I don't think so, just playing on the server is enough because it is automatically executed. That's how chat works. You don't actually accept or deny any chat messages. Anyone can say whatever they want. At least this is how I think it is. I may be wrong.
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Depends.
Finally, even if you do have to click:
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inb4 TERA Online botnet
Edit: Guess they're disabling global chat in 4 minutes, for an hour, while they fix it.
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Apparently just running the game can put you at risk, because the in-game chat is vulnerable to HTML-based attacks up to and including external code (read: it can be used to spread malware). Whoops.
Sources:
https://docs.google.com/document/d/1reZz6MGHQg_IFUfX__knCQVkvbDnGv384Afj1E3QU6E/edit
https://forums.enmasse.com/tera/discussion/18877/status-of-potential-chat-vulnerability
If you're playing the game, you might want to not log in until this is sorted.
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