Personally, i think , no guild has the right to have any info on you from outside the game. But if it's their rules, it's their rules, but, I wouldn't join one like that. As for the money, you don't have to give it back , 'have to' being the words, but for peace of mind, and sanity, I'd give it back to the original toon, then put them on ignore, and get on with the guild , and enjoy the game