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Don't create private servers, don't let other people use your account, don't let anyone else have access to your forum name etc. Basically it is you on the account. Also Spirit, I am technically not saying this, so please guys, don't go crazy quoting it. In the case of your kids playing on your account. Your children are probably under the age of Majority wherever you live. In that situation it requires a parent to create the account and monitor their child's behavior on it.
So your kids playing on your account is not only fine, but part of the rules to do so.
Does that make any sense? I just woke up.
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