MIRA INFORM REPORT

 

 

Report Date :

14.10.2013

 

IDENTIFICATION DETAILS

 

Name :

ANZCHEM PTY LIMITED

 

 

Registered Office :

Building A, Level 1 11 Talavera Road North Ryde New South Wales 2113

 

 

Country :

Australia

 

 

Financials (as on) :

31.08.2012

 

 

Date of Incorporation :

30.12.2002

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

Import & distribution of pharmaceutical, veterinary, nutraceutical and food ingredients products.

 

 

No. of Employees :

20

 

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 – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

Australia

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

AUSTRALIA - ECONOMIC OVERVIEW

 

The Australian economy has experienced continuous growth and features low unemployment, contained inflation, very low public debt, and a strong and stable financial system. By 2012, Australia had experienced more than 20 years of continued economic growth, averaging 3.5% a year. Demand for resources and energy from Asia and especially China has grown rapidly, creating a channel for resources investments and growth in commodity exports. The high Australian dollar has hurt the manufacturing sector, while the services sector is the largest part of the Australian economy, accounting for about 70% of GDP and 75% of jobs. Australia was comparatively unaffected by the global financial crisis as the banking system has remained strong and inflation is under control. Australia has benefited from a dramatic surge in its terms of trade in recent years, stemming from rising global commodity prices. Australia is a significant exporter of natural resources, energy, and food. Australia's abundant and diverse natural resources attract high levels of foreign investment and include extensive reserves of coal, iron, copper, gold, natural gas, uranium, and renewable energy sources. A series of major investments, such as the US$40 billion Gorgon Liquid Natural Gas project, will significantly expand the resources sector. Australia is an open market with minimal restrictions on imports of goods and services. The process of opening up has increased productivity, stimulated growth, and made the economy more flexible and dynamic. Australia plays an active role in the World Trade Organization, APEC, the G20, and other trade forums. Australia has bilateral free trade agreements (FTAs) with Chile, Malaysia, New Zealand, Singapore, Thailand, and the US, has a regional FTA with ASEAN and New Zealand, is negotiating agreements with China, India, Indonesia, Japan, and the Republic of Korea, as well as with its Pacific neighbors and the Gulf Cooperation Council countries, and is also working on the Trans-Pacific Partnership Agreement with Brunei Darussalam, Canada, Chile, Malaysia, Mexico, New Zealand, Peru, Singapore, the US, and Vietnam

Source : CIA


Identification details

 

Verified Address

Subject name :              ANZCHEM PTY LIMITED

Business address :        Mills Waterfront Estate

19/52 Holker Street

Town :                          Silverwater

Province :                     New South Wales

Zip/postal code :           2128

Country :                       Australia

Tel :                              +61 2 94752200

Fax :                             +61 2 94752211

Email :                          info@anzchem.com.au

Website :                      www.anzchem.com.au

 

Registered address :     Building A, Level 1

11 Talavera Road

Town :                          North Ryde

Province :                     New South Wales

Zip/postal code :           2113

Country :                       Australia

 

 

SUMMARY DETAILS

 

Executive Summary

Date founded or registered :                  30/12/2002

Legal form :                                          Australian Proprietary Company

Chief executive :                                   Manjit Singh

Issued & paid up capital :                      AUD 50,000

Sales turnover :                                     AUD 17,778,258 (Non-consolidated 12 months, 31/08/2012)

Net income :                                         AUD 1,404,781 (Non-consolidated 12 months, 31/08/2012)

Total fixed assets :                                AUD 10,290,043 (Non-consolidated 12 months, 31/08/2012)

Line of business :                                  Import & distribution of pharmaceutical, veterinary, nutraceutical and food ingredients products.

Staff employed :                                   20 employees (Subject); 106,243 employees (Associated British Foods Group)

 

 

CREDIT RISK OPINION

 

Credit Risk Interpretation

 

Credit risk rating :          SATISFACTORY

Credit risk theory :         Reasonable financial and operational base. Small credits may be considered with

some confidence that commitments will be sustained under normal

circumstances. This is based on criterions such as years of establishment,

number of employees, sales turnover, profit after tax, total assets, reserve, and

others. A cautious credit control policy applies.

 

 

Company Analysis

 

Country risk :                             Country risk is minimal

Operation trend :                       Operational trend is steady

Management experience :          Management is adequately experienced

Financial performance :             Financial performance is fair

Organization structure :              Organizational structure is stable

Detrimental :                             No detrimental found

Payment history :                      No payment delays noted

Credit amount suggestion :        USD 650,000

Credit amount asked :                Not described.

Comments :                              Larger credit can still be considered if guaranteed by Intermediate Holding

Company.

 

 

STATUTORY DETAILS

 

Registry Data

 

Registration date :                                             30/12/2002

Legal form :                                                      Australian Proprietary Company

Registration no Australian Company Number:     103260215

Registered authority :                                        Australian Securities and Investments Commission

Fiscal/ Tax no :                                                 Australian Business Number: 27103260215

Registry status :                                                Live/Active

Previous name :                                                NEW ABF COMPANY PTY LTD (initial)

Change of legal form :                                       None reported.

Other registration :                                             ANZCHEM is a business name owned by the Subject registered on 18/10/2004 under business registration numbers: B1791574M and BN98095817.

 

 

MANAGEMENT / DIRECTORS

 

Key Management

 

Name :                          Manjit Singh

Designation :                Managing Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

Name :                          Shuvasis Rana Kayal

Designation :                Director

Appointment date :        21/01/03

Address :                      917 Winding Lane

Media, PA 19103

United States Of America

Biography :                   Born on 07-02-1961 in Calcutta, India.

 

Name :                          Manjit Singh

Designation :                Director

Appointment date :        30/10/07

Address :                      7A Bernard Place

Cherrybrook, NSW 2126

Australia

Biography :                   Born on 27-03-1955 in Mombassa, Kenya.

 

Name :                          David Ross Wallace

Designation :                Director

Appointment date :        28/07/11

Address :                      5 Kentia Place

Alfords Point, NSW 2234

Australia

Biography :                   Born on 14-04-1966 in Bankstown, New South Wales, Australia.

 

Name :                          Melanie Jean Jones

Designation :                Director

Appointment date :        17/09/12

Address :                      24 Fordham Drive

Aberdeen, NJ 07747

United States of America

Biography :                   Born on 18-05-1965 in Gatesville, United States of America.

 

Name :                          Andrew Gerard Frank Cullen

Designation :                Company Secretary

Appointment date :        26/02/13

Address :                      43 Darnley Street

Gordon, NSW 2072

Australia

Biography :                   Born on 17-10-1970 in London, United Kingdom.

Staff employed :           20 employees (Subject); 106,243 employees (Associated British Foods Group)

 

 

Key Advisors

Auditors :                      KPMG

10 Shelley Street

Sydney, NSW 2000

Australia

 

SHARE CAPITAL

 

Composition

Authorized Capital :                   AUD 50,000

No of shares :                           50,000 Ordinary Shares

Share par value :                       AUD 1

Issued capital :                          AUD 50,000

Paid up capital :                        AUD 50,000

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed :       Full List

 

Composition

Shareholder name :       SPI PHARMA INC

Address :                      321 Cherry Lane

New Castle De 19720

United States of America

No. of shares :              50,000 Ordinary Shares

% of shares :                100%

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

Name :                          GARFIELD WESTON FOUNDATION

Affiliation type :                        Ultimate Holding Company

Address :                      Weston Centre

10 Grosvenor Street

London W1K 4QY

United Kingdom

Comments :                  The W. Garfield Weston Foundation is a private Canadian family foundation,

established in the 1950's by Willard Garfield Weston and his wife Reta. In 1924

Garfield inherited his father's company and during his life established bakeries

and other successful enterprises throughout Canada and in many parts of the

world. Today, these businesses include the George Weston Limited and Loblaw

Companies Limited, companies in food retailing, processing and distribution. The

founders believed that as the funds are generated through the hard work and

success of these Canadian companies, grants should be given in Canada for the

benefit of Canadians. For three generations, the W. Garfield Weston Foundation

has maintained a family tradition of supporting charitable organizations across

Canada. Today the Foundation directs the majority of its funds to projects in the

fields of land conservation, education, and science in Canada's North.

 

Name :                          WITTINGTON INVESTMENTS LIMITED

Affiliation type :                        Superior Holding Company

Address :                      Weston Centre

10 Grosvenor Street

London W1K 4QY

United Kingdom

Comments :                  Wittington Investments Limited is a holding company, which through its

subsidiaries processes and distributes food products. The company's subsidiaries

also operate furniture and furnishing stores. Wittington Investments Limited was

incorporated in 1941 and is based in London, United Kingdom. The company

operates as a subsidiary of Garfield Weston Foundation.

Wittington Investments Limited is an unquoted British investment company. It is

79.2% owned by the Garfield Weston Foundation, which is one of the UK's

largest grant-making trusts, and 20.8% owned by members of the Weston family.

