MIRA INFORM REPORT

 

 

Report Date :

01.10.2014

 

IDENTIFICATION DETAILS

 

Name :

SUNNYFIELD PACKING COMPANY (PTY)LTD

 

 

Registered Office :

1444 South Coast Road, Mobeni, Durban, 4000

 

 

Country :

South Africa

 

 

Date of Incorporation :

30.08.1990

 

 

Com. Reg. No.:

M1990/005197/07

 

 

Legal Form :

Private Company

 

 

Line of Business :

Manufacture of flour, grain mill products incl. rice & vegetable milling

 

 

No. of Employees :

300

 

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)

South Africa

A2

A2

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SOUTH AFRICA - ECONOMIC OVERVIEW

 

South Africa is a middle-income, emerging market with an abundant supply of natural resources; well-developed financial, legal, communications, energy, and transport sectors and a stock exchange that is the 16th largest in the world. Even though the country's modern infrastructure supports a relatively efficient distribution of goods to major urban centers throughout the region, unstable electricity supplies retard growth. The global financial crisis reduced commodity prices and world demand. GDP fell nearly 2% in 2009 but has recovered since then, albeit slowly with 2014 growth projected at about 2%. Unemployment, poverty, and inequality - among the highest in the world - remain a challenge. Official unemployment is at nearly 25% of the work force, and runs significantly higher among black youth. Eskom, the state-run power company, has built two new power stations and installed new power demand management programs to improve power grid reliability. Construction delays at two additional plants, however, mean South Africa is operating on a razor thin margin; economists judge that growth cannot exceed 3% until those plants come on line. South Africa's economic policy has focused on controlling inflation, however, the country has had significant budget deficits that restrict its ability to deal with pressing economic problems. The current government faces growing pressure from special interest groups to use state-owned enterprises to deliver basic services to low-income areas and to increase job growth.

Source : CIA

 

 

 

 


 

Subject Name

SUNNYFIELD PACKING COMPANY (PTY)LTD

Country

South Africa

Subject Contact Person

ZAIN - Financial Manager

Assessment

On investigation contact was made with ZAIN the financial manager of the company who assisted with the information. The subject is meeting commitments timeously with their suppliers. We are awaiting a bank code for R 1 000 000 over 30 days. It should be borne in mind that there are judgements against the company. There is also reported to be a judgement showing against the principal Ashraf Mahomed, we are however awaiting confirmation of this. Please see the available information on the subject below.

 

 

Company information

 

Registered Name

SUNNYFIELD PACKING COMPANY (PTY)LTD

Trading as/ Division Name

SUNNYFIELD PACKING COMPANY

Previous Name

None

Date of Name Change

None

Registration Number

M1990/005197/07

Registration Date

1990/08/30

Date Commenced Trading

1990-08-30

Age of Business

24 Years 1 Months

History of Business

The subject was established in the year 1990 and has been trading for the past 24 years and 1 month.

History of Principals

There are 3 active directors within the company.

Shareholders/Members/Partners of subject and % holding

25% - ASHRAF ABDOOLA FAMILY TRUST, 25% -FAROUK ABDOOLA FAMILY TRUST, 25%o - NASEER ABDOOLA FAMILY TRUST, 25%o - GORA ABDOOLA FAMILY TRUST

Status

In Business

Operations Assessment

The subject main operation is to pack and distribute rice.

Industry/ Customers

The subject supplies to wholesalers, retailers and chain stores such as Checkers and Pick n Pay.

Export

None

Import

Yes

Major Industry Code / SICC

30311

Definition of Code

Manufacture of flour, grain mill products incl. rice & vegetable milling

Head Office Physical Address

1444 South Coast Road, MOBENI, DURBAN, 4000

Head Office Postal Address

PO BOX 4638, DURBAN, 4000

Current Tel Number

0314622332 / 0312017089

Current Fax Number

0314625610 / 0312015940

Current Email Address

sunnyfd@iafrica.com

Web Site Address

www.sunnyfieldpacking.co.za

 

 

Auditors information

 

Company Registered Name

SULTAN AND SULTAN

Trading Name

SULTAN AND SULTAN

Registration Number

7408155144080

Physical Address

STEPHEN DLAMINI RD 571, ESSENWOOD, DURBAN,4001

Postal Address

POSTNET SUITE 272,PRIVATE BAG X10,MUSGRAVE,4062

Contact Person

AKRAM

Contact Number

0312027860

Email

akram@sultan.co.za

Principals

1

Judgements Against Subject

None

Judgements Against Principals

None

Subject Verified as Client

Yes

Practice Number

05034872

VAT Number

4090235252

Tax Number

Unvailable

BEE Status

None

Financial Year End

February

No of years in Business

8 Years 6 Months

Website

www.sultan.co.za

Comment

 

