QUESTIONS ON NOT GETTING BANNED

your most sure fire way of not getting banned is not cheating in a online game
but if you insist on cheating
1 check reviews on a cheat
2 ALWAYS make sure you use the most up to date version
3 some menus have options that are marked risky dont touch those options
4 in my personal opinion dont use free cheats that edit rank or unlocks as they all will do it the same way
5 a menu may be safe one day and may be detected the next so always check with the dev or dev team that makes it if you are in contact with it`
6 dont grief other players to get your self reported
other than that you should be safe

1. Depends on the menu, some require you start in story mode for it to run better but usually this has nothing to do with chances of a ban.
2. I am almost positive this is a no, to be safe, wouldn't try it.
3. Almost positive there is laws in place to protect this but most people suggest changing the name of any mod or injector you are using to prevent detection so i would say yes they probably read your game files.
4. I think they are just suggesting this to prevent ban issues but i have 2 menus i use to add 8000 rank to a lot of accounts all the time with no issues, your menu specifically might have issues with it.
5. If you truly don't want to be banned, do not under any circumstance give anyone else money, try to keep the ranking and money on the lower end like maybe 100 mil every few days or so, don't mod in a solo session super un safe, do not mod in front of people/troll/drive in modded cars... etc. Just overall be smart with it and don't go overboard.

These are my opinions, they are not completely correct but this is what i think.