inquiry about EA service agreement

I wasn't sure where to ask this; I wanted to contact EA directly, but I couldn't figure out how. so this is about section 5, which reads:

"You are responsible for your UGC. You may not upload UGC that infringes a third party's intellectual property rights or that violates the law, this Agreement or a third party's right of privacy or right of publicity.

EA may, in its sole discretion, remove, edit or disable UGC for any reason, including if EA reasonably determines that UGC violates this Agreement. EA does not assume any responsibility or liability for UGC, for removing it, or not removing it or other Content. EA does not pre-screen all UGC and does not endorse or approve any UGC available on EA Services.

When you contribute UGC, you grant to EA, its licensors and licensees a non-exclusive, perpetual, transferable, worldwide, sublicensable license to use, host, store, reproduce, modify, create derivative works, publicly perform, publicly display or otherwise transmit and communicate 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 also grant all other users who can access and use your UGC on an 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."

UGC is user-generated content, which the sims community calls CC, or custom content. so what I'm getting from this is that EA basically owns all CC, and no one else can claim copyright of it. then to my understanding, it says you may not make money off of CC. finally, when it says, "You also grant all other users who can access and use your UGC on an 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," my understanding is that, if you recolor or modify someone's CC, you're not required to credit them, and you are indeed allowed to upload their content to websites as long as it's free.

if my understanding is correct, it makes sense to me, but I've recently had a problem where an admin on a forum threatened to ban me for spreading "misinformation" and "trolling." it concerns me greatly, because I want to know if I actually AM misunderstanding this. if someone from EA could clarify this for me, I would be very grateful.