 

Previous Auditors Information - No Information on Record

 

 

Tax Information

 

Vat Number

4660119480

Status

ACTIVE

Vat Liable Date

1991/09/30

Tax Number

9297311202

Tax Clearance Expire Date

 

Financial Year End

June

Comment

 

Black Economic Empowerment

Status

Yes

Score

6.00

Expire Date

 

BEE Certificate Available

No

Comment

 

 

ISO Information - No Information on Record

Workman's compensation

Registered

Yes

Compliance Certified

Yes

Comment

 

 

Company Structure

 

Subsidiaries Information - No Information on Record

 

Employees

 

Number of Employees

300

1. Salaried employees

300

2. Waged employees

0

3. Permanent employees

300

4. Casual employees

0

5. Contracted employees

0

Comment

 

Company Fleet

Company Fleet

No of vehicles:

Owned/Leased

Value

Outstanding Balance

Fleet Operations

 

 

 

 

The Fleet is made up of

41

Comment

 

Cars

4

Leased

 

 

Light delivery Vehicles

4

Leased

 

 

Trailers

3

Leased

 

 

Trucks

20

Leased

 

 

Fork Lifts

10

Leased

 

 

Offices

Offices

Head Office Owned/ Rented

Leased

Rental Company

FANG BROS FAMILY TRUST

Owned by

 

Value

 

Bond

 

Bank

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

Office

Comment

The subject has an ongoing lease with the rental company.

Branch Information

Branches Names

Country

Province

SUNNYFIELD PACKING COMPANY (PTY)LTD

South Africa

DURBAN

SUNNYFIELD PACKING COMPANY (PTY)LTD

South Africa

CAPE TOWN

SUNNYFIELD PACKING COMPANY (PTY)LTD

South Africa

PORT ELIZABETH

Branch Detail Information

Branches Owned/ Rented

Leased

Rental Company

 

Owned by

 

Value

 

Bond

 

Bank

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

Warehouse

Comment

 

Branches Owned/ Rented

Leased

Rental Company

 

Owned by

 

Value

 

Bond

 

Bank

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

Warehouse

Comment

 

 

Branches Owned/ Rented

Leased

Rental Company

 

Owned by

 

Value

 

Bond

 

Bank

 

Lease Agreement

 

Lease Expire Date

 

Type of Premises

Warehouse

Comment

 

 

 

Management Overview

 

Holding

Company

Sub

Comment

25% - ASHRAF ABDOOLA FAMILY TRUST

SUNNYFIELD PACKING COMPANY (PTY)LTD

 

 

25% -FAROUK ABDOOLA FAMILY TRUST

SUNNYFIELD PACKING COMPANY (PTY)LTD

 

 

25% - NASEER ABDOOLA FAMILY TRUST

SUNNYFIELD PACKING COMPANY (PTY)LTD

 

 

25% - GORA ABDOOLA FAMILY TRUST

SUNNYFIELD PACKING COMPANY (PTY)LTD

 

 

 

 

Company Structure (Ownership)

Note: One level up and all levels down

 

Organisation Chart

 

Level

Position

Name

Comment

 

1

Director

ASHRAF MAHOMED ISMAIL ABDOOLA

 

 

1

Director

FAROUK MAHOMED ISMAIL ABDOOLA

 

 

1

Director

NAUSHAD MAHOMED ISMAIL ABDOOLA

 

Key Deals - No Information on Record

 

 

Trade References

 

Trade Reference nr

Supplier

Contact

Surety Value

Notarial Bonds

Comment

1

EVEREST PLASTICS

0325337813

 

 

 

2

ORANGA

0113969700

 

 

 

3

IMPACT FREIGHT

0314648699

 

 

 

4

FLEXTHENE

0315077601

 

 

 

 

Trade References Detail

 

Nr

Age of Acc

Credit Limit

Max Credit

Terms

Average Purchases

Terms Taken

Comment

1

10 Years

 

R1500000

60 Days

R1500000

60 Days

This is a very good account. The subject has an open account

with the supplier.

2

13 years

R 500000.00

R 500000

30 Days

R 300000 -400000

30 Days

This is a very good account.

3

9 Years

 

R1000000

30 Days

R1000000

30 Days

This is a very good account. The subject has an open account

with the supplier.

4

1 Year

R 200000.00

R 200000

60 Days

R 200000

60 Days

This is an excellent account.

 

Adverse Information on Subject

 

Judgements

 

Judgements

2

Possible Judgements

No Information on Record

Civil Court

No Information on Record

RDs

No Information on Record

Comment

No Information on Record

 

BusinessRescue - No Information on Record

Default Listing - No information on record Notarial Bonds - No information on record

Bank

ABSA

Branch

BUSINESS KZN

Brach Code

632005

Bank Account Number

4062508270

Type of Account

CHEQUE

Account Name

SUNNYFIELD PACKING COMPANY (PTY)LTD

Overdraft Facilities

YES

Bank Code

Awaiting Bank Code

Bank Comment

 

 

Bank Code History - No Information on Record

 

Previous Bank Account Information - No Information on Record

 

Deeds Information - No information on record

 

 

Financial Estimates

 

CURRENT ASSETS

 

Stock

 

Debtors

 

FIXED ASSETS

 

Plant, Equipment, Vehicles

 

Property

 

CURRENT LIABILITIES

 

Creditors

 

Loans/ From?

 

Loan Details

 

LONG TERM LIABILITIES

 

Morgage Bonds

 

Previous Year Turnover

R120000000.00

Estimated Current Year Turnover

R140000000.00

Current Turnover per month

R12000000.00

Current Turnover per annum

R144000000.00

Comment

 

 

Please note the following:

Turnover and assets less than R 1,000,000.00

The subject falls within the National Credit Act

Turnover and assets less than R 2,000,000.00

The subject falls within the Consumer Protection Act

 

 

Principals

 

Number of Principals

4

Average Age of Active Principals

53

Active Principals Active Principal - 1 of 4 ASHRAF MAHOMED

Surname

MAHOMED

First Name

ASHRAF

Other Names

ISMAIL ABDOOLA

Marital Status

Married

ID Number

6511175209089

Verified ID Number

Yes

Current Age

48 Years 10 Months

Designation

DIRECTOR

Status

Active

Appointment Date

2010/05/19

Physical Address (at time of Appointment)

25 SWANSMILE ROAD, YELLOWWOOD PARK, 4004

Postal Address

P.O BOX 4638, DURBAN, 4000

Current Tel Number

0314612756

Cell number

0839378696

Shareholding/Membership

0.00

 

Business Information for ASHRAF MAHOMED Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

BEIGE HOLDINGS LTD

M1997/006871/06

In Business

17 Years 5 Months

0

No

 

CAPITAL TOBACCO AND DISTRIBUTION (PTY)LTD

M1999/025087/07

In Business

15 Years 3 Months

1

No

 

CAPITAL TOBACCO

COMPANY

(PTY)LTD

M1956/001416/07

Deregistration Process

58 Years 10 Months

0

No

 

DELTA BLUE TRADING 267 CC

B2005/061887/23

In Business

9 Years 9 Months

0

No

 

EAGLE CREEK INVESTMENTS 591 (PTY)LTD

M2006/011725/07

In Business

8 Years 8 Months

0

No

 

FASIC INVESTMENT CORPORATION LTD

M1997/003335/06

In Business

17 Years 5 Months

0

No

 

FULLOUTPUT 1096 CC

B2000/015814/23

In Business

14 Years 2 Months

0

No

 

GOLDEN FALLS TRADING 183 (PTY)LTD

M2004/012773/07

In Business

10 Years 10 Months

0

No

 

LAKADA (PTY)LTD

M2007/011446/07

In Business

7 Years 7 Months

0

No

 

NEWINVEST 158 (PTY)LTD

M2000/001383/07

In Business

14 Years 2 Months

0

No

 

NEWINVEST 167 (PTY)LTD

M2000/001773/07

Deregistration Process

14 Years 2 Months

0

No

 

ONE SEVEN SEVEN SIX INVESTMENTS (PTY)LTD

M1983/008979/07

In Business

31 Years 7 Months

0

No

 

POUND

STRETCHER

(PTY)LTD

M2002/012667/07

Deregistration Process

0

0

No

 

SAM AND JACK

PROPERTIES

(PTY)LTD

M1989/000494/07

Deregistration Process

25 Years 1 Months

0

No

 

SHARIEF TRADING (PTY)LTD

M2005/025389/07

Deregistration Process

9 Years 9 Months

0

No

 

SOLVISTA

INVESTMENTS

(PTY)LTD

M1994/004858/07

In Business

20 Years 8 Months

0

No

 

