I'm building a Gumroad-like platform for creators to sell their ebooks, and I've heard horror stories about how entire platforms get torpedoed because 1 bad actor user uploaded illegal/copyrighted material, so Stripe pulls the plug on them and fined them to the heavens.
I've been thinking about how to combat this, and I've come up with 2 solutions:
1. Let users bring their own API keys (meaning I use Stripe Connect and use the "direct charge" model), so I don't get held liable to refunds, chargebacks, etc. My own Stripe is literally for subscription fees, that's it.
2. I haven't looked into it, but maybe there's an API out there, or even some AI bot, that I can use to screen uploaded material to see if they're illegal or copyrighted?
Is there any other solution that I'm missing?
For one thing, everything is copyrighted automatically. A creator uploading a work that they just created is uploading a copyrighted work. What you need to do is to ensure, somehow, that only the owner (or a licensee) of that copyright uploads the work.
And no, there is no service or API or ai bot that can help you. If I write a story tonight, I automatically own the copyright on that story and there is no way for that hypothetical ai bot or API to know about it.
Lawyers learn about this stuff in law school. At minimum, you need to find one of their textbooks and read it. Then you need to hire a lawyer of your own to advise you.