MIRA INFORM REPORT

 

 

Report No. :

341059

Report Date :

14.09.2015

 

IDENTIFICATION DETAILS

 

Name :

E LAND RETAIL, LTD.

 

 

Registered Office :

51, Jamwon-ro, Seocho-gu, Seoul, Korea 06511

 

 

Country :

South Korea

 

 

Financials (as on) :

30.06.2015

 

 

Date of Incorporation :

22.12.1978

 

 

Com. Reg. No.:

114-81-01855

 

 

Legal Form :

Co., Ltd by shares

 

 

Line of Business :

Retail Sale in Other Non-Specialized Large Stores

 

 

No. of Employees :

3,986

 

 

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 :

Good

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)

South Korea

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 


 

SOUTH KOREA - ECONOMIC OVERVIEW

 

South Korea over the past four decades has demonstrated incredible economic growth and global integration to become a high-tech industrialized economy. In the 1960s, GDP per capita was comparable with levels in the poorer countries of Africa and Asia. In 2004, South Korea joined the trillion-dollar club of world economies. A system of close government and business ties, including directed credit and import restrictions, initially made this success possible. The government promoted the import of raw materials and technology at the expense of consumer goods, and encouraged savings and investment over consumption. The Asian financial crisis of 1997-98 exposed longstanding weaknesses in South Korea's development model, including high debt/equity ratios and massive short-term foreign borrowing. GDP plunged by 7% in 1998, and then recovered by 9% in 1999-2000. South Korea adopted numerous economic reforms following the crisis, including greater openness to foreign investment and imports. Growth moderated to about 4% annually between 2003 and 2007. South Korea's export focused economy was hit hard by the 2008 global economic downturn, but quickly rebounded in subsequent years, reaching over 6% growth in 2010. The US-Korea Free Trade Agreement was ratified by both governments in 2011 and went into effect in March 2012. Between 2012 and 2014, the economy experienced slow growth due to sluggish domestic consumption and investment. The administration in 2015 is likely to face the challenge of balancing heavy reliance on exports with developing domestic-oriented sectors, such as services. The South Korean economy's long-term challenges include a rapidly aging population, inflexible labor market, dominance of large conglomerates (chaebols), and the heavy reliance on exports, which comprise about half of GDP. In an effort to address the long term challenges and sustain economic growth, the current government has prioritized structural reforms, deregulation, promotion of entrepreneurship and creative industries, and the competitiveness of small and medium enterprises.

 

Source : CIA

 


Basic Information

 

Company Name

E LAND RETAIL, LTD.

(Ex. Company Name : NEW CORE CO., LTD., “()뉴코아”)

(Korean Company Name : “()이랜드리테일”)

Registered Address

51, Jamwon-ro, Seocho-gu, Seoul, Korea

Building

 

Zip Code

06511

Tel

+82-2-509-5000

Fax

+82-2-509-6123~4

E-mail

webmaster@newcore.co.kr

Website

www.newcore.co.kr

Trading Address

51, Jamwon-ro, Seocho-gu, Seoul, Korea

(Old Address System : 70-2, Jamwon-dong, Seocho-gu, Seoul, Korea)

Tel

+82-2-2012-5298

Fax

+82-2-509-6123~4

Other Address

7FL., E Land Bldg., 19-8, Changjeon-dong, Mapo-gu, Seoul, Korea

Tel

+82-2-323-0456

Fax

+82-2-2214-9795

Other Address-Pyungchon Branch

1039-3, Hogye-dong, Dongan-gu, Anyang-si, Gyeonggi-do, Korea

Tel

+82-31-380-7777

Fax

 

Other Address-Ilsan Branch

797-2, Madu-dong, Ilsandong-gu, Goyang-si, Gyeonggi-do, Korea

Tel

+82-31-900-5000

Fax

 

Other Address-Yatop Branch

357-1, Yatap-dong, Bundang-gu, Seongnam-si, Gyeonggi-do, Korea

Tel

+82-31-780-3000

Fax

 

Other Address-Incheon Branch

1465-1, Guwol-dong, Namdong-gu, Incheon, Korea

Tel

+82-32-430-5000

Fax

 

Other Address-Pyeongtaek Branch

830, Bijeon 2-dong, Pyeongtaek-si, Gyeonggi-do, Korea

Tel

+82-31-650-6000

Fax

 

Other Address- Sanbon Branch

1231, Sanbon-dong, Gunpo-si, Gyeonggi-do, Korea

Tel

+82-31-390-5000

Fax

 

