MIRA INFORM REPORT

 

 

Report Date :

21.09.2013

 

IDENTIFICATION DETAILS

 

Name :

AUSTRALIA MILLING GROUP PTY LTD

 

 

Formerly Known as:

AUSSIE PULSE PROCESSORS PTY LTD

 

 

Registered Office :

47 Golf Course Road, Horsham, Victoria, Zip/postal code 3400

 

 

Country :

Australia

 

 

Financials (as on) :

31.12.2012 (Group Consolidated)

31.12.2012 (Non - Consolidated)

 

 

Date of Incorporation :

06.09.2007

 

 

Com. Reg. No.:

127428406

 

 

Legal Form :

Australian Proprietary Company

 

 

Line of Business :

sourcing, processing (cleaning, splitting, sorting and bagging) and export of pulses and specialty crops

 

 

No. of Employees :

111 employees (Subject); 900 employees (Alliance Grain Traders Group)

 

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 :              AUSTRALIA MILLING GROUP PTY LTD

 

 

Business address :        47 Golf Course Road

Town :                          Horsham

Province :                     Victoria

Zip/postal code :           3400

Country :                       Australia

Tel :                              +61 3 53812555

Fax :                             +61 3 53822612

Email :                          trade@aumg.com.au

Website :                      www.aumg.com.au

 

 

Registered address :     47 Golf Course Road

Town :                          Horsham

Province :                     Victoria

Zip/postal code :           3400

Country :                       Australia

 

 

Postal address :                        P.O. Box 838

Town :                          Horsham

Province :                     Victoria

Zip/postal code :           3400

Country :                       Australia

 

 

SUMMARY DETAILS

 

Executive Summary

Date founded or registered :      06/09/2007

Legal form :                              Australian Proprietary Company

Chief executive :                       Russell Gordon Greening

Issued & paid up capital :          AUD 1

Sales turnover :                         AUD 115,023,581 (Non-Consolidated 12 months, 31/12/2012)

Net income :                             AUD 3,678,411 (Non-Consolidated 12 months, 31/12/2012)

Total fixed assets :                    AUD 119,600,694 (Non-Consolidated 12 months, 31/12/2012)

Line of business :                      Sourcing, processing (cleaning, splitting, sorting and bagging) and export of

pulses and specialty crops.

Staff employed :                       111 employees (Subject); 900 employees (Alliance Grain Traders Group)

 

 


CREDIT RISK OPINION

 

Company Analysis

Country risk :                             Country risk is minimal

Operation trend :                       Operational trend is progressing

Management experience :          Management is reasonably experienced

Financial performance :             Financial performance is good

Organization structure :              Organizational structure is stable

Detrimental :                             No detrimental found

Payment history :                      No payment delays noted

 

 

STATUTORY DETAILS

 

Registry Data

Registration date :                     06/09/2007

Legal form :                              Australian Proprietary Company

Registration no                          Australian Company Number: 127428406

Registered authority :                Australian Securities and Investments Commission

Fiscal/ Tax no :                         Australian Business Number: 57127428406

Registry status :                        Live/Active

Previous name :                        AUSSIE PULSE PROCESSORS PTY LTD (initial)

Change of legal form :               None reported.

 

 

MANAGEMENT / DIRECTORS

 

Key Management

Name :                          Russell Gordon Greening

Designation :                Managing Director

 

 

BOARD OF DIRECTORS/ OTHER APPOINTMENTS

 

Appointments

Name :                          Murad Al-Katib

Designation :                Director

Appointment date :        06/09/07

Address :                      2132 Wascana Greens

Regina, SK S4V 2K8

Canada

Biography :                   Born on 08-10-1972 in Davidson, Saskatchewan, Canada.

Mr. Murad Al-Katib serves as the Chief Executive Officer and

President of Alliance Grain Traders Inc. Mr. Al-Katib serves as the

Chief Executive Officer and President of Alliance Pulse Processors

Inc. He served as the Chief Executive Officer and President of

Saskcan Pulse Trading Inc., a Division of Alliance Pulse Processors

Inc. Mr. Al-Katib served as Chairman of the Board of Trustees of

Alliance Grain Traders Inc., since January 2008 and Trustee since

August 1, 2007. He co-founded Saskcan in 2001 and led its

expansion as processor and seller of pulses and specialty crops.,

over the next six years as its President and Chief Executive Officer.

