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Moody’s provides credit ratings, research, data, analytics, and workflow tools for organizations operating in complex financial and business environments. Its services help business and financial leaders assess creditworthiness, understand risk, and support decisions related to borrowing, lending, compliance, and other operations. Moody’s business includes ratings, research and insights, data products, and cloud-based decision solutions for banking, insurance, and identity workflows. Ratings express opinions about relative credit risk and are not guarantees of repayment or investment performance. Product access, methodologies, and terms depend on the service and client agreement.