Other Address-Dong Suwon Branch

1114-1, Ingye-dong, Paldal-gu, Suwon-si, Gyeonggi-do, Korea

Tel

+82-31-231-6000

Fax

 

Other Address-Gwangmyeong Branch

38, Haan 1-dong, Gwangmyeong-si, Gyeonggi-do, Korea

Tel

+82-2-3397-2500

Fax

 

Other Address-Gwacheon Branch

1-19, Byeoryang-dong, Gwacheon-si, Gyeonggi-do, Korea

Tel

+82-2-509-5000

Fax

 

Other Address-Suncheon Branch

San 89-8, Jorye-dong, Suncheon-si, Jeollanam-do, Korea

Tel

+82-61-720-5800

Fax

 

Other Address-Ulsan Branch

1360-3, Dal-dong, Nam-gu, Ulsan, Korea

Tel

+82-52-228-5000

Fax

 

Other Address-Goejeong Branch

961-1, Goejeong 3-dong, Saha-gu, Busan, Korea

Tel

+82-51-209-5000

Fax

 

Other Address-Changwon Branch

30-1, Paryong-dong, Changwon-si, Gyeongsangnam-do, Korea

Tel

+82-55-270-7000

Fax

 

Other Address-Ulsan Seongnam Branch

249-1, Seongnam-dong, Jung-gu, Ulsan, Korea

Tel

+82-52-210-5000

Fax

 

Other Address-Ansan Branch

533, Gojan 2-dong, Danwon-gu, Ansan-si, Gyeonggi-do, Korea

Tel

+82-31-8040-8500

Fax

 

Other Address-Pyungchon Branch

1039-3, Hogye-dong, Dongan-gu, Anyang-si, Gyeonggi-do, Korea

Tel

+82-31-380-7777

Fax

 

Other Address-Ilsan Branch

797-2, Madu-dong, Ilsandong-gu, Goyang-si, Gyeonggi-do, Korea

Tel

+82-31-900-5000

Fax

 

Other Address-Yatop Branch

357-1, Yatap-dong, Bundang-gu, Seongnam-si, Gyeonggi-do, Korea

Tel

+82-31-780-3000

Fax

 

Other Address-Incheon Branch

1465-1, Guwol-dong, Namdong-gu, Incheon, Korea

Tel

+82-32-430-5000

Fax

 

Other Address-Pyeongtaek Branch

830, Bijeon 2-dong, Pyeongtaek-si, Gyeonggi-do, Korea

Tel

+82-31-650-6000

Fax

 

Other Address- Sanbon Branch

1231, Sanbon-dong, Gunpo-si, Gyeonggi-do, Korea

Tel

+82-31-390-5000

Fax

 

Other Address-Dong Suwon Branch

1114-1, Ingye-dong, Paldal-gu, Suwon-si, Gyeonggi-do, Korea

Tel

+82-31-231-6000

Fax

 

Other Address-Gwangmyeong Branch

38, Haan 1-dong, Gwangmyeong-si, Gyeonggi-do, Korea

Tel

+82-2-3397-2500

Fax

 

Type

Import/Export

Industry

Retail Sale in Other Non-Specialized Large Stores

  Main Business

Department Store Operation Services, Retail Sail Large Stores

  Sub Business

 

Established (mm/dd/yyyy)

12/22/1978

The Subject owns the premises of registered HQ address, Pyeongtaek Branch and Suncheon Branch.

 

 

Detailed Products

 

Activity

Detailed Products (UNSPSC)

Sell

Distribution(80141700)

Sell

Domestic Appliances and Supplies and Consumer Electronic Products(52000000)

Sell

Hotels(90111501)

 

 

CEO’s

 

Name

Lee Kwang-Il

Address

 

Date of Birth

06/1960

Title

President & CEO

Sex

Male

Nationality

Korean

 

 

Profiles

 

Capital (KRW)

230,710,190,000

Employees

3,986

Formation

Co., Ltd by shares

A Company of E-LAND GROUP

Bank Details

Shinhan Bank

Kookmin Bank

Woori Bank-Seoul Station Branch

SC First Bank of Korea-Shinbanpo Branch

KEB Hana Bank-Shinchon Branch

Corporate Registered No.

110111-0243800

Business Registered No.

114-81-01855

Permit & Licenses

Int’l Trade No.: 45189917

Shareholder Position

Name

Shares

%

ELAND WORLD LTD.(110111-0365797)

24,424,054

63.54

HARMONY A&G 1 CHA CO., LTD.(110111-5433472)

13,392,857

34.84

TREASURY STOCK

352,555

0.92

OTHERS

271,242

0.71

TOTAL

38,440,708

100.00

Company History

12/22/1978 Incorporated as HANSHIN EDUCATION DEVELOPMENT CO., LTD.

