very tough on account of large number of other similar companies operating in the country.

 

In the meantime, there are three existing companies dealing with NPK fertilizer manufacturing in Indonesia respectively P.T. PETROKIMIA GRESIK with PONSKA brand, P.T. KERTOPATEN KENCANA with TAWON brand, P.T. SARIBUMI DEWATA LESTARI with SUBURIN brand and P.T. PUPUK SUBUR MAKMUR with PUSMA NPK Plus TE brand. Beside the above three brand NPK fertilizer circulated in Indonesia is imported ones.

 

Several Producers of Compound Fertilizer NPK and their capacity

 

Name of Company

Production (Ton/Year)

Started Operation

Type

Brand

P.T. AGRO SUBUR BUMI LESTARI

P.T. INDOAGRO MAKMUR JAYA

P.T. KERTOPATEN KENCANA

P.T. PASIRMAUNG FERTILIZER

P.T. PETROKIMIA GRESIK

P.T. PUPUK KALTIM

P.T. POLOWIJO GOSARI

P.T. SARASWANTI ANUGERAH

MAKMUR

P.T. SARIBUMI DEWATA LESTARI

P.T. SENTANA ADIDAYA PRATAMA

5,000

5,000

51,000

5,000

300,000

100,000

12,000

 

10,000

12,000

120,000

1999

1999

1997

1998

2000

2003

1999

 

1998

1995

April 2004

Tablet

Tablet

Granule

Tablet

Granule

Granule

Tablet

 

Tablet

Tablet

Granule

PML-Agro

PML-Diamond

Tawon

PMLT-PMF

Phonska

Pelangi

PLLT-Pullet

 

PMLT-Planta

PMLT-Suburin

SENTANA

 

Until this time P.T. SAP has not been registered with Indonesian Stock Exchange, so that they had not obliged to announce their financial statement. The management of the company is very reclusive towards outsiders and rejected to disclose its financial condition. We observed that total sales turnover of the company in 2010 amounted to Rp. 720.0 billion rose to Rp. 735.0 billion in 2011 increased to Rp. 750.0 billion in 2012. As from January to June 2013 the sales turnover has amounted at Rp. 382.5 billion with a net profit of Rp. 24.9 billion. It is projected the sales turnover will be higher by at least 6% in 2014. The the company has an estimated total networth of at least Rp. 1670 billion. We observe that P.T. SAP is supported by the WILMAR Group with has financially strong and sound behind it. So far, we did not heard that the company having been black listed by the Central Bank (Bank Indonesia). The company usually pays its debts punctually to suppliers.  

 

The management of P.T. SAP is led by Mr. Hendri Saksti (47) a professional manager with experience in trading, import and distribution of industrial pumps. Hendri Saksti graduated Management Information System Academy, Jakarta, Indonesia. Mr. Saksti joined the Group’s Indonesian operations in 1994 as a Branch Manager, responsible for the palm oil business. In 1996, he was appointed Finance and Accounts Director. He is currently in charge of the Group’s fertilizer business, several manufacturing plants and the marketing of our consumer pack cooking oil in Indonesia.

 

The company's management is handled by professional staff in the above business. They have wide relations with private businessmen within and outside the country. So far, we did not hear that the management of the company being filed to the district court for detrimental cases or involved in any business malpractices. The company’s litigation record is clean and it has not registered with the black list of Bank of Indonesia. P.T. SENTANA ADIDAYA PRATAMA is sufficiently fairly good for business transaction.

 

 

Attachment

 

List of the WILMAR Group Members

 

AGRINDO INDAH PERSADA, P.T. (Oil Palm Plantation)

AGRIPRIMA CIPTA PERSADA, P.T. (Oil Palm Plantation)

AGRO PALINDO SAKTI, P.T. (Oil Palm Plantation and Refinery)

AGRONUSA INVESTAMA, P.T. (Oil Palm Plantation)

ALAM SAWIT PERMAI, P.T. (Oil Palm Plantation)

AMP PLANTATION, P.T. (Oil Palm Plantation and Refinery)

ANUGRAH REJEKI NUSANTARA, P.T. (Sugar Cane Plantation)

ASIATIC PERSADA, P.T. (Oil Palm Plantation and Refinery)

BAWAK SAWIT TUNAS BELUM, P.T. (Oil Palm Plantation)

BUANA ALAM SUBUR, P.T. (Oil Palm Plantation)

BULUH CAWANG PLANTATION, P.T. (Oil Palm Plantation and Refinery)

BUMIPRATAMA KHATULISTIWA, P.T. (Oil Palm Plantation)

BUMI SAWIT BAJENTA, P.T. (Oil Palm Plantation)

BUMI SAWIT KENCANA, P.T. (Oil Palm Plantation)

CITI PRIMA PLAZA, P.T. (Building Rental)

CITRA RIAU SARANA, P.T. (Oil Plam Plantation)

DAYA LABUHAN INDAH, P.T. (Oil Palm Plantation)

DAYA LANDAK PLANTATION, P.T. (Oil Palm Plantation)

DERMAGA SUNGAI MENTAYA, P.T. (Oil Palm Plantation and Investment Holding)

DHARMA WUNGU GUNA, P.T. (Oil Palm Plantation)

DUTA SUGAR INTERNATIONAL, P.T. (Sugar Refinery Plant)

EKA KAHARAP ITAH, P.T. (Oil Palm Plantation)

GERSINDO MINANG PLANTATION, P.T. (Oil Palm Plantation and Refinery)

GUNA KARYA LESTARI, P.T. (Oil Palm Plantation)

GUNA KARYA MANDIRIJAYA, P.T. (Oil Palm Plantation)

HAMPARAN SAWIT EKA, P.T. (Oil Palm Plantation)

INDORESINS PUTRA MANDIRI, P.T. (Oil Palm Plantation)

JAWAMANIS RAFINASI, P.T. (Sugar Refinery Plant)

KARTIKA PRIMA NABATI, P.T. (Investment Holding)

KARUNIA KENCANA PERMAISEJATI, P.T. (Oil Palm Plantation)

KARYA  PRAJONA  NELAYAN, P.T. (Exporter and Processing of Edible  Oil,  Palm  and

Coconut Oil)

KARYA PUTRAKREASI NUSANTARA, P.T. (Palm Kernel/Cooking Oil Processing and Investment Holding)

KENCANA SAWIT INDONESIA, P.T. (Oil palm Plantation and Refinery)

KERRY AGRO MANAGEMENT, P.T. (Management Service in Agrobusiness)

KERRY SAWIT INDONESIA, P.T. (Oil Palm Plantation and Refinery)

MEKAR BUMI ANDALAS, P.T. (Oil Palm Plantation)

MALINDO LESTARI PLANTATIONS, P.T. (Oil Palm Plantation and Refinery)

MENTAYA SAWIT MAS, P.T. (Oil Palm Plantation)

MULTIMAS NABATI ASAHAN, P.T. (Palm Cooking Oil Industry)

MULTI NABATI SULAWESI, P.T. (Crude Coconut Oil Industry)

MURINI SAMSAM, P.T. (Oil Palm Plantation and Refinery)

 

MUSI BANYUASIN INDAH, P.T. (Oil Palm Plantation)

MUSTIKA SEMBULUH, P.T. (Oil Plam Plantation)

NATURA WAHANA GEMILANG, P.T. (Investment Holding)

PELAYARAN TIRTACIPTA MULYAPERSADA, P.T. (Shipping Interinsulair

Services and General Shipping Agencies and Investment Holding)

PERKEBUNAN MILANO, P.T. (Oil Palm Plantation and Refinery)

PERMATA HIJAU PASAMAN, P.T. (Oil Palm Plantation and Refinery)

PETAK MALAI SAWIT MAKMUR, P.T. (Oil Palm Plantation)

PUKAN MANDIRI LESTARI, P.T. (Oil Palm Plantation)

PRATAMA PROSENTINDO, P.T. (Oil Palm Plantation)

PRIMATAMA MULIAJAYA, P.T. (Oil Palm Plantation)

PUTRA INDOTROPICAL, P.T. (Oil palm Plantation)

SARANA TITIAN PERMATA, P.T. (Oil Palm Plantation)

SARI AGROPRATAMA PERSADA, P.T. (Oil Palm Plantation)

SEGAR KEMBANG SEJATI, P.T. (Coconut Oil Refinery)

SELATAN RAYA PERMAI, P.T. (Oil Palm Plantation)

SENTANA ADIDAYA PRATAMA, P.T. (NPK Fertilizer Industry and Trading)

SIAK PRIMA SAKTI, P.T. (Oil Palm Plantation)

SINAR ALAM PERMAI, P.T. (Palm Kernel Oil Processing)

SINARPERDANA CARAKA, P.T. (Oil Palm Plantation)

SINARSIAK DIANPERMAI, P.T. (Oil Palm Plantation)

TANIA SELATAN, P.T. (Oil Palm Plantation and Refinery)

TRADESOUND INVESTMENT LTD., British Virgin Island (Investment Holding)

TRITUNGGAL SENTRA BUANA, P.T. (Oil Palm Plantation)

USDA SEROJA JAYA, P.T. (Shipping Services)

WILMAR BIOENERGI INDONESIA, P.T. (Biodiesel Processing Industry)

CAHAYA CAHAYA INDONESIA Tbk, P.T. (Specialty Vegetable Oil Industry)

WILMAR HOLDINGS LTD., Singapore (Investment Holding)

WILMAR NABATI INDONESIA, P.T. (Crude Palm Oil and Palm Kernel Oil Processing)

WILMAR INTERNATIONAL LTD., Singapore (Trading, Marketing and Investment Holding)

Etc.

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.62.36

UK Pound

1

Rs.101.11

Euro

1

Rs.86.68

 

 

INFORMATION DETAILS

 

Report Prepared by :

NIS

 

 

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.