Business and Dealings

Copyright for images

Q: I am editing a kitaab where I have placed different titles in arabic (Alayhis salaam, Radi-Allahu-Anhu etc.) after the names of the Sahaabah, Prophets and Angels etc. Most of them came standard with the software I use however it was missing one which was Radi-Allahu-Anhaa, to be used after A'isha. I found a suitable arabic image for it online but I would like to know should I ask the owner of the documents permission before using this image ? I'm not taking any information from the document itself just the arabic title itself as it is difficult to find a nice image otherwise.

Courier company providing insurance for lost or damaged parcels as part of their service

Q: A person shipped an item with a courier, only paying for the courier service without any additional insurance fees. The courier company does however provide insurance for lost or damaged parcels as part of their service.

A parcel was lost and the courier company offered to pay out the value of the item, subject to one filling out a claim form. Will it be permissible to make this claim and recieve the payment of the value of the lost item?

Making taubah for taking an interest loan

Q: If a person, who in ignorance, took out an interest loan, thereafter realized his sin, made sincere taubah and made a promise to Allah never to take such loans again. However he still has the debt/loan to pay off and he doesn't have the full amount to settle it. Now going forward, does he still fall under the curse of Nabi (salallahu alayhi wa sallam), as he still has to pay off the loan and he will still be paying interest? Please advise whats the way to correct the situation.