| A credit rating agency relies on information provided by the issuer, its management, auditors, and other third-party sources, without performing independent verification, and users must read the entire report to avoid misinterpretation. The agency does not act as a fiduciary or expert and the report creates no legally binding obligations. The agency is not liable for errors in transmission or losses resulting from the report's use, and may have commercial transactions or receive compensation from the issuer or underwriters. These disclaimers are intended to limit legal liability, ensure transparency, and emphasize user responsibility in investment decisions. |