Child Safety & COPPA Policy

1. Age Requirement

SpendCaddie provides financial management services that require users to:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Have the authority to connect bank and credit card accounts

Users must verify they meet these requirements during account registration.

2. COPPA Compliance

The Children's Online Privacy Protection Act (COPPA) imposes requirements on websites and online services directed to children under 13. SpendCaddie is:

• Not directed to children: Our service is designed for adult financial management
• Not collecting children's data: We do not knowingly collect personal information from anyone under 18
• Age-gated: We require age verification during signup

3. Discovery of Underage Users

If we discover that a user is under 18, we will:

1. Immediately suspend the account
2. Notify the registered email address
3. Delete all personal information within 48 hours
4. Remove all connected financial account data
5. Purge any analytics or tracking data associated with the account

4. Parental Notice

If you are a parent or guardian and believe your child has created a SpendCaddie account or provided personal information:

1. Contact us immediately at privacy@spendcaddie.com
2. Include “Child Account Report” in the subject line
3. Provide the email address used for the account
4. We will verify and delete the account within 48 hours

5. Family Plan Considerations

Our Family plan allows multiple household members to share an account. Please note:

• All family members must be 18 or older
• Parents should not add minor children to the family account
• Each member must have their own login credentials
• The primary account holder is responsible for ensuring compliance

6. Educational Accounts

We do not offer accounts for educational institutions serving minors. SpendCaddie is not suitable for:

• K-12 schools or districts
• Youth financial literacy programs
• Teen banking education
• Any program serving users under 18

7. Marketing to Minors

SpendCaddie does not:

• Market to individuals under 18
• Advertise on platforms targeting minors
• Use content designed to appeal to children
• Partner with children's content creators or influencers

8. Third-Party Services

Our third-party service providers (such as Plaid for bank connections) also have policies prohibiting collection of children's data. By using SpendCaddie, you confirm compliance with their age requirements as well.

9. Reporting Concerns

If you have concerns about child safety related to SpendCaddie:

• Privacy Team: privacy@spendcaddie.com (Subject: "Child Safety Report")
• General Support: support@spendcaddie.com

We take all reports seriously and will investigate promptly.

10. Policy Updates

We may update this policy to reflect changes in law or our practices. Material changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

11. Contact Information

For questions about this policy or to report an underage account:

• Privacy Team: privacy@spendcaddie.com
• General Support: support@spendcaddie.com
• Legal Inquiries: legal@spendcaddie.com
• Mailing Address: Bobby Built Ventures LLC (DBA SpendCaddie), 1500 N Grant St, Ste R, Denver, CO 80203

12. Additional Resources

For more information about children's online privacy:

• FTC COPPA Guide
• FTC Parent Resources