I understand.
You are squarely in a fish-in cycle. Have a read through the link in my sig.
Really, you need to get yourself a glass of your favorite beverage, put some nice music on in the background, and have a read through the
Beginners Resource Center. I could give you all this information, but no sense redoing what's already there.
To directly answer your questions though:
Biofilter - bacteria colony which "eats" ammonia and converts it to nitrite, another colony will "eat" the nitrite and convert it to nitrate. Generally, this colony lives in the filter for your tank in the media - floss, sponge, etc. This needs RINSING regularly to keep the water flowing, but needs to be replaced very INFREQUENTLY, once a year or so, even less. Some elements of the filter NEVER need to be replaced, as long as it is still intact.
1 - ammonia poisoning ultimately will be avoided once the biofilter is "cycled" (definition in the BRC). In the short term, water changes are the only way to be sure to keep the ammonia levels tolerable - that means large daily water changes to keep the ammonia levels at the trace levels.
2 - nitrate can really only be removed from the tank by regular maintenance water changes. Different folks have different routines. More populated tanks need a more rigorous schedule, either more frequent, or more sizable water changes.
3 - Dechlorinating is easy. Purchase a dechlorinating product like PRIME or STRESS COAT. These are easy to find in your local pet store. Just ask someone if you aren't sure. Prime is my preference because of its concentration - a little goes a long way - and it detoxifies ammonia to help protect your fish as well. It won't really affect your "cycle" either. It will just make life a little better for the fish. Stress Coat also detoxifies ammonia.
You are going to need to invest in 3 things immediately:
1 - a quality test kit for ammonia and nitrite. API sells a combo that includes pH, high pH, ammonia, nitrite and nitrate. The nitrate test is a bit troublesome, but it doesn't really matter... focus on ammonia and nitrite, and things will be fine. Then keep your water changes up.
2 - a quality dechlorinator. Like I said Prime is my preferred option. It may seem more expensive, but in the long run it isn't. On the contrary, its cheaper overall.
3 - Immediately, you need to buy a filter. The biofiltration will need somewhere to grow and the amount on the other surfaces in the tank is negligible compared to the filter. The filter has a high turn over rate of water moving through it, so the ammonia can't build up in different corners of the tank as stagnant water builds up. This is a necessity. Only fish that breathe some air regularly, like betas can get away with no filter, and even then, I still think that a filter (low flow rate) would be best for them.