AI Powered Money Management App for Kids

🌟 Benefits of Our App

💡 Fun Financial Learning – Kids master money through games, stories, and real-world challenges.
👨‍👩‍👧 Full Parental Oversight – Approve trades, set limits, and track progress with ease.
🤖 AI-Powered Safety – Real-time scam alerts and interactive online safety training.
🌍 AR & Gamification – Watch savings grow in augmented reality and earn blockchain-secured badges.
💸 Practical Experience – Practice investing with virtual portfolios before real trades.
🏦 Trusted & Compliant – Secure, KYC/AML verified, and COPPA/GDPR-aligned.
✨ Build confident, financially savvy kids — the fun, safe, and smart way!   https://moneywizekids.com  (You can simply add the app to your iPhone/Android home page by accessing the site in Safari Select Share > Add to Home Page > Rename > Select Add) 

Privacy Policy 

Last Updated - 27 August 2026

1. Introduction

Welcome to MoneyWizeKids. MoneyWizeKids is an AI-powered financial education platform designed to help children develop practical financial knowledge and healthy money habits with the involvement and supervision of their Parent or Guardian.

Platform Features

The platform may include financial education, personalised learning, AI Financial Coaching, savings goals, virtual money management, financial missions and challenges, financial simulations, Junior Financial Freedom Scores, Digital Financial Twin functionality, Future-Self simulations, entrepreneurship education, family goals, Parent/Guardian controls, family progress dashboards, AI-assisted Parent guidance, and subscription services.

About This Privacy Policy

This Privacy Policy explains how AI Android & IOS Services Ltd, trading as MoneyWizeKids ("we", "us", "our"), collects, uses, stores, protects and shares personal information when you use our website, Android application, iOS application and related services. We recognise that children’s personal information deserves a particularly high level of protection. Our service is therefore designed around the principle that: Children Learn → Parents/Guardians Control Consent and Commercial Access → The Platform Protects Personal Data. We aim to use children’s personal information only where reasonably necessary to provide, protect and improve the financial-education service.

2. Who We Are

Legal Entity: AI Android & IOS Services Ltd Trading Name: AI Android & IOS Services Ltd Registered Address: 320 Firecrest Court, Warrington, United Kingdom, WA1 1RG Country of Incorporation: United Kingdom Company Registration Number: 17255729 Privacy Email: CustomerSupport@TitanConsultancy.Org Support Email: CustomerSupport@TitanConsultancy.Org Website: TitanConsultancy.Org  Where applicable, AI Android & IOS Services Ltd acts as the data controller for personal information described in this Privacy Policy.

3. Our Approach to Children’s Privacy

Protecting children is a core principle of the Service. A Child account is linked to a Parent/Guardian or Family account where required by our service design or applicable law. Depending upon the Child’s age and jurisdiction, we may require Parent/Guardian approval before collecting or processing personal information beyond what is necessary to establish age and obtain parental consent.

Age-Appropriate Protections

We apply age-appropriate protections including: high privacy settings by default, data minimisation, age-appropriate notices, Parent/Guardian controls, restricted commercial functionality, child-specific AI safeguards, no direct Child subscription purchases, no behavioural advertising to Children, no sale of children’s personal information, no use of advertising identifiers for Child advertising, no unnecessary precise-location collection, restricted access to Child information, safeguarding controls, and controlled data retention. The Parent/Guardian is informed where they control or monitor aspects of the Child’s experience.

4.1 Parent / Guardian Account Information

We may collect: full name, email address, account identifier, password in securely hashed form, country, preferred language, family account information, linked Child relationships, consent preferences, parental-control settings, notification preferences, accessibility preferences, authentication and MFA information, subscription status, and support communications. We do not store passwords in readable plaintext.

5. Child Account Information

Depending upon age, jurisdiction and parental permissions, we may process: first name, chosen name or display name, username, date of birth or age/age band, country, preferred language, email address where appropriate, secure account identifier, Parent/Guardian relationship, account and consent status, learning preferences, and accessibility preferences. We aim to minimise the amount of personally identifying information collected from Children.

6. Child Financial-Education Information

The Service may process information entered by a Child or Parent for educational purposes, including: pocket-money or allowance records, gifts, educational income records, savings, savings goals, spending categories, educational budgets, financial missions, goal progress, learning activities, quiz responses, financial knowledge assessments, learning level, XP, badges, achievements, learning streaks, Junior Financial Freedom Score information, simulated investment information, and entrepreneurship exercises. Unless explicitly stated otherwise, these features are educational tools and are not bank accounts. The Service does not move real money merely because a user records an allowance, expense, saving or financial goal.

