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Ratings are statements of opinion, not statements of fact or recommendations to buy, hold, or sell any securities.

IIRA does not make any guarantee or warranty as to the accuracy or completeness of or results to be obtained from accessing its site content, nor any material that can be accessed through IIRA's site. IIRA and on behalf of its scholars, officers, employees, agents, suppliers and licensors disclaim any and all warranties, and exclude liability for any losses and expenses of whatever nature and howsoever arising, including without limitation to lost time, lost money, lost profits or good will, claims of third parties or other losses of any kind or character.

IIRA obtains all information from sources believed by it to be accurate and reliable. It is emphasized that the credit ratings and other opinions provided will be construed solely as, statements of opinion and not statements of fact as to creditworthiness or recommendations regarding credit decisions or decisions to purchase, hold or sell any securities or endorsements of the accuracy of any of the data or conclusions, or attempts to independently assess or assure for the financial condition of any company. Yet, each rating or other opinion will be weighed, if at all, solely as one factor in any investment or credit decision. Finally, a user is recommended to study and evaluate each credit decision or security, and each issuer and guarantor of, and each provider of credit support for, each security or credit that the user may consider purchasing, holding, selling, or providing.

Because of the possibility of human and mechanical error as well as other factors, IIRA’s 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.


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