If any Franchise, Business Associate or any other person availed company services or purchased the services over and above his deposit amount (i.e. using credit from the company) and fails to clear the credit in the next 2 business working days (i.e T + 2), then the person is liable to pay back the credit to the company along with interest charges at the rate of 5% per month. Further, if the person fails to clear the liability with in the period of two days from the date of purchase of the service, ishopholidays.com reserves the right to initiate appropriate civil and criminal proceeding including but not limited to criminal breach of trust, cheating, etc.