Disclaimer

First published in India in 2015 by:
Shruthikkaa Media World and Ramesh S Arunachalam

Copyright © 2015 Ramesh S Arunachalam

Print Book Indian Edition ISBN: 9789384439347
Print Book International Edition ISBN: 9789384439378
eBook ISBN: 9789384439361

Ramesh S Arunachalam asserts the moral right to be identified as the author of this work.

Publishing facilitation: AuthorsUpFront

Cover design: PealiDezine

Typeset in Warnock Pro by Ram Das Lal, New Delhi (NCR)

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, without the prior written permission of the AUTHOR, or as expressly permitted by law, or under terms agreed with the appropriate reprographic rights organisations. Enquiries concerning reproduction outside the scope of the above should be sent to the AUTHOR.

Is the book, Where Angels Prey, a work of fiction?
The book, Where Angels Prey, is a work of FICTION loosely inspired by events that took place in the microfinance sector in India and also other parts of the world.

Are any of the characters in the book’s plot real?
The answer is a BIG NO! As noted above, the book, Where Angels Prey, is a work of FICTION. Therefore, the names, characters, businesses, many places (other than big cities) and institutions are primarily the product of the author’s imagination. The author does not see any resemblances what-so-ever, to actual persons, living or dead, or actual institutions, in India or elsewhere in the world! A thorough reading of Where Angels Prey will REVEAL that the names, characters, businesses and institutions mentioned therein have NO resemblances what-so-ever, to actual persons, living or dead, or actual institutions or businesses, in India or elsewhere in the world!

Can Where Angels Prey be construed as the direct representation and/or depiction of any particular individual/institution?
As CLEARLY and EXPLICITLY noted above, as noted in the book (all versions) and also as noted in the disclaimer below, Where Angels Prey is a work of FICTION loosely inspired by events that took place in the microfinance sector in India and also other parts of the world. It is NOT a direct representation and/or depiction of any particular individual/MFI/institution in India or elsewhere, existing or past.
It is further stated that the author’s previous non-fiction books, The Journey of Indian Microfinance and An Idea Which Went Wrong: Commercial Microfinance in India – both of which, have received critical acclaim, are the ones which have any direct references to individuals, MFIs and institutions. These books served to provide an accurate account of the AP crisis. In fact, the major criticisms/exposés (with regard to related party lending and other aspects from the AP 2010 crisis) made in the above books are not even a part of the novel, Where Angels Prey, which is plain simple fiction.

PS: What is said in these FAQs supersede anything else that the author or the publisher or publishing facilitator or any other person connected with the production of this book may have said with regard to the novel, Where Angels Prey.