MIRA INFORM REPORT

 

 

Report Date :

12.05.2014              

 

IDENTIFICATION DETAILS

 

Name :

IDUNA AB

 

 

Registered Office :

43284 Varberg

 

 

Country :

Sweden

 

 

Financials (as on) :

2012

 

 

Date of Incorporation :

18.02.1955

 

 

Com. Reg. No.:

5560609058

 

 

Legal Form :

Limited Liability Company

 

 

Line of Business :

Retail sale of jewellery in specialised stores

 

 

No. of Employees :

636

 

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)

Sweden

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low Risk

 

A2

Moderate Low Risk

 

B1

Moderate Risk

 

B2

Moderate High Risk

 

C1

High Risk

 

C2

Very High Risk

 

D

 


 

SWEDEN ECONOMIC OVERVIEW

 

Aided by peace and neutrality for the whole of the 20th century, Sweden has achieved an enviable standard of living under a mixed system of high-tech capitalism and extensive welfare benefits. It has a modern distribution system, excellent internal and external communications, and a highly skilled labor force. In September 2003, Swedish voters turned down entry into the euro system concerned about the impact on the economy and sovereignty. Timber, hydropower, and iron ore constitute the resource base of an economy heavily oriented toward foreign trade. Privately owned firms account for vast majority of industrial output, of which the engineering sector accounts for about 50% of output and exports. Agriculture accounts for little more than 1% of GDP and of employment. Until 2008, Sweden was in the midst of a sustained economic upswing, boosted by increased domestic demand and strong exports. This, and robust finances, offered the center-right government considerable scope to implement its reform program aimed at increasing employment, reducing welfare dependence, and streamlining the state's role in the economy. Despite strong finances and underlying fundamentals, the Swedish economy slid into recession in the third quarter of 2008 and the contraction continued in 2009 as deteriorating global conditions reduced export demand and consumption. Strong exports of commodities and a return to profitability by Sweden's banking sector drove a rebound in 2010, but growth slipped in 2013, as a result of continued economic weakness in the EU - Sweden’s main export market

 

Source : CIA

 

 

 


Company name and address

 

Business Name

Iduna AB

Country

SWEDEN

Company Registration Number

5560609058

Main Activity

Retail sale of jewellery in specialised stores

Activity Code

47772

Company Status

Active

Latest Turnover Figure

1.056.653.000

Latest Shareholder Equity Figure

66.403.000

 

Company Information

 

Basic Information

Business Name

Iduna AB

Registered Company Name

Iduna AB

Company Registration Number

5560609058

Country

SWEDEN

VAT Registration Number

SE556060905801

Date of Company Registration

18/02/1955

Legal Form

Limited liability company

Company Status

Active

Currency of this Report

SEK

Principal Activity Description

The Company shall operate handelsrorelse wholesale and retail as well as postorderrorelse industry for gold, silver, noble stones and watches, giftware and jewelery, as well as owning and managing hyresratter, property of every kind and kopa,

Visiting Address

Hardgatan 35 43231 Varberg Sweden

Contact Address

, 43284 VARBERG

Contact Telephone Number

0340-595400

 

Activities

 

Activity Description

47772

Retail sale of jewellery in specialised stores

 

 

Financial Information

 

 

Profit and Loss

Financial Year

2012

2011

2010

Number of Weeks

52

52

52

Currency

SEK

SEK

SEK

Consolidated Accounts

N

N

N

Revenue

1.056.653.000

1.089.373.000

1.084.882.000

Operating Costs

982.279.000

1.005.011.000

997.910.000

Operating Profit

74.374.000

84.362.000

86.972.000

Wages & Salaries

 

 

 

Depreciation                                                                                                                                 -                                - -

Financial Income

73.000

 

42.000

Financial Expenses

-7.391.000

-8.982.000

-7.120.000

Extraordinary Income

 

 

 

