Players playing under their own affiliate account I don’t think is a big deal. If it violates your terms and conditions then simply tell that person what they are doing is not allowed. I have had some players player under their own affiliate account and for small players it’s not worth my time to do anything about. I only really get involved when the player is a bonus hunter and is maximizing their value OUT of the casino, that is when I step in and do something about it but usually making the player not bonus eligible.
On another note I have seen many examples of affiliate / player and fraud teams where it is clear what those players are doing. I won’t spell out the details because I really don’t want to see anybody trying this but here is the example. Affiliate signsup and creates a **** website to technically show they are an affiliate. They refer only 1 player that happens to be a depositing player, usually from the same country and sometimes the same town. That player plays a break even game and either wins big or loses big in a month. You repeat this process over a year and you have decent profits.
What I mentioned above was very difficult to catch if you don’t have an eye for these things. I can now catch it very easily but I know these same players/affiliates will never have problems at some of the other places they are abusing.
That being said if this is the behaviour you want to prevent I think a simple T&C to prevent this would be to say that using the affiliate program as a means for rakeback for a player is not permitted. Affiliates are not allowed to refer themselves as a player. Maybe something else that says any affiliate suspected of colluding with a player for the purpose of profiting from the casino may have their accounts locked.