Regarding the ownership question, I thought some excerpts from the EA/Bioware TOS for comparison would be helpful.
TL;DR - EA says you own your UGC (User Generated Content) from the point of view of liability -- that is, if you post something illegal, only you are accountable, not EA. In every other respect, EA has every right of ownership, without calling it ownership. Including, but not limited to: "remove, block, edit, move or disable UGC for any reason." Furthermore, you grant to EA and its licensors pretty much all of the useful rights with respect to your UGC, including, but not limited to, "distribute", "adapt", "modify" and "create derivative works".
The point being, the TOS roles are very similar between the two services, except that who has which role appears to be reversed. For EA, you own the UGC but you grant the good rights to EA. For Fextralife, Fextralife is the owner but grants the good rights to you.
I don't see much of a difference to users between the two approaches, in practical day-to-day terms, but perhaps I'm missing something?
This raises an interesting question for Fexelea: Since Fextralife takes ownership for protection reasons, does that also mean Fextralife takes ownership for liability? Like if a user posts something that is considered illegal in some jurisdiction, is Fextralife accountable, or the user?
Excerpts:
2. Content
"Content" on EA Services includes software, technology, text, forum posts, chat posts, profiles, widgets, messages, links, emails, music, sound, graphics, pictures, video, code, and all audio visual or other material appearing on or emanating to and/or from EA Services, as well as the design and appearance of our websites. Content includes user-generated Content ("UGC"). UGC includes but is not limited to Account personas, forum posts, profile content and any other Content contributed by users to EA Services. EA Content and UGC collectively shall be referred to as "Content." All Content--with the exception of UGC discussed below in Section 6 and 7--is owned by EA or its affiliates, subsidiaries, licensors or suppliers. You bear the entire risk of the completeness, accuracy and/or usefulness of UGC found on EA Services.
6. Contributing UGC to EA Services
EA does not pre-screen all UGC and does not endorse or approve any UGC that you and other users may contribute to EA Services. You are solely responsible for your UGC and may be held liable for UGC that you post.
EA respects the intellectual property rights of others. You must have the legal right to upload UGC to EA Services. You may not upload or post any UGC on EA Services that infringes the copyright, trademark or other intellectual property rights of a third party nor may you upload UGC that violates the law, this Terms of Service and/or any third party's right of privacy or right of publicity. You may upload only UGC that you are permitted to upload by the owner or by law. EA may, without prior notice to you and in its sole judgment, remove UGC that may infringe the intellectual property or other rights of a third party. If you are a repeat infringer of EA's or a third party's intellectual property or other rights, EA may terminate your Account without notice to you. If your Account(s) is/are terminated under this paragraph, you are not entitled to a refund for any fees you have paid, and you will lose access to Entitlements associated with your Account.
EA reserves the right (but has no obligation except as required by law) to remove, block, edit, move or disable UGC for any reason, including when EA determines that UGC violates these terms. The decision to remove UGC or other Content at any time is in EA's sole and final discretion. To the maximum extent permitted by applicable law, EA does not assume any responsibility or liability for UGC or for removal of, UGC or any failure to or delay in removing, UGC or other Content.
7. UGC License Grant to EA and Others
When you contribute UGC to an EA Service, you expressly grant to EA and its licensors a non-exclusive, perpetual, worldwide, complete, sub-licensable and irrevocable right to quote, re-post, publish, use, adapt, translate, archive, store, reproduce, modify, create derivative works from, syndicate, license, print, sublicense, distribute, transmit, broadcast, and otherwise communicate, and publicly display and perform the UGC, or any portion thereof, in any manner or form and in any medium or forum, whether now known or hereafter devised, without notice, payment or attribution of any kind to you or any third party. You grant EA and its licensors all licenses, consents and clearances to enable EA and its licensors to use such UGC for such purposes. You waive and agree not to assert any moral or similar rights you may have in such UGC.
If the EA Service on which you contribute UGC permits other users to access and use that UGC as part of the EA Service, then you also grant all other users of the relevant EA Service the right to use, copy, modify, display, perform, create derivative works from, and otherwise communicate and distribute your UGC on or through the relevant EA Service without further notice, attribution or compensation to you.