By using this website, you accept the terms of use below as well as the house rules and our privacy policy. If you do not want to be bound by these terms, please do not use this website.

Site access and availability
  • We cannot guarantee that the site will be available at any given time. We reserve the right to close it temporarily or permanently at any time, although we will endeavour to inform users whenever possible.
  • Although we strive to make the site as user friendly as possible, we cannot guarantee that the site will display or work properly on all devices, platforms or browsers. If you experience any problems accessing the site or posting, please post a new topic under site issues and we'll do our best to look into it.
  • We aim to make the site accessible to users who may access it using a screen reader, as well as people with other impediments and disabilities, however, we cannot guarantee everyone will be able to access or use all the features and sections of the site.
  • Certain features or areas of the site may only be available to a limited number of users.
  • We reserve the right to restrict access to some or all of the content on this website in a manner we see fit, at any time, without prior notice.
  • Although we’ll do our best to ensure the site is up and running, we cannot guarantee the availability of this website. You must not rely on this website as your resource for information, help and support.
  • We reserve the right to update or modify these terms and conditions at any time, without prior notice. It is your responsibility as a user of this site, to ensure you have read and agree with, the current terms of use.
  • We reserve the right to remove or limit access to certain parts of the site, or change the usage terms associated with them. We reserve the right to require registration and/or subscription to access some or all of the site areas.

Who is this site for?
  • This site is intended for individuals aged 18 or over, however, public content can be viewed by people of any age. Most of the subjects discussed on this site relate to adults with full legal capacity, however, a few may apply to younger people as well.
  • The content of this site is intended for people living in the United Kingdom, however, public areas can be accessed from any part of the world.
  • Unless otherwise specified, legal content relates to English law and the English courts and tribunals structure.

  • Anyone can register, subject to acceptance of our rules and terms. Registration is free.
  • You will need to provide a valid email address that can be verified to activate your membership of the site.
  • The email address you provide will be used to communicate with you over the life of your membership and it is your responsibility to ensure you keep your profile updated with any changes.
  • We reserve the right to reject registrations or to terminate membership at any time. We will do our best to communicate the reasons but the administrators will not be drawn into arguments.
  • Banned users attempting to re-register will be denied membership.
  • Some features or parts of the site may be restricted to certain members based on various criteria. Membership does not guarantee universal access.
  • We reserve the right to reject known spammers. We are fully aware that no system is perfect, if you think you have been unfairly rejected, please contact us.
  • You are free to choose any available username, provided it's not offensive or misleading. We may need to ask you to change your username in certain circumstances. Usernames containing website URLs or titles such as "moderator" or anything that suggests official status will not be allowed, for example "Citizens Advice" or "Her Majesty's Service", or "Virgin Rep" would not be allowed due to the potential for misunderstanding and confusion.
  • It is up to you to choose a username that will not identify you personally if you wish to preserve your anonymity.
  • It is your responsibility to keep your password safe and not disclose it to anyone. Passwords are encrypted so no-one, including administrators, will be able to see your password.
  • We reserve the right to remove any avatar or profile picture that we regard as inappropriate, misleading, offensive or spammy. Examples of inappropriate avatars would be company logos or text containing website URLs.

  • We shall not be responsible for any loss or damage resulting directly or indirectly, from the use of this site or reliance on its content. It is your responsibility to verify the veracity of any statements you may read on this site and the authenticity of any sources provided.
  • Users are encouraged to seek advice from a qualified professional where necessary.
  • We will do our best to ensure the content posted on this site is accurate, relevant and up-to-date, however, the administrators cannot verify, check or authenticate everything posted.
  • Legislation, regulations and fees tend to change often, we aim to keep our details updated but cannot be responsible for out-of-date content on this site.
  • We do our best to keep the site free of any viruses, spyware, malware, etc, however, we will not be responsible for any loss or damage to your computing equipment, hardware, software or files. It is your responsibility to use suitable protection for your computer (antivirus, firewall, etc.) and to keep your protection software up to date.

Third parties
  • Links to third party sites are provided for reference and/or for your convenience. We have no control over the content, accuracy or availability of any third party site(s).
  • Members sharing their own experiences or recommending products, services or sources of information do so of their own accord and their views and experiences may not be the same as those of Legal Loopholes.
  • We are unable to check or vet every external website linked to from this site.
  • It is your responsibility to assess the content of third party sites for veracity and suitability.

Our Content
  • The site administrators will not be responsible for content submitted to this website by other users and the content posted by members does not necessarily reflect the opinion or views of this site or its administrators.
  • We reserve the right to moderate, edit or remove content, however, we cannot guarantee no inappropriate content will be posted.
  • If you spot anything you are concerned about you should report the post by clicking on the red icon with a cross located on the top right hand corner of every post. We cannot guarantee that any action will be taken, nor will we enter into arguments over content or reported posts.
  • By posting content on this site, you implicitly agree to grant Legal Loopholes, non-exclusive rights to use that content.
  • Anything posted in a public area will be freely available to anyone. Although content posted in restricted areas is not public, we cannot guarantee that any content will remain private.
  • You may edit but not delete your own posts. There will be a time limit during which you can edit your own content. After that time, you will need to ask a moderator or administrator to edit your posts and that will be subject to discretion.
  • If you edit one of your posts after another user has quoted it, your changes will not be reflected on the quoted post.
  • We reserve the right to remove any content we deem inappropriate for whatever reason, without warning, although we will try and notify the user whenever possible. The site administrators will not enter into arguments regarding the removal of content.
  • We reserve the right to close any threads and/or remove them from public view. The site administrators will not enter into arguments regarding the removal or closure of threads.

Intellectual property
  • It is your responsibility to ensure that any content posted on this site does not breach any copyright or intellectual property laws. For example, you may not post any copyrighted material such as software, music, movies or e-books, or links to websites that distribute such content. We reserve the right to remove any content we suspect may be in breach of copyright or intellectual property laws.
  • You must not reproduce any part of this site anywhere else, without express written consent.
  • You must not use any content posted on this site for commercial purposes without express written consent.
  • You may print or download documents provided for your own use but you may not alter or modify the physical or digital copies in any way.
  • You may post references to material contained on this site, on other sites, provided you link to the appropriate part of this site and do not alter the reference or material in any way.
  • You may post links to this site, provided you do not do so in a defamatory way, and that the site(s) you post the link(s) on conform with our overall values and policy. For the avoidance of doubt, this excludes any site that promotes or offers illegal material, obscene or adult content, content that can be construed as racist, sexist, homophobic, or in breach of human rights.

Private messaging
  • You may use the private messaging facility to communicate with other members. You should be aware that private messages can be forwarded to others, including non-members, via private email and other means.
  • Private messages containing inappropriate, obscene, abusive or offensive material, or unsolicited spam, should be reported to the site administrators.
  • Abusing the private messaging facility in any way, for example, to spam, offend or cause distress to other members, may result in the facility being removed and/or access to the site revoked.
  • The content of private messages should remain private, it should not be posted anywhere on the forum without permission from the members involved in the message chain.