This may be a contract issue between you and the investor. If there is any misrepresentation/negligence on your part I'd bet the problem is yours. If it was on the part of the applicant, it may still be on you. I'm not sure how far they expect you to go, but they expect to buy what you say it is. And if there is fraud, it isn't that.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell