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Terms of Service

Last updated: February 15, 2026

1. Acceptance of Terms

By accessing or using KidsBuild ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. You must be at least 18 years old to create a parent account.

2. Description of Service

KidsBuild is a membership platform that provides children (ages 13–18) with professional AI development tooling, facilitates direct funding to children's financial accounts, and helps families maximize Roth IRA contributions through earned income from real projects. KidsBuild is an educational technology platform and does not employ children. Children participate as independent learners building their own projects.

3. Accounts and Registration

  • Parent accounts: Parents are responsible for all activity under their account and any child accounts they create.
  • Child accounts: Children must be at least 13 years old in compliance with COPPA. Parents invite children by providing the child's email address.
  • You are responsible for maintaining the confidentiality of your account credentials.

4. Subscriptions and Payments

Subscriptions are billed monthly or annually as selected. Payments are processed by Stripe. The subscription includes:

  • A $20/month platform fee per family
  • AI tooling fees per child (Standard: $25/mo, Premium: $125/mo)
  • Optional child funding amount as configured by the parent

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.

5. AI Tooling Usage

AI coding tools are provided on Builder and Pro Team plans through third-party AI providers. Usage is subject to our acceptable use guidelines and provider policies. Children must not use AI tools to generate harmful, illegal, or inappropriate content. KidsBuild reserves the right to suspend access for policy violations.

6. Session Replay and Analytics

KidsBuild uses website session replay tools (similar to Hotjar, FullStory, or LogRocket) to record how users interact with the KidsBuild web application. This is standard web analytics technology used to improve the user experience, debug issues, and document platform activity.

  • What is captured: Clicks, scrolls, page navigation, form interactions, and on-screen content within the KidsBuild website only. Session replay does not access or record anything outside the KidsBuild browser tab, including other applications, other browser tabs, the user's desktop, webcam, microphone, or local files.
  • What is not captured: Passwords, payment card numbers, and other sensitive form fields are automatically masked and never recorded.
  • Purpose: Session replays are used to (a) improve platform usability, (b) diagnose and resolve technical issues, (c) document project activity within the platform that may support earned-income records, and (d) prevent misuse of the platform and protect against frivolous disputes.
  • Consent: By using the platform, you consent to session replay collection as described here. Parents provide consent on behalf of their child during account setup. Both parents and children (13+) may opt out at any time by contacting support@kidsbuild.com, though this may limit our ability to provide technical support or activity documentation.
  • Retention: Session replay data is retained for the duration of the active subscription plus 90 days. Parents may request deletion at any time.

7. Intellectual Property

Projects created by children using KidsBuild tooling are subject to the following:

  • Child ownership: The child retains ownership of the creative work, ideas, and original content they produce.
  • License to KidsBuild: By using the platform, you grant KidsBuild a non-exclusive, royalty-free, non-transferable license to use anonymized project descriptions, screenshots, and metadata for the community showcase, marketing materials, and platform improvement. This license does not include access to or rights over the project's source code, proprietary logic, or commercial rights.
  • Company-funded tooling: While KidsBuild provides and funds the AI tooling used to build projects, this does not constitute a "work made for hire" arrangement. The child is not an employee of KidsBuild.
  • Opt-out: You may opt out of the community showcase license at any time by contacting support@kidsbuild.com. Opting out does not affect the child's ability to use the platform.

8. Child Labor and Work Activity Compliance

KidsBuild is an educational technology platform. Children use the platform to learn software development and build projects independently. Parents are responsible for ensuring their child's activities comply with applicable laws:

  • Federal (FLSA): Software development and computer-based work are not listed as prohibited occupations under the Fair Labor Standards Act for minors. However, 14- and 15-year-olds are subject to hour restrictions: no more than 3 hours on a school day, 18 hours in a school week, 8 hours on a non-school day, and 40 hours in a non-school week. Work may only occur between 7 a.m. and 7 p.m. (9 p.m. June 1 through Labor Day). Children 16–17 have no federal hour limits.
  • State laws: Many states have stricter child labor rules than federal law. The more protective standard always applies. Parents are responsible for compliance with their state's regulations.
  • Independent contractor status: If a child is performing work for pay (e.g., freelance projects, contract work) using KidsBuild tooling, the parent is responsible for proper classification, reporting, and tax compliance including any applicable 1099 filings.

9. Earned Income and Roth IRA Compliance

KidsBuild facilitates funding to financial accounts you designate but does not verify, certify, or guarantee that any activity constitutes "earned income" under IRS rules.

  • Roth IRA contributions require the account holder to have "bona fide earned income" from employment or self-employment at least equal to the contribution amount.
  • Contributions cannot exceed the lesser of the annual IRS limit ($7,500 for 2026) or the child's total earned income for the year.
  • It is solely the parent's responsibility to maintain adequate records of the child's work activity, hours, and compensation to substantiate earned income if audited.
  • Session replay data and activity logs provided by KidsBuild may serve as supporting documentation but are not guaranteed to satisfy IRS requirements.
  • Consult a qualified tax professional to determine whether your child's activities qualify as earned income and to ensure compliance with all IRS rules.

10. Coogan Law and Earnings Protection

While KidsBuild does not employ children, we recognize the principles behind California's Coogan Law and similar state-level protections for minor's earnings. All child funding through KidsBuild is directed to accounts controlled by the parent/guardian for the benefit of the child. We strongly encourage parents to direct funds into protected accounts such as Custodial Roth IRAs (at Fidelity or similar) and UTMA/UGMA accounts, which provide legal protections for the child's assets.

11. Financial Disclaimer

KidsBuild is not a registered investment advisor, broker-dealer, financial planner, or tax advisor. Any projections, charts, or growth estimates on the platform are hypothetical illustrations only and do not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor and tax professional before making investment decisions. See our full Financial Disclaimer for details.

12. Limitation of Liability

KidsBuild is provided "as is" without warranties of any kind. We are not liable for any indirect, incidental, or consequential damages arising from your use of the Service, including but not limited to investment losses, tax penalties, missed contribution opportunities, IRS penalties for improper contributions, or employment classification disputes.

13. Termination

We reserve the right to suspend or terminate accounts that violate these terms. You may delete your account at any time by contacting support@kidsbuild.com. Upon termination, session replay data will be deleted within 90 days unless a legal hold applies.

14. Governing Law

These Terms are governed by the laws of the State of Delaware without regard to conflict of law provisions.

15. Contact

Questions about these Terms? Contact us at support@kidsbuild.com.