Risk Analytics Market - Global Industry Size, Share, Trends, Opportunity, and Forecast Segmented By Component (Solution and Service), By Deployment (On-premise and Cloud), By End-User (BFSI, Healthcare, Retail, Manufacturing and Others), By Region, and By Competition, 2020-2030F
The Global Risk Analytics Market, valued at USD 45.32 Billion in 2024, is projected to experience a CAGR of 12.83% to reach USD 93.51 Billion by 2030. Risk analytics involves the measurement, quantification, organization, and prediction of outcomes based on a business's risk exposure, utilizing various tools and technologies to forecast potential incidents and enable proactive risk management. The market's growth is primarily driven by the escalating demand for cohesive platforms to evaluate and mitigate diverse risks, including an increasing prevalence of cybersecurity threats and the complexities introduced by stringent global regulatory compliance requirements.
Key Market Drivers
The escalating frequency of cyber threats and sophisticated fraud schemes is a primary driver for the Global Risk Analytics Market. Enterprises across all sectors face an expanding attack surface and evolving tactics from malicious actors, necessitating advanced analytical capabilities to identify vulnerabilities, predict intrusions, and respond promptly to incidents. This pervasive digital risk landscape underscores the critical need for comprehensive risk analytics solutions that process vast data to discern anomalous patterns indicative of cyberattacks or fraudulent activities. According to IBM, in its "Cost of a Data Breach Report 2023" published in July 2023, the average cost of a data breach reached an all-time high of $4.45 million, emphasizing the substantial financial implications of inadequate cybersecurity defenses. The imperative to safeguard sensitive data and maintain operational integrity fuels the demand for predictive risk analytics frameworks.
Key Market Challenges
A significant challenge impeding the growth of the Global Risk Analytics Market arises from issues related to model risk and bias, particularly concerning artificial intelligence and machine learning-driven predictive models. These advanced models, while offering enhanced capabilities, can inadvertently produce inaccurate or skewed outcomes due to inherent biases in training data or model design limitations. This directly undermines confidence in the reliability and fairness of risk analytics solutions, causing organizations to hesitate in their adoption and extensive deployment.
Key Market Trends
The expansion of risk analytics into diverse non-financial sectors is a significant market trend, driven by the escalating need to manage complex operational and external risks. Industries such as manufacturing, healthcare, and utilities are increasingly recognizing the strategic value of these advanced analytical capabilities for navigating intricate supply chain disruptions, evolving geopolitical landscapes, and operational inefficiencies. This broadened application signifies a market shift towards integrated enterprise risk management. RIMS. org's Q3 2024 publication observed increased investments in supply chain risk management across industries due to geopolitical tensions, indicating non-financial entities are enhancing their comprehensive risk approaches.
Key Market Players
In this report, the Global Risk Analytics Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies presents in the Global Risk Analytics Market.
Available Customizations:
Global Risk Analytics Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:
Company Information
Key Market Drivers
The escalating frequency of cyber threats and sophisticated fraud schemes is a primary driver for the Global Risk Analytics Market. Enterprises across all sectors face an expanding attack surface and evolving tactics from malicious actors, necessitating advanced analytical capabilities to identify vulnerabilities, predict intrusions, and respond promptly to incidents. This pervasive digital risk landscape underscores the critical need for comprehensive risk analytics solutions that process vast data to discern anomalous patterns indicative of cyberattacks or fraudulent activities. According to IBM, in its "Cost of a Data Breach Report 2023" published in July 2023, the average cost of a data breach reached an all-time high of $4.45 million, emphasizing the substantial financial implications of inadequate cybersecurity defenses. The imperative to safeguard sensitive data and maintain operational integrity fuels the demand for predictive risk analytics frameworks.
