If that were the case I don't think they would state it in prohibitive terms like we are seeing. Instead it would just be a liability clause in the T&C. See f

If that were the case I don't think they would state it in prohibitive terms like we are seeing. Instead it would just be a liability clause in the T&C. See for example RBS clause #9: we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties http://www.rbs.co.uk/global/f/legal-info.ashx http://www.rbs.co.uk/global/f/legal-info.ashx