7. AI Financial Coach Information

Where AI functionality is enabled, we may process: questions submitted to the AI, written prompts, voice-derived text where voice functionality is used, AI responses, relevant learning context, child age band, learning level, goals, progress, AI safety classifications, and reports concerning inappropriate AI responses. Information is used to generate age-appropriate explanations, personalise learning, recommend lessons, generate missions, answer educational questions, improve safety, detect prohibited or inappropriate requests, and support safeguarding processes. We seek to minimise the personal information sent to AI service providers. Users should not deliberately include unnecessary personal, confidential or highly sensitive information in AI prompts.

8. Voice Functionality

If a voice-based AI feature is available and enabled, the app may request microphone permission. Microphone access will only be requested when reasonably necessary for a feature the user has chosen to use. Where audio is processed: we provide an appropriate notice before permission is requested; access requires the relevant device permission; audio is used for the requested voice functionality; and we aim not to retain raw audio longer than necessary for the stated purpose unless clearly disclosed. Where Parent approval is required for Child voice functionality, the feature will remain disabled until that approval has been obtained.

9. Financial Simulator and Digital Financial Twin

The platform may use permitted user information to create what-if scenarios, savings projections, educational compound-growth illustrations, financial-learning profiles, Junior Digital Financial Twins, and Future-Self scenarios. Data used may include savings, spending, goals, allowance, learning activity, simulated investments, and future ambitions. These outputs are for educational purposes. They do not represent guaranteed financial outcomes. They are not intended to constitute regulated investment, tax, credit, banking or financial advice.

10. Junior Financial Freedom Score

The Service may calculate a Junior Financial Freedom Score using factors such as financial knowledge, learning progression, mission completion, goal progress, saving consistency, financial decision-making, and understanding of financial risk. We do not intend the score to rank Children according to family wealth. The score is an educational and motivational feature. It is not a credit score, a creditworthiness assessment, a financial risk rating, a lending decision, or an investment recommendation.

11. Subscription and Purchase Information

Parent/Guardian subscriptions are processed through the applicable mobile-platform payment system. For iOS this may involve Apple App Store / StoreKit. For Android this may involve Google Play Billing. We use RevenueCat to help manage subscription products and subscription entitlements. Subscription information we may receive includes: internal user identifier, subscription product, subscription tier, monthly or annual billing period, trial status, subscription status, purchase date, renewal information, expiration date, store used, purchase/transaction identifiers, entitlement status, cancellation status, and billing-state information. We do not receive or store your full payment-card number or CVV through the mobile subscription process. Apple and Google process payment credentials through their own systems. RevenueCat may process technical information, app user identifiers and transaction information necessary to provide subscription functionality.

12. Children Do Not Manage Payments

Children cannot start subscriptions, start free trials, enter payment details, restore purchases, upgrade subscriptions, downgrade subscriptions, or manage store billing. Subscription ownership belongs to the authorised Parent/Guardian. A Child receives subscription functionality through their linked Family account.

13. Device and Technical Information

For security and operation of the Service, we may process limited technical information such as: device type, operating-system version, app version, device language, login timestamps, session information, IP address where reasonably necessary for network/security operations, authentication events, error information, security events, crash information where enabled, and push-notification token. We do not use technical identifiers from Child users for behavioural advertising.

14. Biometrics

Where the app allows Face ID, Touch ID, fingerprint or other device biometric authentication, biometric verification is normally performed by the operating system. We do not intend to receive or store the user’s underlying biometric template. The app generally receives only the authentication result from the operating system.

15. Notifications

If notifications are enabled, we may use a device notification token and relevant account information to send permitted notifications. These may include: learning reminders, savings-goal progress, mission reminders, achievement notifications, parent-created activities, parent approval requests, security alerts, subscription notifications, and privacy notices. Parents/Guardians may control appropriate Child notification settings including notification types and quiet hours. Users can also control operating-system notification permissions through their device.

16. Support Information

If you contact us, we may process: name, email address, account identifier, description of the issue, communications with support, technical information necessary to investigate the issue, and screenshots or attachments voluntarily supplied. AI may assist with first-line support classification and responses. Cases requiring human review may be escalated to an authorised Administrator.

