A. All contract members have to approve any changes. We plan on automating the process to change terms. Today there are two ways to manage the process. You can start a new loan and cancel the old loan. Or you can contact Zimple and have all parties to the agreement provide written authorization to make changes to the loan. There is a loan modification fee that is charged to self administer or to have Zimple make the changes on your behalf. If you have specific requirements, contact us at members@zimplemoney.com.