MIRA INFORM REPORT

 

 

Report Date :

21.08.2014

 

IDENTIFICATION DETAILS

 

Name :

VOLLMER WERKE MASCHINENFABRIK GESELLSCHAFT MIT BESCHRÄNKTER HAFTUNG

 

 

Registered Office :

Ehinger Str. 34 D 88400 Biberach

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2013

 

 

Date of Incorporation :

01.01.1909

 

 

Legal Form :

Private Limited Company

 

 

Line of Business :

Manufacture of other general-purpose machinery

 

 

No. of Employees

479

 

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 – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Germany

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 


 

GERMANY ECONOMIC OVERVIEW

 

The German economy - the fifth largest economy in the world in PPP terms and Europe's largest - is a leading exporter of machinery, vehicles, chemicals, and household equipment and benefits from a highly skilled labor force. Like its Western European neighbors, Germany faces significant demographic challenges to sustained long-term growth. Low fertility rates and declining net immigration are increasing pressure on the country's social welfare system and necessitate structural reforms. Reforms launched by the government of Chancellor Gerhard SCHROEDER (1998-2005), deemed necessary to address chronically high unemployment and low average growth, has contributed to strong growth and falling unemployment. These advances, as well as a government subsidized, reduced working hour scheme, help explain the relatively modest increase in unemployment during the 2008-09 recession - the deepest since World War II - and its decrease to 5.3% in 2013. The new German government introduced a minimum wage of $11 per hour to take effect in 2015. Stimulus and stabilization efforts initiated in 2008 and 2009 and tax cuts introduced in Chancellor Angela MERKEL's second term increased Germany's total budget deficit - including federal, state, and municipal - to 4.1% in 2010, but slower spending and higher tax revenues reduced the deficit to 0.8% in 2011 and in 2012 Germany reached a budget surplus of 0.1%. A constitutional amendment approved in 2009 limits the federal government to structural deficits of no more than 0.35% of GDP per annum as of 2016 though the target was already reached in 2012. Following the March 2011 Fukushima nuclear disaster, Chancellor Angela MERKEL announced in May 2011 that eight of the country's 17 nuclear reactors would be shut down immediately and the remaining plants would close by 2022. Germany hopes to replace nuclear power with renewable energy. Before the shutdown of the eight reactors, Germany relied on nuclear power for 23% of its electricity generating capacity and 46% of its base-load electricity production

 

Source : CIA

 

 

 


Company name and address

 

VOLLMER WERKE MASCHINENFABRIK GESELLSCHAFT MIT BESCHRÄNKTER HAFTUNG

 

 Company Status:           active

Ehinger Str. 34

D 88400 Biberach

Telephone:07351/5710

Telefax:  07351/571108

Homepage: www.vollmer-group.com

E-mail:   info-vobi@vollmer.de

 

 VAT no.:                      DE144889422

 Tax ID number:             54001/00142

 

 

CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Date of foundation:        1909

 Registered on:              01.01.1909

 Commercial Register:    Local court 89073 Ulm

 under:                          HRB 640007

 

 Share capital:                          EUR         10,000,000.00

 

 Shareholder:

                      Sieglinde Vollmer Beteiligungs-GmbH

                      Ehinger Str. 34

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR            200,000.00

                      Share:             EUR          8,000,000.00

                      Registered on: 03.05.2012

                      Reg. data: 89073 Ulm, HRB 727863

 Shareholder:

                      Dr. Christiane Gross

                      Karlsbader Weg 4

                      D 65388 Schlangenbad

                      born: 06.06.1959

                      Share:             EUR            500,000.00

 Shareholder:

                      Prof. Sabine Gross-Schneider

                      Stephanstr. 61

                      D 10559 Berlin

                      born: 22.01.1961

                      Share:             EUR            500,000.00

 Shareholder:

                      Clea Gross-Matter

                      Weinbergstr. 82

                      CH 8006 Zürich

                      born: 27.02.1962

                      née: Gross

                      Share:             EUR            500,000.00

 Shareholder:

                      Anne Katrin Gross

                      Heideweg 9

                      D 22085 Hamburg

                      born: 04.06.1965

                      Share:             EUR            500,000.00

 Manager:

                      Dr. Stefan Brand

                      D 88471 Laupheim

                      authorized to jointly represent the company

                      born: 22.04.1962

                      Profession: graduate engineer

                      Marital status: married

 President of the Supervisory Board:

                      Martin Kapp

                      D 96450 Coburg

                      born: 29.05.1951

                      Property regime: Statutory matrimonial

                      property regime

                      Marital status: married

 Proxy:

                      Lothar Reinhardt

                      Mörikestr. 20

                      D 72175 Dornhan

                      authorized to jointly represent the company

                      born: 29.09.1949

                      Profession: Businessman

                      Marital status: married

 Proxy:

                      Wolf Kehrle

                      Von-Wartenberg-Str. 5

                      D 88427 Bad Schussenried

                      authorized to jointly represent the company

                      born: 25.06.1950

 Proxy:

                      Axel Karlheinz Gottfried Wille

                      D 88400 Biberach

                      authorized to jointly represent the company

                      born: 13.07.1966

 

 Further functions/participations of Dr. Stefan Brand (Manager)

 Manager:

                      VOLLMER Sport Verwaltungs-GmbH

                      Ehinger Str. 34

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         19.08.2004

                      Reg. data:  89073 Ulm, HRB 641820

 Manager:

                      Sieglinde Vollmer Beteiligungs-GmbH

                      Ehinger Str. 34

                      D 88400 Biberach

                      Legal form: Private limited company

                      Share capital:     EUR            200,000.00

                      Registered

                      on:         03.05.2012

                      Reg. data:  89073 Ulm, HRB 727863

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 2829    Manufacture of other general-purpose machinery n.e.c.

 

 

 PARTICIPATIONS

 

 Shareholder:

                      Loroch GmbH

                      Josef-Loroch-Str. 1

                      D 69509 Mörlenbach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR            255,645.94

                      Share:             EUR            255,645.94

                      Reg. data:  20.01.1983

                                  Local court 64283 Darmstadt

                                  HRB 40394

 Shareholder:

                      SuS Schleiftechnik und Maschinenhandel GmbH

                      Ehinger Str. 34

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             30,000.00

                      Share:             EUR             30,000.00

                      Reg. data:  27.01.2012

                                  Local court 26135 Oldenburg

                                  HRB 206464

 Shareholder:

                      Vollmer Beteiligungs-GmbH

                      Wilhelmstr. 20-22

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,564.59

                      Share:             EUR             25,564.59

                      Reg. data:  03.06.1987

                                  Local court 89073 Ulm

                                  HRB 640714

 Shareholder:

                      VOLLMER Sport Verwaltungs-GmbH

                      Ehinger Str. 34

                      D 88400 Biberach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  19.08.2004

                                  Local court 89073 Ulm

                                  HRB 641820

 

 

 FINANCIAL INFORMATION

 

Payment experience:     cash discount/within agreed terms

 

 Negative information:     We have no negative information at hand.

                                     of the Solvency Rating[NG].

 

 

 BALANCE SHEET YEAR:  2013

 


 

 REAL ESTATE

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Ehinger Str. 36

                        D 88400 Biberach

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Ehinger Str. 32-34 a

                                    D 88400 Biberach

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Wilhelmstr. 20-25

                          D 88400 Biberach

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Bleicherstr. 34

                         D 88400 Biberach

 

 Type of ownership:   proprietor

 Share:                100.00 %

 Address              Ehinger Str. 34

                         D 88400 Biberach

 

 Land register documents were not available.

