Terms & Conditions
Z2P ("Mobile App" or “App” or "we" or "our") a trade name owned and managed by Zaitech Technologies Private Limited (formerly, Shujat Technologies Private Limited) is a mobile app that provides a platform to bring together people who are willing to borrow and people who are willing to lend together. Z2P is an attempt to build a close community that would share its resources with each other in all honesty and promote togetherness and growth of the community at an individual level and of the community as a whole. Z2P’s endeavor is that an individual may come forward to support another individual in need. A visitor to the app could browse and search for people who are willing to lend, people who are willing to borrow, details of service providers such as verification agencies, collection agents and other such service providers that would provide services to either lenders or to borrowers. Z2P shall merely facilitate a transaction of borrowing and lending between two such people. Z2P neither lends nor borrows through this app. Z2P is neither a financial institution, nor runs a collective investment scheme or a chit fund or any other such financial scheme.
APP: App means Z2P which is owned and managed by Zaitech Technologies Private Limited.
YOU/YOUR:You/Your shall mean natural or legal person who is at least 21 years of age and could legally enter into a contract in India and could use the services and products provided on Z2P in accordance with the terms and conditions recorded hereinafter and has agreed to become a paid member of this App and whose membership fee is in arrears and those whose membership fees is not in arrears.
Acceptance of Terms and Conditions
Every effort has been made to ensure, that the information contained on the App & App is correct, however Z2P makes no warranty as the accuracy, comprehensiveness, or correctness of any Service(s) or a Product(s) on the App, and provides all Service(s) and Product(s) on an "as is" basis. By using this App, you ("you" or the "End User") agree to these terms and conditions ("Terms and Conditions" or "T&C" or "Terms") that we have provided. If you do not wish to agree to these Terms and Conditions, please refrain from using this App.
The Service(s) or a Product(s) and information displayed on the App is an "invitation to offer" to the End User. Your order for purchase of either Service(s) or Product(s) constitutes your "offer" which shall be subject to the terms and conditions as listed below. Z2P reserves the right to accept or reject your offer. If you have supplied us with your valid email address, we will notify you by email as soon as possible to confirm receipt of your instruction and email you again to confirm details and therefore process the instruction accordingly for provision of Services(s) or Products(s). Our acceptance of your instructions for either rendition of services or provision of any product will take place upon rendition of Service(s) or dispatch of the Product(s) ordered. No act or omission of Z2P prior to the actual dispatch of the Product(s) or rendition of services ordered will constitute acceptance of your offer. Similarly, no act or omission of Z2P prior to the actual rendition of services shall constitute acceptance of your offer.
By placing an order, you make an offer to us to purchase Service(s) or Product(s) you have selected based on the Terms and Conditions stated below.
You are required to create an account in order to purchase any Services or a Product from our App. This is required so we can provide you with easy access to print your orders, view your past purchases, and modify your preferences.
If you have any questions about these Terms and Conditions, please contact Z2P on email@example.com
To read the complete Z2P Terms and Conditions, please see below.
1. ACCEPTANCE OF TERMS AND CONDITIONS
2. Description of Products & Services
In the App, Z2P provides End Users with access to lenders, borrowers, service providers to borrowers, partners who facilitate lending and credit reports for lenders and borrowers.
Upon your clicking "yes" in the options menu we shall be entitled to send you regular updates via email/ sms/ phone call or any other means regarding our Services and Product offerings.
These terms and conditions that apply to the user of this App. By using this App (other than to read this T&C for the first time), user agrees to comply with all of the terms and conditions hereof. The right to use this App is personal to the user and is not transferable to any other person or entity. User shall be responsible for protecting the confidentiality of User's password(s), if any. User acknowledges that, although the internet is often a secure environment, sometimes there are interruptions in service or events that are beyond the control of Z2P, and Z2P shall not be responsible for any data lost while transmitting information on the internet. While it is Z2P’s objective is to make the App accessible 24 hours per day, 7 days per week, the App may be unavailable from time to time for any reason including, without limitation, routine maintenance. You understand and acknowledge that due to circumstances both within and outside of the control of Z2P, access to the App may be interrupted, suspended or terminated from time to time. Z2P shall have the right at any time to change or discontinue any aspect or feature of Z2P, including, but not limited to, content, hours of availability and equipment needed for access or use. Further, Z2P may discontinue disseminating any portion of information or category of information, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics.
