Question about 'In Game Loans'

Not sure if this is the correct place to post this, but i have a question.

say i wanted to role play as a 'in game bank', and 'loan' people money for a flat interest rate say i loan them 100g +7.5% flat interest.

and i state VERY VERY clearly to rates/rules/terms & Conditions/repayments required.

where would i stand if they didn't pay the gold back?

and they type 'i agree' to all of the above.