MIRA INFORM REPORT

 

 

Report Date :

18.06.2014

 

IDENTIFICATION DETAILS

 

Name :

NUTRINOVA NUTRITION SPECIALTIES & FOOD INGREDIENTS GMBH

 

 

Registered Office :

Am Unisys Park 1, D 65843 Sulzbach

 

 

Country :

Germany

 

 

Financials (as on) :

31.12.2012

 

 

Date of Incorporation :

09.06.2004

 

 

Com. Reg. No.:

HRB 43545

 

 

Legal Form :

Private limited company

 

 

Line of Business :

·         Manufacture of food products

·         Research and development on biotechnology

·         Advertising agencies

 

 

No. of Employees :

128

 

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 31, 2014

 

Country Name

Previous Rating

(31.12.2013)

Current Rating

(31.03.2014)

Germany

A1

A1

 

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

 


 

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

 

NUTRINOVA NUTRITION SPECIALTIES & FOOD INGREDIENTS GMBH

 

 Company Status:          active

                                    Am Unisys Park 1

                                    D 65843 Sulzbach

                                     Telephone:069/450090

                                     Telefax:  069/4500950000

                                     Homepage: www.celanese.com

                                    E-mail:   pr@celanese.com

 

 VAT no.:                        DE812225248

 

 

 CONCLUSION

 

 Business relations are permissible.

 

 

Company summary

 

 LEGAL FORM              Private limited company

 Registered on:             09.06.2004

 Commercial Register:   Local court 60313 Frankfurt

 under:                          HRB 43545

 

 Share capital:                          EUR          5,112,918.81

 

 Shareholder:

                      Celanese Holding GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR         25,656,000.00

                      Share:             EUR          5,112,918.81

                      Registered on: 02.08.2000

                      Reg. data: 61462 Königstein, HRB 5294

                      Control and profit transfer agreement

 Manager:

                      Andreas Oberkirch

                      D 64625 Bensheim

                      born: 26.06.1965

 Manager:

                      Christoph Katz

                      D 49074 Osnabrück

                      born: 04.07.1966

 Proxy:

                      Arno Rockmann

                      Jasminstr. 9

                      D 65207 Wiesbaden

                      authorized to jointly represent the company

                      born: 10.08.1960

                      Profession: graduate engineer

                      Marital status: married

 Proxy:

                      Peter Brown

                      D 60311 Frankfurt

                      born: 10.04.1964

 Proxy:

                      Stephanie Müller-Broich

                      D 63303 Dreieich

                      authorized to jointly represent the company

                      born: 10.07.1969

 Proxy:

                      Uwe Schreiber

                      D 65835 Liederbach

                      authorized to jointly represent the company

                      born: 29.04.1960

 Proxy:

                      Dr. Bernd Hupfer

                      D 55116 Mainz

                      born: 24.02.1954

 Proxy:

                      Dr. Robert Bewilogua

                      Im Prüfling 3

                      D 60389 Frankfurt

                      authorized to jointly represent the company

                      born: 20.05.1974

 Proxy:

                      Katja Conner

                      D 65812 Bad Soden

                      authorized to jointly represent the company

                      born: 09.08.1968

 Proxy:

                      Juan-Pedro Diaz

                      E  Tarragona

                      authorized to jointly represent the company

                      born: 07.07.1961

                      Nationality: Spanish

 Proxy:

                      Hicham Maatoug

                      NL  VL Leiden

                      authorized to jointly represent the company

                      born: 01.10.1976

                      Nationality: Dutch

 Proxy:

                      Christine Bröder

                      D 63065 Offenbach

                      authorized to jointly represent the company

                      born: 12.12.1963

 Proxy:

                      Dr. Martin Fischer

                      D 60311 Frankfurt

                      authorized to jointly represent the company

                      born: 26.01.1967

 Proxy:

                      Boris Wentzell

                      D 63477 Maintal

                      authorized to jointly represent the company

                      born: 26.08.1967

 Proxy:

                      Dorothee Harre

                      D 60311 Frankfurt

                      authorized to jointly represent the company

                      born: 10.09.1969

 Proxy:

                      Peter Kalb

                      D 65812 Bad Soden

                      authorized to jointly represent the company

                      born: 04.01.1969

 Proxy:

                      Joachim Lehner

                      D 65835 Liederbach

                      authorized to jointly represent the company

                      born: 02.10.1978

 Proxy:

                      Dr. Michael Willms

                      D 61137 Schöneck

                      authorized to jointly represent the company

                      born: 10.09.1971

 Proxy:

                      Frank Görgen

                      D 63450 Hanau

                      authorized to jointly represent the company

                      born: 14.11.1968

 Proxy:

                      Nina Orth

                      D 55116 Mainz

                      authorized to jointly represent the company

                      born: 18.04.1972

 

 Further functions/participations of Andreas Oberkirch (Manager)

 Manager:

                      BCP Holdings GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         25.08.2004

                      Reg. data:  61462 Königstein, HRB 6321

 Manager:

                      Celanese Chemicals Europe GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR          5,111,129.29

                      Registered

                      on:         28.08.2002

                      Reg. data:  61462 Königstein, HRB 5827

 President of the Supervisory Board:

                      Ticona GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR          5,964,000.00

                      Registered

                      on:         01.07.1997

                      Reg. data:  64283 Darmstadt, HRB 83534

 Proxy:

                      Celanese GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR        140,069,350.00

                      Registered

                      on:         24.07.2007

                      Reg. data:  61462 Königstein, HRB 6967

 Proxy:

                      Celanese Emulsions GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Share capital:     EUR             25,000.00

                      Registered

                      on:         19.02.2003

                      Reg. data:  61462 Königstein, HRB 5322

 

 

 COMPANY HISTORY

 

 30.07.1996 - 03.08.1997  BLB-Beteiligungsgesellschaft Chi mbH

                          Brienner Str. 20

                          D 80333 München

                          Private limited company

 04.08.1997 - 20.08.1997  DIOGENES Zehnte Vermögensverwaltungs

                          GmbH

                          Brüningstr. 38-50

                          D 65929 Frankfurt

                          Private limited company

 20.08.1997 - 23.06.2005  Nutrinova Nutrition Specialties & Food

                          Ingredients GmbH

                          Brüningstr. 38-50

                          D 65929 Frankfurt

                          Private limited company

 10.02.2010 - 30.05.2011  Nutrinova Nutrition Specialties & Food

                          Ingredients GmbH

                          Professor-Staudinger-Str.

                          D 65451 Kelsterbach

                          Private limited company

 

 

 RESIGNED ACTING PERSONS AND SHAREHOLDERS

 

 26.08.2009 - 11.03.2014  Manager

                          Diana Peninger

                          USA Texas

 

 

 BUSINESS ACTIVITIES

 

 Main industrial sector

 10890   Manufacture of food products n.e.c.

7211    Research and development on biotechnology

7311    Advertising agencies

 

 

 BRANCHES AND FACTORIES

 

 Branch:

                      Nutrinova Nutrition Specialties & Food

                      Ingredients GmbH

                      Frankfurter Str. 111

                      D 61476 Kronberg

 

 

 


PARTICIPATIONS

 

 Limited partner:

                      Infraserv GmbH & Co. Höchst KG

                      Industriepark Höchst

                      D 65926 Frankfurt

                      Legal form: Ltd partnership with priv. ltd.