Key Market Challenges
A significant challenge impeding the growth of the Global Risk Analytics Market arises from issues related to model risk and bias, particularly concerning artificial intelligence and machine learning-driven predictive models. These advanced models, while offering enhanced capabilities, can inadvertently produce inaccurate or skewed outcomes due to inherent biases in training data or model design limitations. This directly undermines confidence in the reliability and fairness of risk analytics solutions, causing organizations to hesitate in their adoption and extensive deployment.
Key Market Trends
The expansion of risk analytics into diverse non-financial sectors is a significant market trend, driven by the escalating need to manage complex operational and external risks. Industries such as manufacturing, healthcare, and utilities are increasingly recognizing the strategic value of these advanced analytical capabilities for navigating intricate supply chain disruptions, evolving geopolitical landscapes, and operational inefficiencies. This broadened application signifies a market shift towards integrated enterprise risk management. RIMS. org's Q3 2024 publication observed increased investments in supply chain risk management across industries due to geopolitical tensions, indicating non-financial entities are enhancing their comprehensive risk approaches.
Key Market Players
- IBM Corporation
- Oracle Corporation
- SAP SE
- SAS Institute Inc.
- Moody's Analytics Inc.
- OneSpan Inc.
- Capgemini SE
- Accenture PLC
- Provenir Group
- AxiomSL Ltd.
In this report, the Global Risk Analytics Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
- Risk Analytics Market, By Component:
- Solution
- Service
- Risk Analytics Market, By Deployment:
- On-premise
- Cloud
- Risk Analytics Market, By End-User:
- BFSI
- Healthcare
- Retail
- Manufacturing
- Others
- Risk Analytics Market, By Region:
- North America
- United States
- Canada
- Mexico
- Europe
- France
- United Kingdom
- Italy
- Germany
- Spain
- Asia Pacific
- China
- India
- Japan
- Australia
- South Korea
- South America
- Brazil
- Argentina
- Colombia
- Middle East & Africa
- South Africa
- Saudi Arabia
- UAE
Company Profiles: Detailed analysis of the major companies presents in the Global Risk Analytics Market.
Available Customizations:
Global Risk Analytics Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:
Company Information
- Detailed analysis and profiling of additional market players (up to five).
1. PRODUCT OVERVIEW
1.1. Market Definition
1.2. Scope of the Market
1.2.1. Markets Covered
1.2.2. Years Considered for Study
1.2.3. Key Market Segmentations
2. RESEARCH METHODOLOGY
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. EXECUTIVE SUMMARY
3.1. Overview of the Market
3.2. Overview of Key Market Segmentations
3.3. Overview of Key Market Players
3.4. Overview of Key Regions/Countries
3.5. Overview of Market Drivers, Challenges, Trends
4. VOICE OF CUSTOMER
5. GLOBAL RISK ANALYTICS MARKET OUTLOOK
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Component (Solution, Service)
