1. These rules prohibit users from posting or transmitting offensive or illegal content or viruses. Your website might allow users to post comments, ratings, reviews, or other “user generated content” (also known as UGC). If so, you do not want to be liable if a user posts something inappropriate, offensive, pornographic, or illegal. As long as your terms have the correct language, you will not be responsible for this.
You also want to reserve the right to remove any problematic user content immediately, without having to seek the user’s permission first, so you can act quickly if you notice inappropriate content. (b)
2. On the flip side, for “good” user content, such as suggested improvements to your site, app or business generally, you want to secure your rights to use any ideas or content submitted by users.
Users might be permitted to submit feedback or ideas to you, either through the site or app itself, or via email, text, or other messaging or customer services. If any of their feedback leads to new business ideas or improvements to your own products or services, you do not want that end user to claim that, since it was “their idea”, they own the rights to it, and/or that you have to share your profits with them.