Originally Posted by pompousjohn

I have recently realized that when approving sites for processing its the T&C, Privacy policy etc. - the documentation that really gets reviewed the hardest.

So come up with a boilerplate that addresses all the concerns and most of the time you breeze through. User uploaded content, even text is terrifying for 3rd party billers because of potential BRAM violations. Those fines have recently become much more significant.

Just add a big red notice when they submit comments that states comments will be removed and users banned if bla bla bla (illegal, offensive etc.)

Sure there's a lot of sites out there that seem to be getting away with it but they either don't bill or they got their approval first and then started rolling the dice on user contributions. Also, they are probably the reason you are being scrutinized more carefully than in the past.