5.2.2. By Deployment (On-premise, Cloud)
5.2.3. By End-User (BFSI, Healthcare, Retail, Manufacturing, Others)
5.2.4. By Region
5.2.5. By Company (2024)
5.3. Market Map
6. NORTH AMERICA RISK ANALYTICS MARKET OUTLOOK
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Component
6.2.2. By Deployment
6.2.3. By End-User
6.2.4. By Country
6.3. North America: Country Analysis
6.3.1. United States Risk Analytics Market Outlook
6.3.1.1. Market Size & Forecast
6.3.1.1.1. By Value
6.3.1.2. Market Share & Forecast
6.3.1.2.1. By Component
6.3.1.2.2. By Deployment
6.3.1.2.3. By End-User
6.3.2. Canada Risk Analytics Market Outlook
6.3.2.1. Market Size & Forecast
6.3.2.1.1. By Value
6.3.2.2. Market Share & Forecast
6.3.2.2.1. By Component
6.3.2.2.2. By Deployment
6.3.2.2.3. By End-User
6.3.3. Mexico Risk Analytics Market Outlook
6.3.3.1. Market Size & Forecast
6.3.3.1.1. By Value
6.3.3.2. Market Share & Forecast
6.3.3.2.1. By Component
6.3.3.2.2. By Deployment
6.3.3.2.3. By End-User
7. EUROPE RISK ANALYTICS MARKET OUTLOOK
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Component
7.2.2. By Deployment
7.2.3. By End-User
7.2.4. By Country
7.3. Europe: Country Analysis
7.3.1. Germany Risk Analytics Market Outlook
7.3.1.1. Market Size & Forecast
7.3.1.1.1. By Value
7.3.1.2. Market Share & Forecast
7.3.1.2.1. By Component
7.3.1.2.2. By Deployment
7.3.1.2.3. By End-User
7.3.2. France Risk Analytics Market Outlook
7.3.2.1. Market Size & Forecast
7.3.2.1.1. By Value
7.3.2.2. Market Share & Forecast
7.3.2.2.1. By Component
7.3.2.2.2. By Deployment
7.3.2.2.3. By End-User
7.3.3. United Kingdom Risk Analytics Market Outlook
7.3.3.1. Market Size & Forecast
7.3.3.1.1. By Value
7.3.3.2. Market Share & Forecast
7.3.3.2.1. By Component
7.3.3.2.2. By Deployment
7.3.3.2.3. By End-User
7.3.4. Italy Risk Analytics Market Outlook
7.3.4.1. Market Size & Forecast
7.3.4.1.1. By Value
7.3.4.2. Market Share & Forecast
7.3.4.2.1. By Component
7.3.4.2.2. By Deployment
7.3.4.2.3. By End-User
7.3.5. Spain Risk Analytics Market Outlook
7.3.5.1. Market Size & Forecast
7.3.5.1.1. By Value
7.3.5.2. Market Share & Forecast
7.3.5.2.1. By Component
7.3.5.2.2. By Deployment
7.3.5.2.3. By End-User
8. ASIA PACIFIC RISK ANALYTICS MARKET OUTLOOK
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Component
8.2.2. By Deployment
8.2.3. By End-User
8.2.4. By Country
8.3. Asia Pacific: Country Analysis
8.3.1. China Risk Analytics Market Outlook
8.3.1.1. Market Size & Forecast
8.3.1.1.1. By Value
8.3.1.2. Market Share & Forecast
8.3.1.2.1. By Component
8.3.1.2.2. By Deployment
8.3.1.2.3. By End-User
8.3.2. India Risk Analytics Market Outlook
8.3.2.1. Market Size & Forecast
8.3.2.1.1. By Value
8.3.2.2. Market Share & Forecast
8.3.2.2.1. By Component
8.3.2.2.2. By Deployment
8.3.2.2.3. By End-User
8.3.3. Japan Risk Analytics Market Outlook
8.3.3.1. Market Size & Forecast
8.3.3.1.1. By Value
8.3.3.2. Market Share & Forecast
8.3.3.2.1. By Component
8.3.3.2.2. By Deployment
8.3.3.2.3. By End-User
8.3.4. South Korea Risk Analytics Market Outlook
8.3.4.1. Market Size & Forecast
8.3.4.1.1. By Value
