|
Report No. : |
330011 |
|
Report Date : |
04.07.2015 |
IDENTIFICATION DETAILS
|
Name : |
VOESTALPINE PRECISION STRIP GMBH |
|
|
|
|
Registered Office : |
Waidhofnerstraße 3 A-3333 Böhlerwerk |
|
|
|
|
Country : |
Austria |
|
|
|
|
Financials (as on) : |
31.03.2014 |
|
|
|
|
Date of Incorporation : |
09.11.1984 |
|
|
|
|
Legal Form : |
Limited Liability Company |
|
|
|
|
Line of Business : |
|
|
|
|
|
No. of Employees : |
750 (Approx.) (2015) |
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, 2015
|
Country Name |
Previous Rating (31.12.2014) |
Current Rating (31.03.2015) |
|
Austria |
A2 |
A1 |
|
Risk Category |
ECGC
Classification |
|
Insignificant |
A1 |
|
Low |
A2 |
|
Moderate |
B1 |
|
High |
B2 |
|
Very High |
C1 |
|
Restricted |
C2 |
|
Off-credit |
D |
AUSTRIA - ECONOMIC OVERVIEW
Austria, with its well-developed market economy, skilled
labor force, and high standard of living, is closely tied to other EU
economies, especially Germany's. Its economy features a large service sector, a
relatively sound industrial sector, and a small, but highly developed
agricultural sector. Economic growth was anemic at less than 0.5% in 2013 and
2014, and; growth in 2015 is not expected to exceed 0.5%. Austria’s 5.6%
unemployment rate, while low by European standards, is at an historic high for
Austria. Without extensive vocational training programs and generous early
retirement, the unemployment rate would be even higher. Public finances have
not stabilized even after a 2012 austerity package of expenditure cuts and new
revenues. On the contrary, in 2014, the government created a “bad bank” for the
troubled nationalized “Hypo Alpe Adria” bank, pushing the budget deficit up by
0.9% of GDP to 2.4% and public debt to 84.5% of the GDP. Although Austria's fiscal
position compares favorably with other euro-zone countries, it faces several
external risks, such as Austrian banks' continued exposure to Central and
Eastern Europe, repercussions from the Hypo Alpe Adria bank collapse, political
and economic uncertainties caused by the European sovereign debt crisis, the
current crisis in Russia/Ukraine, the recent appreciation of the Swiss Franc,
and political developments in Hungary.
|
Source
: CIA |
VOESTALPINE PRECISION
STRIP GMBH
Waidhofnerstraße 3
A-3333 Böhlerwerk
ÖNACE 25500 60% Forging, pressing, stamping and roll-forming of metal; powder metallurgy
ÖNACE 25610 30% Treatment and coating of metals
ÖNACE 68320 5% Management of real estate on a fee or contract basis
ÖNACE 35110 5% Production of electricity
|
Submitted for
collection on |
Submitted amount |
Amount paid so far |
Outstanding amount |
Last status of debt
collection |
Status as of |
|||
|
2014-05-26 |
EUR |
505,68 |
EUR |
505,68 |
EUR |
0,00 |
Payment after debt collection |
2014-07-02 |
|
Summen |
EUR |
505,68 |
EUR |
505,68 |
EUR |
0,00 |
|
|
Financial details can also be entered during the period, irrespective of the balance sheet date.
