Unfortunately when it comes to copyright, I'm sure all sites have their policies against posting copyrighted photos, it's just rare that someone would actually report someone of copyright violation.
So be it geocities or photobucket, etc., if someone accuses you to the webmaster, they'll shut you down unfortunately.
You might find it interesting to know that if you have pictures of people that you have met on your website, you are suppose to get those people to sign a 'Release Form' allowing you to post a picture of them. That's part of the legal mumbo-jumbo of the Internet. But it's rare any one goes through that bother.
There would be no fan based websites if every fan was accused of copyright violation for posting pictures on whatever they are a fan of, be it the Muppets, Jennifer Love Hewitt or Monster Trucks, etc.