KidCash Terms of Use

Effective date: September 18, 2026
Last updated: September 18, 2026

These Terms of Use ("Terms") are a legal agreement between you and KidCash LLC ("KidCash," "we," "us," or "our") governing your access to and use of:

• the KidCash mobile application (the "App");
• the KidCash website at www.kidcash.com, including its pages, guides, and printables (the "Site"); and
• the KidCash kit and any other physical product we sell, such as currency cards, a ledger, and a wallet (the "Kit").

Together these are the "Services." Where a section names the App, the Site, or the Kit specifically, it applies to that one only. Everywhere else, "Services" means all three.

By downloading, accessing, or using any of the Services, by placing an order, or by tapping "I agree," you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.

1. What KidCash is (and is not)

KidCash is a parenting tool that helps you track a play-money reward system with your children. KidCash is for general educational and informational purposes only. It is not medical, psychological, therapeutic, or clinical advice, and it is not a substitute for professional advice from a licensed therapist, psychologist, pediatrician, or other qualified healthcare provider. It is also not financial, investment, accounting, or tax advice. The play money in KidCash has no cash value, is not a deposit or a financial product, and is not redeemable for anything except by agreement inside your own household. Every child is different, and what works in one family may need to be adapted for another. If your child has a diagnosed behavioral, developmental, or mental health condition, please consult with their care team before starting any new behavioral system. You are solely responsible for how you use the App with your family.

This covers everything we make, not only the App. The guides, printables, and other material on the Site, the book, and the Kit carry exactly the same disclaimer. They are general educational and informational material, not advice of any kind, and the play money in the Kit has no cash value for the same reasons the play money in the App has none.

2. Your family, your decisions, your responsibility

KidCash records what you tell it. It does not decide anything. You choose the currencies, the amounts, what earns money and what costs it, whether a ticket is written, whether anything is ever taken away, and whether the play money is exchanged for anything real. The App suggests amounts and offers parenting tips; those are general information, not instructions, and you are free to ignore all of them.

We cannot see how you use it. Your family's information is stored in your own Apple iCloud account. We operate no server, hold no copy, and receive no record of what you enter - so we do not and cannot monitor how the App is used in any household, and we have no ability to detect, review, or intervene in how any parent treats any child.

You are solely responsible for your parenting decisions and for the wellbeing of the children in your care. That includes every consequence of anything you record in the App, every conversation it leads to, and every reward or deduction you apply. Nothing in the App, and nothing in these Terms, creates any duty of care on our part toward you, toward any child, or toward anyone else in your household, or makes us responsible for the conduct of any user.

KidCash must never be used to harm a child. You agree not to use the App to withhold or condition food, shelter, clothing, medical or mental-health care, education, sleep, or safety; to coerce, threaten, intimidate, humiliate, or isolate a child; to impose punishment that is excessive, degrading, or unlawful; or in any way that constitutes abuse, neglect, or unlawful discipline under the law that applies to you. This is a condition of your licence to use the App, and we may terminate access for any violation of it, though our inability to observe your use means you should assume enforcement will not happen and that responsibility rests entirely with you.

A Kit records even less than the App does, because it is paper and card. Everything in this section applies to it, and to anything you print from the Site, in exactly the same way: it holds what you write in it, it decides nothing, and we never see it.

If you are worried about a child's safety, contact your local emergency services or child-protection authority. We are not equipped to help and have no information that could.

3. Eligibility

You must be at least 18 years old and the parent or legal guardian of any child whose information you enter, or otherwise legally authorized to provide that information. Children do not have KidCash accounts and are not intended to use the App independently. The App includes a kid mode that a parent may show a child on the parent's own device, which is a handover rather than an account. By using the App you represent that you meet these requirements.

4. Your account

You sign in using Sign in with Apple. You are responsible for keeping access to your device and sign-in method secure and for all activity under your account. Notify us promptly at support@kidcash.com if you believe your account has been accessed without authorization. You may delete your account at any time from within the App (Settings), which removes your account data as described in the Privacy Policy.

5. Subscriptions, free trial, billing, and cancellation

The App is offered on a subscription basis and includes optional plans such as a monthly plan and an annual plan, and may offer a free trial. Current pricing is shown in the App at purchase (currently $7.99 per month or $69.99 per year, with a 7-day free trial).

