I heard somewhere that you couldn't get banned from chess.com for saying things inside clubs but I need confirmation because I'm trying to make a club that allows swearing
This is a question chess.com Staff might be better equipped to answer, but the way I understand it, you can still be banned for "serious" things (like something illegal) whether or not in a club, but if the chess.com club is private (not a super famous club), then swearing or other things may be allowed in that club.
The reason swearing is against the tos (and many other rules) is because the site allows anyone 13+ years old and possibly younger if they filled out a parental consent form to use chess.com; swearing may not be appropriate for this age group, so it makes sense chess.com wants to keep the PUBLIC forums family-friendly, but private chess.com clubs probably have more leeway.
I heard somewhere that you couldn't get banned from chess.com for saying things inside clubs but I need confirmation because I'm trying to make a club that allows swearing