Originally Posted by FlexxAeon

you may be (big maybe) exempt from the feds for record keeping, but not visa. they can deny whoever they want as its their system.

your site might be considered a 'grey area' by you or others for a few reasons (user submitted, non-nude, etc). but visa doesn't play that game. they'll just shut you down if they're not 100% sure. many sites like yours do not charge people to view for that exact reason.

i used to help run a site that was all user submitted content, and processed via epoch. everyone who submitted a gallery or video, we made them send in documentation before they could post. and then, all galleries & videos were reviewed & approved by hand. we had to reassure epoch several times over that this was the process and that it would always be the process, no exceptions, before they, and eventually visa, approved it. and i'm sure visa was watching it like a hawk.

you can probably resubmit again after some adjustments are made. but aside from visa issues there's gotta be some other legal pitfalls with charging membership for user submitted vids. you might wanna switch back to ads