Bad Debt Consolidation enjoys sole control over the copyrights, database rights, and intellectual property rights of content and website. Copying, distributing and circulating content without prior permission from authorities amounts to transgression of rights. On the other hand, borrowers are free to copy or download content. There is no need for obtaining permission for this purpose. Though utmost care has been taken to keep the content up to date, we will not be responsible for any flaws later found. If a borrower sustains any damage through the use of our website, we will not be responsible for it. However, if the borrower can prove that the damages were a result of the negligence of our staff or important information being withheld, then we can be held liable.