Because the law is always above an agreement. You can't put into a contract "if we kill you, we don't go to prison". I don't know how what the law is in the consumer rights area, but surely there is a degree of regulation there, hence me asking what it is if there is anything.

> Because the law is always above an agreement.

Sure, if there was a law against them, they'd be illegal. But why would there be a law against them?

> You can't put into a contract "if we kill you, we don't go to prison".

You could, but it would have no legal effect unless you represented the government that would be responsible for prosecuting that crime and had the authority to grant immunity for future crimes, but that's not so much a “law is above contract” thing as “contracts don't bind people, including the State, who aren't parties to the. contract” thing.