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RateLimit Error is when the specified API key doesn’t have enough credits or makes too many calls that in a specific time period. You can solve this by adding your credit card details Billing overview page to use your API key. Note: Adding the card detail will cost you based on the requests you send. Even if you use it extensively (say 100 requests a day) it wouldn’t cost more than 4 USD.

You can create your API key in the OpenAI dashboard. Or, you can watch this random video tutorial for step-by-step instructions.

Yes, it is safe. The API key isn't even stored locally in the browser.

Yes, this is due to Apple's default settings. To make it work, in Settings, search for “Prevent Cross-Site Tracking” and turn it off.