LightRay's reports are provided by LightRay Inc. and its affiliates ("LightRay") for information only. A report is a snapshot as it stood on the date shown, drawn from sources LightRay has not independently verified.
Reports are research. Like any research, they can be wrong, incomplete or out of date, including about real people, companies and facts.
A report is not legal, financial, investment or other professional advice, not a credit rating and not a recommendation to deal with anyone. It is not a consumer report under the Fair Credit Reporting Act (FCRA) and must not be used to decide whether to employ, lend to, insure or house any individual.
Court cases, regulatory matters and press reports are described as recorded, and as allegations unless a final decision is stated. The readings, questions and next steps are opinion, not fact. A record may concern another company or person with a similar name: confirm identities before relying on it.
Reports are provided "as is", with no warranty, including that a report has found every relevant matter. To the fullest extent the law allows, LightRay accepts no liability for any loss arising from a report or its use, including in negligence, and owes no duty of care to anyone who has not requested one; anyone else relies on it at their own risk.
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