[Corriewf]

Originally Posted by yinyang

but does that keep you free from actual liability? the US is highly litigious and we all know that any and all disclaimers can be thwarted in a court of law. i know there's no absolute answer, but there can be some layers of protection.

corriewf, i think your example is an excellent first layer of protection, because of which, I will definitely put a disclaimer on.

but is there a second or third layer? perhaps something, like a phrase that's similar to a more lengthy disclaimer, that appears on every page?

At some point it becomes redundant and discourages your members. They have to hit the box saying that they have read the rules when they register. That and maybe a sticky somewhere is all you need.