I get a bit lazy to remember codes, so I put ad codes in html files, just the ad by itself, then include them on my layout. Is that breaking any TOS? I'm not telling anyone to goto my ad URL, and no where in the source code does it say where it's being included from so no one should find it. But, is it still against the TOS?
Nope, it's allowed since when it comes out it just appends the codes in the included file to your page. Only ads in iframes are not allowed.