8.3.4.2. Market Share & Forecast
8.3.4.2.1. By Component
8.3.4.2.2. By Deployment
8.3.4.2.3. By End-User
8.3.5. Australia Risk Analytics Market Outlook
8.3.5.1. Market Size & Forecast
8.3.5.1.1. By Value
8.3.5.2. Market Share & Forecast
8.3.5.2.1. By Component
8.3.5.2.2. By Deployment
8.3.5.2.3. By End-User
9. MIDDLE EAST & AFRICA RISK ANALYTICS MARKET OUTLOOK
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Component
9.2.2. By Deployment
9.2.3. By End-User
9.2.4. By Country
9.3. Middle East & Africa: Country Analysis
9.3.1. Saudi Arabia Risk Analytics Market Outlook
9.3.1.1. Market Size & Forecast
9.3.1.1.1. By Value
9.3.1.2. Market Share & Forecast
9.3.1.2.1. By Component
9.3.1.2.2. By Deployment
9.3.1.2.3. By End-User
9.3.2. UAE Risk Analytics Market Outlook
9.3.2.1. Market Size & Forecast
9.3.2.1.1. By Value
9.3.2.2. Market Share & Forecast
9.3.2.2.1. By Component
9.3.2.2.2. By Deployment
9.3.2.2.3. By End-User
9.3.3. South Africa Risk Analytics Market Outlook
9.3.3.1. Market Size & Forecast
9.3.3.1.1. By Value
9.3.3.2. Market Share & Forecast
9.3.3.2.1. By Component
9.3.3.2.2. By Deployment
9.3.3.2.3. By End-User
10. SOUTH AMERICA RISK ANALYTICS MARKET OUTLOOK
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Component
10.2.2. By Deployment
10.2.3. By End-User
10.2.4. By Country
10.3. South America: Country Analysis
10.3.1. Brazil Risk Analytics Market Outlook
10.3.1.1. Market Size & Forecast
10.3.1.1.1. By Value
10.3.1.2. Market Share & Forecast
10.3.1.2.1. By Component
10.3.1.2.2. By Deployment
10.3.1.2.3. By End-User
10.3.2. Colombia Risk Analytics Market Outlook
10.3.2.1. Market Size & Forecast
10.3.2.1.1. By Value
10.3.2.2. Market Share & Forecast
10.3.2.2.1. By Component
10.3.2.2.2. By Deployment
10.3.2.2.3. By End-User
10.3.3. Argentina Risk Analytics Market Outlook
10.3.3.1. Market Size & Forecast
10.3.3.1.1. By Value
10.3.3.2. Market Share & Forecast
10.3.3.2.1. By Component
10.3.3.2.2. By Deployment
10.3.3.2.3. By End-User
11. MARKET DYNAMICS
11.1. Drivers
11.2. Challenges
12. MARKET TRENDS & DEVELOPMENTS
12.1. Merger & Acquisition (If Any)
12.2. Product Launches (If Any)
12.3. Recent Developments
13. GLOBAL RISK ANALYTICS MARKET: SWOT ANALYSIS
14. PORTER'S FIVE FORCES ANALYSIS
14.1. Competition in the Industry
14.2. Potential of New Entrants
14.3. Power of Suppliers
14.4. Power of Customers
14.5. Threat of Substitute Products
15. COMPETITIVE LANDSCAPE
15.1. IBM Corporation
15.1.1. Business Overview
15.1.2. Products & Services
15.1.3. Recent Developments
15.1.4. Key Personnel
15.1.5. SWOT Analysis
15.2. Oracle Corporation
15.3. SAP SE
15.4. SAS Institute Inc.
15.5. Moody's Analytics Inc.
15.6. OneSpan Inc.
15.7. Capgemini SE
15.8. Accenture PLC
15.9. Provenir Group
15.10. AxiomSL Ltd.
16. STRATEGIC RECOMMENDATIONS
17. ABOUT US & DISCLAIMER
1.1. Market Definition
1.2. Scope of the Market
1.2.1. Markets Covered
1.2.2. Years Considered for Study
1.2.3. Key Market Segmentations
2. RESEARCH METHODOLOGY
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. EXECUTIVE SUMMARY
3.1. Overview of the Market
3.2. Overview of Key Market Segmentations