Extraordinary Costs

-7.391.000

-8.982.000

-7.120.000

Profit before Tax

67.056.000

75.380.000

79.894.000

Tax

-25.639.000

-26.857.000

-26.240.000

Profit after Tax

41.417.000

48.523.000

53.654.000

Minority Interests                                                                                                                           -                                - -

Other Appropriations

25.694.000

18.980.000

10.932.000

Retained Profit

67.111.000

67.503.000

64.586.000

 

Balance Sheet

Financial Year

2012

2011

2010

Number of Weeks

52

52

52

Currency

SEK

SEK

SEK

Consolidated Accounts

N

N

N

Land & Buildings

26.311.000

27.757.000

29.205.000

Plant & Machinery

0

0

0

Other Tangible Assets

52.187.000

62.025.000

71.258.000

Total Tangible Assets

78.498.000

89.782.000

100.463.000

Goodwill

32.850.000

38.930.000

45.010.000

Other Intangible Assets

38.780.000

42.575.000

45.622.000

Total Intangible Assets

71.630.000

81.505.000

90.632.000

Loans To Group

0

0

0

Other Loans

0

0

0

Miscellaneous Fixed Assets

19.000.000

19.000.000

19.000.000

Total Other Fixed Assets

19.000.000

19.000.000

19.000.000

TOTAL FIXED ASSETS

169.128.000

190.287.000

210.095.000

Work In Progress

0

0

0

Other Inventories

389.895.000

437.544.000

375.013.000

Total Inventories

389.895.000

437.544.000

375.013.000

Trade Receivables

13.285.000

16.275.000

12.744.000

Group Receivables

0

0

0

Miscellaneous Receivables

42.016.000

33.802.000

33.416.000

Total Receivables

55.301.000

50.077.000

46.160.000

Cash

51.645.000

0

30.187.000

Other Current Assets

0

39.888.000

13.100.000

TOTAL CURRENT ASSETS

496.841.000

527.509.000

464.460.000

TOTAL ASSETS

665.969.000

717.796.000

674.555.000

Trade Payables

99.104.000

128.862.000

151.269.000

Bank Liabilities

1.500.000

1.500.000

1.500.000

Group Payables

272.002.000

251.716.000

4.397.000

Miscellaneous Liabilities

142.492.000

144.965.000

153.630.000

TOTAL CURRENT LIABILITIES

515.098.000

527.043.000

310.796.000

Bank Liabilities Due After 1 Year

18.500.000

20.000.000

160.774.000

Other Loans Or Finance Due After 1 Year

0

0

0

Group Payables After 1 Year

0

0

0

Miscellaneous Liabilities Due After 1 Year

65.968.000

96.158.000

119.278.000

TOTAL LONG TERM LIABILITIES

 

84.468.000

116.158.000

280.052.000

TOTAL LIABILITIES

599.566.000

643.201.000

590.848.000

Called Up Share Capital

 

700.000

700.000

700.000

Share Premium

0

0

0

Revenue Reserves

 

140.866.000

150.370.000

80.000.000

Other Reserves

-75.163.000

-76.475.000

3.007.000

TOTAL SHAREHOLDERS EQUITY

 

66.403.000

74.595.000

83.707.000

 

Other Financials

Contingent Liabilities

 

101.000

157.000

199.000

Working Capital

-18.257.000

466.000

153.664.000

Net Worth

 

-5.227.000

-6.910.000

-6.925.000

 

Ratios

Pre-Tax Profit Margin

 

6.35 %

6.92 %

7.36 %

Return On Capital Employed

5.68 %

6.06 %

8.11 %

Return On Total Assets Employed

 

10.07 %

10.50 %

11.84 %

Return On Net Assets Employed

100.98 %

101.05 %

95.44 %

Sales/Net Working Capital

 

-57.88

2337.71

7.06

Stock Turnover Ratio

36.90 %

40.16 %

34.57 %

Debtor Days

 

