[spoiler=My thoughts on your particular issue]As someone who's not a mod (though a person of authority seems to have weighed in), I mostly agree with both Furrwhore and Mindcollector here.
Granted, a permaban may have been too harsh, but it is extremely difficult to make a judgement of the sort with the little context you gave (when you say you "said 'retard' a few times", do you mean two, three times? Or ten?).
It's also hard to sympathize when you claim you were "banned without any warning", and then in the same breath go "Yeah, I was warned by someone", regardless of whether you knew it was a mod (anyway, it's hard to believe a mod giving you any sort of warning with no indication at all of their role, especially since mods' names are generally always indicated somewhere on Discord servers).
Call me a cynic, but it sounds like you know exactly that what you were doing could get you in trouble, and are now trying to weasel out of it. At any rate, there's a strange self-contradiction here, which makes it hard to judge your story nicely from the get-go.
Either way, I'm more inclined to trust a Discord mod, even a random one I've never met, but especially one from the Hypnohub crowd that tend to be more reasonable, and have more patience, than most I know (and certainly more than me), than someone who, by their own admission, says "retard" as an insult, several times at that, when it is nowadays widely recognized as an offensive slur, despite what some may argue.
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In any case, I would suggest avoiding making public threads about this sort of thing here, which are unlikely to resolve your issue (especially given that most users on here, I assume, have little connection with the Discord server), but on the other hand quite likely to cause drama and friction, depending on the issue.
Perhaps one of the mods here, which you can always DM, would be more apt to help, though from my understanding it's a different group of people as the Discord mods. Or, try to contact the Discord people directly.