Is it ethical to use another's DDI account?

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A group of players here on campus are haivng fun with the game, and some have the account and are willing to let others use them to build more optimized characters.

My question is whether that's ethical. I know if that one person provided his username/PW to the whole world, business-wise it'd collapse. Is there anything in the Terms of Use that prohibits another from using the account with permission?
You can find the EULA here

Yan
Montréal, Canada
@Plaguescarred on twitter