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Buying gems with real money and selling for gold is real money transfer and the only type that is legal. That is why it isnt usually tied to the term. All other types of RMT are against the terms and participating in any way will get your account suspended. Also know you are dealing with criminals. It is reported very often that dealing with these people end in account theft to steal the stuff back and use your account to do even more harm.

So feel very welcome to use the official gemstore. But stay away from anything else.

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Not only is there a high risk of your account being stolen, but you're also going to be handing credit card information over to criminals. As you may guess, that can lead to Very Bad Things.

Buying gems from ANet is different. Not only are you dealing with the company itself, but the game is built with a system that balances the gem<>gold transfer as part of the game. The more people use it to turn gems into gold, the further the rates shift to favor turning gold into gems. It works in the other direction too.

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As mentioned above, it's legal to buy gems from ANet and convert to gold.But there are 3rd party sites that sell gold/items etc but you don't save much and risk account permanent ban. You might get maybe 15% cheaper prices but if caught (and I hear ANet catches these things within hours of it happening) you lose your account, however many dollars that is worth plus all your progress. So, not worth it.

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