4. Modified Terms
5. License and App Access
Z2P grants you a limited license to access and make personal use of the App. This license does not include any downloading or copying of account information for the benefit of another vendor or any other third party; caching, unauthorized hypertext links to the App and the framing of any Content available through the App, uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Z2P’s sole discretion) an unreasonable or disproportionately large load on Z2P’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Z2P to prevent or restrict access to the App. Any unauthorized use by you shall terminate the permission or license granted to you by Z2P. By using this App and by accepting to agree to these terms and conditions you also agree that you shall not hack or otherwise hire some third party to hack the app or use any other unauthorized means without a written consent of Z2P and access any third party information. You shall in such an event be liable of a criminal offence and Z2P shall institute appropriate legal proceedings to claim damages. Z2P also reserve rights to institute proceedings in accordance with the law relating to intellectual property rights violation or infringement available to it in case the misuse of this app is a person or an entity that belongs to out of India. In any event, the jurisdiction to institute any protective proceedings shall vest with the Z2P within the jurisdiction of Telangana State.
6. Z2P Usage Eligibility
Users may not have more than one active account. Additionally, Users are prohibited from selling, trading, or otherwise transferring their Z2P account to another party. If you do not qualify, you may not use the Z2P or the App.
7. Your Account
You also agree to provide true, accurate, current and complete information about yourself as prompted by the App's registration form. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Z2P has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Z2P has the right to suspend or terminate your account and refuse any and all current or future use of the App (or any portion thereof). As Z2P is a app that enables borrowers to find lenders and lenders to find borrowers, it considers provisions of wrong information on this web portal willingly an act that would constitute misrepresentation, fraud and cheating. If you use the App, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Z2P immediately of any unauthorized use of your account or any other breach of security. Z2P reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. In the event, Z2P finds that the information shared by the User of the app is incorrect or that the User is in breach of terms or conditions of the app or User is in default of the lenders and borrowers agreement than in such case Z2P may add the name and details of such person in the list of persons who are blacklisted from receiving funds or lending.
By signing up, you also authorize Z2P to use your phone contacts, text messages, email contacts, social profiles for the purpose of credit analyzing and recovery in case a loan is defaulted. Z2P has the right to reach your contacts via call/sms/email/physical in order to know about your whereabouts incase the loan is defaulting or you are not in our communication.
User shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of this App and all charges related thereto. Z2P shall not be liable for any damages to the End User's equipment resulting from the use of this App.
9. End User conduct
This App and any individual apps or merchant-specific, city-specific, or state-specific apps now or hereinafter contained within or otherwise available through external hyperlinks with our App (the "Microapps") are private property. All interactions on this App and/or the Microapps must comply with these Terms and Conditions. Although we welcome and encourage user interaction on our App, we do insist and require that all End Users restrict any and all activity in connection with the use of this App and the Microapps to that which involves lawful purposes only. End User shall not post or transmit through this App any material which violates or infringes in any way upon the rights of others, or any material which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Z2P's express prior, written approval, contains advertising or any solicitation with respect to Products or Services. Any conduct by an End User that in Z2P's exclusive discretion restricts or inhibits any other End User from using or enjoying this App and/or any of the Microapps is strictly prohibited. End User shall NOT use this App or any of the Microapps to advertise or perform any commercial, religious, political or non-commercial solicitation, including, but not limited to, the solicitation of users of this App and/or the Microapps to become users of other on- or offline services directly or indirectly competitive or potentially competitive with Z2P.
The foregoing provisions of this Section apply equally to and are for the benefit of Z2P, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.
Z2P shall have the right, but not the obligation, to monitor the content of the App at all times, including any chat rooms and forums that may hereinafter be included as part of the App, to determine compliance with this Agreement and any operating rules established by Z2P, as well as to satisfy any applicable law, regulation or authorized government request. Without limiting the foregoing, Z2P shall have the right to remove any material that Z2P, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.