 

 

 BANKERS

 

 COMMERZBANK, 88400 BIBERACH AN DER RIß

 Sort. code: 65440087, Account no.: 1306000

 BIC: COBADEFFXXX, IBAN: DE56654400870130600000

 DEUTSCHE BANK, 89006 ULM, DONAU

 Sort. code: 63070088, Account no.: 50048800

 BIC: DEUTDESS630, IBAN: DE33630700880050048800

 KREISSPARKASSE BIBERACH, 88400 BIBERACH AN DER RIß

 Sort. code: 65450070, Account no.: 12074

 BIC: SBCRDE66XXX, IBAN: DE20654500700000012074

 BADEN-WÜRTTEMB.BANK/LANDESBANK BADEN-WÜRTTEMB., 88400 BIBERACH AN

 DER RIß

 Sort. code: 60050101, Account no.: 4476070

 BIC: SOLADEST600, IBAN: DE19600501010004476070

 

 

 FINANCIAL FIGURES

 

 Turnover:            2012               EUR         72,513,060.00

                      2013               EUR         68,863,333.00

 Profit:              2012               EUR          1,229,675.00

                      2013               EUR          2,896,037.00

 further business figures:

 Equipment:                              EUR          1,353,751.00

 Ac/ts receivable:                       EUR         10,601,143.00

 Liabilities:                            EUR         25,743,908.00

 Total numbers of vehicles:                                     44

 - Lorries:                                                      3

 - Passenger cars:                                              41

 Employees:                                                    479

 - thereof permanent staff:                                    436

 - Trainees:                                                    43

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2013 - 31.12.2013

 Equity ratio [%]:                 38.12

 Liquidity ratio:                   0.40

 Return on total capital [%]:       5.23

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                 42.00

 Liquidity ratio:                   0.49

 Return on total capital [%]:       2.08

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                 41.01

 Liquidity ratio:                   0.54

 Return on total capital [%]:       4.78

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                 38.14

 Liquidity ratio:                   0.48

 Return on total capital [%]:       0.88

 

 

 Equity ratio

 The equity ratio indicates the portion of the equity as compared

 to the total capital. The higher the equity ratio, the better the

 economic stability (solvency) and thus the financial autonomy of

 a company.

 

 

 Liquidity ratio

 The liquidity ratio shows the proportion between adjusted

 receivables and net liabilities. The higher the ratio, the lower

 the company's financial dependancy from external creditors.

 

 Return on total capital

 The return on total capital shows the efficiency and return on

 the total capital employed in the company. The higher the return

 on total capital, the more economically does the company work

 with the invested capital.

 

 

 TYPE OF BALANCE  SHEET:                             COMPANY BALANCE SHEET

 

 FINANCIAL YEAR:                                            01.01.2013 - 31.12.2013

 

 ASSETS                                  EUR         55,948,778.23

  Fixed assets                           EUR         30,921,047.79

   Intangible assets                     EUR            423,171.83

    Concessions, licences, rights        EUR            388,171.83

    Advance payments for intang. assets  EUR             35,000.00

   Tangible assets                       EUR         13,259,805.72

    Land / similar rights                EUR         11,497,786.20

    Plant / machinery                    EUR            408,268.79

    Other tangible assets / fixtures and

    fittings                             EUR          1,353,750.73

   Financial assets                      EUR         17,238,070.24

    Shares in participations /

    subsidiaries and the like            EUR         13,911,242.57

     Shares in related companies         EUR         13,847,403.08

     Shares in investee companies        EUR             63,839.49

    Loans to participations /

    subsidiaries and the like            EUR          3,219,800.00

     Loans to related companies          EUR          3,219,800.00

    Other loans                          EUR            107,027.67

  Current assets                         EUR         24,488,092.04

   Stocks                                EUR         13,067,576.05

    Raw materials, consumables and

    supplies                             EUR          5,636,990.09

    Finished goods / work in progress    EUR          7,430,585.96

   Accounts receivable                   EUR         10,601,143.22

    Trade debtors                        EUR          4,504,716.26

    Amounts due from related companies   EUR          4,478,492.18

    Other debtors and assets             EUR          1,617,934.78

   Liquid means                          EUR            819,372.77

  Remaining other assets                 EUR            539,638.40

   Accruals (assets)                     EUR            377,274.38

   Active difference from asset

   offsetting                            EUR            162,364.02

 

