Mat_F,
I have a statistic for you. When I did business online for close to 10 years, I was always baffled when potential clients asked me questions which were clearly addressed in the Terms of Service. I figured everybody was like me, that is, a person who reads the ToS before deciding to do business with a company. Unlike some competitors, my ToS were not hidden away, or in fine print. I eventually came across an article in a reputable business magazine that only 3% of customers read the ToS before becoming paying customers. Upon reading that, I redesigned my web site so that it was impossible to submit a purchase order without first agreeing that one had read the ToS. It came in handy when a new customer purchased hundreds of dollars of services from me, only to claim a charge back. I googled the individual, who was American, and found that he had been convicted of identity theft, and had spent time in prison. Paypal submitted my paperwork to his CC company, including his agreement that he had read the ToS. Since he failed to follow them even to the slightest degree, he lost his claim.
The moral of the story here is: Please post an explicit warning about posting personal identifiers at the "door" to the community. Why? Because very few read the KB articles.
