MIRA INFORM REPORT

 

 

Report Date :

28.07.2014

 

IDENTIFICATION DETAILS

 

Name :

P.T. ECOGREEN OLEOCHEMICALS

 

 

Formerly Known As :

P.T. BATAMAS MEGAH

 

 

Registered Office :

Graha Gawi 3rd Floor, Jalan Setiabudi Selatan Kav. 10, Jakarta Selatan, 12920

 

 

Country :

Indonesia

 

 

Date of Incorporation :

13.10.1989

 

 

Com. Reg. No.:

No. 149/II/PMA/2004

 

 

Legal Form :

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

 

 

Line of Business :

Fatty Alcohol Industry

 

 

No of Employees :

455

 

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 01, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Indonesia

B1

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderately Low Risk

 

B1

Moderate Risk

 

B2

Moderately  High Risk

C1

High Risk

 

C2

Very High Risk

 

D

 

 

INDONESIA - ECONOMIC OVERVIEW

 

Indonesia, a vast polyglot nation, has grown strongly since 2010. During the global financial crisis, Indonesia outperformed its regional neighbors and joined China and India as the only G20 members posting growth. The government has promoted fiscally conservative policies, resulting in a debt-to-GDP ratio of less than 25% and historically low rates of inflation. Fitch and Moody's upgraded Indonesia's credit rating to investment grade in December 2011. Indonesia still struggles with poverty and unemployment, inadequate infrastructure, corruption, a complex regulatory environment, and unequal resource distribution among regions. The government also faces the challenges of quelling labor unrest and reducing fuel subsidies in the face of high oil prices.

 

Source : CIA

 

 


Name of Company

 

P.T. ECOGREEN OLEOCHEMICALS

 

 

Address

 

Head Office

Graha Gawi 3rd Floor

Jalan Setiabudi Selatan Kav. 10

Jakarta Selatan, 12920

Indonesia

Phones             - (62-21) 5790 4500 (Hunting)

Fax                   - (62-21) 5790 4490

E-mail               - ecogreen@indosat.net.id

Building Area     - 12 storey

Office Space      - 200 sq. meters

Region              - Commercial

Status               - Rent

 

Factory

a.         Jalan Raya Pelabuhan Kav. 1

            Kabil, Batam

            Kepulauan Riau Province

            Indonesia

            Phones - (62-778) 711001-06

            Fax       - (62-778)711007

b.         Jalan Raya Pelabuhan IV

            Gabion, Bagan Deli

            Belawan, Medan

            North Sumatera

            Indonesia

            Phones - (62-61) 6941020 (Hunting)

             Fax      - (62-61) 6941645

 

Date of Incorporation

 

a.         13 October 1989 as P.T. BATAMAS MEGAH

b.         31 May 2001 as P.T. ECOGREEN OLEOCHEMICALS

 

Legal Form

 

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

 

Company Reg. No.

 

The Ministry of Law and Human Rights

-           No. C2-5285.HT.01.01.TH.90

            Dated 25 August 1990

-           No. AHU-88758.AH.01.02.TH.2008

            Dated 21 November 2008

-           No. AHU-AH.01.10-45104

            Dated 30 October 2013

 

Company Status :

Foreign Investment (PMA) Company

 

Permit by the Government Department :

The Department of Finance

NPWP No. 01.348.478.7-217.000

 

The Capital Investment Coordinating Board

-           No. 188/V/PMA/2000

            Dated 5 December 2000

-           No. 208/III/PMA/2001

            Dated 1 March 2001

-           No. 442/III/PMA/2001

            Dated 19 April 2001

-           No. 149/II/PMA/2004

            Dated 15 September 2004

 

Related Company :

A Member Company of the WINGS Group (see attachment)

 

 

CAPITAL AND OWNERSHIP

 

Capital Structure :

 

Authorized Capital          : Rp. 4,000,000,000,000.-

Issued Capital    : Rp. 1,359,388,000,000.-

Paid up Capital  : Rp. 1,359,388,000,000.-

 

Shareholders/Owners :

 

a. CHARHART INVESTMENT PTE LTD                                      - Rp. 1,359,387,000,000.-

    Address : Singapore

                    

b. WORLDWIDE LINK (B.V.I) LIMITED                                      - Rp.               1,000,000.-

    Address : Wichams Cay, Road Town

                    Tortola

                    British Virgin Island

 

 


BUSINESS ACTIVITIES

 

Lines of Business :

Fatty Alcohol Industry

 

Production Capacity :

A.         Batam Factory

                        - Fatty Alcohol   - 60,000 tons p.a.