|
total turnover (total sales) |
2014 |
EUR |
160.000.000,00 |
(approx.) |
|
total turnover (total sales) |
2013 |
EUR |
155.313.842,58 |
(exact) |
|
total turnover (total sales) |
2012 |
EUR |
150.528.907,30 |
(exact) |
|
total turnover (total sales) |
2011 |
EUR |
166.934.163,53 |
(exact) |
|
total turnover (total sales) |
2010 |
EUR |
147.524.458,70 |
(exact) |
|
turnover (sales) - group |
2014 |
EUR |
11.189.487.000,00 |
(exact) |
|
turnover (sales) - group |
2013 |
EUR |
11.227.955.000,00 |
(exact) |
|
turnover (sales) - group |
2012 |
EUR |
11.524.401.000,00 |
(exact) |
|
turnover (sales) - group |
2011 |
EUR |
12.058.249.000,00 |
(exact) |
|
turnover (sales) - group |
2010 |
EUR |
10.953.695.000,00 |
(exact) |
|
total investments |
2013 |
EUR |
12.192.449,21 |
(exact) |
|
total employees |
2015 |
|
750 |
(approx.) |
|
Company name |
voestalpine Precision Strip GmbH |
|||
|
Year of
incorporation |
1984 |
|||
|
Type of company |
Manufacturing |
|||
|
Legal form |
limited liability company since 1984-11-09 |
|||
|
Companies house
number |
FN 90913 x St. Pölten since 1984-11-19 |
|||
|
Export |
|
|||
|
VAT number |
ATU 36929204 |
|||
|
number - Austrian
National Bank |
113506 |
|||
|
Last balance sheet: |
2014 |
|||
|
Banking connection |
|
|
operational |
A-3333 Böhlerwerk, Waidhofner Straße 3 |
registered office |
|
operational |
A-3333 Böhlerwerk, Waidhofnerstraße 3 |
registered headquarters, owned property |
|
|
0043 7442 600 |
precision-strip@voestalpine.com |
|
operational |
A-3331 Kematen Ybbs, Wipark 12.A, Strasse 1, Wirtschaftspark |
factory |
|
former |
A-3333 Böhlerwerk, Waidhofnerstraße 11 |
registered office |
|
former |
A-3133 Traismauer, Venusbergerstraße 22 |
branch office |
|
former |
A-3333 Böhlerwerk, Waidhofnerstraße 11 |
registered headquarters |
|
former |
A-2351 Wiener Neudorf, IZ NÖ Süd Straße 14 Objekt 12 |
registered headquarters |
|
Surname |
Date of birth |
Address |
Executive positions |
Further executive
positions (as registered in the companies' house) |
|
Ing. Leander Ahorner |
1955-05-14 |
A-3340 Waidhofen Ybbs Waidhofnerstraße 3 (c/o) |
manager |
1 |
|
Richard Langwieser |
1963-05-09 |
A-3333 Böhlerwerk Waidhofnerstraße 3 (c/o) |
manager |
0 |
|
Franz Maxera |
1963-01-19 |
A-3333 Böhlerwerk Waidhofnerstraße 3 (c/o) |
manager |
0 |
|
Ing. Anton Haas |
1965-12-18 |
A-3333 Böhlerwerk Waidhofnerstraße 3 (c/o) |
joint signing clerk |
0 |
|
Dr. Peter Schwab |
1964-09-16 |
A-4020 Linz Voestalpinestraße 1 |
chairman of the supervisory board |
6 |
|
Dr. Helmut Punz |
1955-10-31 |
A-4020 Linz Händelstraße 10 |
deputy chairman of the supervisory board |
4 |
|
MBA. Peter Bernscher |
1968-03-06 |
A-4020 Linz Lessingstraße 6 |
member of the supervisory board |
2 |
|
Marika Hauser |
1971-10-07 |
A-3333 Böhlerwerk Waidhofnerstraße 3 |
member of the supervisory board |
0 |
|
Reinhard Lang |
1971-09-09 |
A-1030 Wien Modecenterstraße 14(c/o) |
member of the supervisory board |
1 |
|
Martin Eggenberger |
|
A-3333 Böhlerwerk Waidhofnerstraße 3(c/o) |
head of accounting |
0 |
|
