Speaking in Tongues...

[MissMarple]

Eureka I finally found it !!!! After you log in on the Beta Site go to MEMBER/GUEST SERVICES at the bottom of the page Stella Ruby. There is an option to then manage your account and the chat options are in there with the requisite warning about Open Chat.
For those of you that might have young'uns playing there is an option to create a sub-account that asks for DOB for which I am sure you can use to set up a separate login and different chat options.

So the sequence is:
Go to Beta Home Page https://apps.pirates.go.com/pirates/member/index
Click ACCOUNT at top of page
Enter your password (account name should be there)
Click LOG IN NOW
At the BOTTOM of the page click on Member Guest Services
This brings you to a choice of manage your account ...this is what you want to do..... or Create a sub account
Then choose your chat options.

Good Luck !!!