Participation in the customer referral program is purely voluntary and at the sole discretion of the customers. Such participation shall not be construed as creating any agency, partnership, employment, or contractual relationship between the customer and the Company for the purpose of sourcing or soliciting customers. Customers shall not represent themselves as agents or representatives of the Company and shall not make any commitment, assurance, representation, or communication on behalf of the Company in relation to the sanction, grant, pricing, or any other terms and conditions of the facility.