Wittington Investments owns 54.5% of Associated British Foods, which is one of

the largest food companies in the world, and is itself the parent company of

Primark, the largest discount clothing chain in the UK and Ireland. Wittington

Investments also owns London department store Fortnum & Mason and Heal's, a

UK chain of homeware and furnishing department stores, It also owns De

Bijenkorf an upscale department store in Holland. Associated British Foods also

own British Sugar processor of all of the UK beet crop and producer of half the

UK consumption of sugar.

 

Name :                          ASSOCIATED BRITISH FOODS PLC

Affiliation type :                        Intermediate Holding Company

Address :                      Weston Centre

10 Grosvenor Street

London W1K 4QY

United Kingdom

Comments :                  Associated British Foods plc operates as a diversified food, ingredients, and retail

group worldwide. The company operates through five segments: Grocery, Sugar,

Agriculture, Ingredients, and Retail. The Grocery segment manufactures and sells

grocery products, including hot beverages, sugar and sweeteners, vegetable oils,

bread and baked goods, cereals, ethnic foods, herbs and spices, and meat

products to retail, wholesale, and foodservice businesses. The Sugar segment

engages in growing and processing sugar beet and sugar cane for sale to

industrial users. The Agriculture segment manufactures animal feeds and other

products for the agriculture sector, as well as offers technology and services to

the food, drink, and animal feed sectors. The Ingredients segment manufactures

bakers’ yeast, bakery ingredients, specialty proteins, enzymes, lipids, and yeast

extracts. The Retail segment is involved in buying and merchandising clothing

and accessories through the Primark and Penneys retail chains, which offer

womenswear, lingerie, childrenswear, menswear, footwear, accessories, hosiery,

and homeware. The company was founded in 1935 and is based in London, the

United Kingdom. Associated British Foods plc is a subsidiary of Wittington

Investments Limited.

 

Name :                          SPI PHARMA, INC.

Affiliation type :                        Sister Company

Address :                      40 Cape Henlopen Drive

Lewes, DE 19958

United States

Comments :                  SPI Pharma, Inc. provides custom formulation solutions for pharmaceutical and

neutriceutical, and animal health markets. The company offers excipients,

including effervescent powders, fructose and maltose powders, liquid sorbitol,

lubricants, mannitol, sorbitol, and specialty binders/buffers. It also offers antacid

actives, such as coblend suspension products, DC powders, aluminum hydroxide

dried gels, magnesium hydroxide pastes, magnesium hydroxide powders, and

vaccine support products; and drug delivery systems and solutions. The company

offers its products for application in solid dosage formulation, viscous

suspensions/blends, DC chewing gum, effervescent systems,

chewable/quick-dissolve tablets, and customized granulations. It sells its products

through distributors in Americas, Europe, the Middle East, Africa, and the Asia

Pacific. The company also engages in the distribution of pharmaceutical,

veterinary, nutraceutical, and food ingredients to customers in Australia. SPI

Pharma, Inc. was formerly known as SPCA Barcroft. The company was founded

in 1930 and is based in Wilmington, Delaware. It has facilities in Lewes and New

Castle, Delaware; Septemes, France; Grand Haven, Michigan; and Bengaluru,

India. SPI Pharma, Inc operates as a subsidiary of Associated British Foods plc.

 

 

Name :                          AB MAURI MALAYSIA SDN. BHD.

Affiliation type :                        Sister Company

Address :                      Lot 4185, Kg. Baru Balakong

43300 Balakong

Selangor Darul Ehsan

Malaysia

 

Related companies and corporate

 

affiliations comments : Other companies of the Associated British Foods Group should be considered

affiliates of the Subject.

 

 

BANK & MORTGAGES

 

Bank Details

Name of bank :             National Australia Bank

Address :                      Australia

Account details :           Current Account

Comments :                  It is generally not the policy of local banks to provide credit status information to

non related parties, however interested parties would be advised to consult first

with the Subject if banker's references are required.

Mortgages :                  None reported.

 

Legal Fillings

Bankruptcy fillings :       None reported.

Court judgements :        None reported.

Tax liens :                     None reported.

Others :                        None reported.