In 2005, he was elected to Board of Directors of the Canadian

Special Crops Association ("CSCA") and Pulse Canada, the national

association for the pulses and specialty crops industry. He served as

the President of the CSCA and Vice Chair of Pulse Canada since

2006. Also in 2006, he was appointed to the Advisory Board for Small

and Medium Enterprise for the Canadian Minister of International

Trade, David Emerson. He has been a Director of Alliance Grain

Traders Inc. since August 01, 2007. He serves as a Director of

Saskcan Pulse Trading, Inc., and Saskcan Pulse Trading Inc. He

served as a Trustee of Alliance Grain Traders Inc. since August 1,

2007. In October 2004, Mr. Al-Katib was selected as the Prairie

Regional Winner of the Ernst and Young Emerging Entrepreneur of

the year for 2004. In May 2005, he was named one of Canada's Top

40 under 40 years old in Canada by the Caldwell Partners and the

Globe and Mail. In 2006, Murad was awarded a Saskatchewan

Centennial Medal as an outstanding business leader by

Saskatchewan's Lieutenant- Governor. Mr. Al-Katib graduated from

the University of Saskatchewan with a Bachelor of Commerce with

Distinction in Finance and finished his Master of International

Management with Distinction from the American Graduate School of

International Management (Thunderbird) in Arizona.

 

Name :                          Huseyin Arslan

Designation :                Director

Appointment date :        06/09/07

Address :                      Kasim Ekenler Sitesi

C Block, No. 1

Mersin

Turkey

Biography :                   Born on 11-08-1962 in Mersin, Turkey.

Mr. Huseyin Arslan founded Alliance Pulse Processors, Inc. Mr.

Arslan is a Co-Founder of Saskcan Pulse Trading Inc. He has 25

years experience in the international food and agricultural products.

He serves as the Executive Chairman of Alliance Grain Traders Inc

and has been its Director since January 31, 2008. He serves as a

Director of Alliance Pulse Processors Inc. He has been a Director of

Alliance Grain Traders Income Fund since January 31, 2008. He

serves as a Director of Arbel Pulse and Grain Industry SA, Durum

Gida SA, European Tobacco SA in Turkey. He serves as a Director of

Alliance's subsidiaries United Pulse Trading Inc. in North Dakota and

Australia Milling Group. Mr. Arslan holds Bachelor of Science in

Electronics Engineering from Middle East Technical University in

Turkey.


Name :                          Russell Gordon Greening

Designation :                Director

Appointment date :        15/10/08

Address :                      22 Watersedge Close

Knoxfield, VIC 3180

Australia

Biography :                   Born on 29-08-1953 in Korumburra, Victoria, Australia.

 

Name :                          Kevin John Michael Scoullar

Designation :                Company Secretary

Appointment date :        31/12/11

Address                        6 Lawson Close

Horsham, VIC 3400

Australia

Biography :                   Born on 05-11-1977 in Albury, New South Wales, Australia.

Staff employed :           111 employees (Subject); 900 employees (Alliance Grain Traders Group)

 

Key Advisors

Auditors :                      CAPITIS ACCOUNTING SOLUTIONS

35 McLachlan Steet

Horsham, VIC 3400

Australia

 

SHARE CAPITAL

 

Composition

Authorized Capital :       AUD 1

No of shares :               1 Ordinary Share

Share par value :           AUD 1

Issued capital :              AUD 1

Paid up capital :            AUD 1

 

 

OWNERSHIP / SHAREHOLDERS

 

How listed :                   Full List

 

Composition

Shareholder name :       ALLIANCE PULSE PROCESSORS INC.

Address :                      No. 1 Highway East

South Tower Road

Regina, SK S4N 7K9

Canada

No. of shares :              1 Ordinary Share

% of shares :                100%

 

 

 

RELATED COMPANIES & CORPORATE AFFILIATIONS

 

Structure

Name :                          ALLIANCE GRAIN TRADERS INC.