01/1984 Changed company name to the present name

12/03/1999 Approved of the Corporate Clearing Procedure by Seoul District Court

12/30/2003 Approved of the Revised Corporate Clearing Plan by Seoul District Court

06/15/2004 Completed the Corporate Clearing Procedure

05/14/2008 The Subject and ELAND WORLD LTD(110111-0365797) has signed the agreement to transfer the shares of ELAND RETAIL LIMITED(120111-0402412) to SAMSUNG TESCO CO., LTD.(110111-1684037)

08/31/2009 Merged Distribution Business of E LAND WORLD CO., LTD., and changed company name to the present name

05/2010 Acquired Distribution Business from HWASUNG INDUSTRIAL CO., LTD.(170111-0001131)

 

 

 

 

Detailed Information

 

Management

 

Job Description

Title

Name

Sex

Nationality

Date of Birth

President & CEO

Mr.

Lee Kwang-Il

Male

Korean

1960.06

Executive Director & CEO

Mr.

Kim Yeon-Bae

Male

Korean

1960.09

Vice President

Mr.

Shin Dong-Ki

Male

Korean

1956.04

Director

Mr.

Kim Am-In

Male

Korean

1961.03

Director

Mr.

Jung Sung-Kwan

Male

Korean

1966.07

Auditor

Mr.

Kim Bo-Gerl

Male

Korean

1965.04

 

 

Financials

 

Year / Unit : KRW

Sales

Assets

Net Income

(*)06/2015

986,051,162,902

2,670,986,386,056

105,198,864,781

(*)2014

2,044,100,423,769

2,648,721,277,051

132,284,238,758

(*)2013

1,985,727,970,215

2,448,160,457,518

77,710,703,391

(*)2012

1,891,075,978,368

2,180,080,199,142

49,696,400,740

(*)2011

1,799,341,559,557

2,112,787,471,063

131,424,450,044

(*)2010

1,491,444,653,693

1,748,691,756,963

27,979,230,442

2009

932,497,282,696

1,282,178,566,007

31,336,087,894

2008

703,595,518,122

1,262,678,210,242

25,794,718,992

2007

730,352,722,854

934,709,048,822

-90,687,849,814

2006

739,045,661,802

1,031,015,762,482

8,075,106,034

2005

566,214,902,413

876,429,256,904

70,509,874,470

2004

407,862,877,754

986,261,890,640

94,984,691,880

2003

481,934,949,485

1,538,337,671,290

274,822,446,794

(*)Figures are based on the K-IFRS Accounting System.

 

 

Financial Description

 

Authorized Capital(KRW)

461,493,350,000

Paid-Up Capital(KRW)

230,710,190,000

Total Issues Shares

38,440,708 (Common: 25,047,851 / Preferable: 13,392,857)

 

Balance Sheet

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Total Assets

2,670,986,386,056

2,648,721,277,051

2,448,160,457,518

Current Assets

524,801,956,207

474,387,937,784

482,395,778,439

Cash & Cash Equivalents

46,472,475,359

18,144,402,412

19,344,182,587

Finance Assets from this year's Income

46,657,087,602

37,797,365,214

-

Current Financial Instruments

4,331,900,000

3,262,685,000

34,766,990,656

Marketable Financial Instruments

6,094,462,870

3,892,563,870

2,536,520,700

Trade Receivables & Other Receivables

135,644,811,276

148,949,741,227

140,294,463,361

Inventories

249,066,871,013

218,563,719,654

250,113,360,470

Other Current Assets

36,534,348,087

43,777,460,407

35,340,260,665

Non-Current Assets

2,146,184,429,849

2,174,333,339,267

1,965,764,679,079

Non-Current Financial Instruments

6,868,488,984

6,868,468,383

25,702,201,204

Non-Current Marketable Financial Instruments

13,050,617,606

14,566,177,606

2,590,057,000

Finance Assets from this year's Income

582,905,156

-

 

