MIRA INFORM REPORT

 

 

Report Date :

18.08.2014

 

IDENTIFICATION DETAILS

 

Name :

ARXO RESOURCES LIMITED

 

 

Formerly Known as:

ZIRCONIUM RESOURCES LIMITED

 

 

Registered Office :

17 Neofytou Nikolaidi, & Kilkis Corner, S. Pittokopitis Bldg., 1st Floor, Apt. 108-110, Pafos, 8011

 

 

Country :

Cyprus

 

 

Date of Incorporation :

01.02.2008

 

 

Com. Reg. No.:

C221459

 

 

Legal Form :

Limited Company

 

 

Line of Business :

Wholesale of metals and metal ores

 

 

No. of Employees

Not Available

 

RATING & COMMENTS

 

MIRA’s Rating :

Ca

 

RATING

STATUS

PROPOSED CREDIT LINE

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

 

Status :

Offshore Company

 

 

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 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Cyprus

B2

B2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

CYPRUS - ECONOMIC OVERVIEW

 

The area of the Republic of Cyprus under government control has a market economy dominated by the service sector, which accounts for four-fifths of GDP. Tourism, financial services, and real estate have traditionally been the most important sectors. Cyprus has been a member of the European Union (EU) since May 2004 and adopted the euro as its national currency in January 2008. During the first five years of EU membership, the Cyprus economy grew at an average rate of about 4%, with unemployment between 2004 and 2008 averaging about 3%. An overextended banking sector with excessive exposure to Greek debt resulted in a contraction in economic growth. Two of Cyprus' biggest banks were among the largest holders of Greek bonds in Europe and had a substantial presence in Greece through bank branches and subsidiaries. Following numerous downgrades of its credit rating, Cyprus lost access to international capital markets in May 2011. The economy contracted by an accumulated 8.2% between 2009 and 2013 and is not expected to return to positive growth before 2015. Unemployment is currently over 17% and expected to reach 19% in 2014. In July 2012, Cyprus became the fifth eurozone government to request an economic bailout program from the European Commission, European Central Bank and the International Monetary Fund - known collectively as the "Troika". Shortly after the election of President Nicos ANASTASIADES in February 2013, Cyprus faced an economic crisis and agreed with the Troika to a $13 billion bailout that included losses on uninsured bank deposits. The bailout triggered a two-week bank closure and the imposition of capital controls, some of which remained in place through 2014. Cyprus' two largest banks merged and the combined entity was recapitalized through conversion of some large bank deposits to shares and imposition of losses on some bank bondholders. The Troika conditioned the bailout on progress in financial and structural reforms and privatization of state-owned enterprises. Cyprus has downsized and restructured its banking sector significantly. Three positive reviews by the Troika since May 2013 indicate that Cyprus’ bailout program is on track with a fourth review scheduled in May 2014. In October 2013, Cyprus completed preliminary appraisal of hydrocarbon deposits in its territorial waters, which revealed less than anticipated natural gas reserves. Additional exploration drilling is likely to continue in 2014-2015.

Source : CIA

 

 

 


Basic Information

 

Registered Name

ARXO RESOURCES LIMITED

English Name

ARXO RESOURCES LIMITED

Registered Address

17 Neofytou Nikolaidi, & Kilkis Corner, S. Pittokopitis Bldg., 1st Floor, Apt. 108-110, Pafos, 8011, Cyprus

Headquarters:

17 Neofytou Nikolaidi Kai Kilkis, Pittokopitis Business Centre, Office 109, Pafos, 8011, Cyprus

Telephone

+35726257052

E-mail

info@tharisa.com , sales@arxo.eu

Web Site

http://www.tharisa.com/

Status

Registered and operational

Legal Type

Limited Company

Registration No

C221459

Registration Date

01/02/2008

Start Date

01/02/2008

Years of Operation:

6

Last return

13/02/2014

Tax Reg No:

VAT:CY10221459H

CINFO ID:

CYC23156899

 

 

 

 

Summary

 

Employees

August 2014

 

Company

 

Total Number

Not Available

 

 

 

Payment

 

Assessment:

Nil Rating

Payment Habits:

NO COMPLAINTS

A check against all available information sources revealed that no late payment incidents against Subject Company exist.

