Question about Nationwide smart limited access saver account

Hi all. I have recently opened a Nationwide smart limited access account for my son. The account pays 2.25% on up to £50k. At the moment I am using the account as it is intended, a savings account for my son's future, saving £100 a month, however I do have some other savings earning nowhere near 2.25% and I'm the trying to work out what to do with them.

The account allows 1 withdrawal per year and I do not need access to these funds for at least a few years. Can I use my son's account to save money I do not intend to give to him when he is grown up? The interest rate is so high because it is a child's account but I can't see anything in the account Ts and Cs that would stop me using it for my own savings although it feels highly unethical.

Thanks in advance for your thoughts 😊

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