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I checked, it is in their Terms of Use http://www.smugmug.com/aboutus/terms

  A. General Terms
  13. User Content
a. User Content that is... obscene, pornographic, indecent, lewd, sexually suggestive... including without limitation Photos, Videos or other User Content containing nudity that would be unacceptable in a public museum where minors visit


nudity that would be unacceptable in a public museum where minors visit

That has got be one of the most stupid 'clarifications' I've ever seen in an EULA. Have these people ever been to a museum? Think of just about any act or scene that is "obscene, pornographic, indecent, lewd, sexually suggestive" and I can guarantee you I can find a photo, painting or sculpture depicting more or less just that hanging proudly on display in some "public museum where minors visit".




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