 

 

FINANCIAL DATA

 

Description

Source of financial statement :   Commercial Registry Filings

Financial statement date :          31/08/12

Type of accounts :                    Full audited

Currency :                                 Australia Dollar (AUD)

Exchange rate :                         1 USD = AUD 1.05 as of 11-10-2013

 

Summarized Financial Information

Consolidation type :                  Non Consolidated Non Consolidated Group Consolidated

Currency :                                 Australia Dollar (AUD) Australia Dollar (AUD) United Kingdom, Pound

(GBP)

Denomination :                          (x1) One            (x1) One            (x1) One

Date of financial year end :        31/08/12            31/08/11            15/09/12

Length of accounts :                 12 months        12 months         12 months

Sale turnover / Income :             17,778,258        17,229,089        12,252,000,000

Gross profit :                            4,317,034          3,918,562

Profit before tax :                      2,000,520          1,480,041          761,000,000

Net income :                             1,404,781          1,019,126         583,000,000

Non current assets :                  315,969 280,506 6,        971,000,000

Current assets :                         9,974,074          8,176,589         3,269,000,000

Inventories :                              3,790,078          3,795,875         1,500,000,000

Total assets :                            10,290,04          3 8,457,095       10,240,000,000

Current liabilities :                      3,826,311          3,325,308          2,588,000,000

Non current liabilities :               18,977              88,813             1,431,000,000

Total liabilities :                         3,845,288         3,414,121          4,019,000,000

Share equity :                            6,444,755         5,042,974          6,221,000,000

Retained earning :                     6,432,755          5,027,974          5,099,000,000

Comments :                              The non-consolidated financial information above relates to the Subject only.

The group’s consolidated financial information above relates to the Subject’s

Intermediate Holding Company Associated British Foods PLC and all its

subsidiaries which include the Subject.

 

 

OPERATION DETAILS

 

Main activities :                         The Subject engages in import & distribution of pharmaceutical,

 veterinary, nutraceutical and food ingredients products.

The Subject was formed as the regional office for SPI Pharma Inc. based in

United States of America.

 

The Subject is a wholly owned subsidiary of SPI Pharma Inc. which is

engaged in custom formulation solutions for pharmaceutical and

nutraceutical manufacturers.

 

SPI Pharma, Inc. provides custom formulation solutions for pharmaceutical

and neutriceutical, and animal health markets. The company offers

excipients, including effervescent powders, fructose and maltose powders,

liquid sorbitol, lubricants, mannitol, sorbitol, and specialty binders/buffers. It

also offers antacid actives, such as coblend suspension products, DC

powders, aluminum hydroxide dried gels, magnesium hydroxide pastes,

magnesium hydroxide powders, and vaccine support products; and drug

delivery systems and solutions.

 

It sells its products through distributors in Americas, Europe, the Middle

East, Africa, and the Asia Pacific. The company also engages in the

distribution of pharmaceutical, veterinary, nutraceutical, and food

ingredients to customers in Australia. SPI Pharma, Inc. was formerly known

as SPCA Barcroft. The company was founded in 1930 and is based in

Wilmington, Delaware. It has facilities in Lewes and New Castle, Delaware;

Septemes, France; Grand Haven, Michigan; and Bengaluru, India.

 

Product & services :                  Pharmaceutical ingredients: Active Pharmaceutical Ingredient, Excipients,

Drug Delivery System

Food Ingredients: Antioxidants, Bulking Agents – Maltodextrin, Dextrose,

Colours – Natural & Artificial, Emulsifiers, Fibres, Flavours – Natural,

Nature Identical & Artificial, Fruits and Vegetables Products - IQF, Puree,

Juice Concentrates, Freeze Dried, Extracts., Hydrocollids, Preservatives –

Natural & Synthetic, Proteins – Animal & Vegetable, Starches, Sweeteners

– Natural & Synthetic, Vegetable Oils

 

Nutraceutical and functional ingredients: Amino Acids, Antioxidants,

Bioflavonoids, Carbohydrates, Co Enzyme Q10, Dietary Fibres, Dietary

Supplements, Extracts, Fat Substitutes, Fruit & Vegetable Products – IQF,

Puree, Juice Concentrates, Freeze Dried, Extracts., Functional lipids, Joint

Health Ingredients, Minerals, Nutritive oils . Vegetable and Marine, Plant &

Herbal Extract, Prebiotics, Probiotics, Proteins – Vegetable and Animal,

Sugar Substitutes, Sweeteners, Vitamins

 

Animal health ingredients: Amino Acids, Antioxidants, Emulsifiers, Nutritive

oils – Vegetable and Marine Source, Proteins – Animal & Vegetable,

Starches, Veterinary raw materials

 

Purchases

International :    Asia, Europe, United States

 

Sales

Local :              Yes

International :    Asia, Europe, United States

 

Property & Assets

 

Premises :        The Subject operates from premises located at the verified heading

address consisting of an administrative office and warehouse.

Branches :        None reported.