 

Financial strength

Unable to comment

Given that the present is an International Business Company - IBC (Offshore Company) and most of its activities are carried out outside Cyprus, coupled with the fact that no further detailed financial information is available, we feel unable to express a safe and reliable opinion on their creditability and commercial morality of the subject

 

 

 

Business History

 

Date

Event Name

Old Value

New Value

19/04/2011

Change of name

ZIRCONIUM RESOURCES LIMITED

ARXO RESOURCES LIMITED

 

 

Previous Locations

 

Registered

From:

To:

3, Alkiviadi, Pafos, 8011, , Cyprus,

01/02/2008

31/01/2014

 

 

Capital

 

Authorized Capital

1,000.00

EUR

Issued Capital

1.00

EUR

Nominal No Of Shares

1,000.00

 

Issued No Of Shares

1.00

 

Nominal value

1.00

EUR

Paid Up

1.00

EUR

 

 

Corporate Structure

 

Directors

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

POUROULIS FOIVOS

 

Director

 

1086170(ID)

Businessman

40

04/02/2011

Yes

3 Alkiviadi, Ioannou Bldg., Apt. 402, Pafos, 8011, Cyprus

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

THARISA INVESTMENTS LIMITED

 

02/11/2010

C276151

Registered and operational

Director

07/11/2013

 

THARISA ADMINISTRATION SERVICES LIMITED

 

31/05/2011

C287964

Registered and operational

Director

14/08/2013

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

KUN TU

 

Director

 

G40693302(Passport)

Businessman

44

04/02/2011

No

1896 No 103 Huizhongli, Bldg. B Peking Times Square, Beijing, 100101, Chaoyang, China

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

TAVROS MARIOS

 

Director

 

896874(ID)

Businessman

43

30/01/2013

Yes

4 Vasili Michailidi, Oikia, Apt. 1, Tala, Pafos, 8577, Cyprus

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

IRISTIA HOLDINGS LTD

 

18/06/2007

C202204

Registered and operational

Director / Secretary

07/08/2014

 

THARISA INVESTMENTS LIMITED

 

02/11/2010

C276151

Registered and operational

Director

14/08/2013

 

THARISA ADMINISTRATION SERVICES LIMITED

 

31/05/2011

C287964

Registered and operational

Director

14/08/2013

 

ANDREAS TAVROS HOTEL APPARTMENTS LIMITED

 

24/09/1990

C41416

Registered and operational

Director / Secretary

20/04/2011

 

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

IRISTIA HOLDINGS LTD

 

18/06/2007

C202204

Registered and operational

33.4

07/08/2014

 

ANDREAS TAVROS HOTEL APPARTMENTS LIMITED

 

24/09/1990

C41416

Registered and operational

6

20/04/2011

 

 

 

 

MICHAEL GIFFORD JONES

 

Director

 

M00005889(Passport)

Accountant

52

30/01/2013

Yes

6 Eleventh Avenue, ParkTown North, Johannesburg, 2121, South Africa

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

THARISA INVESTMENTS LIMITED

 

02/11/2010

C276151

Registered and operational

Director

14/08/2013

 

THARISA ADMINISTRATION SERVICES LIMITED

 

31/05/2011

C287964

Registered and operational

Director

14/08/2013

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

Secretary

Position

Acts As

ID

Occupation

Age

Appointed

Other dir.

SANET DE WITT

 

Company Secretary

 

A01634930(Passport)

Certified Secretary

48

13/02/2014

No

17 Neofytou Nikolaidi, & Kilkis Corner, S. Pittokopitis Bldg., 1st Floor, Apt. 108-110, Pafos, 8011, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

No Information Found

 

 

 

 

 

 

 

 

LYSANDRIDES LYSANDROS

 

Company Secretary

 

885902(ID)

Legal Consultant

34

13/02/2014

No

26 Vyronos, 3rd Floor, Nicosia, 1096, Cyprus

Other Directorship:

 

 

 

Name

 

Registration Date

Reg. No.

Status

Position

Update Date

 

CYMAIN REGISTRARS LIMITED

 

31/03/2006

C174490

Registered and operational

Director

03/01/2013

 

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

CYMAIN REGISTRARS LIMITED

 

31/03/2006

C174490

Registered and operational

100

07/10/2008

 

 

 

 

 

Shareholders

ID / Reg. No.

Acts As

Nationality

Shares

%

Shares Breakdown

Class

Type

THARISA PLC

 

C223412

 

-

1

100

-

-

-

 

3 Alkiviadi, Ioannou Court, Ground Floor, Apt. 001, Pafos, 8011, Cyprus

Other Directorship:

 

No Information Found

 

 

 

Other Shareholding:

 

 

 

Name

 

Registration Date

Reg. No.

