>TightVNC
VNC (in any of its variants) is not a VPN
>online banking
Why on earth would I be using a VPN to do online banking? I'd be using a browser. Or are you suggesting that no-one should be using any of the free browsers that are available for Windows - you know, IE, Firefox, Chrome, Opera ... ?
>Windows 7 Professional is meant to be used with Windows Server 2008's VPN in a corporate setting
This is just nonsense. On what do you base this statement? The fact that Windows 7 Pro happens to include the necessary client software out of the box? Heck, it includes Wordpad - so clearly we are meant to use that as our wordprocessor rather than any alternative product.
>it's still not advisable to use freeware security software and expect actual security
There is plenty of freeware security software that has been tested to destruction by the security community. And plenty of paid-for security products that have not.
As for your quoted disclaimer, this is pretty standard, and similar disclaimers exist on well-respected commercial software, eg:
THE SOFTWARE IS PROVIDED "AS IS" AND XxXxxx MAKES NO WARRANTY AS TO ITS USE OR PERFORMANCE. EXCEPT FOR ANY WARRANTY, CONDITION, REPRESENTATION OR TERM THE EXTENT TO WHICH CANNOT BE EXCLUDED OR LIMITED BY APPLICABLE LAW, XxXxxx, ITS SUPPLIERS, AND AUTHORIZED PARTNERS MAKE NO WARRANTY, CONDITION, REPRESENTATION, OR TERM (EXPRESS OR IMPLIED, WHETHER BY STATUTE, COMMON LAW, CUSTOM, USAGE OR OTHERWISE) AS TO ANY MATTER INCLUDING, WITHOUT LIMITATION, NONINFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, SATISFACTORY QUALITY, INTEGRATION, OR FITNESS FOR A PARTICULAR PURPOSE. YOU ASSUME RESPONSIBILITY FOR SELECTING THE SOFTWARE TO ACHIEVE YOUR INTENDED RESULTS, AND FOR THE INSTALLATION OF, USE OF, AND RESULTS OBTAINED FROM THE SOFTWARE. WITHOUT LIMITING THE FOREGOING PROVISIONS, XxXxxx MAKES NO WARRANTY THAT THE SOFTWARE WILL PROTECT AGAINST ALL POSSIBLE THREATS OR BE ERROR-FREE OR FREE FROM INTERRUPTIONS OR OTHER FAILURES OR THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS.