Terms & Conditions

1. Using FamilyBucks

FamilyBucks helps families manage routines, responsibilities and household rewards. Adult parents or guardians manage their family account and supervise any child use. Keep your credentials secure and provide accurate account information. Only enter information and upload content you have authority to use.

Use the service lawfully. Do not try to access another family’s records, interfere with the service, impersonate another person, or submit harmful or abusive content. We may restrict access to address misuse or protect users.

2. Family currency and parent decisions

FamilyBucks records your household reward system. It is not a bank, lender, payment service or investment product. Family currency does not represent money held by FamilyBucks. Parents decide what rewards and values mean within their home and are responsible for checking and approving account changes.

3. Penny and beta features

Penny is an AI assistant for adult parents. She can make mistakes. Review suggestions and proposed actions before relying on them. Penny provides educational support, not therapy, diagnosis, medical, legal or financial advice. Using Penny does not create a clinician-patient relationship. Penny is not monitored as an emergency service; contact emergency services or an appropriate professional when needed.

FamilyBucks and Penny are currently free during beta. Beta features may change, be interrupted or be unavailable. Any future paid plan or limit will be presented before you choose to purchase; consenting to SMS does not purchase a subscription.

4. Penny SMS program

What you are signing up for

The optional FamilyBucks Penny SMS program provides phone verification, two-way AI-assisted parenting and family-chart conversations, confirmations of requested changes, and reminders or check-ins you enable. It is for adults using their own authorized US or Canadian mobile number. It does not enroll you in advertising, affiliate marketing or third-party promotions.

Your consent and message frequency

You enroll by selecting the unchecked SMS consent box, requesting a verification code and verifying your number. Consent is optional and is not a condition of purchase or using FamilyBucks in the app. Automated messages may be used. Message frequency varies with your conversations and enabled reminders or check-ins. Longer replies may be delivered as multiple SMS segments.

Charges and availability

Message and data rates may apply. Your mobile carrier may charge for sending or receiving messages under your plan, even while FamilyBucks is free during beta. Ask your carrier about your plan. Service depends on compatible devices, carrier coverage and program availability. Carriers are not liable for delayed or undelivered messages.

How to stop and get help

Text STOP to opt out. You may receive a final confirmation, after which program messages stop unless you opt in again. You can also turn off texting at Penny SMS settings. For a previously verified number, text START to the same number to opt back in. If additional verification is needed, complete it in the app.

Text HELP for support, or email amy@familybucks.com. Turning off SMS does not prevent you from using Penny in the app. Tell us or disconnect the number before changing or giving up your phone number.

Privacy and appropriate use

SMS is not end-to-end encrypted. Do not send sensitive medical records, payment details or passwords. Your messages may be processed by our AI and messaging providers and reviewed by the authorized team as described in our Privacy Policy. Mobile information and SMS consent are not sold or shared with third parties or affiliates for marketing or promotional purposes.

5. Your content and privacy

You retain your rights in the content you provide. You allow FamilyBucks and the providers needed to operate its features to store and process that content to deliver, support and improve the service as described in the Privacy Policy. Do not upload material you are not entitled to share.

6. Changes and contact

We may update features and these terms. The updated date identifies this version. We will provide notice or request further consent where required. Nothing in these terms removes rights you have under applicable consumer law.

For account, service or SMS questions, contact amy@familybucks.com.