Terms of Use

This website (“Web Site”) is owned and operated by Credit Analysis & Research Ltd (“CARE”),. These Terms of Use (“Terms of Use”) contain the terms, covenants, conditions, and provisions upon which you (also referred to herein as “User”) may access and use this Site and the content, including (without limitation) the ratings and other opinions, displayed on the Site.

By using this Web Site, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by their terms and conditions. If you do not agree to these Terms of Use or the Privacy Policy, you shall neither access nor use this Web Site. CARE reserves the right to amend the information, services, and/or content of this webpage at any time without prior notice. Use of Web Site constitutes an agreement by the user that the use is governed by these terms. CARE grants you a non-exclusive, non-transferable, limited license to access and use the Web Site for the fees, if applicable, and under the terms set forth below.

The content of the Web Site made accessible by CARE on the Web Site includes, but is not limited to, the CARE ratings and other opinions, text, data, reports, images, photos, graphics, graphs, charts, animations and video (collectively, the "Content"). The Content may be used only for non-commercial use.

The information contained herein is not intended for use which would be contrary to law or regulation.

All information contained herein is copyrighted in the name of Credit Analysis & Research Ltd and may not be copied, repackaged, reproduced, transmitted, transferred, disseminated, redistributed, resold, or stored (except that users may download, print, or e-mail copies of research or ratings) without the prior express written consent of CARE. All rights reserved.

Though the information contained herein is obtained from sources believed to be reliable and accurate, CARE makes no warranty, express or implied, as to the accuracy, timeliness, or completeness of that information and presents that information herein on an "as is" basis, free of any and all warranties. CARE specifically disclaims any and all warranties of merchantability or fitness for a particular purpose. CARE is not responsible for any loss that results from use of this information, including but not limited to any lost profits, direct, indirect, special, consequential, compensatory or incidental damage.

The credit ratings or other opinions herein are opinions of credit quality only, and are not recommendations to buy or sell any security.

Users may, through hypertext or other computer links, gain access to third party sites on the World Wide Web which are not related to or maintained by CARE. CARE is not affiliated with such third parties and takes no responsibility for the content therein.