                        - Glycerine        - 21,000 tons p.a.

                        - Methylester     -   6,000 tons p.a.

                        - Fatty Acids C8-10        - 12,000 tons p.a.

                        - Fatty Acids C12-14      - 59,500 tons p.a.

                        - Fatty Acids C16-18      - 18,500 tons p.a.

                        - Fatty Alcohol C8-10     - 12,000 tons p.a.

                        - Fatty Alcohol C12-14    - 50,000 tons p.a.

B.         Belawan Factory

                        - Fatty Alcohol   - 30,000 tons p.a.

                        - Glycerine        -   4,500 tons p.a.

                        - Fatty Acids     -   4,500 tons p.a.

 

Total Investment :

A.         Batam Factory

                        a. Equity Capital            - Rp. 138.0 billion

                        b. Reinvested Profit        - Rp.   82.8 billion

                        c. Loan Capital  - Rp. 646.0 billion

                        d. Total Investment         - Rp. 866.8 billion

 

B.         Belawan Factory

                        a. Equity Capital            - Rp. 114.0 billion

                        b. Loan Capital  - Rp. 240.0 billion

                        c. Total Investment         - Rp. 354.0 billion

 

Started Operation :

1994

 

Brand Name :

Ecogreen Oleochemicals

 

Technical Assistance :

None

 

Number of Employee :

455 persons

 

Marketing Area :

Export               - 95%

Local    -   5%

 

Main Customer :

Buyers in Europe Union and the USA

 

Market Situation :

Very Competitive

 

Main Competitors :

a. P.T. CISADANE RAYA CHEMICALS

b. P.T. FLORA SAWITA CHEMINDO

c. P.T. MEDAN OLEOCHEMICALS

d. P.T. SINAR OLEOCHEMICALS

e. P.T. SUMIASIH OLEOCHEMICALS

 

Business Trend :

Declining

 

 

BANKER, AUDITOR & LITIGATION

 

Bankers :

a.         P.T. Bank EKONOMI RAHARDJA Tbk

                        Graha Gawi

                        Jalan Setiabudi Selatan Kav. 10

                        Jakarta Selatan

                        Indonesia’

b.         P.T. Bank MANDIRI Tbk

                        Plaza Mandiri

                        Jalan Jend. Sudirman Kav. 36-38

                        Jakarta Selatan

                        Indonesia

c.         P.T. Bank CENTRAL ASIA Tbk

                        Komp. Sakura Ampan Block B No. 6-8

                        Batam, Kepulauan Riau Province

                        Indonesia

 

Auditor :

Internal Auditor

 

Litigation :

No litigation record in our database

 

 

FINANCIAL FIGURE

 

Annual Sales (estimated) :

2011 – US$ 185.0 million

2012 – US$ 192.0 million

2013 – US$ 175.0 million

 

Net Profit (estimated) :

2011 – US$ 13.3 million

2012 – US$ 15.5 million

2013 – US$   9.8 million

 

Payment Manner :

Average

 

Financial Comments :

Satisfactory

 

 

KEY EXECUTIVES

 

Board of Management :

President Director                      - Mr. Teddy Tanzil

Vice President Directors -           a. Mr. Erwin Sutanto

                                                b. Mr. Handoyo Sutanto

Directors           -                       a. Mr. Hardy Johan

                                                b. Mr. Jacobus Hartato

                                                c. Mr. Widyanto

 

Board of Commissioners :

President Commissioner - Mr. Eddy William Katuari

Vice President Commissioner     - Mr. Jimmy Masrin

Commissioner   - Mr. Kenny Harjo

 

Signatories :

President Director (Mr. Teddy Tanzil) or one of the Vice President Directors (Mr. Erwin Sutanto, Mr. Handoyo Sutanto) or one of the Directors (Mr. Hardy Johan, Mr. Jacobus Hartato or Mr. Widyanto) which must be approved by Board of Commissioner.

 

 

CAPABILITIES

 

Management Capability :

Good

 

Business Morality :

Good

 

Credit Risk :

Average

 

 

OVERALL PERFORMANCE

 

