The legal pages: the levers, the dates, the perimeter
Summary
The document behind /law/. It ranks the available legal levers, with cancellation information not given at the top — it can end the contract and return money for services already supplied, and the evidence needed is a screenshot rather than an opinion — down to the last row, published deliberately: "you did not use it" yields nothing on its own. It names the claim pool's honest tension: it is largest now, before traders are forced to tidy sign-up flows, and it shrinks from spring 2027, which the source calls the product's best year and its least defensible pitch. Every legal page is required to carry an as-at date, a commencement status, source links, and a named owner, because a page describing rights that are not yet in force is actively harmful. The card-issuer lever is flagged as a perimeter question that may cross into regulated claims management, so the instruction is to launch without it and take advice first.
Key concepts
Key ideas
- "The top row is the product" — cancellation-information failures are arithmetic once the evidence exists.
- The distance-selling cancellation regime has been in force since 2014 and is the workhorse; the 2027 regime slipped from autumn 2026 to spring 2027.
- A page describing cooling-off rights without stating they are not yet in force is treated as a leak, not a draft.
- The first brief's framing (law-as-product) is superseded; none of its research is.
On this site
Published as /law/, dated 25 August 2026, with a named owner and the perimeter question stated rather than resolved.