4 Answers from Attorneys
A couple of things you might consider are having an attorney write a good agreement and disclaimer (instead of just copying one from another website that doesnt apply to you) and forming a separate entity, and maybe getting business insurance. Let me know if you want help.
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Consider getting some insurance to cover potential liability, and make sure that the advertisers on the site have to do a click-through agreement for EACH ad. The agreement should provide for various warranties and an indemnity.
Your post contains a number of very good questions that are too lengthy and complicated to respond to adequately in this forum. I have experience in these areas and would be pleased to speak with you further. What risk reduction strategies we might consider would be based on specifics about your website design. By way of example, you may want to consider a clause in your user agreement that permits you sole discretion to block abusers or remove postings. Additionally, you may want some language indicating that you do not take responsibility for the content of posts or links going to third party sites.
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A terms or service agreement and disclaimer should be drafted for your particular site for a reasonable fee. Contact me directly.