# 04 — The legal pages: the levers, the dates, the perimeter

The first brief's research, given its correct role: **evidence and a floor.** These pages make the site useful to a claimant today — and they are the pages with a known expiry date, which shapes how they must be published.

---

## 1. The levers, ranked — publish the table whole, including the last row

| Lever | Yields | Evidence needed |
|---|---|---|
| **Cancellation information not given** | Cancellation up to **12 months** beyond the normal period, **and nothing owed for services supplied in it** | The sign-up flow *as it was*, the confirmation, the terms served at the time |
| Payments taken after cancellation | Full return | The instruction, its date, the payments after |
| An unfair term | The term does not bind | The terms accepted, and how presented |
| Care-and-skill failure | Repeat performance or price reduction | Records of what went wrong, when |
| Misleading action/omission (UCP, in force Apr 2025) | Enforcement and complaint lever | The flow, screenshots, the omission |
| Card issuer claim | Against the lender too | ⚠️ **perimeter question — launch without it** |
| Chargeback / DD indemnity | Reversal / bank return | Statements, and speed |
| **"You did not use it"** | **Nothing on its own** | Useful as evidence, never as the claim |

*"The top row is the product"* — it ends the contract *and* returns money, it is *"arithmetic once the evidence exists"*, and the evidence is a screenshot rather than an opinion. *"And the last row is the one to put on the website, in those words."*

## 2. The closing window — the honest version of the pitch

The claim pool is **largest now**: traders have not yet been forced to tidy sign-up flows, the reach-back is ~13 months, competitors are few. It shrinks from spring 2027 — and the source names the discomfort squarely: *"the product's best year is also its least defensible pitch."* Publish the window as a fact with its tension, not as urgency marketing. The second act is real: the method transfers to a larger surface with clearer obligations, arriving *"with a year of worked cases while everybody else is reading the guidance."*

## 3. The dating discipline — this domain's special obligation

Every legal page carries: **an as-at date · a commencement status · the source links · a named owner**. The status table itself is content:

| | Status |
|---|---|
| Cooling-off on trial conversion / auto-renewal · renewal reminders · mandatory easy exit | **Not in force. Spring 2027** (slipped from autumn 2026 — written statement, 13 Apr 2026) |
| Unfair commercial practices + direct enforcement (up to 10% global turnover) | **In force since 6 Apr 2025** |
| Distance selling cancellation regime | **In force since 2014 — the workhorse** |

*"A page describing cooling-off rights that does not say 'not in force until spring 2027' is actively harmful"* — and the open question from the source stands: *"who owns the dated legal pages? They expire on a known date and a stale page is worse than none."* This is the memory-network staleness rule at its sharpest: a stale legal page is a false memory that gets a reader corrected by a trader.

## 4. The perimeter

General consumer refunds sit **outside** regulated claims management (the six sectors checked). **The card-issuer lever is the one row that may cross** — it looks like a financial-services claim — so: launch without it, take advice, add later. Two notes carried into that conversation: contingency fees change how the service looks to a regulator regardless of sector, and representative authority must be *captured as evidence*, not assumed.

## 5. What is not retracted, and what is

The first brief's framing (law-as-product) is superseded; **none of its research is.** The site records that correction openly — *"the corpus's value depends on this being said rather than absorbed"* — and the correction itself is a good page: it is the estate's brief-supersedes-brief discipline, demonstrated on the site's own founding documents.

---

This document is released under the Creative Commons Attribution 4.0 International licence (CC BY 4.0).