Status

%

Update Date

 

THARISA INVESTMENTS LIMITED

 

02/11/2010

C276151

Registered and operational

100

13/08/2013

 

THARISA ADMINISTRATION SERVICES LIMITED

 

31/05/2011

C287964

Registered and operational

100

13/08/2013

 

 

 

 

 

Operation

 

Activity Code

Description

NACE 2.1

4672

Wholesale of metals and metal ores - This class includes: - wholesale of ferrous and non-ferrous metal ores - wholesale of ferrous and non-ferrous metals in primary forms - wholesale of ferrous and non-ferrous semi-finished metal products n.e.c. - wholesale of gold and other precious metals - - This class excludes: - wholesale of metal scrap, see 46.77

 

 

Line of Business

Subject is one of the subsidiary companies of Tharisa Plc (Registration Number C223412), a European headquartered integrated resource group incorporating mining, processing, beneficiation, marketing, sales and logistics. Tharisa is a low cost producer of PGMs and chrome concentrate resulting from two distinct revenue streams from a single resource and costs being shared between the commodities. Tharisa's main operations are in Cyprus and South Africa. The Tharisa Mine is chrome mine that has an estimated open-pit life of greater than 23 years and an estimated further 36 years underground and has been in production since November 2009.

Sales and marketing of the Group's chrome products are carried out through the Company's subsidiary Arxo Resources. Arxo Resources purchases chrome concentrate produced by the Tharisa Mine from Tharisa Minerals under an agency and off-take agreement, and then arranges onward sale to the Group's customers in China and other international markets as agent for Tharisa Minerals. Arxo Resources is responsible for building relationships with customers and securing long-term supply commitments through off-take agreements.

 

Export to

Percentage

Comments

Non retrievable

 

 

Import from

Percentage

Comments

Non retrievable

 

Market Territory

 

 

 

 

 

International Presence

100%

 

 

Premises

 

 

 

 

Type

Headquarters

 

 

Address:

17 Neofytou Nikolaidi Kai Kilkis, Pittokopitis Business Centre, Office 109, Pafos, 8011, Cyprus

Headquarters comprise of

Offices

 

Affiliates and Subsidiaries

Relation

Year Reg.

THARISA PLC

Parent Company

2008

3 Alkiviadou, Pafos, 8011, Cyprus

THARISA INVESTMENTS LIMITED

Associated

2010

3 Alkiviadi, Ioannou Bldg, Apt. 01, Pafos, 8011, Cyprus

THARISA ADMINISTRATION SERVICES LIMITED

Associated

2011

3 Alkiviadi, Ioannou Bldg, Apt. 001, Pafos, 8011, Cyprus

 

Charges

 

 

 

 

 

No

Date registered

Date prepared

Type

Description/No

Amount

Sequence

Beneficiary

0

N/A

N/A

N/A

N/A

N/A

N/A

No charges found

 

 

 

 

 

 

Negatives

 

A check against our revealed that no negative payment incidents against the subject company, such as unpaid invoices, dishonored cheques, utility bills, bankruptcies etc. exist.

 

 

 

 

Financial Statement

 

Please note that the latest financial details were not available at the file of the company at the official companies' registry house; as the law provides for all companies. No financial details were available from other public sources.

 

 

Additional Information

 

The subject is an International Business Company - IBC (ex - Offshore Company) registered in Cyprus on 01/02/2008.

IBC companies, being covered by the law of confidentiality, may use nominee shareholders that hold the shares in trust for the beneficial owners. Until recently beneficial owners were made known only to the Central Bank of the Republic of Cyprus, which used to grant permission for the company’s registration in Cyprus. After Cyprus accession into the EU, this practice changed. Beneficial owners of an IBC are now known to the lawyers and / or auditors that undertake the registration of such companies in Cyprus.


In the past IBC’s (ex offshore companies & offshore branches) used to benefit from a corporation tax rate on their profits of 4.25%. However, according to new tax legislation which has been in effect since the 1st January 2003, there is no longer a distinction between local companies and International Business Companies (IBC’s. The net profits of all companies registered in Cyprus are taxed at the rate of 12.5% effective since 1st January 2013.


