When we establish usage terms, we must consider the consequence and adopt the most appropriate wordings. Similar to other system settings, do not take default even for logon banner.
In the past, there was incident threat actor penetrated into FTP server but caught. There is no legal ground to indicate this is unauthorized activity because the FTP server gives “Welcome to xxx FTP server, …” upon logon. There is no explicit wording of unauthorized usage will be prosecuted. So, there is the need to have holistic review what are default settings come with the software or application, review and revise accordingly.