17. How We Collect Information

Information may be collected directly from Users when a Parent or Child registers, completes their profile, uses learning features, creates goals, uses the AI Coach, submits support requests, or changes settings. From Parents/Guardians, for example when a Parent creates a Child profile, approves a Child account, configures parental controls, creates family goals, or provides consent. Automatically, limited technical data may be generated when users authenticate, use the app, receive notifications, encounter errors, or perform subscription actions. From Subscription Platforms, we may receive subscription information from Apple, Google, and RevenueCat.

18. Why We Use Personal Information

We use information where necessary to: create and manage accounts, authenticate users, link Parents and Children, verify consent, provide financial education, personalise learning, operate AI functionality, create goals and missions, calculate educational scores, generate simulations, provide Digital Twin functionality, operate family features, manage subscriptions, restore purchases, send requested notifications, detect fraud and account abuse, protect account security, provide customer support, meet legal obligations, handle privacy requests, investigate safeguarding concerns, and maintain and improve the Service.

19. Legal Bases Where GDPR/UK GDPR Applies

Depending on the particular processing activity, we may rely on one or more lawful bases including: Contract (where processing is necessary to provide the Service requested by a Parent/Guardian), Consent (where consent is required, including certain optional functionality or Child-related processing), Parental Authorisation (where applicable law requires Parent/Guardian authorisation for processing involving a Child), Legitimate Interests (where appropriate and where those interests are not overridden by the rights and interests of the user, particularly a Child — examples may include security, fraud prevention, service integrity, and limited operational analytics), and Legal Obligation (where information must be processed or retained to meet a legal requirement). Where special-category or similarly sensitive information is processed, we will use an appropriate additional legal basis where required.

20. Parental Consent

Where Parent/Guardian consent is required, the Child will not be permitted to bypass that requirement. Depending upon jurisdiction and risk, we may use measures intended to establish that consent has been provided by an appropriate Parent/Guardian. A Parent/Guardian may be able to: review a linked Child profile, approve or reject the account, enable or disable optional AI functionality, manage learning settings, control notifications, manage financial-data permissions, withdraw applicable consent, request correction, request export, and request deletion. Where withdrawal of consent applies, it will not affect processing that was lawful before withdrawal.

21. Artificial Intelligence and Automated Processing

Generative AI is used to support features such as financial explanations, personalised lessons, learning recommendations, financial missions, parent guidance, educational simulations, content moderation, safety monitoring, and support triage. AI output may be imperfect. AI is not permitted to make unrestricted high-impact safeguarding, legal or privacy decisions without appropriate human controls. Where a matter involves serious safeguarding, significant account action, privacy/legal judgement, security incidents, or disputed Parent/Child relationships, it may be referred to an authorised human for review.

22. Sharing Information With Service Providers

We do not sell children’s personal information. We may share the minimum information necessary with service providers that help us operate the Service. These may include: RevenueCat (subscription management, entitlement validation and purchase-state management), Apple (iOS application distribution, subscriptions and App Store payments), and Google (Android application distribution, subscriptions and Google Play payments). Service providers are required, through applicable contracts and controls, to process information only for permitted purposes and provide appropriate protections.

23. Advertising and Tracking

The Service’s intended business model is subscription based. We do not intend to use children’s personal information for behavioural advertising, cross-app advertising profiles, sale to advertisers, or advertising-based profiling. We do not intend to transmit advertising identifiers such as AAID or IDFA from Child users for advertising purposes. We do not use Child financial-learning information to target advertising.

24. Location Information

The current core Service does not require precise geolocation from Child users. We do not intend to collect precise location from Children for the financial-learning functionality described in this Policy. If a future feature requires location information, we will update our disclosures and request any legally required permission before collection.

25. Optional Financial Account Connections

The current educational money-management features do not themselves require connection to a real bank account. If we introduce optional banking/Open Banking or other financial-account connectivity in the future: it will not be silently enabled; the Parent/Guardian will receive a clear disclosure; appropriate consent or authorisation will be obtained; we will explain the exact data collected; we will identify relevant financial-service providers; and this Privacy Policy and applicable App Store/Google Play disclosures will be updated before or when the functionality is introduced.

26. International Transfers

Some service providers may process information in countries other than the user’s home country. Where applicable data protection laws require safeguards for international transfers, we use appropriate mechanisms, which may include: adequacy decisions, standard contractual clauses, UK international data-transfer mechanisms, and other legally recognised safeguards. We take additional care where information relates to Children.

