Hi! As you said, it is against the Terms of Service to use *ternate account to benefit a main account. Also, the sharing, giving, or buying of accounts is not recommended, supported or condoned. Highly recommend to be careful of your personal and private information on the internet.
Regarding plunder, it is a feature of the game that allows players to be rewarded for plundering. With convoy, there is a support system where players can wait for their group members to support them before going out. Although support does not always guarantee success, it does help in alleviating some attempts. It has also been recommended in the past to plan how you convoy and do it at times most advantageous for you.
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