I heard if you have any explicit content on your OneDrive, it would be.
Not exactly....
Here is the code of conduct for Microsoft's services:
3.6. What type of Content or actions aren't permitted? In order to protect our customers and the Services, we have established this Code of Conduct governing the use of the Services. Content or actions that violate this Agreement aren't permitted.
i. Don't use the Services to do anything illegal.
ii. Don't engage in any activity that exploits, harms, or threatens to harm children.
iii. Don't send spam or use your account to help others send spam. Spam is unsolicited bulk email, postings or instant messages.
iv. Don't publicly display inappropriate images (e.g. nudity, bestiality, pornography).
v. Don't engage in activity that is false or misleading (e.g. attempts to ask for money under false pretenses, impersonating someone else).
vi. Don't engage in activity that is harmful to the Services or others (e.g. viruses, stalking, hate speech, advocating violence against others).
vii. Don't infringe upon the rights of others (e.g. unauthorized sharing of copyrighted music, resale or other distribution of Bing maps, photographs and other Content).
viii. Don't engage in activity that violates the privacy of others.
In many cases Microsoft is alerted to violations of the Code of Conduct through customer complaints, but we also deploy automated technologies to detect child pornography or abusive behavior that might harm the system, our customers, or others. When investigating these matters, Microsoft or its agents will review Content in order to resolve the issue. This is in addition to the uses we describe in this Agreement and the Privacy Statements.
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As you can see, they explicitly say under iv that you can't "PUBLICALLY display inappropriate images", meaning that Kate Upton can take as many scandalous pictures as she wants (only as an example.... Unfortunately) and upload them to OneDrive, but she can't share them publically.