Everyone should be familiar with Chess.com Community Policies and TOS
https://www.chess.com/community
https://www.chess.com/agreement
What sometimes causes confusion is whether these apply to just the public areas at chess.com or also private clubs and private messages/private chat.
I believe TOS and the Community Policies refer to the public areas of chess.com and do not govern private clubs.
For example:
1) The "Chess.com Community Policies" has "Do not publicly debate religious or political topics" which some private clubs allow (think of some of the discussion clubs).
2) TOS has "post any comments, text, messages, or links in the forums or any public comments that contain any advertisements of any kind, including religious, political, or recruiting messages for Chess.com groups, clubs, blogs, or any other content on or off of Chess.com" while some clubs allow for club recruiting messages and club and/or match advertisements.
3) The Community Policies has "Be kind, helpful, and forgiving" and TOS has no "harassing, defamatory" post. In my experience from reporting, chess.com staff sets a much higher bar for such posts in private clubs versus public areas.4) TOS has "invasive of another's privacy". In my experience, any quote or screenshot from a private message or private chat that identifies the sender and put him in a negative light would be deleted by staff in the public areas but rarely in private clubs.
5) TOS prohibits "vulgar, obscene, sexually explicit" but some private clubs allow some of such content. Think of Playboy Warrior which I believe allows for partial (or whole?) nudity which is not allowed for pubic avatars or in public forums.
https://www.chess.com/club/playboy-chess-warriors
6) TOS prohibits "objectionable" posts. The private clubs are free (within certain limits) to set their own rules for what is allowed or not.
7) TOS prohibits "post any comments, text, messages, or links in the forums or any public comments that is off topic or irrelevant to the purpose and content of the original content, game, article, blog, or forum topic;". Private clubs are free to make their own rules and some of the Free Speech discussion clubs have no rules against spam.
In conclusion, the TOS refers several times to "the [public] forums or any public comments". My understanding is the TOS and "Chess.com Community Policies" govern all the public areas of chess.com.
That said, there is a smaller set of site-wide rules which govern all content on chess.com including private clubs and private messages and chat. These include a prohibition of sexual harassment, extreme personal harassment, clear racism (including the use of the N-word and other racial slurs).