                                  company as general partner

                      Company Status: active

                      Total cap.         EUR          4,090,335.05

                      contribution:

                      Share:             EUR            163,613.40

                      Reg. data:  16.12.1996

                                  Local court 60313 Frankfurt

                                  HRA 28182

 Shareholder:

                      RIOMAVA GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

                      Legal form: Private limited company

                      Company Status: active

                      Share capital:     EUR             25,000.00

                      Share:             EUR             25,000.00

                      Reg. data:  09.04.2003

                                  Local court 61462 Königstein

                                  HRB 5992

 

 

 FINANCIAL INFORMATION

 

 Payment experience:    within agreed terms

 

 Negative information:   We have no negative information at hand.

 

 Balance sheet year:      2012

 

 

 REAL ESTATE

 

 Type of ownership:        Tenant

 Address                        Am Unisys Park 1

                                     D 65843 Sulzbach

 

 Real Estate of:                Celanese Holding GmbH

 Type of ownership:         Tenant

 Address                        Am Unisys Park 1

                                    D 65843 Sulzbach

 

 Land register documents were not available.

 

 

 BANKERS

 

 Principal bank

 COMMERZBANK VORMALS DRESDNER BANK, 60613 FRANKFURT AM MAIN

 Sort. code: 50080000

 BIC: DRESDEFFXXX

 

 Further banks

 COMMERZBANK, 60005 FRANKFURT AM MAIN

 Sort. code: 50040000

 BIC: COBADEFFXXX

 DEUTSCHE BANK FILIALE, 60254 FRANKFURT AM MAIN

 Sort. code: 50070010

 BIC: DEUTDEFFXXX

 

 

 FINANCIAL FIGURES

 

 Turnover:            2012               EUR         99,055,363.00

 Profit:                 2012               EUR         26,276,533.00

 Equipment:                                          EUR            905,466.00

 Ac/ts receivable:                       EUR         40,815,687.00

 Liabilities:                                EUR         34,942,397.00

 Employees:                                                            128

 

 Control and profit transfer agreement to:

                      Celanese Holding GmbH

                      Am Unisys Park 1

                      D 65843 Sulzbach

 

 

 BALANCE SHEETS

 

 Balance sheet ratios 01.01.2012 - 31.12.2012

 Equity ratio [%]:                         69.14

 Liquidity ratio:                            4.74

 Return on total capital [%]:      32.49

 

 Balance sheet ratios 01.01.2011 - 31.12.2011

 Equity ratio [%]:                            72.75

 Liquidity ratio:                                5.44

 Return on total capital [%]:             20.54

 

 Balance sheet ratios 01.01.2010 - 31.12.2010

 Equity ratio [%]:                                               68.26

 Liquidity ratio:                                      4.43

 Return on total capital [%]:                     27.11

 

 Balance sheet ratios 01.01.2009 - 31.12.2009

 Equity ratio [%]:                                       35.30

 Liquidity ratio:                                        0.97

 Return on total capital [%]:                         37.38

 

 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:      01.01.2012 - 31.12.2012

 

 ASSETS                                  EUR         80,884,737.52

  Fixed assets                           EUR         29,406,350.86

   Intangible assets                     EUR             14,222.00

    Concessions, licences, rights        EUR             14,222.00

   Tangible assets                       EUR         12,668,746.46

    Land / similar rights                EUR          1,350,892.00

    Plant / machinery                    EUR          9,273,738.00

    Other tangible assets / fixtures and

    fittings                             EUR            905,466.23

    Advance payments made / construction

    in progress                          EUR          1,138,650.23

   Financial assets                      EUR         16,723,382.40

    Shares in participations /

    subsidiaries and the like            EUR         16,718,269.50

     Shares in related companies         EUR          6,779,705.00

     Shares in investee companies        EUR          9,938,564.50

    Other loans                          EUR              5,112.90

  Current assets                         EUR         51,096,692.31

   Stocks                                EUR         10,255,812.12

    Raw materials, consumables and

    supplies                             EUR            895,271.61

    Finished goods / work in progress    EUR          9,360,540.51

   Accounts receivable                   EUR         40,815,687.20

    Trade debtors                        EUR         13,899,813.58

    Amounts due from related companies   EUR         26,673,493.64

    Amounts due from investee companies  EUR             37,089.00

    Other debtors and assets             EUR            205,290.98

   Liquid means                          EUR             25,192.99

  Remaining other assets                 EUR            381,694.35

   Accruals (assets)                     EUR            381,694.35

 