 LIABILITIES                             EUR         55,948,778.23

  Shareholders' equity                   EUR         21,700,873.12

   Capital                               EUR         10,000,000.00

    Subscribed capital (share capital)   EUR         10,000,000.00

   Reserves                              EUR          3,426,428.41

    Retained earnings / revenue reserves EUR          3,426,428.41

   Balance sheet profit/loss (+/-)       EUR          8,274,444.71

    Profit / loss brought forward        EUR          5,378,407.77

    Annual surplus / annual deficit      EUR          2,896,036.94

  Provisions                             EUR          8,407,059.94

   Pension provisions and comparable

   provisions                            EUR          1,474,340.00

   Provisions for taxes                  EUR             74,185.00

   Other / unspecified provisions        EUR          6,858,534.94

  Liabilities                            EUR         25,743,908.33

   Financial debts                       EUR         15,802,083.00

    Liabilities due to banks             EUR         15,802,083.00

   Other liabilities                     EUR          9,941,825.33

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR            773,634.03

    Liabilities from received advance

    payments                             EUR            610,192.31

    Liabililties due to related companiesEUR          5,159,981.11

    Unspecified other liabilities        EUR          3,398,017.88

  Other liabilities                      EUR             96,936.84

   Deferrals (liabilities)               EUR             96,936.84

  Guarantees and other commitments       EUR          3,008,000.00

   Other guarantees and other commitmentsEUR          3,008,000.00

 

 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR         68,863,333.43

  Inventory change + own costs (+/-)     EUR           -220,847.07

   Inventory change (+/-)                EUR           -282,166.09

   Capitalised own costs                 EUR             61,319.02

  Other operating income                 EUR          3,626,647.28

  Cost of materials                      EUR         25,524,384.05

   Raw materials and supplies, purchased

   goods                                 EUR         24,699,338.80

   Purchased services                    EUR            825,045.25

  Gross result (+/-)                     EUR         46,744,749.59

  Staff expenses                         EUR         29,811,586.40

   Wages and salaries                    EUR         25,042,177.24

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          4,769,409.16

  Total depreciation                     EUR          1,416,909.09

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,416,909.09

  Other operating expenses               EUR         12,021,388.22

  Operating result from continuing

  operations                             EUR          3,494,865.88

  Result from participating interests

  (+/-)                                  EUR          1,149,965.14

   Expenses / income from participations EUR          1,149,965.14

    Income from related companies        EUR          1,149,965.14

  Interest result (+/-)                  EUR         -1,137,350.39

   Interest and similar income           EUR            209,892.74

    thereof from related companies       EUR              1,804.81

   Interest and similar expenses         EUR          1,347,243.13

    thereof paid to related companies    EUR             56,344.59

  Other financial result                 EUR           -355,586.63

   Income from securities and loans from

   financial assets                      EUR             81,913.37

    thereof related companies            EUR             81,913.37

   Depreciation on financial assets and

   marketable securities                 EUR            437,500.00

  Financial result (+/-)                 EUR           -342,971.88

  Result from ordinary operations (+/-)  EUR          3,151,894.00

  Income tax / refund of income tax (+/-)EUR           -209,871.01

  Other taxes / refund of taxes          EUR            -45,986.05

  Tax (+/-)                              EUR           -255,857.06

  Annual surplus / annual deficit        EUR          2,896,036.94

 

 

 TYPE OF BALANCE SHEET:                             COMPANY BALANCE SHEET

 

 FINANCIAL YEAR:                                           01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR         59,136,432.16

