Incorrect.
You may be the OP, but unless you can prove you were the photographer and have a verifiable model release, it is immaterial.
As you are not to my knowledge recognized world wide as the authority on legal issues as pertaining to this subject and are not in the legal position to accept responsibility for the material you posted, what you claim to have been informed of is meaningless.
However, thank you for acknowledging that THE ONLY emphasis on what is acceptable is the websites Rules. As representative of the website, I have determined the picture to be inappropriate.
While there may not be nudity involved in the particular image, there is nudity and sexual content within the rest of the website. We see no reason to give an overzealous government agency cause to possibly subject the website to expensive, drawn out litigation.
Thank you for your understanding and cooperation.