Is there something in the ToS that says you can't give each of your employees a personal $200/mo subscription... and if they happen to use it at work, well, that's their business?

Even if so, it might be worth spinning up a separate LLC for each division, given what they are charging for the API.

>Is there something in the ToS that says you can't give each of your employees a personal $200/mo subscription

Surprisingly, yes.

You can also ask your employees to bring their own pirated Adobe Photoshop and avoid paying for the license..

Nobody's talking about pirating anything.