Long-Term Trade Receivables & Other Receivables

231,142,119,726

168,098,831,953

171,062,120,383

Investment_Related Companies

387,262,102,751

410,991,907,839

305,172,850,439

Tangibles

1,428,525,960,662

1,494,849,695,713

1,377,960,564,786

Intangibles

5,825,520,255

6,223,410,928

7,397,115,383

Investment_Real Estates

26,228,161,745

26,288,277,155

25,683,262,635

Other Non-Current Assets

46,698,552,964

46,446,569,690

50,196,507,249

Total Liabilities

1,623,636,035,619

1,687,400,117,703

1,687,029,712,966

Current Liabilities

1,230,184,062,053

1,336,020,376,961

1,095,798,046,142

Trade Payables & Other Payables

289,939,241,176

390,838,648,606

389,854,273,034

Short-Term Borrowings

885,209,326,454

894,500,496,174

623,482,247,877

Finance Liabilities from this year's Income

-

50,311,297

-

Accrued Income Tax

20,239,182,097

23,242,376,107

55,779,471,145

Current Portion of Provisions

18,462,030,123

9,431,389,683

8,474,168,193

Other Finance Liabilities

98,770,816

93,568,008

453,962,561

Other Current Liabilities

16,235,511,387

17,863,587,086

17,753,923,332

Non-Current Liabilities

393,451,973,566

351,379,740,742

591,231,666,824

Long-Term Trade Payables & Other Payables

24,805,146,661

24,244,218,113

26,257,247,743

Long-Term Borrowings

321,413,023,177

289,896,408,878

532,061,551,578

Long-Term Finance Liabilities from this year's Income

1,267,990,440

-

 

Confirmed Salaries

3,200,821,481

1,464,415,436

-

Deferred Income Tax Credit

11,042,924,215

5,753,492,475

6,428,646,096

Other Financial Debts

 

 

101,079,452

Other Non-Current Debts

31,722,067,592

30,021,205,840

26,383,141,955

Capital Stock

230,710,190,000

230,710,190,000

163,745,905,000

Capital Surplus

328,895,869,026

328,895,869,026

99,942,427,344

Profit Surplus

457,870,487,032

372,282,156,049

467,833,146,174

Others

29,873,804,379

29,432,944,273

29,609,266,034

Total Equity

1,047,350,350,437

961,321,159,348

761,130,744,552

Liab. & Shareholder’s Equity

2,670,986,386,056

2,648,721,277,051

2,448,160,457,518

 

Income Statement

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Sales

986,051,162,902

2,044,100,423,769

1,985,727,970,215

Cost of Sold Goods

435,452,827,618

918,994,043,064

882,230,860,228

Gross Profit

550,598,335,284

1,125,106,380,705

1,103,497,109,987

Selling & Admin. Expenses

445,567,224,475

890,573,437,658

904,960,537,967

Operating Income

105,031,110,809

234,532,943,047

198,536,572,020

Other Income

30,452,577,601

15,836,879,863

14,755,813,141

Other Expenses

6,654,953,428

19,939,464,711

12,369,822,244

Finance Income

7,984,336,954

14,390,809,268

15,390,231,993

Finance Expenses

34,609,929,840

72,864,039,363

67,215,899,816

Income Before Taxes

102,203,142,096

171,957,128,104

149,096,895,094

Income Taxes Expenses

-2,995,722,685

39,672,889,346

71,386,191,703

Net Income

105,198,864,781

132,284,238,758

77,710,703,391

 

Cash Flows

Unit : Korean Won

01/01/2015~06/30/2015

As of 12/31/2014

As of 12/31/2013

Operating Activities Cash Flows

10,193,226,532

190,546,106,359

173,712,355,123

Cash Flows from Operating

31,798,767,204

308,694,592,559

250,166,235,311

Interests Received

1,854,129,712

5,559,787,973

5,737,015,855

Interests Paid

-29,832,458,745

-60,528,638,599

-61,717,765,818

Dividends Received

1,228,663,315

9,528,937,616

7,169,111,049

Income Taxes

5,144,125,046

-72,708,573,190

-27,642,241,274

Cash Flows from Investing

-107,462,555,500

-287,034,330,001

-328,033,559,378

Cash Flows from Financing

125,592,137,843

95,288,443,467

148,141,951,339

Increase/Decrease in Cash

28,322,808,875

-1,199,780,175

-6,179,252,916

Cash at the Beginning of Year

18,144,402,412

19,344,182,587

25,531,923,652

Cash at the End of Year

46,472,475,359

18,144,402,412

19,344,182,587

 

 

Products, Technologies, Services Description

 

Main Products & Services

Department Store Operation Services, Retail Sail Large Stores, Outlet Operation, Hotel Operation

 

Brand Name : Kim’s Club, NewCore Outlet, NC Department Store, Elcanto, Rexington

Detailed Products Spec.

 

Technologies Acquired

 

 

 

Trade Partners & Competitors

 

Suppliers

 

Customers

 

Competitors

SHINSEGAE CO., LTD.

52-5, CHUNGMURO 1-GA, JUNG-GU, SEOUL, KOREA

TEL:+82-2-727-1234  FAX:+82-2-727-1189

 

SHINSEGAE MART CO., LTD.