11. License Grant
By posting communications on or through this App, User shall be deemed to have granted to Z2P a royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sub-licensees.
12. Personal Information
In order to avail of the Services from the App, you will need to provide your details prior to get enlisted either as a borrower or as a lender. As an account holder you are required to provide Z2P with accurate personal information. Provision of another person’s details as your own will not be deemed acceptable.
14. Cancellation by Z2P
Please note that there may be certain instruction to remit payments or seek rendition of services that Z2P is unable to accept shall be cancel. We reserve the right, at our sole discretion, to refuse or cancel any order for any reason. We may also require additional verifications or information before accepting any instruction or registering you on are portal as a lender or a borrower. The borrower(s) and lender(s) are required to note that negative third party verification report(s) are crucial factors considered during the funding process. The funding may get rejected at any stage due to lack of information or verifiable information.
15. Fraudulent /Declined Transactions
Z2P reserves the right to recover the cost of Service(s) and Product(s), collection charges and lawyers fees from persons using the App fraudulently. Z2P reserves the right to initiate legal proceedings against such persons for fraudulent use of the App and any other unlawful acts or omissions in breach of these terms and conditions.
16. Limitation of Liability
Z2P, its associates and technology partners make no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the App or that the operation of the App will be error free and/or uninterrupted. Consequently, Z2P assumes no liability whatsoever for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the App; and/or any interruption or errors in the operation of the App. You expressly understand and agree that Z2P and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Z2P has been advised of the possibility of such damages), resulting from use of the App, sale and supply of Products content or any related goods and services.
This limitation of liability section shall prevail over any conflicting or inconsistent provision contained in any of the documents comprising this Agreement. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
For any legal cases, only the data recorded for the last 30days will be provided as proof. Z2P will not be liable to provide any proof pertaining to user activity post 30 days period of the action in question.
The User further with immediate effect waive any right which had accrued to him from using the app to initiate any legal action against Z2P. User also acknowledge that the credibility of a lender or a borrower as depicted upon the app is based on the information that is provided to Z2P. In case there is a non-disclosure of information to Z2P of the information, and the judgment of Z2P is impaired and the ratings or credibility of a lender or a borrower is not found to be correct, Z2P shall not be responsible for any claims or liabilities. Z2P in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have exclusive right to initiate proceedings against the defaulter borrower. Z2P do provide the necessary information and support to the lender. However, lender shall not make any claim against Z2P and shall conduct an independent due diligence of the borrower before lending it to him.
You agree to indemnify and hold Z2P (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any claim or demand, including reasonable attorneys’ fees, or arising out of or related to your breach of this T&C, or your violation of any law or the rights of a third party including but not limited to breach of any warranties, representations or undertakings or in relation to the non-fulfillment of any of your obligations under this T&C or arising out of violation of any applicable laws, regulations including but not limited to Intellectual Property Rights, payment of statutory dues and taxes, claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers and infringement of intellectual property or other rights. This clause shall survive the expiry or termination of this T&C.
If any of the Terms shall be deemed void, invalid or unenforceable for any reason, that condition shall be deemed several and shall not affect the enforceability of any remaining provision.
19. Customer Communication
Z2P will communicate with you through any of the mode using email, SMS and telephone or all of them or any other mode. Account holders must provide a valid email address and contact telephone and/ or mobile number to Z2P for this purpose.
Please note, Z2P has the right to contact and message the user even if the user has DND registered number. Also, we have the right to contact and message DND registered numbers in your contacts.
When you use the App or send emails to Z2P, you are communicating with Z2P electronically. You consent to receive communications from Z2P electronically.
From time to time, Z2P will also send you marketing material. If you do not wish to receive such material, you may unsubscribe from our mailing list at any time by using the unsubscribe function in the electronic marketing communication or by contacting firstname.lastname@example.org
You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
20. App-Provided Email and Postings
The App may provide End Users with the ability to send email messages to other End Users and non-End Users and to post messages on the App. Z2P is under no obligation to review any messages; information or content ("Postings") posted on the App by End Users and assumes no responsibility or liability relating to any such Postings.
You understand and agree not to use any functionality provided by the App to post content or initiate communications that contain:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
(ii) Advertisements or solicitations of any kind.
(iii) Impersonate others or provide any kind of false information.
(iv) Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of Z2P purporting to speak on behalf of Z2P or containing confidential information or expressing opinions concerning Z2P.
(vi) Messages that offer unauthorized downloads of any copyrighted or private information.
(viii) Chain letters of any kind.
(ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message.
This prohibition includes but is not limited to:
a) Using Z2p invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact;
b) Using Z2p to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission; and
c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
21. The Opt-out Practice
a)If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any personal information that we have collected about you, you can opt-out anytime by sending an e-mail about your request to email@example.com
b)We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this app. They may collect anonymous information about your visits to our app, and your interaction with our products and services. They may also use information about your visits to this and other apps to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major apps.
The App or third parties may provide links to other World Wide Web apps or resources. Because Z2P has no control over such apps and resources, you acknowledge and agree that Z2P is not responsible for the availability of such external apps or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such apps or resources. You further acknowledge and agree that Z2P shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such app or resource.
23. Access to Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the App is restricted to authorized Users only. Unauthorized individuals attempting to access these areas of the App may be subject to prosecution.
I. You acknowledge that the Z2P is not engaged in either grant of loan or borrowing any money from any member of the app.
II. You acknowledge that the Z2P managing this app and neither Z2P or any of its subsidiary or affiliate has any interest in either grant of loan or in borrowing money from a member registered on the app.
III. You acknowledge that the Z2P is not at all responsible for any claim or damage in case either the person who has agreed to grant loan has not granted loan or the person who has agreed to repay the loan do not repay the loan.
IV. You acknowledge that the Z2P in no manner warrants or guarantees the performance of a service provider that is providing services through the app of Z2P.
V. You acknowledge that the Z2P in no manner warrants and guarantees that the grantor of loan or the recipient of loan has provided all the information on this app which is true and correct including his address, phone numbers etc.
VI. You acknowledge that it is your responsibility to verify the information about the person on the app and Z2P is in no manner liable if the information provided on this app is untrue or incorrect.
VII. You acknowledge that Z2P is in no manner responsible for any claim of money or damages in the event one person fails to either grant loan or a person fails to repay the loan or misrepresents about his financial status or commits a fraud or a cheating or any other such illegal act.
VIII. You acknowledge that you have taken expert advice from a legal consultant or any other expert so required about your status to lend or borrow on the app.
IX. You acknowledge that you are aware of all your rights, duties and applicability of various laws including not limited to Money Lending Act, Income Tax Act, or any other statute, or law, which may govern the lending and borrowing of monies within your State of residence or from where you ordinarily conduct your business.
25.Disclaimer of Warranties
ALL DETAILS OF THE MEMBERS OF THIS Z2P APP AND THEIR FINANCIAL STATUS, INCLUDED IN OR AVAILABLE THROUGH THIS APP ARE PROVIDED FOR USE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, Z2P, ITS SHAREHOLDERS, ITS HOLDING COMPANY, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE INFORMATION OR OTHER MATERIAL WHICH IS PLACED ON THE APP BY ANY PERSON IS CORRECT INCLUDING HIS FINANCIAL STATUS OR CAPABILITY OR HAS NOT APPROACHED THE OTHER USER OF THIS APP WITH A CRIMINAL INTENT TO EITHER CHEAT OR MISAPPROPRIATE OR DENY ANY OTHER USER OF ITS LEGITIMATE CLAIMS. BY UPLOADING ANY CONTENT, REPRESENTATION OR STATEMENT OF YOUR FINANCIAL STATUS OR YOUR PROOF OF RESIDENCE YOU