Company name |
Address |
Shareholdings in % |
Since |
Commercial register
no. |
|
Shares in this
company are held by: |
||||
|
voestalpine Metal Forming GmbH |
A-3500 Krems Donau Schmidhüttenstraße 5 |
99,9 % |
2012-07-11 |
FN 270056 t |
|
Donauländische Baugesellschaft m.b.H. |
A-4020 Linz Voest Alpinestraße 1 |
0,1 % |
2009-11-06 |
FN 79733 f |
|
|
||||
|
Affiliated companies
and further participations: |
||||
|
voestalpine Edelstahl GmbH |
A-1030 Wien Modecenterstraße 14/A/3 |
|
|
FN 78568 t |
|
Böhler International GmbH |
A-1030 Wien Modecenterstraße 14/BC/2 |
|
|
FN 36571 g |
|
voestalpine AG |
A-4020 Linz Voestalpinestraße 1 |
|
|
FN 66209 t |
|
BÖHLER Schmiedetechnik GmbH |
A-8605 Kapfenberg Mariazellerstraße 25 |
|
|
FN 129466 t |
|
BÖHLER-UDDEHOLM Immobilien GmbH |
A-1030 Wien Modecenterstraße 14/A/3 |
|
|
FN 140545 i |
|
voestalpine Weichensysteme GmbH |
A-8740 Zeltweg Alpinestraße 1 |
|
|
FN 197309 k |
|
voestalpine Treasury Holding GmbH |
A-4020 Linz voestalpinestraße 1 |
|
|
FN 276998 a |
|
BÖHLER Bleche GmbH |
A-8680 Mürzzuschlag Böhlergasse 1 |
|
|
FN 289636 k |
|
BÖHLER Edelstahl GmbH |
A-8605 Kapfenberg Mariazellerstraße 25 |
|
|
FN 289677 x |
|
voestalpine Krems GmbH |
A-3500 Krems Donau Schmidhüttenstraße 5 |
|
|
FN 32327 s |
|
voestalpine Krems Finaltechnik GmbH |
A-3502 Krems Lerchenfeld Schmidhüttenstraße 5 |
|
|
FN 43888 t |
|
voestalpine Rotec GmbH |
A-8670 Krieglach Eisenhammerstraße 15 |
|
|
FN 258821 w |
|
|
2014-03-31 |
|
Franchises, patents, licences, trademarks and similar rights and advantages |
512.203,17 |
|
Advanced payments |
149.397,48 |
|
Sum intangible assets |
661.600,65 |
|
Land and leasehold rights with buildings thereon including building on land owned by third parties |
48.592.162,57 |
|
Other operating and business equipment |
4.233.726,00 |
|
Technical plants and machines |
62.502.842,00 |
|
Advanced payments and constructions in progress |
9.603.794,38 |
|
Sum tangible assets |
124.932.524,95 |
|
Shares on related firms |
25.338.318,69 |
|
Other shareholdings |
90.762,10 |
|
Other financial assets, values and securities of fixed assets |
2.222.512,33 |
|
Sum financial assets |
27.651.593,12 |
|
Sum fixed assets |
153.245.718,72 |
|
Raw-, auxiliary materials and supplies |
16.456.311,14 |
|
Unfinished products |
22.835.347,23 |
|
Finished products |
17.601.699,52 |
|
Sum stock |
56.893.357,89 |
|
Claims from delivered goods and performed services |
5.063.292,98 |
|
Claims against companies with shareholding relationship |
352.421,87 |
|
Claims against related firmes Claims against companies with shareholding relationship |
13.063.493,66 |
|
Other claims and assets |
2.533.393,58 |
|
Sum claims |
21.012.602,09 |
|
Cash on hand, cheques and bank deposits |
289.374,66 |
|
Sum cash and bank |
289.374,66 |
|
Sum current assets |
78.195.334,64 |
|
Deferred charges |
128.407,64 |
|
Sum deferred charges |
128.407,64 |
|
Assets |
231.569.461,00 |
|
|
|
|
Subscribed/declared capital |
3.700.000,00 |
|
Committed capital reserves |
1.453.456,68 |
|
Other reserves |