Initially named P.T. BATAMAS MEGAH, it was established in October 1989 with an authorized capital of Rp. 150,000,000 issued and paid up capital of Rp. 120,000,000. The original founding shareholders are Mr. Lilik Prajitno and Mr. Widodo Purnomosidi, both are indigenous businessmen. In September 1990 both of them pulled out and replaced by Mr. Anthony Salim AKA Liem Hong Sien and his younger brother Mr. Andree Halim AKA Liem Sien Djen, both are the sons of Mr. Soedono Salim AKA Liem Sioe Liong, prime mover of the SALIM Group. In September 1992 Mr. Anthony Salim and Mr. Andree Halim resigned and replaced by three companies of the SALIM Group members namely P.T. PERTIWI LESTARI, P.T. GUDANG PERAK and P.T. BENTENGCITRA PURAPEKASA. In February 1995 the domicile of the company relocated to Batam, Riau Province. In May 1991 its sister company P.T. PRIMA INTI MEGAH operating oleochemical processing plant in Belawan, North Sumatra had been merged into P.T. BATAMAS MEGAH. In November 2000 the authorized capital was raised to Rp. 4,000,000,000,000 issued and paid up capital to Rp. 1,359,388,000,000 and the shareholders are P.T. HOLDIKO PERKASA (member of the SALIM Group taking over all shares of Soedono Salim family in 104 companies in the SALIM Group including this company) and WORLDWIDE LINK Ltd., of British Virgin Island. In March 2001 the whole shares of P.T. HOLDIKO PERKASA in this company had been taken over by CARHART INVESTMENTS Pte., Ltd., Singapore. By the same time the name was changed to P.T. ECOGREEN OLEOCHEMICALS (P.T. EO). The latest according to the latest revision of notary documents of DR. Irawan Soerodjo, SH., No. 205 dated 30 September 2013 the board of director and the board of commissioner had been changed to lead and runs of the company’s operation. The latest revision of notary documents was approved by the Ministry of Law and Human Rights in its decision letter No. AHU-AH.01.10-45104 dated October 2013.

 

The shareholders composition are WORLDWIDE LINK, Ltd., of British Virgin Island and CARHART INVESTMENTS Pte., Ltd., of Singapore. Both shareholders of P.T. EO namely WORLDWIDE LINK, Ltd., of British Virgin Islands and CARHART INVESTMENTS Pte., Ltd., in which the whole shares are controlled by the Katuari family and Sutanto family, both are founders and prime movers of the WINGS Group, a large business group in detergent and soap industry.

 

P.T. ECOGREEN OLEOCHEMICALS (EO) is one of the biggest producers of fatty alcohol in the country. By the existence of foreign investors since the end 2000 it changed to a Foreign Capital Investment Company (PMA). It used to manage oleochemicals processing plant in Batam, Riau Province, on a land of some 20 hectares. The plant had been operating since February 1995 with production capacity of 60,000 tons fatty alcohol per year, 9,000 tons glycerin per year and 6,000 tons methylester per year. But after its sister company P.T. PRIMA INTI PERKASA had been merged into P.T. BATAMAS MEGAH, the company managed plant ex sister company located at Belawan, North Sumatra, on a land of some 10 hectares. The Belawan plant had been operating since 1990 with a production capacity of 30,000 tons fatty alcohol per year, 4,500 tons glycerin per year and 4,500 tons fatty acid per year. The operation of P.T. EO slowed down since 1998 in line with lower price of fatty alcohol in export market.

 

P.T. EO uses locally purchased palm kernel oil or coconut oil as feedstock, which is first put through the refining process at its two plants, located at Belawan, Medan (capacity 30,000 metric tons) or Batam (capacity 60,000 metric ton, about to increase to 80,000 metric ton), both close to ports. The refined oil is then processed in a splitter unit to produce fatty acid and glycerine and subsequently fatty acid is converted to fatty alcohol through hydrogenation process.

 

P.T. Ecogreen Oleochemicals has production facilities in Indonesia which producing various cuts of Saturated Fatty Alcohols (from C8 to C18). Unsaturated Fatty Alcohols (Oleyl Alcohols), Oleic Acid, Refined Glycerin and Specialty Esters such as Medium Chain Triglycerides (MCT for Food, Cosmetics, Pharmaceutical and Lubricant application). In September 2004, P.T. EO got an expansion permit to increase production capacity of fatty acids (C8-10, C12-14, C16-18) 89,500 tons, fatty alcohol (C8-10 and C12-14) 62,000 tons and glycerin of 12,000 tons respectively per years. The development is estimated to absorb an investment of Rp. 414.8 billion come from reinvested profit of Rp. 82.8 billion and the rest (Rp. 322.0) is loans. The expansion plant had been operating in the middle of 2006. Some 95% of the product is exported to Europe, Asian countries and the USA, the rest 5% is marketed locally and partly absorbed by the WINGS Group. To support export market P.T. EO has owned branch office in Singapore. Oleochemicals are used in personal care products, soaps and detergents, food, plastics, pharmaceuticals and many other industries.

