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Thanks for your question. I am a copyright solicitor in the UK and can help you with your question today. The answers to your questions are 1. You could be found liable for publishing a work for which copyright is owned by a third party. 2. Copying a painting other than for educational purposes would be a breach of copyright to sell such a work commercially. See section 16 and 17 of the Copyright Designs and Patents Act 1988. 3. You have the user click a disclaimer. That would have the effect of making them liable to you for any breach. However it would not allow you to avoid liability to a third party claiming a breach. It would simply give you a right of relief to cover any losses suffered by you as a result of their breach. I hope that helps to answer your question. Please leave a positive rating on the star rating system which is usually at the top of your screen. That will allow JustAnswer to credit me for helping you today.