27. Data Retention

We do not intend to keep personal information indefinitely. Retention depends upon: type of information, purpose, user account status, applicable legal obligations, security requirements, and outstanding disputes or requests. While an account is active, information required to provide the Service may be retained. Where a subscription expires, subscription-controlled functionality may be disabled without immediately deleting legitimate family learning data. For example, we may retain, subject to applicable law: learning history, goals, XP, achievements, and family configuration so that a user can resume their learning if they later reactivate their subscription. This does not override a valid account-deletion request. When an account is deleted, we delete or anonymise associated personal information unless retention is required or permitted for a specific legal, fraud-prevention, security, accounting or dispute-resolution purpose. Any information retained following deletion is restricted to the purpose requiring its retention and deleted or anonymised when that requirement ends.

28. Account and Data Deletion

Users must be able to request account deletion. Parent/Guardian: within the app, Profile & Security → Privacy & Data → Delete Account, or through the account deletion web URL. Child: where appropriate, a Child may request deletion through Profile & Settings → Privacy → Request Account Deletion. Where Parent/Guardian involvement is required, the Parent/Guardian will be asked to authorise or manage the request. Deleting a Parent account may affect linked Family and Child accounts. Before deletion, we will explain what will happen. Where an active Apple or Google subscription exists, deleting the app account may not automatically cancel the store subscription. The Parent/Guardian should manage or cancel the subscription through the relevant Apple App Store or Google Play subscription settings. We will not unnecessarily obstruct a valid account-deletion request.

29. Access, Correction and Data Rights

Depending on where you live, you or an authorised Parent/Guardian may have rights including: access to personal information, correction, deletion, restriction, objection, data portability, withdrawal of consent, and complaint to a supervisory authority. Requests can be made through CustomerSupport@TitanConsultancy.Org.

30. Children’s Rights

Children have privacy rights in their own personal information. We aim to provide privacy information in language appropriate to the Child’s age. As Children mature, the controls and information provided to them may change to reflect their age, their legal rights, their developmental stage, and applicable laws. Parent/Guardian involvement does not mean that a Child’s privacy interests are ignored.

Data Security

We use administrative, technical and organisational safeguards intended to protect information. These may include: encryption in transit, appropriate encryption at rest, secure authentication, password hashing, MFA, role-based access control, session management, restricted Administrator access, audit logs, monitoring, secure secrets management, security incident detection, access controls for Child information, and controlled production environments. No online service can guarantee absolute security, but protecting Child and family information is a core design requirement.

32. Data Breaches and Security Incidents

If a security incident affecting personal information occurs, we will: investigate the incident, take reasonable containment and remediation steps, assess the risk to affected users, notify regulators where legally required, notify affected users or Parents/Guardians where required, and record and review the incident.

33. Third-Party Links

The Service may contain links to approved external resources. We are not responsible for the privacy practices of independent external services. Children should seek Parent/Guardian assistance before leaving the application where appropriate. Where platform rules require a parental gate for external links accessible to Children, appropriate controls should be implemented.

34. No Sale of Personal Information

We do not sell Child personal information. We do not sell Parent/Guardian personal information as part of the business model 

by this Service. If our practices materially change, this Privacy Policy and applicable consent mechanisms will be updated before such processing occurs where required.

35. Changes to This Privacy Policy

We may update this Privacy Policy when features change, laws change, service providers change, data practices change, or security requirements change. The Last Updated date will be amended. Where a material change affects Child data, consent or user rights, we will provide an appropriate notice and request renewed consent where legally required.

36. Contact Us

Questions about this Privacy Policy or personal information can be directed to:  Privacy Team AI Android & IOS Services Ltd 320 Firecrest Court, Warrington, United Kingdom, WA1 1RG Email: CustomerSupport@TitanConsultancy.Org Website: https://TitanConsultancy.Org

37. Child-Friendly Privacy Summary

Your Privacy – In Simple Words  We want you to understand what happens to your information. We use some information to help the app work. This might include your age, your learning progress, your goals, your achievements, and your answers to financial-learning activities. We use this information to help you learn. For example, the app can recommend lessons that are right for you.  Your Parent or Guardian may control some settings. They may choose things such as whether you can use certain AI features or notifications. You do not need to manage payments. Your Parent or Guardian manages the family subscription.  We do not sell your information to advertisers. The AI is here to help you learn. Do not tell the AI private information that it does not need to know.  You can ask for help. If you are unsure about your privacy, select Ask Parent / Guardian or Help & Safety. You can ask about your information. You or your Parent/Guardian may be able to ask us to show you your information, correct it, or delete it.  Your information belongs to you, and we want to treat it carefully.  

MoneyWizeKids – Learn Safely. Grow Confidently.