No, the default is "off", but keep in mind that if a category has NO restrictions at all, then it is globally accessible.
Group chats
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Is there an option to open a chat window for a given group? I created a new group, added a few users to it, now I would like to start a chat with this group - Is this possible? I can only see an option of manually adding different members.
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This is not possible yet, would be a nice enchancement. https://github.com/NodeBB/NodeBB/issues/5777