SUNNYFIELD PACKING COMPANY (PTY)LTD

M1990/005197/07

In Business

0

2

No

 

THE LION MATCH

COMPANY

(PTY)LTD

M1998/008912/07

In Business

16 Years 4 Months

0

No

 

VALOUR TRADING (PTY)LTD

M2001/004655/07

Deregistration Process

13 Years 1 Months

0

No

 

WADE PARK (PTY)LTD

M2007/027966/07

Deregistration Process

7 Years 7 Months

0

No

 

WILBAT PROJECTS 311 (PTY)LTD

M1998/016380/07

Deregistration Process

16 Years 4 Months

0

No

 

WILBAT PROJECTS 611 CC

B2000/030048/23

In Business

14 Years 2 Months

0

No

 

WILBAT PROJECTS 613 CC

B2000/034662/23

In Business

14 Years 2 Months

0

No

 

WILBAT PROJECTS 614 CC

B2000/035016/23

In Business

14 Years 2 Months

0

No

 

YELLOW FERN TRADING (PTY)LTD

M2006/030450/07

In Business

8 Years 8 Months

0

No

 

 

Principal Previous Business Interests

Principal's Deeds Information - No information on record

 

Active Principal - 2 of 4 FAROUK MAHOMED

 

Surname

MAHOMED

First Name

FAROUK

Other Names

ISMAIL ABDOOLA

Marital Status

Married

ID Number

5501055029088

Verified ID Number

Yes

Current Age

59 Years 8 Months

Designation

DIRECTOR

Status

Active

Appointment Date

1990/08/30

Physical Address (at time of Appointment)

68 MALINSON RD, OVERPORT, 4091

Postal Address

68 MALINSON RD, OVERPORT, 4091

Current Tel Number

0319122243

Cell number

0829075786

Shareholding/Membership

0.00

 

Business Information for FAROUK MAHOMED Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

DISCERN

INVESTMENTS

(PTY)LTD

M1995/013739/07

In Business

19 Years 7 Months

0

No

 

SUNNYFIELD PACKING COMPANY (PTY)LTD

M1990/005197/07

In Business

0

2

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

 

 

 

 

 

 

 

 

 

Principal's Deeds Information - No information on record

 

 

 

Active Principal - 3 of 4 NASEER MAHOMED

 

MAHOMED NASEER

 

Surname                                                           MAHOMED

First Name                                                        NASEER

Other Names                                                     ISMAIL ABDOOLA

Marital Status                                                    Married

ID Number                                                         6111025167080

Verified ID Number                                             Yes     

Current Age                                                       53 Years 7 Months

Designation                                                       DIRECTOR

Status                                                               Deceased

Appointment Date                                              1990/08/30

Physical Address (at time of Appointment)           26 SHOLAPUR ROAD, MEREBANK,4052

Postal Address                                                  P O BOX 4638, DURBAN, 4000

Current Tel Number                                            0314622332

Cell number                                                       0829085786

Shareholding/Membership                                   0.00

 

Business Information for NASEER MAHOMED Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

STAR CHOICE TRADING 6 (PTY)LTD

M2001/025440/07

Deregistration Process

13 Years 1 Months

0

No

 

SUNNYFIELD PACKING COMPANY (PTY)LTD

M1990/005197/07

In Business

0

2

No

 

 

Principal Previous Business Interests

 

Average Age of Previous Business

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

 

 

 

 

 

 

 

 

Principal's Deeds Information - No information on record

Active Principal - 4 of 4

NAUSHAD MAHOMED

 

Surname

MAHOMED

First Name

NAUSHAD

Other Names

ISMAIL ABDOOLA

Marital Status

Married

ID Number

6001305144083

Verified ID Number

Yes

Current Age

54 Years 8 Months

Designation

DIRECTOR

Status

Active

Appointment Date

1990/08/30

Physical Address (at time of Appointment)

1 VILLE CASALI, 126 BELLEVILLE ROAD, DURBAN, 4001

Postal Address

P O BOX 918, DURBAN, 4001

Current Tel Number

0313081711

Cell number

0827869133

Shareholding/Membership

0.00

 

Business Information for NAUSHAD MAHOMED

Principal Current Business Interests

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

AMCOS COSMETICS

INTERNATIONAL

(PTY)LTD

M2001/006259/07

In Business

13 Years 1 Months

0

No

 

ARCFIN TRADING 46 (PTY)LTD

M1999/028389/07

In Business

15 Years 3 Months

0

No

 

