Sculli said:
I really don't think paying someone to deliver gil to your character is against the license agreement.
Other than that, I would suggest to just go with IGE, at least you are sure you get your gil, and their prices are usually low enough to try and push everyone else out of business.
Actually, it is against the agreement (but I never read those either

)
this is from the FINAL FANTASY XI (not Playonline navigator) user agreement:
Article 3: Prohibited Activities and Indemnification
3.1 Prohibited Activities.
You may not use the Game or PlayOnline for any activities that are illegal, fraudulent, or a violation of the rights of any third party. Without limiting the generality of the foregoing, the following acts and activities are strictly prohibited and shall, without prejudice to any other rights or remedies that SEI may have, be cause for immediate termination of your PlayOnline account and your right to play the Game (or any other services) in connection therewith:
(a) Any activities consisting of selling, purchasing or exchanging “gil” or any other currency that may be used in the Game from time to time, characters, and/or Game items for value (including, but not limited to, any payment in kind and any payment in any currency recognized as legal tender in any country, state, territory or other jurisdiction anywhere in the world) through any means or venue, including, without limitation, Internet auctions or other online exchanges;
Of course, they are not enforcing the actual penalty, cancellation of the account, but it is definately against the agreement.
One more time: IT IS AGAINST THE AGREEMENT, A CONTRAT WE ARE ALL BONDED TO
But, if you reallt wanna take your chance scarlette, check out this site:
http://www.kissmyass.com/
Thank you and have a psychotic day!