Well I still see it as rather questionable behavior since you've got other people out there doing the work to gain the money and you aren't sharing it with them. Yes they do gain some of the guild perks, but you are intentionally keeping them from access to one of your guild perks. It's a gray area, some people would argue it's a good business plan, others would argue that it's not how you should treat your "friends", both have a point. Still and all assuming you can actually get that many people into your guilds without misleading anyone (don't pretend you're going to be sharing with them and then not do it etc) more power to you, and no it would not violate the terms of use UNLESS you lie about it (and even then I have my doubts).