Change the TOS for the chatrooms to reflect the rules being enforced by your chat moderators. I was banned last night for posting a clothed image of a girl that had breasts. It violated none of the rules listed. If you want to change the enforced rules...that's fine, it's your site, CYA, all that. But if it's "no one that might be under the age of 18, no matter what". It should SAY that in the rules...instead it says no preeteens, and no underage nudes. It does not say no clothed teens. And yet your moderators are apparently enforcing a "no teens" rule.
On a side note, is there any way to find out how long these bogus bans actually last?