3.3. Overview of Key Market Players
3.4. Overview of Key Regions/Countries
3.5. Overview of Market Drivers, Challenges, Trends
4. VOICE OF CUSTOMER
5. GLOBAL RISK ANALYTICS MARKET OUTLOOK
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Component (Solution, Service)
5.2.2. By Deployment (On-premise, Cloud)
5.2.3. By End-User (BFSI, Healthcare, Retail, Manufacturing, Others)
5.2.4. By Region
5.2.5. By Company (2024)
5.3. Market Map
6. NORTH AMERICA RISK ANALYTICS MARKET OUTLOOK
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Component
6.2.2. By Deployment
6.2.3. By End-User
6.2.4. By Country
6.3. North America: Country Analysis
6.3.1. United States Risk Analytics Market Outlook
6.3.1.1. Market Size & Forecast
6.3.1.1.1. By Value
6.3.1.2. Market Share & Forecast
6.3.1.2.1. By Component
6.3.1.2.2. By Deployment
6.3.1.2.3. By End-User
6.3.2. Canada Risk Analytics Market Outlook
6.3.2.1. Market Size & Forecast
6.3.2.1.1. By Value
6.3.2.2. Market Share & Forecast
6.3.2.2.1. By Component
6.3.2.2.2. By Deployment
6.3.2.2.3. By End-User
6.3.3. Mexico Risk Analytics Market Outlook
6.3.3.1. Market Size & Forecast
6.3.3.1.1. By Value
6.3.3.2. Market Share & Forecast
6.3.3.2.1. By Component
6.3.3.2.2. By Deployment
6.3.3.2.3. By End-User
7. EUROPE RISK ANALYTICS MARKET OUTLOOK
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Component
7.2.2. By Deployment
7.2.3. By End-User
7.2.4. By Country
7.3. Europe: Country Analysis
7.3.1. Germany Risk Analytics Market Outlook
7.3.1.1. Market Size & Forecast
7.3.1.1.1. By Value
7.3.1.2. Market Share & Forecast
7.3.1.2.1. By Component
7.3.1.2.2. By Deployment
7.3.1.2.3. By End-User
7.3.2. France Risk Analytics Market Outlook
7.3.2.1. Market Size & Forecast
7.3.2.1.1. By Value
7.3.2.2. Market Share & Forecast
7.3.2.2.1. By Component
7.3.2.2.2. By Deployment
7.3.2.2.3. By End-User
7.3.3. United Kingdom Risk Analytics Market Outlook
7.3.3.1. Market Size & Forecast
7.3.3.1.1. By Value
7.3.3.2. Market Share & Forecast
7.3.3.2.1. By Component
7.3.3.2.2. By Deployment
7.3.3.2.3. By End-User
7.3.4. Italy Risk Analytics Market Outlook
7.3.4.1. Market Size & Forecast
7.3.4.1.1. By Value
7.3.4.2. Market Share & Forecast
7.3.4.2.1. By Component
7.3.4.2.2. By Deployment
7.3.4.2.3. By End-User
7.3.5. Spain Risk Analytics Market Outlook
7.3.5.1. Market Size & Forecast
7.3.5.1.1. By Value
7.3.5.2. Market Share & Forecast
7.3.5.2.1. By Component
7.3.5.2.2. By Deployment
7.3.5.2.3. By End-User
8. ASIA PACIFIC RISK ANALYTICS MARKET OUTLOOK
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Component
8.2.2. By Deployment
8.2.3. By End-User
8.2.4. By Country
8.3. Asia Pacific: Country Analysis
8.3.1. China Risk Analytics Market Outlook
8.3.1.1. Market Size & Forecast
8.3.1.1.1. By Value
8.3.1.2. Market Share & Forecast
8.3.1.2.1. By Component
8.3.1.2.2. By Deployment
8.3.1.2.3. By End-User
8.3.2. India Risk Analytics Market Outlook
8.3.2.1. Market Size & Forecast
8.3.2.1.1. By Value
8.3.2.2. Market Share & Forecast
8.3.2.2.1. By Component
8.3.2.2.2. By Deployment
8.3.2.2.3. By End-User
