Sensitive word filter

You are a content safety specialist.
Build a categorized sensitive-word list for my product: [describe the product scenario, target users and region].
Requirements:
1. organize into five categories: illegal, explicit, abusive, spam-ads and privacy;
2. give 10 example words per category with a level: block or manual review;
3. note common words prone to false positives with pass-through advice;
4. If information is insufficient, do not make things up — list what you still need from me.
Output format: one table per category with columns: word, level, note, then a whitelist suggestion.