 LIABILITIES                             EUR         80,884,737.52

  Shareholders' equity                   EUR         29,626,658.69

   Capital                               EUR          5,112,918.81

    Subscribed capital (share capital)   EUR          5,112,918.81

   Reserves                              EUR         24,513,739.88

    Capital reserves                     EUR         24,513,739.88

  Provisions                             EUR         16,315,681.72

   Pension provisions and comparable

   provisions                            EUR         10,208,096.98

   Provisions for taxes                  EUR          1,032,871.79

   Other / unspecified provisions        EUR          5,074,712.95

  Liabilities                            EUR         34,942,397.11

   Other liabilities                     EUR         34,942,397.11

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          4,164,326.26

    Liabililties due to related companiesEUR         29,673,816.61

    Liabilities due to investee companiesEUR            650,796.88

    Unspecified other liabilities        EUR            453,457.36

     thereof liabilities from tax /

     financial authorities               EUR            409,116.68

     thereof liabilities from social

     security                            EUR                 91.21

 

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

 

  Sales                                  EUR         99,055,363.01

  Inventory change + own costs (+/-)     EUR          2,098,475.02

   Inventory change (+/-)                EUR          2,098,475.02

  Other operating income                 EUR          4,093,266.39

  Cost of materials                      EUR         38,363,341.72

   Raw materials and supplies, purchased

   goods                                 EUR         33,766,362.28

   Purchased services                    EUR          4,596,979.44

  Gross result (+/-)                     EUR         66,883,762.70

  Staff expenses                         EUR         11,900,972.83

   Wages and salaries                    EUR          9,267,774.20

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,633,198.63

  Total depreciation                     EUR          2,445,256.56

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,445,256.56

  Other operating expenses               EUR         25,666,791.87

  Operating result from continuing

  operations                             EUR         26,870,741.44

  Result from participating interests

  (+/-)                                  EUR          1,803,963.67

   Expenses / income from participations EUR          1,803,963.67

    Income from related companies        EUR          1,803,963.67

  Interest result (+/-)                  EUR           -694,583.33

   Interest and similar income           EUR            113,841.34

    thereof from related companies       EUR             97,591.45

   Interest and similar expenses         EUR            808,424.67

    thereof paid to related companies    EUR            253,168.05

  Other financial result                 EUR         -1,200,000.00

   Depreciation on financial assets and

   marketable securities                 EUR          1,200,000.00

  Financial result (+/-)                 EUR            -90,619.66

  Result from ordinary operations (+/-)  EUR         26,780,121.78

  Expenses for transfer of profits to a

  parent company                         EUR         26,276,532.82

  Income tax / refund of income tax (+/-)EUR           -502,990.54

  Other taxes / refund of taxes          EUR               -598.42

  Tax (+/-)                              EUR           -503,588.96

  Annual surplus / annual deficit        EUR                  0.00

 

 Type of balance  sheet:               Company balance sheet

 

 Financial year:      01.01.2011 - 31.12.2011

 

