Mary,
You have established some excellent points that I believe possible members should read and agree to before they become members.
The advice about monitoring forums is a one of the best ways there is to control comments and advertisements.
At one time there was a member that made a plea for money so I had them checked out. I had a friend and business partner that lived in the same city and he went by their place to check them out.
As it turned out they had several dogs and cats around their place, and when he knocked on their door to meet them, they did not even answer the door.
Needless to say, I did not answer their plea for money.
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