Other property : Total NBV of property, plant and equipment as of 31-08-2012 was AUD

47,328

 

 

SUMMARIZED COUNTRY RISK

 

Gross Domestic Products (GDP) & Economic Overview

 

Central bank :                                        Reserve Bank of Australia

Reserve of foreign exchange & gold :    US$ 46.714 billion

Gross domestic product - GDP :            US$ 1.586 trillion

GPP (Purchasing power parity)              : 954.296 billion of International dollars

GDP per capita - current prices :            US$ 68,916

GDP - composition by sector :              agriculture: 4%

industry: 25.6%

services: 70.4%

Inflation :                                              2010: 2.8%

2011: 3.4%

2012: 2.7%

Unemployment rate :                             2010: 5.2%

2011: 5.1%

2012: 5.2%

Public debt

(General Government gross debt as

a % GDP) :                                           2010: 20.4%

2011: 22.9%

2012: 24%

Government bond ratings :                    Standard & Poor's: AAA

Moody's rating: Aaa

Moody's outlook: STA

Market value of publicly traded

Shares :                                                US$1.198 trillion

Largest companies in the country :         Qantas Airways (Airline),Coca-Cola Amatil (Beverages), CSL (Biotechs),

Brambles (Business & Personal Services),Crown Ltd (Casinos & Gaming),

Amcor (Containers & Packaging),Suncorp-Metway (Diversified Insurance),

BHP Billiton (Diversified Metals & Mining),Newcrest Mining (Diversified

Metals & Mining), Orica (Diversified Metals & Mining), Iluka

Resources(Diversified Metals & Mining), Origin Energy (Electric Utilities),

AGL Energy (Electric Utilities), Wesfarmers (Food Retail), Woolworths

(Food Retail), Metcash (Food Retail), Macquarie Group (Investment

services), AMP (Investment services), Challenger Ltd (Investment

services), Fortescue Metals Group (Iron & Steel), Bluescope Steel (Iron & Steel), Commonwealth Bank (Major Banks), Westpac Banking Group

(Major Banks), National Australia Bank (Major Banks), ANZ (Major Banks),

Woodside Petroleum (Oil & Gas Operations), Santos (Oil & Gas

Operations), Caltex Australia (Oil & Gas Operations), WorleyParsons (Oil

Services & Equipment), Toll Holdings (Other Transportation), Transurban

Group (Other Transportation), QBE Insurance Group (Property & Casualty

Insurance), Insurance Australia Group (Property & Casualty Insurance),

QR National (Railroads), Westfield Group (Real Estate), Stockland

Australia (Real Estate), Westfield Retail Trust (Real Estate), Lend Lease

(Real Estate), CFS Retail Property Trust (Real Estate), Goodman Group

(Real Estate), Bendigo & Adelaide Bank (Regional Banks), Bank of

Queensland (Regional Banks), Incitec Pivot (Specialized Chemicals),

Telstra (Telecommunications Services)

 

Trade & Competitiveness Overview

 

Total exports :               US$263.9 billion

Exports commodities : Coal, iron ore, gold, meat, wool, alumina, wheat, machinery and transport

equipment

Total imports :               US$239.7 billion

Imports commodities :   Machinery and transport equipment, computers and office machines,

Telecommunication equipment and parts; crude oil and petroleum products

Export - major partners : China 27.4%, Japan 19.2%, South Korea 8.9%, India 5.8%

Import - major partners : China 18.5%, US 11.4%, Japan 7.9%, Singapore 6.3%, Germany 4.7%

FDI Inflows : 2009:        US$26,554 million

2010: US$35,556 million

2011: US$41,317 million

FDI Outflows : 2009:      US$16,693 million

2010: US$12,791 million

2011: US$19,999 million

 

Best countries for doing business :        10 out of 185 countries

Global competitiveness ranking :            20 (ranking by country on a basis of 144, the first is the best)

 

Country and Population Overview

 

Total population :                      22.68 million

Total area :                                7,692,024 km2

Capital :                                    Canberra

Currency :                                 Australian dollars (AUD)

Internet users as % of total

population:                               79%

 

 

PAYMENT HISTORY

 

Purchase Term

International :    L/C, Telegraphic transfer, D/P, Credit 30-90 days

 

Sales Term

 

Local :              Prepayment, Bank transfer, D/P, Credit 30-90 days

International :    L/C, Telegraphic transfer, D/P, Credit 30-90 days

 

Trade Reference/ Payment

Behaviour

Comments :      As local and international trade references were not supplied, the Subject's

payment track record history cannot be appropriately determined but based

on our research, payments are believed to be met without delay.

 

Investigation Note

Sources :          Interviews and material provided by the Subject

:                       Other official and local business sources


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.16

UK Pound

1

Rs.97.77

Euro

1

Rs.82.78

 

 

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.