77.314.301,34 |
|
Balance sheet profit/balance sheet loss |
18.059.500,00 |
|
Sum equity capital |
100.527.258,02 |
|
Investment contributions |
4.105.536,00 |
|
Sum floor capital |
4.105.536,00 |
|
Reserves for severance pays |
11.309.219,00 |
|
Reserves for pensions |
5.273.304,00 |
|
Other reserves |
13.717.404,05 |
|
Sum reserves |
30.299.927,05 |
|
Liabilities against credit institutes |
7.080.008,68 |
|
Received advanced payments for orders |
378.211,58 |
|
Liabilities from delivered goods and performed services |
10.475.387,67 |
|
Liabilities against related firms |
75.244.799,70 |
|
Other liabilities |
3.303.572,43 |
|
Sum liabilities |
96.481.980,06 |
|
|
|
|
Deferred income |
154.759,87 |
|
Sum deferred income |
154.759,87 |
|
Liabilities |
231.569.461,00 |
|
Contingent liabilities |
9.360.000,00 |
|
Balance sheet sum |
231.569.461,00 |
|
|
2014-03-31 |
|
Gross sales |
155.313.842,58 |
|
Increase or decrease in finished and unfinished goods and in service claims |
12.841.856,13 |
|
Other manufacturing costs capitalized |
316.755,77 |
|
Total turnover or gross profit |
168.472.454,48 |
|
|
|
|
Profits from retirement of fixed assets, except financial assets |
83.180,77 |
|
Income from dissolution of reserves |
1.494.436,47 |
|
Other operating profits |
2.632.673,85 |
|
Other operating profits totally |
4.210.291,09 |
|
|
|
|
Costs for obtained services |
-7.824.172,32 |
|
Material costs |
-80.368.715,34 |
|
Costs for obtained services totally |
-88.192.887,66 |
|
|
|
|
Wages |
-18.005.405,79 |
|
Salaries |
-10.899.706,29 |
|
Costs for severance pays |
-861.049,17 |
|
Costs for old age pension |
51.039,69 |
|
Legal fringe benefits and other payments depending on salaries |
-7.443.180,45 |
|
Other social fringe benefits |
-238.894,69 |
|
Personnel expenses totally |
-37.397.196,70 |
|
|
|
|
Depreciation of intangible assets, tangible assets,activated expenses for the set up and expansion of business operation |
-10.795.924,53 |
|
Depreciation tangible assets / intangible assets totally |
-10.795.924,53 |
|
|
|
|
Other operating costs |
-15.785.683,14 |
|
Total costs |
-15.785.683,14 |
|
|
|
|
Operating result totally |
20.511.053,54 |
|
|
|
|
Profits from shareholdings |
2.124.640,00 |
|
Interest income, securties income and similar income |
92.704,12 |
|
Disbursements from other financial assets and from securities of current assets (e.g. depreciations) |
-84.545,53 |
|
Interest and similar disbursements |
-1.505.925,08 |
|
Financial profits totally |
626.873,51 |
|
|
|
|
Results from usual business activity totally |
21.137.927,05 |
|
|
|
|
Taxes on income and profits |
-4.037.118,04 |
|
Taxes on income and profits totally |
-4.037.118,04 |
|
|
|
|
Annual surplus/annual deficit totally |
17.100.809,01 |
|
|
|
|
Dissolution profit reserves |
958.690,99 |
|
Reserves movements totally |
958.690,99 |
|
|
|
|
Annual profit/annual loss totally |
18.059.500,00 |
|
|
|
|
B/S profit/ B/S loss from profit and loss account |
18.059.500,00 |
|
|
2014 |
|
Cashflow II |
27.896.733,54 |
|
Debt amortisation period in years |