ARGO SOAP AND CHEMICAL INDUSTRIES (PTY)LTD

M1997/011925/07

In Business

17 Years 5 Months

0

No

 

BEIGE CONSUMER (PTY)LTD

M1998/007826/07

In Business

16 Years 4 Months

0

No

 

BEIGE HOLDINGS LTD

M1997/006871/06

In Business

17 Years 5 Months

0

No

 

BEIGE

INTERNATIONAL EXPORT (PTY)LTD

M1998/011982/07

In Business

16 Years 4 Months

1

No

 

CREST LIFE AND

GENERAL

(PTY)LTD

M1986/001936/07

In Business

28 Years 4 Months

0

No

 

CRYSTAL PACK (PTY)LTD

M1998/011248/07

In Business

16 Years 4 Months

0

No

 

G10 INVESTMENTS (PTY)LTD

M1998/009496/07

In Business

16 Years 4 Months

0

No

 

HERBAL AND

HOMEOPATHIC

(PTY)LTD

M2002/003282/07

In Business

0

0

No

 

LION MATCH

FORESTRY

(PTY)LTD

M2007/011484/07

In Business

7 Years 7 Months

0

No

 

LION MATCH PROPERTIES (PTY)LTD

M2011/011677/07

In Business

3 Years 3 Months

0

No

 

LORNAMEAD (PTY)LTD

M2000/009749/07

In Business

14 Years 2 Months

0

No

 

NATIONAL SHAVING PRODUCTS (PTY)LTD

M1964/007757/07

In Business

50 Years 2 Months

0

No

 

NEWSHELF 928 (PTY)LTD

M2007/030548/07

In Business

7 Years 7 Months

1

No

 

NSP UNSGAARD (PTY)LTD

M2006/038670/07

In Business

8 Years 8 Months

0

No

 

PLAZA HYPER CC

B2002/050630/23

Deregistration Process

0

0

No

 

QUALITY

PRODUCTS

(PTY)LTD

1999/008527/07

In Business

15 Years 3 Months

0

No

 

RAP PRODUCTS

INTERNATIONAL

(PTY)LTD

M1997/002884/07

In Business

17 Years 5 Months

1

No

 

SPECIALTY FORMULAS (PTY)LTD

M1997/019969/07

In Business

17 Years 5 Months

0

No

 

SPONGE TEXTURES (PTY)LTD

M1998/012244/07

In Business

16 Years 4 Months

0

No

 

THE LION MATCH COMPANY AFRICA LTD

M1948/028287/06

In Business

66 Years 6 Months

0

No

 

VALOUR TRADING (PTY)LTD

M2001/004655/07

Deregistration Process

13 Years 1 Months

0

No

 

WADE PARK (PTY)LTD

M2007/027966/07

Deregistration Process

7 Years 7 Months

0

No

 

ZIZMAX

INVESTMENTS

(PTY)LTD

1963/005605/07

In Business

51 Years 3 Months

0

No

 

 

Principal's Deeds Information - No information on record

Average Age of Previous Business                 26 Years

 

Company Name

Registration No

Status

Age of Business

Judgements

Liquidation

Comment

20 ALPINE HEATH CC

B1996/038582/23

Deregistration Final

18 Years 6 Months

0

No

 

ERF 627 AND 628 ESTCOURT (PTY)LTD

M2008/015636/07

In Business

6 Years 6 Months

0

No

 

GOLDEN FALLS TRADING 183 (PTY)LTD

M2004/012773/07

In Business

10 Years 10 Months

0

No

 

K C S A HOLDINGS (PTY)LTD

M1948/032113/07

In Business

66 Years 6 Months

0

No

 

KARBOTEK CARBON

TECHNOLOGIES

(PTY)LTD

M2001/025939/07

In Business

13 Years 1 Months

3

No

 

KIMBERLY-CLARK SOUTHERN AFRICA (HOLDINGS) (PTY)LTD

M1969/002685/07

In Business

45 Years 9 Months

0

No

 

 

Principal Previous Business Interests

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.61

UK Pound

1

Rs.100.28

Euro

1

Rs.78.21

 

INFORMATION DETAILS

 

Analysis Done by :

 SUB

 

 

Report Prepared by :

SDA

 

               

RATING EXPLANATIONS

 

RATING

STATUS

PROPOSED CREDIT LINE

 

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

 

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

 

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

 

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

 

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

 

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

Credit not recommended

 

--

NB

New Business

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                 Payment record (10%)

Credit history (10%)                    Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.