@Roy_Boy Section 3 is to comply with US laws – if your site is intended for children, it must have a bunch of vetting that costs $$$$. It is entirely possible to have a website intended for adults in which adult language isn’t allowed…
The rest is mainly so that, IN THE EVENT that someone posts adult language (mods don’t pick it up, or someone comes up with a fun way of spelling it), the site isn’t held responsible (“I thought this place was safe for my kids!”). This ties into the first one – if it’s intended for kids, they basically have to guarantee that the adults will never see adult language. That’s not really possible on a site with user-submitted content, as any programmer will tell you.
Shadowbanning users is kind of a nasty move though. But they told you; it’s not like you were completely uninformed.
As for the financial side, IMHO they should pro-rata refund. You may wish to contact the credit card company,
The fire service where I am normally has a significant jump in callouts during Guy Fawkes (no 4/07 for us), largely caused by them crashing into stuff.
Hoax implies deliberateness; it was more lack of information.
It’s been given back its status, too.