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Open Ai’s usage policies go against some of the scenarios that you provide (Adult content, Erotic chat and Content meant to arouse sexual excitement, such as the description of sexual activity, or that promotes sexual services (excluding sex education and wellness).

Will my account be ok to play this if I use one of these scenarios?

(+1)

So far so good. I haven't had ban reports from other users or myself.

API usage seems to be less restrictive than ChatGPT or the Playground.

However, use it at your own risk!