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Can someone recommend a good online service or lawyer that they have worked with (either online or offline) that can help me analyze the relevant legal issues? Perhaps someone who can also help me write user agreements and policies?
I am not sure what your exact circumstances are or the content of your site, but I do know lawyers. Lawyers are much more numerous today than they were even 30 years ago. All that competition has a lot of lawyers willing to take just about any case on the "well if I win this then I will get x dollars and if I lose I am out my time" cases.
My point is that if you have assets and deep pockets at the end of the day it doesn't matter how many lawyers have audited your site some hungry attorney can come along and use some creative interpretation of the law and still sue you. While you can and should follow the idea of an audit you should also spend time figuring how to be "judgment proof" yourself and your business as the saying goes. If you honestly believe you are a target for whatever reason than there is probably a chance you may get named in a lawsuit someday no matter how prudent you are today.
I had an attorney I am doing some work for the other day tell me that trials for civil matters is almost entirely gone today. She told me that attorneys will simply file suits and force you to defend yourself and hope that you will simply pay them off rather than keep fighting because even if you are right the damage to you from simply defending yourself can be cost prohibitive.
Finding ways to not be a target, i.e. not having rich assets ripe for plunder in a court room is probably a good strategy to follow as well.