GCR Publishes Its South Africa Short Term Insurance Industry Bulletin
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CREDIT RATINGS ISSUED AND RESEARCH PUBLICATIONS PUBLISHED BY GCR, ARE GCR’S OPINIONS, AS AT THE DATE OF ISSUE OR PUBLICATION THEREOF, OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES. GCR DEFINES CREDIT RISK AS THE RISK THAT AN ENTITY MAY NOT MEET ITS CONTRACTUAL AND/OR FINANCIAL OBLIGATIONS AS THEY BECOME DUE. CREDIT RATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT NOT LIMITED TO: FRAUD, MARKET LIQUIDITY RISK, MARKET VALUE RISK, OR PRICE VOLATILITY. CREDIT RATINGS AND GCR’S OPINIONS INCLUDED IN GCR’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. CREDIT RATINGS AND GCR’S PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND CREDIT RATINGS AND GCR’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL OR HOLD PARTICULAR SECURITIES. NEITHER GCR’S CREDIT RATINGS, NOR ITS PUBLICATIONS, COMMENT ON THE SUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. GCR ISSUES ITS CREDIT RATINGS AND PUBLISHES GCR’S PUBLICATIONS WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING OR SALE. GCR’S CREDIT RATINGS, ASSESSMENTS, OTHER OPINIONS, AND PUBLICATIONS ARE EXCLUSIVELY INTENDED FOR USE BY WHOLESALE AND/OR INSTITUTIONAL USERS AND/OR INVESTORS ONLY AND ARE THEREFORE SPECIFICALLY NOT INTENDED FOR USE BY RETAIL OR INDIVIDUAL USERS AND/OR INVESTORS. TO REITERATE AS PER ABOVE, GCR DOES NOT PROVIDE INVESTMENT ADVICE IN ANY MANNER OR FORM. GCR STRONGLY RECOMMENDS THAT USERS PERFORM THEIR OWN INDEPENDENT RESEARCH AND/OR CONSULT WITH SUITABLY QUALIFIED PROFESSIONAL(S) BEFORE MAKING ANY FINANCIAL DECISIONS. THE OWNERSHIP OF ANY INVESTMENT DECISION(S) SHALL EXCLUSIVELY VEST WITH THE USER AFTER ANALYZING ALL POSSIBLE RISK FACTORS AND BY EXERCISING THEIR OWN INDEPENDENT DISCRETION, AND GCR SHALL NOT BE LIABLE OR HELD LIABLE FOR ANY CONSEQUENCE THEREOF.
GCR’s credit ratings, assessments, other opinions and publications are exclusively intended for use by wholesale and/or institutional users and/or investors only and are therefore specifically not intended for use by retail or individual users and/or investors. To reiterate as per above, GCR does not provide investment advice in any manner or form. GCR strongly recommends that users perform their own independent research and/or consult with suitably qualified professional(s) before making any financial decisions. The ownership of any investment decision(s) shall exclusively vest with the user after analyzing all possible risk factors and by exercising their own independent discretion, and GCR shall not be liable or held liable for any consequence thereof.
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