7TH FL., KUKDONG BLDG., 60-1, CHUNGMURO 3-GA, JUNG-GU, SEOUL, KOREA

TEL:+82-2-3468-1234  FAX:+82-2-3468-1049

 

COSTCO WHOLESALE KOREA INC.

COSTCO KOREA BLDG., 65, YANGPYEONGDONG 3-GA, YEONGDEUNGPO-GU, SEOUL, KOREA

TEL:+82-2-2679-1234  FAX:+82-2-2630-2633

 

Related Parties (Subsidiaries, Joint-Venture & Affiliates)

 

Affiliates

E-WORLD CO.,LTD.(170111-0290867)

DECO&E CO.,LTD.(110111-0409858)

GLOBAL SPORTS CO., LTD.(110111-2111386)

E-LAND WORLD CO., LTD.(110111-0365797)

LEAD CO., LTD.(110111-0723555)

E-LAND SYSTEMS CO., LTD.(110111-0747224)

LEADON CO., LTD.(110111-2999352)

ELAND CONSTRUCTION CO., LTD.(110111-0841688)

ELAND SERVICE CO., LTD.(110111-3656688)

WINE CASTLE CO., LTD.(134211-0080103)

ELAND CHINA FASHION DESIGN CO., LTD.(110111-3814020)

OLIVE STUDIO CO., LTD.(110111-3354571)

ELAND GONG DEOK CO., LTD.(110111-5005718)

Overseas Office

 

Liaison Office

 

Overseas Branch

 

Joint Venture

 

Subsidiary

ELAND PARK LIMITED(144411-0000098)

(85.2% held by the subject company)

 

E-WORLD CO., LTD.(170111-0290867)

(76.2% held by the subject company)

 

WINE CASTLE LIMITED(134211-0080103)

(100.0% held by the subject company)

 

ELACANTO CO., LTD.(134211-0001183)

(100.0% held by the subject company)

 

MATNURI CO., LTD.(KOREA)

(90.0% held by the subject company)

 

KOWUN JOKYUNG CO., LTD.(110111-0808620)

(100.0% held by the subject company)

 

AEWOL INT'L CULTURE COMPLEX CO., LTD.(224111-0021514 )

(87.0% held by the subject company)

 

ELAND CRUISE CO., LTD.(110111-1005407)

(80.5% held by the subject company)

 

TOURMALL CO., LTD.(110111-3964172)

(100.0% held by the subject company)

 

WAPOP CO., LTD.( 110111-2718570)

(100.0% held by the subject company)

 

YEJI SILUP CO., LTD.(115411-0000811)

(50.0% held by the subject company)

 

MICRONESIA RESORT, INC.(SAIPAN)

(99.7% held by the subject company)

 

PACIFIC RESORTS SAIPAN LTD.(SAIPAN)

(100.0% held by the subject company)

 

INTERPACIFIC RESORTS (SAIPAN) CORP

(100.0% held by the subject company)

 

CONSULTANT INTERNATIONAL(SAIPAN)

(100.0% held by the subject company)

 

SUWASO CORPORATION(SAIPAN)

(80.0% held by the subject company)

Corporate Ownership

ELAND WORLD LTD.(110111-0365797)

Major Shareholders

ELAND WORLD LTD.(110111-0365797)

Cooperative Enterprise

-Insured Company

DONGBU INSURANCE CO., LTD.(110111-0095285)

SAMSUNG LIFE INSURANCE CO., LTD.(110111-0005953)

 

 

Sales by Region (Activity & Markets)

 

Sales/ Unit :Mil KRW

06/2015

2014

2013

Export

984,843

9,478

7,528

Domestic

1,208

2,034,622

1,978,200

Total

986,051

2,044,100

1,985,728

Not Available.

 

Court Action

 

Case No.

Court

Plaintiff(s)/ Creditor(s)/ Applicant(s)

Defendant(s)/ Debtor(s)/ Respondent(s)

Cause

Amount (KRW)

Status

 

Seoul Central District Court

The Subject Company

Jungoh Development Co., Ltd & Other

Claim for Loan

2,336,000,000

Proceeding

 

Seoul Central District Court

STS City Development Co., Ltd. & Others

The Subject Company

Claim for Damages

8,367,000,000

Proceeding

 

News Clipping

 

-------

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.66.39

UK Pound

1

Rs.102.59

Euro

1

Rs.74.90

 

 

INFORMATION DETAILS

 

Analysis Done by :

DIV

 

 

Report Prepared by :

TPT

 

               

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.