Furthermore, in the past the law required IBC’s (ex offshore companies & offshore branches), beneficial owners to be non-Cypriot residents and the business activities to be carried out, outside of Cyprus only. This law has changed. IBC entities may have activities worldwide, including in Cyprus. However, in order for an IBC entity to have activities locally, their Memorandum and Articles of Association should provide for that. Most of the IBC entities that were registered before the change of the law have already proceeded with the amendments in their Memorandum and Articles of Association.

The new provisions provide exemptions from tax of income related to Intellectual Property, specifically:

1. 80% of worldwide royalty income generated from Intellectual Property owned by Cypriot resident companies (net of any direct expenses) is exempt from income tax.

2. 80% of profit generated from the disposal of Intellectual Property owned by Cypriot resident companies (net of any direct expenses) is exempt from income tax.

3. There is no defense tax on dividends for non-Cypriot residents.

Any expenditure of a capital nature for the acquisition or development of IP is claimed as a tax deduction in the year in which it was incurred and the immediate four following years on a straight-line.

All the above exemptions are also available for IPs acquired or developed before January 2012.

 

We have contacted the company in question where we talked with the company's managing director, Mr Marios Tavros. Mr Tavros has declined to provide us any information regarding the subject company and has informed us that they are not interested in providing any information at all.

 

CYPRUS COUNTRY DEVELOPMENT

For information concerning recent political, social and economic developments in Cyprus, follow the below link:

http://www.infocreditgroup.com/News/202/en/Cyprus-Country-Development-2014

Methodology Used For Report Preparation

Perform Searches in:

ü      The Registrar of Companies and Official Receiver of the Republic of Cyprus.

ü      In house databases for Detrimental Information for up to 7 years:

-          Bankruptcy and Dissolution procedures.

-          Issuers of Dishonoured Cheques.

-          Unpaid Bills.

ü      Proprietary databases and global subscription sites.

ü      Global and local media.

ü      Internet social networks.

ü      Relationship/Directorship Search through Local Database.

ü      Other local databases as deemed appropriate.

Conduct Interviews with:

ü      Official(s) / correspondent(s) of the company under review.

ü      Supplier(s) or other associated entities of the company.

ü      Other local resources with extensive knowledge of the market.

Analysis

ü      Process and analyse all information gathered.

ü      Perform a thorough quality check of the report prior to sending it to the client.

 

 

 

 

News 

 

 

 

 

 

 

http://www.goldnews.com.cy 01/04/2014

 

Platinum mining company Tharisa Plc became the third basic resources company to list on the Johannesburg Stock Exchange's (JSE) Main Board this year.

 

The Paphos-based company produces and sells platinum group metals (PGM) and chrome concentrate.

 

It holds a 74% stake in Tharisa Minerals, which owns and operates the Tharisa Mine, a shallow and large-scale open pit PGM and chrome mine located outside Rustenburg, South Africa.

 

According to the Group, the mine has an estimated open-pit life of greater than 23 years with an estimated further 36 years underground, and has been in

production since November 2009.

 

Phoevos Pouroulis, CEO of Tharisa Plc, said this was a significant milestone for the company.

 

'We are optimistic about the outlook for platinum and chrome markets and we believe Tharisa is uniquely positioned through our low-cost, open pit

integrated mining, processing, marketing, sales and logistics operations to service the growing global demand in PGM, chrome and other steel raw material

sectors,' he said.

 

On Apr 10, 2014, reported that: Johannesburg, 10 April. This morning Tharisa Plc (JSE:THA) listed on the Johannesburg Stock Exchange (JSE) and became the third company to be welcomed to the exchange's Main Board this year.

 

Tharisa is an integrated resources group incorporating the production and sale of processed platinum group metals (PGM's) and chrome concentrate. The company is headquartered in Cyprus, but holds a 74% shareholding in Tharisa Minerals which owns and operates the Tharisa Mine, a shallow and large-scale open pit PGM and chrome mine located outside Rustenburg. The mine has an estimated open-pit life of greater than 23 years with an estimated further 36 years underground and has been in production since November 2009.

 

'The JSE is proud to be able to play to our part in Tharisa's growth story. Basic resource companies make up almost a quarter of the JSE's total market

capitalisation and are a crucial part of the South African economy. We are pleased to provide a platform where this sector can raise capital to expand

further' says Zeona Jacobs, the Director of Issuer and Investor Relations at the JSE.

