Tos is only a guideline. State/local laws overide any tos bungie has. Its always been that way. No company can have a contract with anyone if the contract contradicts the local laws. When dealing with minors. The law is very clear on that, If bungie didn't want kids to play. Its on them to figure out a way to stop them. Minors are afforded greater protections under the law. Remember. The law of the land is really what governs a tos agreement.