 

P.T. ECOGREEN OLEOCHEMICALS based in Indonesia, is one of the world’s major producers of natural fatty alcohol with total production capacity of 110,000 metric tons per annum of fatty alcohol. However since July 2013 P.T. EO ceased operations because of a shortage of supply of gas as feedstock alcohol. So, plan to boost production capacity for exports faltered. Then P.T. Perusahaan Gas Negara (Persero) Tbk as the provider of gas distribution deliver gas to the Medan Industrial Estate (Kawasan Industri Medan), but still limited. After that in September 2013 P.T. EO back in operation and produce fatty alcohols and others.

 

Generally outlook we find the demand for fatty acid, glycerine has been rising at home. It is in line with the growth of several industrial sectors, including rubber products, textile industry, cosmetic and soap industries, pharmaceutical, lubricating industry, paper making, and others as potential consumers of the products. As the largest producer of crude palm oil (crude palm oil / CPO) in the world, Indonesia should likely be the basis of the oleochemical industry world beyond Malaysia, China, India, and even the European Union. National oleochemical industries performance from year to year has been improvement. This is due to market demand and government policy support. Currently, Malaysia is still considered a benchmark constellation of global oleochemical industry because of the high acquisition and integration technology industry from upstream to downstream.

 

Indonesia must change the mindset that initially rely on the production of crude palm oil into various derivative manufacturers high value-added palm oil, oleochemicals one through industrialization, Ministry of Industry, said Mr. Abdul, continues to push the industry to support the progressive imposition of export duty on CPO exports to ensure domestic availability of raw materials. The government also encouraged the expansion of capacity and new investment in the area of ​​the proposed facility oleochemical industry through tax allowances and tax holidays. For tax holiday, there are two companies that have been filed. A company that P.T. Unilever Oleochemical Indonesia. Upon the enactment of export duty on CPO progressive, there is an increase in the oleochemical industry investments by 12 companies with a total investment value of Rp. 14 trillion. Ministry of Industry is also targeting 60% export of derivative products, including oleochemicals, and 40% of CPO.

 

Some of oleochemical products as a derivative product of Crude Palm Oil (CPO) has been able to produce in Indonesia. But, actually the case is the Indonesian oleochemical industry is not affordable yet to supply domestic demand especially in the down-streamer, because of domestic oleochemical products are still in the stage of semi-finished products.

 

The semi-finished products which consists of fatty acid, fatty alcohol and glycerol were exported and after extending process then imported again by Indonesian as finished products like additive matters for textile industry, rubber, plastic, detergent, paint, cosmetic, processed-food, etc. Finally, as a consequence, development of Indonesian oleochemical industry is still far left behind compare to the one of Malaysian.

 

In 2011, for example, Indonesia has some 16 oleochemical producer companies with a total capacity of 1.67 million tons, contains 1.00 million tons of fatty acid, 490,000 tons of fatty alcohol and some 177,750 tons of glycerol. Since all domestic oleochemical products were exported, afterwards Indonesia’s market share in the world would be at 15% of 6.63 million tons of fatty acid consumption whereas, fatty alcohol only has 12% of 3.95 million tons and has only 8.9% of 2.00 million tons of glycerol. It is estimated both fatty acid and glycerine will remain to rise in the coming years. Competition is very tight due to a large number of similar companies operating in the country, like P.T. ECOGREEN OLEOCHEMICALS, P.T. CISADANE RAYA CHEMICAL, P.T. SUMI ASIH, P.T. MEDAN OLEOCHEMICAL and P.T. FLORA SAWITA. In overall we find that oleo chemicals industry in the country keeps rising despite the export price was lower and fluctuated. The growth of oleo chemicals industry in the country is seen in the table below.

 

The Growth and Production of Ole Chemical, 2005-2012

 

Year

Fatty Acid

Production (Ton)

Growth (%)

Glycol

Fatty Alcohol

Total

2005

2006

2007

2008

2009

2010

2011

2012

436,700

398,952

350,203

476,700

504,080

542,391

585,782

631,473

46,354

41,283

35,577

51,222

55,290

59,492

64,251

69,262

93,712

119,905

176,099

111,159

136,482

146,855

158,603

170,974

576,766

560,141

561,879

639,081

695,582

748,738

808,636

871,709

 

(2.88)

0.31

14.74

8.88

7.60

8.00

7.80

Growth, % /year

4.44

Source: Central Bureau of Statistic, processed by ICB

 

Until this time P.T. EO has not been registered with Indonesian Stock Exchange, so that they had not obliged to announce their financial statement. The management of P.T. EO is very reclusive towards outsiders and rejected to disclose its financial condition. We estimated that total sales turnover of the company in 2011 amounted to US$ 185.0 million rose to US$ 192.0 million in 2012 decreased to US$ 175.0 million in 2013 due to the lower of gas supply in Medan, North Sumatera. It’s projected the sales turnover will be higher by at least 5% in 2014. The operation in 2013 yielded an estimated net profit of at least US$ 9.8 million and the company has an estimated total net worth of at least US$ 151.0 million. We observe that P.T. EO is supported by the WINGS Group, a business group with has financially strong and sound behind it. So far, we did not heard that the company having been black listed by the Central Bank (Bank Indonesia). The company usually pays its debts punctually to suppliers.  

