It's a widespread MMO made up entirely of user- made games. Most are trash, but there are a few that are nice.
To the OP- Yeah, the mods suck. If you violated the terms of service, you're screwed. If anyone that was in a game violated a term of service, then you're probably in trouble. If you try to report someone for a violation, well, there's orpbably a 99.9 percent chance that your request will be ignored. Just cause you paid money doesn't mean you can't be banned.