  Fixed assets                           EUR         30,819,426.54

   Intangible assets                     EUR            453,896.23

    Concessions, licences, rights        EUR            289,489.23

    Advance payments for intang. assets  EUR            164,407.00

   Tangible assets                       EUR         14,533,317.72

    Land / similar rights                EUR         12,008,775.52

    Plant / machinery                    EUR            430,237.21

    Other tangible assets / fixtures and

    fittings                             EUR          1,398,643.16

    Advance payments made / construction

    in progress                          EUR            695,661.83

   Financial assets                      EUR         15,832,212.59

    Shares in participations /

    subsidiaries and the like            EUR         13,861,242.57

     Shares in related companies         EUR         13,797,403.08

     Shares in investee companies        EUR             63,839.49

    Loans to participations /

    subsidiaries and the like            EUR          1,851,964.42

     Loans to related companies          EUR          1,851,964.42

    Other loans                          EUR            119,005.60

  Current assets                         EUR         27,250,823.86

   Stocks                                EUR         12,939,693.72

    Raw materials, consumables and

    supplies                             EUR          5,226,941.67

    Finished goods / work in progress    EUR          7,712,752.05

   Accounts receivable                   EUR         11,545,141.42

    Trade debtors                        EUR          3,438,580.72

    Amounts due from related companies   EUR          5,876,148.84

    Other debtors and assets             EUR          2,230,411.86

   Liquid means                          EUR          2,765,988.72

  Remaining other assets                 EUR          1,066,181.76

   Accruals (assets)                     EUR            369,777.29

   Active difference from asset

   offsetting                            EUR            696,404.47

 

 LIABILITIES                             EUR         59,136,432.16

  Shareholders' equity                   EUR         21,104,836.18

   Capital                               EUR         10,000,000.00

    Subscribed capital (share capital)   EUR         10,000,000.00

   Reserves                              EUR          3,426,428.41

    Retained earnings / revenue reserves EUR          3,426,428.41

   Balance sheet profit/loss (+/-)       EUR          7,678,407.77

    Profit / loss brought forward        EUR          6,448,732.75

    Annual surplus / annual deficit      EUR          1,229,675.02

  Provisions                             EUR          7,983,009.51

   Pension provisions and comparable

   provisions                            EUR          1,557,650.00

   Provisions for taxes                  EUR            193,865.00

   Other / unspecified provisions        EUR          6,231,494.51

  Liabilities                            EUR         29,921,116.09

   Financial debts                       EUR         18,772,521.83

    Liabilities due to banks             EUR         18,772,521.83

   Other liabilities                     EUR         11,148,594.26

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          1,615,596.22

    Liabilities from received advance

    payments                             EUR          1,232,400.08

    Liabilities due to shareholders      EUR          3,730,739.67

    Liabililties due to related companiesEUR          3,635,401.66

    Unspecified other liabilities        EUR            934,456.63

     thereof liabilities from tax /

     financial authorities               EUR            403,659.49

     thereof liabilities from social

     security                            EUR             21,710.77

  Other liabilities                      EUR            127,470.38

   Deferrals (liabilities)               EUR            127,470.38


 

 PROFIT AND LOSS ACCOUNT (cost-summary method) according to Comm.

 Code (HGB)

  Sales                                  EUR         72,513,059.54

  Inventory change + own costs (+/-)     EUR         -1,067,791.06

   Inventory change (+/-)                EUR         -1,113,220.13

   Capitalised own costs                 EUR             45,429.07

  Other operating income                 EUR          3,543,930.24

  Cost of materials                      EUR         28,371,872.19

   Raw materials and supplies, purchased

   goods                                 EUR         27,500,219.26

   Purchased services                    EUR            871,652.93

  Gross result (+/-)                     EUR         46,617,326.53

  Staff expenses                         EUR         29,384,813.53

   Wages and salaries                    EUR         24,648,023.99

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          4,736,789.54

  Total depreciation                     EUR          1,404,430.62

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          1,404,430.62

  Other operating expenses               EUR         12,374,132.43

  Operating result from continuing

  operations                             EUR          3,453,949.95

  Interest result (+/-)                  EUR         -1,237,181.70

   Interest and similar income           EUR            243,888.55

   Interest and similar expenses         EUR          1,481,070.25

    thereof paid to related companies    EUR            119,983.40

  Other financial result                 EUR           -668,471.19

   Income from securities and loans from

   financial assets                      EUR             96,563.16

    thereof related companies            EUR             96,563.16

   Depreciation on financial assets and

   marketable securities                 EUR            765,034.35

  Financial result (+/-)                 EUR         -1,905,652.89

  Result from ordinary operations (+/-)  EUR          1,548,297.06

  Income tax / refund of income tax (+/-)EUR           -197,257.51

  Other taxes / refund of taxes          EUR           -121,364.53

  Tax (+/-)                              EUR           -318,622.04

  Annual surplus / annual deficit        EUR          1,229,675.02


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.66

UK Pound

1

Rs.100.80

Euro

1

Rs.80.72

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

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.