 

The management of P.T. EO is headed by Mr. Teddy Tanzil (58) a professional manager headed the company since the end 1994. He is one of the top executive of the WINGS Group. The management is further made up to more professional managers, home and expatriates from Germany and the Philippines, with experience in the oleo chemical industry and trade. The management is widely connected with government authorities as well as with private businessmen within and outside the country. So far, we did not hear that the management of the company being filed to the district court for detrimental cases or involved in business malpractices. The company’s litigation record is clean and it has not registered with the black list of Bank of Indonesia. P.T. ECOGREEN OLEOCHEMICALS is good for normal business transaction.

 

 

 

 

 

 

 

 

 

 

 

Attachment

 

List of the W I N G S Group Members

 

ADYABUANA PERSADA, P.T. (Ceramic Floor Tile Manufacturing)

AKTIF INDONESIA INDAH, P.T. (Industrial Chemicals Processing)

ASPIRASI LUHUR, P.T. (Investment Holding)

BIMA MAS SEJATI JAYA, P.T. (General Trading)

BIMA NUSA RAJAWALI, P.T. (General Trading)

DIAN LESTARI PERDANA, P.T. (Office Block Rental Management)

ECOGREEN OLEOCHEMICALS, P.T. (Fatty Alcohol Industry)

EKA TATA MAKMUR, P.T. (Real Estate and Housing Development)

EKATAMA RAYAINDAH, P.T. (Housing Development)

EKONOMI RAHARJA, P.T. Bank (Banking)

FOSFINDO, P.T. (Investment Holding)

FINDECO JAYA, P.T. (Alkyl Benzene Sulfonate Processing)

GAWI MAKMUR KALIMANTAN, P.T. (Oil Pal Plantation and Pal Oil Refinery)

KARUNIA ALAM SEGAR, P.T. (Instant Noodles Processing Industry)

LION WINGS, P.T. (Cosmetic, Detergent, Toothpaste and Sanitary Napkin Manufacturing)

MULTI INDOMANDIRI, P.T. (Glass Tablewares Manufacturing)

MULTINUSA LESTARI, P.T. (Housing Development)

MULTIPACK UNGGUL, P.T. (Corrugated Box, Printing and Soft Packaging Manufacturing)

PETRO CENTRAL, P.T. (Industrial Chemical Processing)

PRAKARSA ALAM SEGAR, P.T. (Instant Noodles Processing Industry)

PONDOK PALEMINDAH, P.T. (Housing Development)

PONDOK PALEM INDAH PERMAI, P.T. (Housing Development)

PONDOK PALEM INDAH RAYA, P.T. (Housing Development)

SAYAP MAS UTAMA, P.T. (Soap and Cosmetic Industry)

SADHANAGRAHA ADHIKA, P.T. (Investment Holding)

SARANAGRIYA LESTARI KERAMIK, P.T. (Ceramic Industry)

SATYAWADA MITRAUSAHA (Investment Holding)

SIAM-INDO CONCRETE PRODUCTS, P.T. (Natural Fiber Cement/Roofing Sheets Manufacturing)

SIAM-INDO GYPSUM INDUSTRY, P.T. (Gypsum Plasters and Compound Manufacturing)

SRIWIJAYA ALAM SEGAR, P.T. (Food Processing Industry)

TIRTA ALAM SEGAR, P.T. (Food and Beverages Processing Industry)

UNGGUL INDAH CORPORATION, (Industrial Chemical Processing)

UNIPACK INDOSYSTEMS, P.T. (Plastic Flexible Packaging Manufacturing)

VARIA INDOWIN PERKASA, P.T. (Integrated Shrimp Culture)

WINGS SURYA, P.T. (Soap, Detergent, Water glass and Plastic Packaging Industry)

Etc.

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.10

UK Pound

1

Rs.102.04

Euro

1

Rs.80.74

 

 

INFORMATION DETAILS

 

Analysis Done by :

SUM

 

 

Report Prepared by :

SHG

 

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.