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Yes, underage sexual relations with a minor, even on computer, is a strict liability offense and it soes not matter if the site certifies the model is over 18. The user can still be charged if images of underage girls are on the computer.
Didn't you ask if the user is at risk for criminal charges if the model is not of legal age?
Are you still with me?
The federal law (U.S. Code 18 Section 2422 and Section 2423) requires knowledge. So a certification by the site would likely be protection enough for that.