Ann: ResApp Submits CE Mark Technical File, page-340

You're gonna get sued!

HotCopper has moderation to make sure that a) we posters don't say stuff that's going to land us expensively in court, and b) HotCopper doesn't land expensively in court for "publishing" illegal or tortious content.

If you're running a chatroom without those controls you and your chatters are wide open to trouble, and I don't think there's any amount of disclaimers you can decorate yourself with that will protect you.