• Purchases through Apple. Subscriptions and trials are sold through your Apple App Store account and are processed by Apple, not by KidCash. Payment is charged to your Apple ID account. We do not collect or store your credit card or payment-card information.
• Free trial. If you start a free trial, you will not be charged during the trial period. Unless you cancel at least 24 hours before the trial ends, your subscription will automatically begin and your Apple ID will be charged the applicable price.
• Auto-renewal. Subscriptions automatically renew for the same term at the then-current price unless you cancel at least 24 hours before the end of the current period. Your Apple ID account is charged for renewal within 24 hours before the period ends.
• Managing and cancelling. You can manage or cancel your subscription in your Apple ID account settings. Deleting the App does not cancel your subscription.
• Refunds. Purchases are handled by Apple and are subject to Apple's refund policies. Refund requests are made through Apple. Except where required by law, subscription fees are non-refundable.
• Price changes. We may change subscription prices. Changes will not apply to your current paid period and, where required, we or Apple will notify you and obtain any consent required before a change takes effect.

6. The Site

The Site carries guides, printables, and other material for your own household's personal, non-commercial use. You may download and print the printables and use them at home with your own family. You may not sell them, redistribute them, publish them, or use them commercially, and you may not remove any notice from them.

Everything on the Site is general information and is covered by Section 1: it is not medical, psychological, therapeutic, clinical, financial, investment, accounting, or tax advice. We may change, move, or remove anything on the Site at any time, and we do not promise the Site will be available without interruption.

7. The Kit and other physical products

Ordering. Orders are placed through the Site, using a payment provider whose own terms govern the payment itself. Your order is an offer to buy, and it is accepted when we confirm it or dispatch it, whichever comes first. We pack and post orders ourselves.

Prices and availability. Prices, shipping charges, and taxes are the ones shown at checkout, and we ship only to United States addresses. Products may be limited or discontinued. We may refuse or cancel an order, including after it is placed, if a product is unavailable, if a price or description was wrong, or if we suspect fraud. If we cancel an order you have already paid for, we refund it.

Delivery and risk. We ship the Kit within the United States only, to the destinations offered at checkout. Delivery estimates are estimates, not promises, and delays in transit are outside our control. Risk of loss and damage passes to you when the Kit is delivered to you or to the address you gave us.

Returns and cancellation. You may return a Kit within 30 days of receiving it for a refund to the original payment method, provided it is unused and in resalable condition. Return shipping is yours to pay unless the Kit arrived faulty, damaged, or not what you ordered, in which case it is ours. The returns policy published on the Site sets out how to start a return and applies to every order.

Nothing in that policy reduces any statutory right you have as a consumer.

Safety and suitability. The Kit is a parenting tool for a family to use together, not a toy. It contains paper and card components, including small pieces, and is not suitable for children under three. Use it with adult supervision. The play money it contains has no cash value, is not a financial product, and is not redeemable for anything except by agreement inside your own household.

Personal use. The Kit is sold for your own household's use, not for resale, rental, or commercial distribution.

8. License and acceptable use

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the App and the Site for your own household's non-commercial use. You agree not to: (a) copy, modify, distribute, sell, or lease any part of the App or the Site, including its printables; (b) reverse engineer or attempt to extract source code, except as permitted by law; (c) use the App or the Site to violate any law or infringe anyone's rights; (d) upload unlawful, harmful, or infringing content; (e) interfere with or disrupt the App or the Site or their security; (f) access the App or the Site using automated means except as we expressly permit; or (g) use any of the Services in any way prohibited by Section 2, including to harm, coerce, or neglect a child.

9. Your content

The App lets you enter information such as your children's first names, ages, avatars, notes, and reward transactions ("Your Content"). You retain ownership of Your Content. You grant us a limited license to host, store, process, and display Your Content solely to operate and provide the App to you. You are responsible for Your Content and confirm you have the right to provide it, including the right to provide any information about your children.

Feedback. If you send us ideas, suggestions, bug reports, or other feedback - through the feedback form in Settings or any other way - you agree we may use it for any purpose, without obligation, compensation, or confidentiality, and that we are free to develop anything similar independently. Please do not send us anything you consider confidential or that you are not free to share.

