When adding a request, contact can select a product not associated with his Account

When adding a request, contact can select a product not associated with his Account

I am testing Zoho Support as my company is looking for a new ticketing system.  I have set up a couple of accounts, contacts and products.  I associated a couple of products with certain accounts.  I have not associated contacts with products as is seems as though the contact should inherit the account's associated products.  However this does not seem to be the case.  A contact is able to chose a product that is not associated with his account.  Am I missing something?