4.59

5.45

4.29

Creditor Days

34.23

43.18

50.89

Current Ratio

 

0.96

1.00

1.49

Liquidity Ratio/Acid Test

0.21

0.17

0.29

Current Debt Ratio

 

7.76

7.07

3.71

Gearing

30.12 %

28.82 %

193.86 %

Equity In Percentage

 

11.54 %

12.08 %

14.82 %

Total Debt Ratio

9.03

8.62

7.06

 

 

Other Address

 

Address

Country

Kronetorpsvagen 2, 23237

SWEDEN

Per Albin Hanssons Vag 40, 21432

SWEDEN

Sodra Forstadsgatan 40 A, 21143

SWEDEN

Trangsundsvagen 20, 39356

SWEDEN

Valbo Kopcentrum, 81832

SWEDEN

Varuvagen 10, 70236

SWEDEN

Ostra Forstadsgatan 56, 21212

SWEDEN

Timmermansgatan 59, 60359

SWEDEN

Ostra Torggatan 8, 37230

SWEDEN

Krankroksgatan 17 ERIKSLUND SHOPPING CENTER, 72138

SWEDEN

Gesallvagen 1, 85753

SWEDEN

Frolunda Torg, 42142

SWEDEN

Kompanigatan 3, 55305

SWEDEN

Bollvagen 1, 51634

SWEDEN

Drottninggatan 21, 65225

SWEDEN

Jerikodalsgatan 1-2, 59530

SWEDEN

Forumvagen 12, 13153

SWEDEN

Repslagaregatan 12, 60232

SWEDEN

Sodergatan 21, 21134

SWEDEN

Ladugardsvagen 13, 46170

SWEDEN

Strompilsplatsen 9-15, 90743

SWEDEN

Gallerian 104, 72213

SWEDEN

Kungsgatan 44, 41115

SWEDEN

Backavagen 3, 41705

SWEDEN

Kupolen 26, 78170

SWEDEN

Gunborg Nymans Vag 2, 63222

SWEDEN

Farstaplan 25, 12347

SWEDEN

Postgatan 26-32, 41106

SWEDEN

Eurostop, 30263

SWEDEN

Norra Langgatan 16, 39232

SWEDEN

Skaraborgsvagen 62, 50630

SWEDEN

Drottninggatan 63, 11121

SWEDEN

Storholmsgatan 6, 12748

SWEDEN

Kopmannagatan 3, 54145

SWEDEN

Postgangen 43, 17145

SWEDEN

Glimmervagen 10, 19162

SWEDEN

Nordby Kopcentrum, 45270

SWEDEN

Torp 41, 45176

SWEDEN

Kungsangsgatan 10-12, 75322

SWEDEN

Marknadsvagen 9, 26036

SWEDEN

Pajalagatan 29, 16265

SWEDEN

Storgatan 8, 35231

SWEDEN

Storgatan 283, 18334

SWEDEN

Algatan 16, 23142

SWEDEN

Bergsmansgatan 9, 69131

SWEDEN

Drottninggatan 18, 65225

SWEDEN

Drottninggatan 29, 70222

SWEDEN

Drottninggatan 57, 37436

SWEDEN

Dobelnsgatan 8, 29131

SWEDEN

Ekenleden 6, 42836

SWEDEN

Eskilsgatan 6, 34130

SWEDEN

Forelltorget 6, 14147

SWEDEN

 

