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But how to decide in which cases it is illegal or not?
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It is impossible to make an all encompassing list - it's really a case by case thing.
You shouldn't ask yourself what is illegal - the rule says illegitimate. Most people define illegal by their own country's laws. When we decide if something is off, we try to consider if something is suspicious. E.g. a member has a disk without IFO files. That's suspicious of having rented / loaned the disk. Or, "I have a file" raises eyebrows. Mug Funky has made an excellent point on how to avoid such suspicion.
You can also ask yourself.. does what I do constitute of fair use? If you legitimately acquire the content (and again I know in some countries it's okay to download off P2P.. but for this forum it is not unless we're talking content authorized for uncontrolled distribution..), and want to make your own personal copies - that sounds like fair use and that is okay.