 

'Successfully fulfilling our commitment to list on the JSE is an important milestone for all of us at Tharisa and we are grateful for the support from

our shareholders and partners in arriving here. We are optimistic about the outlook for platinum and chrome markets and we believe Tharisa is uniquely

positioned through our low cost, open pit integrated mining, processing, marketing, sales and logistics operations to service the growing global demand

in PGM, chrome and other steel raw material sectors' says Phoevos Pouroulis, the CEO of Tharisa Plc.

 

Tharisa's listing brings the number of basic resource companies listed on the JSE to 68. These companies represent about R2,6 trillion of the JSE's total

market capitalisation of R11,2 trillion. Tharisa will issue up to 257 million shares and will be trading under the Main Board's General Mining subsector.

 

About JSE Limited

 

As South Africa's only full service securities exchange, the JSE connects buyers and sellers in five different financial markets, namely equities, equity derivatives, commodity derivatives, currency derivatives and interest rate products. The JSE Ltd offers the investor a truly first world trading environment, with world class technology, surveillance and settlement in an emerging market context. It is amongst the top 20 largest equities exchanges in terms of market capitalisation in the world. In terms of derivatives, the JSE is currently ranked the 20th largest exchange by the Futures Industry

 

 

http://www.bdlive.co.za/ 10/04/2014

 

BUSINESS DAY TV:

Tharisa Plc marks the newest listing on the JSE and joining me on News Leader is Phoevos Pouroulis, CEO of Tharisa Plc.

 

Were you happy to list at the point that you did because you had the private placement, the capital raising beforehand and you effectively raised half of

what you sought....

 

PHOEVOS POUROULIS: Yes, we're delighted to be listed on the Johannesburg Stock Exchange. The capital that we've raised is sufficient for us to  omplete our optimisation initiatives that we have outlined in our listing statement, being the high-energy flotation, ultra-fine grind and magnetic separation

initiatives which generally improve the recovery of the minerals that we extract, being a co-producer of PGMs (platinum group metals) and chrome concentrate. So those are all on track. The balance of the funding - we have alternate sources being export credit finance, credit lines and some infrastructural funding. So everything is on track as planned and, as I say, we're very happy to have debuted here on the JSE.

 

BDTV: Could you have delayed the listing or were you under contractual obligation to come to market?

 

PP: No, we were under contractual obligation to (have the) IPO (initial public offering) within a certain timeframe which we fulfilled and we're very happy

with the fact that we've got here and we've got the company away.

 

BDTV: Sure, but on that point in just reading through the Sens statement that you released a couple of days ago it seemed the Pouroulis family came in and

supported the placement to quite a large extent. Actually what percentage of the company does the Pouroulis family hold?

 

PP: Just short of 50% of the business directly and indirectly and it's testament to the belief that we have in this business ... it's a robust, long-term competitive business. It's a large-scale open pit, 23-year life of mine, co-product, it's unique in nature and the feedback that we got from our

investor roadshow was very positive. It ticked all the boxes, people like the business, they like the story and we hope we can get support in the future.

 

On Mar 25, 2014, http://www.businessweek.com/ reported that: Tharisa Plc, which mines chrome and platinum group metals in South Africa, plans to start

trading on the Johannesburg Stock Exchange (JSE) and seeks to raise 1 billion rand ($93 million) in a private share placement.

 

The company wants to acquire 'large-scale and low-cost projects that are in or close to production,' Paphos, Cyprus-based Tharisa said in a statement today. Its mine near Rustenburg, 95 kilometers (59 miles) northwest of Johannesburg, made a cash profit in the year ended Feb. 28 and was operating at about 87 percent of planned capacity of 4.8 million metric tons of ore a year, it said.

 

Offers for shares 'can only be made at an aggregate acquisition cost of no less than 1 million rand,' Tharisa said in the statement. Trading on JSE Ltd.

will start on April 8.

 

Story: For a Minnesota Mine, It's Jobs vs. the Environment

 

South Africa, the world's biggest platinum producer, holds more than 70 percent of the world's reserves for chrome, which is used to make ferrochrome

that's a key ingredient in stainless steel. China overtook South Africa as the world's biggest producer of ferrochrome in 2012.

 

 

Recent Enquiries

 

 

Recent Enquiries on this subject

 

 

Last 6 months:

3

 

 

 

 

3

 

 

 

Last 3 months:

 

 

 

 

1

 

 

 

Last 1 month:

 

 

 

 

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.06

UK Pound

1

Rs.101.84

Euro

1

Rs.81.56

                

INFORMATION DETAILS

 

Analysis Done by :

SUB

 

 

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.