Forumgallerian, 75320

SWEDEN

Forumvagen 12, 13153

SWEDEN

Frolunda Torg, 42142

SWEDEN

Foreningsgatan 6, 98131

SWEDEN

Gunborg Nymans Vag 2, 63222

SWEDEN

Gymnasiegatan 4, 44234

SWEDEN

Hageby Centrum, 60359

SWEDEN

Hallunda Torg, 14568

SWEDEN

Hamngatan 42 GALLERIAN, 94132

SWEDEN

Helga Gorlins Gata 1 CHARLOTTENBERGS SHOPPINGCENTER, 67332

SWEDEN

Hertig Johans Torg 4, 54130

SWEDEN

Hallagatan 14, 72134

SWEDEN

Jagersrovagen 151, 21375

SWEDEN

Kronetorpsvagen 2, 23237

SWEDEN

Kungsgatan 22, 63220

SWEDEN

Kungsgatan 30, 46130

SWEDEN

Kungsgatan 9, 59130

SWEDEN

Kungsmassan, 43438

SWEDEN

Kupolen 94, 78170

SWEDEN

Kopmangatan 12, 81139

SWEDEN

Kopmangatan 15, 64130

SWEDEN

Kopmansgatan 13, 30242

SWEDEN

Liljeholmstorget 3, 11763

SWEDEN

Lilla Fiskaregatan 4, 22222

SWEDEN

Langgatan 22, 82143

SWEDEN

Marknadsgatan 1 GRANBY CENTRUM, 75460

SWEDEN

Markustorget 1, 77430

SWEDEN

Morby Centrum, 18231

SWEDEN

Nils Henrikssons Vag 3, 43335

SWEDEN

Norra Drottninggatan 8, 45131

SWEDEN

Nya Torget 4, 54230

SWEDEN

Nygatan 21, 80320

SWEDEN

Nygatan 47, 93131

SWEDEN

Postgatan 45, 41106

SWEDEN

Prastgatan 31, 83131

SWEDEN

Ronnebygatan 53, 37134

SWEDEN

Radhustorget 5, 26131

SWEDEN

Sergelgatan 11-15, 11157

SWEDEN

Smedjegatan 22, 55320

SWEDEN

Sollentunavagen 163-165, 19147

SWEDEN

Stora Brogatan 16, 50330

SWEDEN

Stora Ostergatan 4, 27134

SWEDEN

Storgatan 11, 89133

SWEDEN

Storgatan 14, 35231

SWEDEN

Storgatan 22B, 33130

SWEDEN

Storgatan 24, 82430

SWEDEN

Storgatan 28, 77130

SWEDEN

Storgatan 30, 85230

SWEDEN

Storgatan 34, 92131

SWEDEN

Storgatan 46, 97231

SWEDEN

Storholmsgatan 16, 12748

SWEDEN

Sodergatan 19, 25225

SWEDEN

Torggatan 24, 74531

SWEDEN

Torggatan 6, 67131

SWEDEN

Tradgardsgatan 5, 64531

SWEDEN

Valbo Kopcentrum, 81832

SWEDEN

Vasagatan 9B, 90329

SWEDEN

Vastra Kopmansgatan 28, 44430

SWEDEN

Vastra Storgatan 22, 61132

SWEDEN

Vastra Svedengatan 7 IKEA-HUSET, 58273

SWEDEN

Vastra Vallgatan 43, 43241

SWEDEN

 