10. Intellectual property

The Services, including the KidCash name, logo, the five-currency system, designs, text, photographs, the Site's guides and printables, the design of the Kit and everything printed on it, and the underlying book "KidCash: A Parenting System, Designed for Life," are owned by KidCash LLC and/or Lisa Chin Mollica and are protected by intellectual property laws. Except for the license in Section 8, no rights are granted to you. You may not use our marks without our prior written permission.

11. Third-party services

The Services rely on third parties: Apple for authentication, subscription purchases, and app distribution; and, for the Site and for Kit orders, hosting, storefront, payment, and shipping providers. The Site also links out to places we do not control, including the book's listing on Amazon. Your use of any of them is governed by their own terms and policies. We are not responsible for third-party services or for the content of any site we link to.

12. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP OR THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY OF THE SERVICES WILL PRODUCE ANY PARTICULAR PARENTING, BEHAVIORAL, OR FINANCIAL OUTCOME. Colors and materials of the Kit may vary slightly from how they appear on a screen. As stated in Sections 1 and 2, nothing we make is a substitute for professional advice and every decision about your family is yours. Some jurisdictions do not allow certain warranty exclusions, and consumers have statutory rights that these Terms do not affect, so some of the above may not apply to you.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KIDCASH LLC AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) ANY OF THE SERVICES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US, OR THROUGH APPLE OR ANY STORE WE SELL THROUGH, FOR THE APP, THE KIT, OR ANYTHING ELSE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $50. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

What is never excluded. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for defective products where liability cannot lawfully be excluded, or for anything else that cannot lawfully be excluded or limited under the law that applies to you. If you are a consumer, your statutory rights are unaffected by these Terms.

14. Indemnification

You agree to indemnify and hold harmless KidCash LLC and its owners, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of any of the Services, Your Content, your parenting or disciplinary decisions, or your violation of these Terms or any law or third-party right. This includes any claim brought by, on behalf of, or in relation to a child in your household.

15. Termination

You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you violate these Terms, or if we discontinue the App, the Site, or the Kit. Ending your access does not cancel an order already accepted and paid for. Sections that by their nature should survive termination (including Sections 2, 6 through 14, and 16 through 20) will survive.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide notice in the App or by other reasonable means and update the "Last updated" date. Your continued use of the App after changes take effect means you accept the updated Terms.

17. Governing law and disputes

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. You and KidCash agree that any dispute will be resolved in the state or federal courts located in Kings County, New York, and you consent to their jurisdiction, except where applicable law provides otherwise.

If you are a consumer outside the United States, nothing in this Section takes away the protection of the mandatory consumer-protection rules of the country you live in, and you may be able to bring proceedings there. Where those rules conflict with this Section, they win.

Talk to us first. Before filing anything, you agree to contact us at support@kidcash.com describing the problem and what you want, and to give us 30 days to resolve it. Most things can be sorted out this way.

One year to bring a claim. Any claim relating to the App must be brought within one year after it arises, or it is permanently barred, except where applicable law does not allow such a limit.

No class actions, and no jury. To the maximum extent permitted by law, any dispute will be brought only in your individual capacity and not as a plaintiff or class member in any class, collective, or representative action, and you and KidCash each waive any right to a jury trial. If a court finds either waiver unenforceable, that waiver alone is severed and the rest of this section still applies.

18. Apple App Store terms

This Section is about the App only. Apple has no involvement in the Site or in any Kit order, and is not a party to either. These Terms are between you and KidCash LLC only, not with Apple. Apple is not responsible for the App or its content. To the extent required by Apple, you acknowledge that: Apple has no obligation to provide maintenance or support for the App; in the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any), and to the maximum extent permitted by law Apple has no other warranty obligation; Apple is not responsible for addressing any claims relating to the App, including product-liability, legal or regulatory, or consumer-protection claims; and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

19. Legal compliance

You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties. You agree to comply with all applicable laws, including export and re-export control laws, in using the App.

20. Miscellaneous

These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Services. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, outages or changes at Apple or other providers, network failures, labour disputes, or government action.

21. Contact

KidCash LLC
Email: support@kidcash.com
Website: www.kidcash.com