Chat rules are simple.

If you swear in public, and someone reports you, then you are getting a warning or suspension.
Do it again, the first time counts against you, you'll get a longer suspension.

And so on.

People don't realize that EVERYTHING IS LOGGED.

I can't tell you how many times people have acted shocked that, yes the GMs have records of all the perverted stuff that is said in /tells, /party, and even /say or /em in private apartments/homes/rooms.

Not to say people don't talk a lot. Usually a lot of nonsense, especially in areas like Balmung Ul'dah, or the primary hub areas.

But use common sense. Profanity in public is always an inherent risk. I don't care how many times you get away with it. All it takes is one report for the GMs to come down on you.