 ASSETS                                  EUR         94,062,261.16

  Fixed assets                           EUR         30,581,829.75

   Tangible assets                       EUR         12,648,221.51

    Land / similar rights                EUR          1,314,336.00

    Plant / machinery                    EUR          9,416,746.00

    Other tangible assets / fixtures and

    fittings                             EUR            271,603.00

    Advance payments made / construction

    in progress                          EUR          1,645,536.51

   Financial assets                      EUR         17,933,608.24

    Shares in participations /

    subsidiaries and the like            EUR         17,918,269.50

     Shares in related companies         EUR          7,979,705.00

     Shares in investee companies        EUR          9,938,564.50

    Other loans                          EUR             15,338.74

  Current assets                         EUR         63,369,806.94

   Stocks                                EUR          7,864,027.17

    Raw materials, consumables and

    supplies                             EUR            601,961.68

    Finished goods / work in progress    EUR          7,262,065.49

   Accounts receivable                   EUR         55,505,779.77

    Trade debtors                        EUR         12,470,029.46

    Amounts due from related companies   EUR         42,965,094.97

    Other debtors and assets             EUR             70,655.34

  Remaining other assets                 EUR            110,624.47

   Accruals (assets)                     EUR            110,624.47

 

 LIABILITIES                             EUR         94,062,261.16

  Shareholders' equity                   EUR         29,626,658.69

   Capital                               EUR          5,112,918.81

    Subscribed capital (share capital)   EUR          5,112,918.81

   Reserves                              EUR         24,513,739.88

    Capital reserves                     EUR         24,513,739.88

  Provisions                             EUR         15,431,282.31

   Pension provisions and comparable

   provisions                            EUR          9,172,804.00

   Provisions for taxes                  EUR            529,881.25

   Other / unspecified provisions        EUR          5,728,597.06

  Liabilities                            EUR         49,004,320.16

   Other liabilities                     EUR         49,004,320.16

    Trade creditors (for IAS incl. bills

    of exchange)                         EUR          5,981,881.26

    Liabililties due to related companiesEUR         42,345,431.77

    Liabilities due to investee companiesEUR             78,570.20

    Unspecified other liabilities        EUR            598,436.93

     thereof liabilities from tax /

     financial authorities               EUR            544,083.02

     thereof liabilities from social

     security                            EUR              1,489.88

 

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

 

  Sales                                  EUR         92,231,054.65

  Inventory change + own costs (+/-)     EUR          1,306,180.86

   Inventory change (+/-)                EUR          1,306,180.86

  Other operating income                 EUR         25,083,966.08

  Cost of materials                      EUR         39,355,649.14

   Raw materials and supplies, purchased

   goods                                 EUR         34,784,064.38

   Purchased services                    EUR          4,571,584.76

  Gross result (+/-)                     EUR         79,265,552.45

  Staff expenses                         EUR         11,073,385.17

   Wages and salaries                    EUR          8,733,267.34

   Social security contributions and

   expenses for pension plans and

   benefits                              EUR          2,340,117.83

  Total depreciation                     EUR          2,499,555.94

   Depreciation on tangible / intangible

   asssets (incl. start-up and exp. of

   bus.                                  EUR          2,499,555.94

  Other operating expenses               EUR         47,473,501.51

  Operating result from continuing

  operations                             EUR         18,219,109.83

  Result from participating interests

  (+/-)                                  EUR          1,461,962.43

   Expenses / income from participations EUR          1,461,962.43

    Income from related companies        EUR          1,461,962.43

  Interest result (+/-)                  EUR           -350,645.73

   Interest and similar income           EUR            371,684.72

    thereof from related companies       EUR            361,461.31

   Interest and similar expenses         EUR            722,330.45

    thereof paid to related companies    EUR            163,335.91

  Financial result (+/-)                 EUR          1,111,316.70

  Result from ordinary operations (+/-)  EUR         19,330,426.53

  Expenses for transfer of profits to a

  parent company                         EUR         19,324,865.27

  Income tax / refund of income tax (+/-)EUR             12,472.44

  Other taxes / refund of taxes          EUR            -18,033.70

  Tax (+/-)                              EUR             -5,561.26

  Annual surplus / annual deficit        EUR                  0.00


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.37

UK Pound

1

Rs.102.48

Euro

1

Rs.81.87

 

INFORMATION DETAILS

 

Analysis Done by :

RAS

 

 

Report Prepared by :

NNA

 

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

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NB

New Business

 

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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.