Ostergatan 2, 28131

SWEDEN

Ostervag 7, 62145

SWEDEN

Hamngatan 37 GALLERIAN, 11153

SWEDEN

Bredgatan 11, 59330

SWEDEN

Jakobsbergs Centrum, 17730

SWEDEN

Kyrkogatan 17D, 79230

SWEDEN

Nordby Kopcentrum Vastra, 45270

SWEDEN

Stora Gatan 7-21, 72212

SWEDEN

Stores Grand 23, 13646

SWEDEN

Varuvagen 10, 70236

SWEDEN

Vala Centrum, 26036

SWEDEN

Kompanigatan 3, 55305

SWEDEN

Krokegardsgatan 5, 41705

SWEDEN

Skeppsbrogatan 12, 39231

SWEDEN

Gesallvagen 1, 85753

SWEDEN

Ostra Forstadsgatan 56, 21212

SWEDEN

Marknadsvagen 7, 24642

SWEDEN

Pajalagatan 51, 16265

SWEDEN

Holmgatan 9-11, 79171

SWEDEN

Farstaplan 25, 12347

SWEDEN

Arenavagen 57, 12177

SWEDEN

Nygatan 22, 58219

SWEDEN

Kista Galleria, 16491

SWEDEN

Stortorget 7-9, 70211

SWEDEN

Storgatan 4, 15171

SWEDEN

Kungsgatan 48, 41115

SWEDEN

Soderleden 1, 31261

SWEDEN

Koppargatan 20, 60223

SWEDEN

Per Albin Hanssons Vag 40, 21432

SWEDEN

Foretagsvagen 10, 22761

SWEDEN

Gotgatan 132, 11862

SWEDEN

Sodra Esplanaden 2, 73330

SWEDEN

Ladugardsvagen 12, 46170

SWEDEN

Simbagatan 14, 13154

SWEDEN

Postgangen 34 D, 17145

SWEDEN

Drottninggatan 55, 60232

SWEDEN

Glimmervagen 10, 19162

SWEDEN

Sodra Forstadsgatan 41, 21143

SWEDEN

Ostangrand 12, 13540

SWEDEN

Ostantorget 281, 18334

SWEDEN

Dragonvagen 86, 19433

SWEDEN

Drottninggatan 56, 11121

SWEDEN

Sodergatan 19, 21134

SWEDEN

Drottninggatan 22, 65225

SWEDEN

Drottninggatan 41, 60232

SWEDEN

Drottninggatan 56, 11121

SWEDEN

Gamla Brogatan 20-22, 11120

SWEDEN

Hamngatan 37 GALLERIAN, 11153

SWEDEN

Hejaregatan 32, 35246

SWEDEN

Karlaplan 13, 11520

SWEDEN

Kista Galleria, 16491

SWEDEN

Kungsmassan, 43438

SWEDEN

Kopmansgatan 21, 30242

SWEDEN

Lilla Fiskaregatan 8, 22222

SWEDEN

Malmborgsgatan 6, 21138

SWEDEN

Pajalagatan 17, 16265

SWEDEN

Prastgatan 29, 83131

SWEDEN

Skeppsbrogatan 12, 39231

SWEDEN

Sollentunavagen 163, 19147

SWEDEN

Storgatan 282, 18334

SWEDEN

Sodra Forstadsgatan 41, 21143

SWEDEN

 

Email Addresses

No information for this company.

 

Web Pages

www.iduna.se

 

Share Capital Structure

Issued Share  Capital                 700.000

 

 

Directors/Managers

 

Name

Appointment Date

Position

 

Sverker Albrektson

31/10/2003

Chairman of Board

 

Warborn, Bengt Oskar Lennart

15/01/2010

Actual Member of Board

 

Warborn, Sten Tage Birger

31/10/2003

Foreign Resident in the EEA

 

 

Previous Directors

Name

Appointment Date

Position

Resignation Date

Rolf Goran Richard Nilsson

13/03/1995

Actual Member of Board

 

 


 

Group Structure

 

Extended Group Structure

Company Name

 

Latest Annual Accounts

 

r n

JL Golden Heights AB

SE

5567119648

31/12/2012

 

lIj IdunaAB

SE

5560609058

31/12/2012

 

>  , C.G. Hallbergs Guldsmedsaktiebolag

SE

5560024258

31/12/2012

 

J-a Kultajousi Oy

FI

 

 

 

 

 

Employee Information

 

Year

Number of Employees

2012

636

2011

 

642

2010

636

2009

 

626

2008

664

 

Advisors

Auditor Name

Staffan Olle Edvin Landen

 

 

Additional Information

 

Tax Registrations

Registered for FTax

 

Yes

Registered for VAT

Yes

Registered for Employee Tax

 

Yes

 

Certificates

Type

Category

Issuer

No certificate information for this company.

