actually here is the updated coding for the chat.php piece. The other one only tells the difference between a mod and others. This piece is if you want a private chat for members only.
<?php
include("./global.php3");
if (!$bbuserinfo[usergroupid]==7 || $bbuserinfo[usergroupid]==6 || $bbuserinfo[usergroupid]==5 || $bbuserinfo[usergroupid]==7) {
eval("dooutput(\"".gettemplate('chatmod')."\");");
} else {
if (!$bbuserinfo[usergroupid]==7 || $bbuserinfo[usergroupid]==2) {
eval("dooutput(\"".gettemplate('chat')."\");");
} else {
eval("dooutput(\"".show_nopermission()."\");");
} // end if
} // end else
?>
again there's a small bug in this one I have yet to fix that required me to put a group in twice, but it works fine for me. Give me a couple more months of learning and I'm sure I'll figure out that bug.