CareEdge Global IFSC Limited (“CGIL”) obtains all information furnished on the Web Site from sources believed by it to be accurate and reliable. You expressly agree that: 

1. The credit ratings and other opinions provided via the Web Site are, and will be construed solely as, statements of opinion of the relative future credit risk (as defined below) of entities, credit commitments, or debt or debt-like securities and not statements of current or historical fact as to credit worthiness, investment or financial advice, recommendations regarding credit decisions or decisions to buy, hold or sell any securities, endorsements of the accuracy of any of the data or conclusions, or attempts to independently assess or vouch for the financial condition of any company; 

2. The credit ratings and other credit opinions provided via the Web Site do not address any other risk, including but not limited to liquidity risk, market value risk or price volatility; 

3. The credit ratings and other opinions provided via the Web Site do not take into account your personal objectives, financial situations or needs; 

4. Each rating or other opinion will be weighed, if at all, solely as one factor in any investment or credit decision made by or on behalf of you; and 

5. You will accordingly make your own study and evaluation of each credit decision or security, and of each issuer and guarantor of, and each provider of credit support for, each security or credit that you may consider buying, holding, selling, or providing. Further, you expressly agree that any tools or information made available on the Web Site are not a substitute for the exercise of independent judgment and expertise. You should always seek the assistance of a professional for advice on investments, tax, the law, or other professional matters. For purposes of this paragraph, CGIL defines “credit risk” as the risk that an entity may not meet its contractual, financial obligations as they come due and any estimated financial loss in the event of default. 

CGIL adopts all necessary measures so that the information it uses in assigning a credit rating is of sufficient quality and from sources CGIL considers to be reliable, including, when appropriate, independent third-party sources. However, CGIL is not an auditor and cannot in every instance independently verify or validate information received in the rating process. Because of the possibility of human and mechanical error as well as other factors, the Web Site and all related materials, products, services and information are provided on an "AS IS" and “AS AVAILABLE” basis without representation or warranty of any kind, and CGIL AND ITS LICENSORS AND SUPPLIERS MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO YOU OR ANY OTHER PERSON OR ENTITY AS TO THE ACCURACY, RESULTS, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE WITH RESPECT TO THE WEB SITE OR ANY RELATED MATERIALS, TOOLS, PRODUCTS, SERVICES OR INFORMATION. CGIL makes no representation or warranty that any materials, tools, products, services or information on the Web Site are appropriate or available for use in any particular locations, and access to them from territories where any of the contents of this Web Site are illegal is prohibited. If you choose to access this Web Site from such locations, you do so on your own volition and are responsible for compliance with any applicable local laws, rules and regulations. CGIL may limit the Web Site’s availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion. You agree and acknowledge that no oral or written information or advice given by CGIL or any of its employees or agents in respect to the Web Site shall constitute a representation or a warranty unless such information or advice is incorporated into these Terms of Use by a written agreement. FURTHER, THE INFORMATION, MATERIALS, TOOLS, PRODUCTS, AND SERVICES MADE AVAILABLE ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND THERE MAY BE TIMES WHEN THIS WEB SITE OR ITS CONTENTS ARE UNAVAILABLE. MOREOVER, CGIL MAY MAKE MODIFICATIONS AND/OR CHANGES TO THE WEB SITE OR TO THE INFORMATION, MATERIALS, TOOLS, PRODUCTS, AND SERVICES DESCRIBED OR MADE AVAILABLE ON THE WEB SITE AT ANY TIME, FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE AND/OR RELYING ON THE INFORMATION, MATERIALS, TOOLS, PRODUCTS, AND SERVICES MADE AVAILABLE ON THE WEB SITE. 

UNDER NO CIRCUMSTANCES WILL CGIL OR ITS LICENSORS OR SUPPLIERS BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, COMPENSATION, REIMBURSEMENT OR DAMAGES ON ACCOUNT OF THE LOSS OF PRESENT OR PROSPECTIVE PROFITS, EXPENDITURES, INVESTMENTS OR COMMITMENTS, WHETHER MADE IN THE ESTABLISHMENT, DEVELOPMENT OR MAINTENANCE OF BUSINESS REPUTATION OR GOODWILL, FOR LOSS OF DATA, COST OF SUBSTITUTE MATERIALS, PRODUCTS, SERVICES OR INFORMATION, COST OF CAPITAL, AND THE CLAIMS OF ANY THIRD PARTY, OR FOR ANY OTHER REASON WHATSOEVER, EVEN IF CARE OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 

Indemnity 

You agree to indemnify and hold harmless CGIL, its licensors and suppliers, all of their affiliates, and all of their respective officers, directors, employees, shareholders, legal representatives, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals' fees and court costs) arising out of any third party claims based on or related to your use of the Web Site or any breach by you of these Terms of Use.