Why are all the weird people on my server! xD
Oh well.

I talked to pretty much all of those people mentioned here, the one with the honeybee inn, the guy who talks up any cute lala girl,..
They are actually all nice, fun, normal people, no creepy pedos or whatever. About the inn: I am interested how well it is recreated from FFVII, but I have too much of a hard time to earn 50k just so I can take a look at some inn room for a minute xD

About the OP's question: I don't know for sure, but I feel like I read that it's not allowed somewhere in the rules, even if it's private and consensual, because the game is for anyone 13+ and no one has a way to reliably know how old their counterpart in is in real life.