Affiliation type :                        Ultimate Holding Company

Address :                      No. 1 Highway East

South Tower Road

Regina, SK S4N 7K9

Canada

Comments :                  Alliance Grain Traders Inc. engages in sourcing, processing, distributing, and

exporting pulses and staple food products worldwide. The company offers red,

green, and yellow lentils; yellow and green whole and split peas; kabuli, desi, and

split desi chickpeas; white, navy, romano, pinto, barbunya, dark and light red

kidney, faba, black, and red beans; milled durum wheat products, such as pasta,

semolina, and bulgur products; food ingredients, including flour, protein, starch,

and fiber derived from pulses, durum wheat, and rice; and other products

comprising rice, popcorn, sunflower seeds, canary seeds, flax seeds, edible oils,

feed items, spices, and other commodities. It is also involved in trading edible oils

and crystal sugar, vegetable oils, salt, potatoes, and fresh fruits and vegetables.

The company markets its products to importers, canners, packaging companies,

wholesalers, and distributors. Alliance Grain Traders Inc. is headquartered in

Regina, Canada.

 

Name :                          ALLIANCE PULSE PROCESSORS INC.

Affiliation type :                        Parent Company

Address :                      No. 1 Highway East

South Tower Road

Regina, SK S4N 7K9

Canada

 

 

Name :                          ARBEL BAKLIYAT HUBUBAT SANAYI VE TICARET A.S.

Affiliation type :                        Sister Company

Address :                      Yeni Mahalle, Cumhuriyet Bulvari

No: 73/4, 33281 Kazanli

Mersin

Turkey

 

Name :                          UNITED PULSE TRADING INC.

Affiliation type :                        Sister Company

Address :                      1611 E. Century Avenue, Suite 102

Bismarck, ND 58503-0780

United States

 


Name :                          ALLIANCE GRAIN TRADERS (TIANJIN) CO., LTD.

Affiliation type :                        Sister Company

Address :                      A-2-301, No. 149 Weijin Road

Heping District

Tianjin

China

 

Related companies and corporate affiliations comments

: Other companies of the Alliance Grain Traders Group should be considered affiliates of the Subject.

 

 

BANK & MORTGAGES

 

Bank Details

Name of bank :                         National Australia Bank Limited

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 :                      31/12/12

Type of accounts :                                Full audited

Currency :                                             Australia Dollar (AUD)

Exchange rate :                                     1 USD = AUD 1.05 as of 19-09-2013

 


 

Summarized Financial Information

Consolidation type :                  Non Consolidated         Non Consolidated         Group Consolidated

Currency :                                 Australia Dollar (AUD)    Australia Dollar (AUD)    Canada, Dollar (CAD)

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

Date of financial year end :        31/12/12                        31/12/11                        31/12/12

Length of accounts :                 12 months                     12 months                     12 months

Sale turnover / Income :             115,023,581                  90,918,007                    855,324,677

Gross profit :                            7,923,846                      7,995,974                      67,561,152

Profit before tax :                      5,734,208                      4,977,255                      10,843,784

Net income :                             3,678,411                      3,796,999                      6,811,585

Non current assets :                  34,544,700                    32,496,252                    294,555,612

Current assets :                         85,055,994                    46,319,249                    417,935,344

Inventories :                              37,337,287                    25,054,772                    188,881,727

Total assets :                            119,600,694                  78,815,501                    712,490,956

Current liabilities :                      29,230,715                    9,826,646                      351,353,836

Non current liabilities :               48,370,935                    65,668,222                    91,289,567

Total liabilities :                                     77,601,650                    75,494,868                    442,643,403

Share equity :                            41,999,044                    3,320,633                      269,847,553

Retained earning :                     6,999,043                      3,320,632                      22,627,852

 

 

Comments :                  Based on the Subject's financial statement, the vast difference of current assets

for financial year end 2012 and 2011 is due to increase in trade and other

receivables and inventories.

 

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

 

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

Ultimate Holding Company Alliance Grain Traders Inc. and all its subsidiaries

which include the Subject.