4,52 |
|
Bank indebtedness |
3,05 |
|
Equity capital share in % |
45,25 |
|
Social capital share |
7,16 |
|
Fixed assets coverage |
79,09 |
|
Net profit ratio |
12,54 |
|
Capital turnover |
0,72 |
|
Return on investment in % |
9,77 |
|
Cashflow in % of operating performance |
16,55 |
|
Cashflow I |
31.933.851,58 |
|
Gross productivity |
4,50 |
|
Net productivity |
2,14 |
|
Operating performance |
168.472.454,48 |
|
Inventories in % of operating performance |
33,77 |
|
Gross profit |
80.279.566,82 |
|
Last check |
2014-01-07 |
|
Entry number |
Cadastral community |
Journal number |
|
65 |
Böhlerwerk N 03302 |
818/2011 |
|
Section A – type of
property: |
|
GST-NR G BA (NUTZUNG) FLÄCHE GST-ADRESSE |
|
Section B –
ownership structure: |
|
1 ANTEIL: 1/1 |
|
Section C –
encumbrances: |
|
1 a 115/1959 |
|
firm (style) |
73 voestalpine Precision Strip GmbH |
|
legal form |
1 Gesellschaft mit beschränkter Haftung |
|
registered office |
55 Böhlerwerk, politische Gemeinde
Sonntagberg |
|
business adress |
50 Waidhofner Straße 3 |
|
capital |
29 EUR 3.700.000 |
|
reference date annual accounts |
38 31. März |
|
annual accounts |
71 zum 31.03.2014 eingereicht am
02.12.2014 |
|
power of representation |
1 Die Gesellschaft wird, wenn mehrere
Geschäftsführer |
|
|
|
|
proxy |
|
|
AE Ing. Anton Haas, geb. 18.12.1965 |
|
|
|
|
|
supervisory board |
|
|
AK Marika Hauser, geb. 07.10.1971 |
|
|
|
|
|
managing director |
|
|
N Richard Langwieser, geb. 09.05.1963 |
|
|
|
|
|
shareholder |
|
|
AD Donauländische Baugesellschaft m.b.H. |
|
|
|
|
|
general table |
|
|
Landesgericht St.
Pölten |
|
|
Year of incorporation |
1984 |
|
Date of registration |
1984-11-19 |
Change of company name
|
from |
to |
company name |
|
|
2009-10-17 |
BÖHLER YBBSTALWERKE GmbH |
|
2009-10-17 |
2015-04-08 |
BÖHLER-UDDEHOLM Precision Strip GmbH |
|
2015-04-08 |
|
voestalpine Precision Strip GmbH |
Change in share capital
|
from |
to |
asset |
|
|
|
2002-10-10 |
ATS |
50.000.000,00 |
|
2002-10-10 |
|
EUR |
3.700.000,00 |
Former executives
|
from |
to |
position |
name |
|
1996-11-22 |
2000-04-29 |
employee's representative on the supervisory board |
Herbert Belada |
|
|
2000-04-29 |
manager |
Dipl-Ing. Dieter Döberl |
|
2007-10-08 |
2008-07-09 |
manager |
Gerhard Tichler |
|
|
2008-07-09 |
joint signing clerk |
Richard Langwieser |
|
2007-10-24 |
2008-08-27 |
joint signing clerk |
Dr. Georg Reiser |
|
2007-10-24 |
2008-12-17 |
joint signing clerk |
Ing. Leander Ahorner |
|
1998-04-25 |
2007-05-23 |
chairman of the supervisory board |
Mag. Horst Königslehner |
|
2007-05-23 |
2008-07-09 |
chairman of the supervisory board |
Dipl-Ing. Franz Rotter |
|
2010-02-23 |
2010-04-29 |
chairman of the supervisory board |
Dipl-Ing. Franz Rotter |
|
2011-05-17 |
2012-06-20 |
chairman of the supervisory board |
Mag. Wolfgang Spreitzer |
|
2008-02-28 |
2008-07-09 |
deputy chairman of the supervisory board |
Mag. Horst Königslehner |
|
2010-02-23 |
2011-05-17 |
deputy chairman of the supervisory board |
Mag. Horst Königslehner |
|
2000-04-29 |
2008-02-28 |