8.3.3. Japan Risk Analytics Market Outlook
8.3.3.1. Market Size & Forecast
8.3.3.1.1. By Value
8.3.3.2. Market Share & Forecast
8.3.3.2.1. By Component
8.3.3.2.2. By Deployment
8.3.3.2.3. By End-User
8.3.4. South Korea Risk Analytics Market Outlook
8.3.4.1. Market Size & Forecast
8.3.4.1.1. By Value
8.3.4.2. Market Share & Forecast
8.3.4.2.1. By Component
8.3.4.2.2. By Deployment
8.3.4.2.3. By End-User
8.3.5. Australia Risk Analytics Market Outlook
8.3.5.1. Market Size & Forecast
8.3.5.1.1. By Value
8.3.5.2. Market Share & Forecast
8.3.5.2.1. By Component
8.3.5.2.2. By Deployment
8.3.5.2.3. By End-User
9. MIDDLE EAST & AFRICA RISK ANALYTICS MARKET OUTLOOK
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Component
9.2.2. By Deployment
9.2.3. By End-User
9.2.4. By Country
9.3. Middle East & Africa: Country Analysis
9.3.1. Saudi Arabia Risk Analytics Market Outlook
9.3.1.1. Market Size & Forecast
9.3.1.1.1. By Value
9.3.1.2. Market Share & Forecast
9.3.1.2.1. By Component
9.3.1.2.2. By Deployment
9.3.1.2.3. By End-User
9.3.2. UAE Risk Analytics Market Outlook
9.3.2.1. Market Size & Forecast
9.3.2.1.1. By Value
9.3.2.2. Market Share & Forecast
9.3.2.2.1. By Component
9.3.2.2.2. By Deployment
9.3.2.2.3. By End-User
9.3.3. South Africa Risk Analytics Market Outlook
9.3.3.1. Market Size & Forecast
9.3.3.1.1. By Value
9.3.3.2. Market Share & Forecast
9.3.3.2.1. By Component
9.3.3.2.2. By Deployment
9.3.3.2.3. By End-User
10. SOUTH AMERICA RISK ANALYTICS MARKET OUTLOOK
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Component
10.2.2. By Deployment
10.2.3. By End-User
10.2.4. By Country
10.3. South America: Country Analysis
10.3.1. Brazil Risk Analytics Market Outlook
10.3.1.1. Market Size & Forecast
10.3.1.1.1. By Value
10.3.1.2. Market Share & Forecast
10.3.1.2.1. By Component
10.3.1.2.2. By Deployment
10.3.1.2.3. By End-User
10.3.2. Colombia Risk Analytics Market Outlook
10.3.2.1. Market Size & Forecast
10.3.2.1.1. By Value
10.3.2.2. Market Share & Forecast
10.3.2.2.1. By Component
10.3.2.2.2. By Deployment
10.3.2.2.3. By End-User
10.3.3. Argentina Risk Analytics Market Outlook
10.3.3.1. Market Size & Forecast
10.3.3.1.1. By Value
10.3.3.2. Market Share & Forecast
10.3.3.2.1. By Component
10.3.3.2.2. By Deployment
10.3.3.2.3. By End-User
11. MARKET DYNAMICS
11.1. Drivers
11.2. Challenges
12. MARKET TRENDS & DEVELOPMENTS
12.1. Merger & Acquisition (If Any)
12.2. Product Launches (If Any)
12.3. Recent Developments
13. GLOBAL RISK ANALYTICS MARKET: SWOT ANALYSIS
14. PORTER'S FIVE FORCES ANALYSIS
14.1. Competition in the Industry
14.2. Potential of New Entrants
14.3. Power of Suppliers
14.4. Power of Customers
14.5. Threat of Substitute Products
15. COMPETITIVE LANDSCAPE
15.1. IBM Corporation
15.1.1. Business Overview
15.1.2. Products & Services
15.1.3. Recent Developments
15.1.4. Key Personnel
15.1.5. SWOT Analysis
15.2. Oracle Corporation
15.3. SAP SE
15.4. SAS Institute Inc.
15.5. Moody's Analytics Inc.
15.6. OneSpan Inc.
15.7. Capgemini SE
15.8. Accenture PLC
15.9. Provenir Group
15.10. AxiomSL Ltd.
16. STRATEGIC RECOMMENDATIONS
17. ABOUT US & DISCLAIMER