hmm...
xivio.com - You make an avatar sort of and there are a bunch of rooms and you get "Vios"(money) and you can make your own rooms, talk to people, etc. and there are "guardians"(mods) who are pretty nice and stuff but if someone says really mean things or is like bad they'll turn off their chat for a little and ban them/temp ban them for more srs. overall thats one of my favs.
fantage.com : similar idea, but for younger kids seems like...
habbo.com: for people a lttle older, but you can go on as 12 but have to lie that you're 13. suggested f shes mature and such...make sure she doesn't give any info but ts not bad or anything just b carefuller on this site.
can't thnk of any more but will come back f i do...