REPRESENT AND WARRANT THAT YOU HAVE THE LAWFUL RIGHT TO REPRODUCE AND DISTRIBUTE SUCH CONTENT AND THAT THE CONTENT COMPLIES WITH ALL LAWS AND IS TRUE AND AUTHENTIC AND IS NOT IN ANY EVENT PLACED ON THE APP TO DEFRAUD OTHER USERS OR CREATE A FALSE IMPRESSION IN THEIR MINDS THAT YOU HAVE A SOUND FINANCIAL STATUS OR ARE REASONABLY COMMITTED TO DELIVER THE REPAYMENTS ON TIME. YOU ALSO REPRESENT THAT YOU HAVE NOT EVER BEEN ACCUSED TO ANY FRAUD, MISREPRESENTATION OR DEFAULT IN REPAYMENT OF ANY CLAIMS OR MONIES TO ANY THIRD PARTY WHETHER A FINANCIAL INSTITUTION OR NOT. YOU ALSO REPRESENT THAT THERE ARE NO OUTSTANDING DISPUTES IN CONNECTION WITH YOUR MORAL TURPITUDE OR FINANCIAL STATUS. YOU HEREBY REPRESENT AND WARRANT TO Z2P THAT YOU ARE LEGALLY COMPETENT TO EXECUTE, BE BOUND BY AND ADHERE TO TERMS AND CONDITIONS OF TERMS AND CONDITIONS OF Z2P. YOUR USE OF THIS APP IS SOLELY AT YOUR RISK. YOU AGREE THAT Z2P SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGES SUFFERED BY YOU IN CONNECTION WITH THIS APP OR ANY CONTENT CONTAINED THEREIN OR ANY DAMAGE SUFFERED IN THE EVENT OF DEFAULT OR MISREPRESENTATION BY ANY OTHER USER OF THS APP.
26. Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL Z2P, ITS SUBSIDIARIES, EMPLOYEES, OFFICERS, AFFILIATES, DIRECTORS, AGENTS, SUPPLIERS, SHAREHOLDERS, NON EXECUTIVE DIRECTORS OR ITS LICENSORS INVOLVED IN CREATING, PRODUCING, TRANSMITTING OR DISTRIBUTING PRODUCTS OR SERVICES ON THIS APP, GRANTING OR RECEIVING LOAN FROM A MEMBER ASSOCIATED WITH THE Z2P APP BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM EITHER MISREPRESENTATION, FRAUD, COERCION, BREACH OF TRUST, MISAPPROPRIATION, CHEATING OR FOR ANY OTHER SUCH REASON OF ITS END USERS OR OF THIRD PARTIES INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS AND LOSS OF GOODWILL OR LOSS OF INTEREST.
In case it comes to your knowledge that any member of this app has committed default or fraud or misrepresents his financial status than you may inform Z2P in writing and upon receipt of such information Z2P shall call upon such third party to explain the allegations made in your Notice and upon receipt of an explanation from such third party Z2P shall in its own discretion decide as to whether such a person should be prohibited from using the app.
28. Applicable Laws:
Your use of this App and any Term and Conditions stated in this policy is subject to laws of India.
Courts of Madhya Pradesh will have exclusive jurisdiction of dealing with all disputes arising from use of this app.
The trademarks, logos and service marks ("Marks") displayed on the App are the property of Z2P and other respective persons. End Users are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or apps on the World Wide Web without the written permission of Z2P or such third party which may own the Marks. All information and content including any software programs available on or through the App ("Content") is protected by copyright. End Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the App for commercial or public purposes.
31. Changes to Terms and Conditions
Z2P reserves the right to change these Terms and Conditions of its Service without informing you. You should check our App for any updated Terms and Conditions.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. From time to time Z2P may offer special promotional offers which may or may not apply to your Z2P account. To avail of such promotional offers, you agree to be bound by any additional terms and conditions for these special offers which are laid down by Z2P. This T&C and the relationship between you and Z2P will be governed by the laws as applicable in India. Any dispute(s) arising out of this T&C will be handled in the competent courts of Delhi, India. The failure of Z2P to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Z2P does not guarantee it will take action against all breaches of this T&C. Except as otherwise, expressly provided in this T&C, there shall be no third-party beneficiaries to this T&C. This T&C constitutes the entire agreement between you and Z2P and governs your use of the App, superseding any prior agreements between you and Z2P with respect to the App.
33. Payment Methods
You can pay Z2P using –payments services deployed by Z2P from time to time. All transactions are processed in INR
34 Z2P holds the complete right to de-activate any lender/borrower on its own accord if the lender/borrower is suspected or found to be from competition engaging or trying to engage in any malicious activity.