First off, I did a little test to see what is and is not censored by the game's chat filter, now it will be hard for me to list these due to the forum rules of coarse so I will only mention the one(s) that I can :l.
So lets start off with the chat.
TL;DR of chat change: Stop censoring words that aren't actually offensive and possibly curse words or at least make it an option to not have them censored.
First off, get rid of the censor for the word "gay". all you are doing is making a non-offensive word SEEM offensive, and I know this sounds silly but in a way this is being offensive to homosexuals by implying that word in some way is a bad thing. If you are going to make the word Fraggut (you should be able to guess what word that is meant to be) not even be @#%!ed don't let us still say frag as @#$%!.
Second, add an option NOT to have curse words censored, I for one would prefer to be able to read a word for what it is. I understand that kids do play this game but that is why you automatically have it set to censor curse words until you un-check that box in chat options.
Now for the rule clarification/making suggestion
TL;DR of rule suggestion
Add a list of rules that at some point need to be read by a player then prove they know these rules and what they will be punished with for breaking them.
First off, make an actual rule list that players, at some point, must fill out and complete a test for, this could be either to get the ability to buy and sell CE or simply a haven thing. Either way it needs to happen.
Rules I think need to be on this list :
Do not be a jerk to players, its okay to joke around with friends but don't be rude. punishment : temporary chat disable and microphone use disable.
Don't try to get your self stuck some were so a GM has to save you. punishment : temporary ban on first offense, permanent after second time.
Avoid begging for things, its okay to ask but don't out right stand in the middle of haven and spam "GIVE ME CRUWNS PLEZ!!!!!!!!". Punishment :temporary chat disable and microphone disable
Do not spam chat Punishment :Temporary chat disable and microphone disable.
Do not send false player reports. punishment : Disable player report feature and temporary ban.
Try to have fun! Punishment for failing to do so : Sent to the snipe master room of super fun times and parties until fun is acquired.
Don't spam trade, guild, or friend requests. That is rude and childish. punishment : Disable ability to send trade, guild, or friend requests, temporary first offense, permanent second.
Don't advertise any form of hacking program, it is okay to bring up spiral spy and other okay-ed programs in conversations but don't go claiming you have some master cheat. Punishment :temporary mute if false, if a real hack or game cheat permanent mute if not permanent ban.
Do not impersonate any one in a serious manor, this is especially true for admin or developer impersonation. It is fine as a joke, like pretending to be the current president as a joke, but trying to abuse a name to gain leverage over other players is just wrong. Punishment, force change of name and temporary ban. Return of all items that are known of being stolen using the name as leverage to bully players into giving.
Side note, please add either a more in depth "report player" option or a "some thing else" box to it so we can report these kinds of things.
We've all clicked "I've read the terms and conditions" of any software we installed without actually reading it. Even you did a TL;DR version of your own idea.
Let's face it, no one likes to read looong rules and even if you force them to do a test, they'd forget all about it the next day.