member of the supervisory board |
Mag. Wolfgang Fugger |
|
2007-05-23 |
2008-02-28 |
member of the supervisory board |
Mag. Horst Königslehner |
|
2008-02-28 |
2008-07-09 |
member of the supervisory board |
Herbert Belada |
|
2010-02-23 |
2011-05-17 |
member of the supervisory board |
Mag. Wolfgang Spreitzer |
|
2010-04-29 |
2012-06-20 |
member of the supervisory board |
Dr. Helmut Punz |
|
|
2013-05-15 |
member of the supervisory board |
Mag. Wolfgang Spreitzer |
|
2011-05-17 |
2014-02-01 |
member of the supervisory board |
Mag. Horst Königslehner |
|
|
2015-01-21 |
member of the supervisory board |
Dr. Peter Schwab |
|
|
1998-04-25 |
member of the supervisory board |
Mag. Horst Königslehner |
|
2007-02-17 |
2007-05-23 |
member of the supervisory board |
Dipl-Ing. Franz Rotter |
|
|
1998-04-02 |
employee's representative on the supervisory board |
Helmut Matzinger |
|
2007-10-08 |
2008-12-17 |
manager |
Dipl-Ing. Franz Holy |
|
1995-02-16 |
1998-04-02 |
chairman of the supervisory board |
Dkfm.Dr. Claus Josef Raidl |
|
2008-02-28 |
2008-07-09 |
member of the supervisory board |
Dkfm.Dr. Claus Josef Raidl |
|
2010-02-23 |
2010-04-29 |
member of the supervisory board |
Dkfm.Dr. Claus Josef Raidl |
|
|
2014-10-25 |
chairman of the supervisory board |
Dipl-Ing. Herbert Eibensteiner |
|
2011-05-17 |
2012-06-20 |
deputy chairman of the supervisory board |
Dipl-Ing. Herbert Eibensteiner |
|
2010-04-29 |
2011-05-17 |
member of the supervisory board |
Dipl-Ing. Herbert Eibensteiner |
|
1994-04-16 |
2008-02-28 |
deputy chairman of the supervisory board |
Dipl-Ing.Dr. Kurt Consemüller |
|
2001-09-14 |
2008-02-28 |
member of the supervisory board |
Dr. Sabine Kelmayr Tippow |
|
|
1998-04-02 |
employee's representative on the supervisory board |
LAbg.a.D. Eduard Keusch |
|
1998-04-02 |
2001-04-10 |
member of the supervisory board |
Mag. Franz Peter Achleitner |
|
1998-04-02 |
2001-04-10 |
member of the supervisory board |
Harald Novak |
Former shareholders
|
from |
to |
position |
name |
|
1996-06-21 |
2010-02-06 |
partner |
voestalpine Edelstahl GmbH |
|
2010-02-06 |
2010-02-07 |
partner |
voestalpine Profilform GmbH |
Former shareholdings
|
from |
to |
company name |
|
2008-07-04 |
2009-10-29 |
Böhler Ybbstal GmbH |
|
2009-12-16 |
2009-12-31 |
Martin Miller GmbH |
Mergers
|
On |
position |
name |
|
1993-02-10 |
merged with |
Uddeholm Tooling Gesellschaft m.b.H. |
|
2010-01-04 |
merged with |
Martin Miller GmbH |
|
2009-12-14 |
merged with |
BÖHLER-UDDEHOLM Precision Strip GmbH & Co KG |
|
2009-10-29 |
merged with |
Böhler Ybbstal GmbH |
|
2009-10-01 |
merged with |
BÖHLER-UDDEHOLM Precision Strip GmbH |
FOREIGN EXCHANGE RATES
|
Currency |
Unit
|
Indian Rupees |
|
US Dollar |
1 |
Rs.63.40 |
|
UK Pound |
1 |
Rs.98.94 |
|
Euro |
1 |
Rs.70.33 |
INFORMATION DETAILS
|
Analysis Done by
: |
RAS |
|
|
|
|
Report Prepared
by : |
VNT |
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%)
This report is issued at your request without any
risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL)
or its officials.