 

OPERATION DETAILS

 

Main activities :                         The Subject engages in sourcing, processing (cleaning, splitting, sorting

and bagging) and export of pulses and specialty crops.

The Subject has 4 milling plants located across Australia.

The Subject is ultimately owned by Alliance Grain Traders Inc.

Alliance Grain Traders Inc. (AGT) through its subsidiaries is engaged in the

business of sourcing and processing (cleaning, splitting, sorting and

bagging) specialty crops, primarily for export markets. Through its two

segments, AGT handles a range of pulses and specialty crops including

lentils, peas, chickpeas, beans and canary seed, flax and other specialty

seeds. The Company’s operating segments are pulses and grains

processing, and supply chain management and distribution. The pulses

and grains processing includes the operations of AGT factories across its

global platform. The segment’s business includes sourcing pulses and

grains from producers, processing them through its factories and selling

these products to its network of clients. The segment includes all pulses

processed in AGT factories in Canada, the United States, Australia, and

Turkey. Supply chain management and distribution brings its range of

pulses and specialty crops direct to wholesale and retail markets.

 

Product & services :

·         Lentils

·         Chickpeas

·         Lupin

·         Faba/broad beans

·         Field peas

 

Purchases

Local :                          Yes

International :                Worldwide

 

Sales

Local :                          Yes

International :                Worldwide

Key events :                  24 January 2013

Alliance Grain Traders Inc Announces CAD300 Million Senior Secured

Credit Facilities

 

Alliance Grain Traders Inc announced that its wholly owned subsidiary,

Alliance Pulse Processors Inc. (APP), has entered into an aggregate

amount of CAD300 million credit facilities with The Bank of Nova Scotia

and a syndicate of six other lenders: HSBC Bank Canada, Canadian

Imperial Bank of Commerce, Farm Credit Canada, Alberta Treasury

Branches, Export Development Canada and ICICI Bank Canada. The

credit facilities includes an aggregate amount of CAD270 million senior

secured credit facilities and a CAD30 million accordion that increases the

size of the facilities to CAD300 million. The credit facilities will be used for

general corporate purposes as well as to consolidate APP's existing bank

credit facilities and contains financing tranches that may be utilized for

future permitted acquisitions and capital expenditures as set forth in the

credit facilities. The new facilities have maturity dates of January 24, 2016

which may be extended at the request of APP for one-year periods with the

consent of the syndicate and are subject to certain other terms and

conditions. The terms of the credit facilities include customary conditions,

events of default, covenants and representations and warranties. The

credit facilities are guaranteed by AGT and a select number of its direct

and indirect wholly-owned subsidiaries. Scotia Capital served as Lead

Arranger and Bookrunner, with The Bank of Nova Scotia acting as

Administration Agent.

 

Source: Businessweek

 

 

Property & Assets

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

consisting of a production facility, warehouse and an administrative office.


Branches :

 

In addition, the Subject operates from the following branches located at:

 

Lot 1, Beare Road

Kadina, SA 5554

Australia

Phone: +61 08 88214855

Fax: +61 08 88214866

 

Lot 6 Hundred of Inkerman, Balco Road

Bowmans, SA 5550

Australia

Phone: +61 08 88621462

Fax: +61 08 88621647

 

139 Railway Street North

Narrabri, NSW 2390

Australia

Phone: +61 02 67924933

Fax: +61 02 67924894

 

Corner Gore Highway & Holbrook Road

Westbrook, QLD 4350

Australia

Phone: +61 7 4630 6139

Fax: +61 7 4630 6190

 

 

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 &  aming), 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

Local :                          Bank transfer, D/P, Credit 30-120 days

International :                L/C, Telegraphic transfer, D/P, Credit 30-120 days

 

 

Sales Term

Local :                          Bank transfer, D/P, Credit 30-120 days

International :                L/C, Telegraphic transfer, D/P, Credit 30-120 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.62.24

UK Pound

1

Rs.99.90

Euro

1

Rs.84.23

 

INFORMATION DETAILS

 

Report Prepared by :

MNL

 

RATING EXPLANATIONS

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

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

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

----

NB

New Business

----

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.