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A comment on Ask HN: How do I prevent my users from uploading copyrighted material?.
IANAL, but refunds & chargebacks are not your biggest concerns:
* providing a download service for copyrighted files you don't have a license for
* showing names & descriptions of trademarked products without the permission of the trademark holder
* even HAVING the really illegal stuff on your servers
Even merely listing them on my site is a huge liability.
And I'd be in deep trouble if someone uploaded child porn or something.
IANAL, but refunds & chargebacks are not your biggest concerns:
* providing a download service for copyrighted files you don't have a license for
* showing names & descriptions of trademarked products without the permission of the trademark holder
* even HAVING the really illegal stuff on your servers