Notably, those are the consumer terms. The commercial terms [1] are much stricter about what Anthropic can do. That's one of the main draws of the Team plans over the individual plans (in addition to a couple dashboards, shared skills, etc). And as you mention, you can go even stricter as an enterprise customer with a zero-data retention agreement.

If Moonshot is using thousands of accounts through some proxy service those are most likely consumer accounts governed by the weaker ToS

1: https://www.anthropic.com/legal/commercial-terms