 

 


Industry Comparison

 

Activity Code

 

47772

Activity Description

Retail sale of jewellery in specialised stores

Industry Average Credit Rating

 

71 (1 - 100)

Industry Average Credit Limit

3.000

 

 

Event History

 

Event Date

Event Description

28/08/2013

Group Structure Change

12/08/2013

 

Annual account, new

18/07/2013

Annual report (PDF), new

30/08/2012

 

Annual account, new

24/07/2012

Annual report (PDF), new

28/10/2011

 

Authorised signatories amended or new/amended vacancy text

28/10/2011

Company representatives, changed

28/10/2011

 

Board, changed

27/09/2011

Annual account, new

09/08/2011

 

Annual report (PDF), new

29/03/2011

Fax number, changed

31/08/2010

 

Annual account, new

19/08/2010

Annual report (PDF), new

16/01/2010

 

Authorised signatory, changed

16/01/2010

Board, changed

16/01/2010

 

Company representatives, changed

19/08/2009

Annual account, new

24/07/2009

 

Annual report (PDF), new

 

 

Negative Information

 

Debt balance at the Swedish Enforcement Agency

Number of Private Claims

Balance of Private Claims

Number of Public Claims

Balance of Public Claims

Total Balance

 

Record of non-payment

Number of distraint attempts and repossessions          -

Number of public claims          -

Number of private claims        -

Number of applications for an order to pay     1

Number of reclaimed/revoked applications     4

 

 

 

DIAMOND INDUSTRY – INDIA

 

-            From time immemorial, India is well known in the world as the birthplace for diamonds.  It is difficult to trace the origin of diamonds but history says that in the remote past, diamonds were mined only in India. Diamond production in India can be traced back to almost 8th Century B.C.  India, in fact, remained undisputed leader till 18th Century when Brazilian fields were discovered in 1725 followed by emergence of S. Africa, Russia and Australia.

-            The achievement of the Indian diamond industry was possible only due to combination of the manufacturing skills of the Indian workforce and the untiring and unflagging efforts of the Indian diamantaires, supported by progressive Government policies.

-            The area of study of family owned diamond businesses derives its importance from the huge conglomerate of family run organizations which operate in the diamond industry since many generations.

-            Some of the basic traits of family run business enterprises include spirit of entrepreneurship, mutual trust lowers transaction costs, small, nimble and quick to react, information as a source of advantage and philanthropy.

-            Family owned diamond businesses need to improve on many fronts including higher standard of corporate governance, long-term performance – focused strategies, modern management and technology.

-            Utmost caution is to be exercised while dealing with some medium and large diamond traders which are usually engaged in fictitious import – export, inter-company transactions, financially assisted by banks. In the process, several public sector banks lost several hundred million rupees. They mostly diverted borrowed money for diamond business into real estate and capital markets.

-            Excerpts from Times of India dated 30th October 2010 is as under –

 

-            Gem & Jewellery Export Promotion Council in its statistical data has shown the export of polished diamonds to have increase by 28 % in February 2013. Compared to $ 1.4 bn worth of polished diamond export in February, 2012, India exported $ 1.84 billion worth of polished diamonds in February 2013. A senior executive of GJEPC said, “Export of cut and polished diamonds started falling month-wise after the imposition of 2 % of import duty on the polished diamonds. But February, 2013 has given a new ray of hope to the industry as the export of polished diamonds has actually increased by 28 %. It means the industry  is on the track of recovery and round tripping of diamonds has stopped completely.” Demand has started coming from the US, the UK, Japan and China. India’s polished diamond export is expected to cross $ 21 bn in 2013-14.

 

-            The banking sector has started exercising restraint while following prudent risk management norms when lending money to gems and jewellery sector. This follows the implementation of Basel III accord – a global voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity.

 

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.60.05

UK Pound

1

Rs.101.65

Euro

1

Rs.83.07

 

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.