Use spaces instead of a mix of tabs

Otherwise an edit could break the table layout unknowingly
Store and show member details for individuals
Store address as well.
Only run the update on page load if it’s not first time

This leaves place holder text in place if someone were to read it before they enter the form.
Extract placeholders from T&Cs into model.

This is a step so that terms can be rendered for attachments or linked to for a member.