You may not use self-bots or user-bots to access Discord.
The API is explicitly for bots, so this pretty clearly bans using said API for accessing user accounts.
Adherence to the "guidelines" is accepted as part of the ToS, "you agree to comply with the restrictions and rules of use set forth in these Terms and our Community Guideline"
Adherence to the "guidelines" is accepted as part of the ToS, "you agree to comply with the restrictions and rules of use set forth in these Terms and our Community Guideline"
[0] https://discord.com/guidelines