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Credit ratings issued by Capital Intelligence Ratings Ltd ("CI Ratings" or “CI”) are an independent opinion of the creditworthiness of an entity or obligor, either in general or with regard to a specific financial obligation. CI’s credit ratings are statements of opinion regarding credit (or repayment) risk and not statements of fact.

A CI credit rating is not a recommendation to purchase, sell, or hold stocks or shares in an institution or particular security. A CI rating does not assess or indicate the likelihood of changes in the market price of rated instruments due to market-related factors, such as changes in interest rates or liquidity. A CI rating is not an opinion of the liquidity in the market of an issuer’s securities.

A report providing a CI credit rating is neither a prospectus nor a substitute for the information assembled, verified and presented to investors by the issuer and its agents in connection with the sale of the securities.

CI credit ratings are based on information from sources believed to be both reliable and of satisfactory quality. CI does not audit or independently verify information received during the rating process and may, in some cases, rely on un-audited financial data.

The information provided by CI on this website and in credit rating reports and other publications is provided "as is" without warranty of any kind. CI makes no representation or warranty, expressed or implied, as to the accuracy, timeliness, completeness, merchantability or fitness for any particular purpose of any such information.

In no event shall CI, its subsidiaries, affiliates, shareholders, directors or employees be liable to any person or entity for any and all losses or damages (including, without limitation, lost profits, attorneys’ fees, lost time or goodwill) caused by, resulting from, or relating to:

1. the use of CI’s credit ratings or other information on this website, including for any decision made or action taken based on information provided or published by CI;
2. any error, inaccuracy, or omission (regardless of cause) in the content of this website, including information contained in CI’s credit rating reports and other publications, or in the collection, analysis, interpretation, communication and publication and of any information forming part of the content;
3. any delay or interruption to service, regardless of cause.

Users of CI’s credit ratings should not rely solely on those ratings for their investment and other decisions but should perform their own analysis and conduct appropriate due diligence.

Users of this website may, through a link, gain access to websites operated by persons other that CI. Such links are provided for reference and convenience only, and are the exclusive responsibility of such websites’ owners. CI is not responsible for the content or operation of such websites, and CI shall have no liability for the use of third party websites.