Privacy Policy

About this policy

Effective date: September 16, 2026. The previous version, effective August 2, 2021, is linked at the end of this policy.

Kiddie Kredit is a chore and financial-literacy app for families. It is operated by Leaping Harts, Inc. dba Kredit Academy ("Kredit Academy", "we" or "us").

This policy covers the Kiddie Kredit apps for iOS and Android, the portal that partner organizations use to assign tasks, and kiddiekredit.com. Together we call these the "Service". Kredit Quest, our product for teenagers, has its own privacy policy.

Kiddie Kredit is directed in part to children under thirteen, so we comply with the Children's Online Privacy Protection Act (COPPA). A child cannot create an account. A parent creates the family account and adds each child. In this policy, "parent" includes a legal guardian.

You can reach us at Leaping Harts, Inc. dba Kredit Academy, 1111 Brickell Ave., 10th Floor, Miami, FL 33131. Call 855-5-KREDIT (855-557-3348) or email support@kreditacademy.com.

Information we collect

We collect information from parents, information parents give us about their children, and information created as a family uses the app. Children cannot make personal information public through the Service.

From parents

• Your name and email address. Auth0 handles sign-in, including with an Apple or Google account, so we never see your password.
• The information you give us to verify that you are over 18 and your child's parent or guardian, and the result of that check.
• A record of which version of this policy you accepted, and when.
• Whether you have a Family Plus subscription and when it renews.
• Once gift-card rewards launch: the amounts you add, the gift cards bought, which child received each one, and your rewards balance.
• What you tell us when you contact support.

About your children, provided by you

• Your child's name, which can be a nickname, and date of birth. We use the date of birth to know when your child turns thirteen.
• The reading setting and the avatar you pick for your child from our preset images.

Created as your family uses the app

• Chores and tasks, and whether each one was completed.
• Scores, score bands, streaks, badges and rewards.
• Notes typed in the app, such as a child's note when submitting a task or a parent's reason for sending one back.
• Chore photographs, such as a picture your child takes to show a chore is done. Your child can take photos only if you turn photos on for them and allow camera access. Photos can show your child or your home, so we strip location data from each one before it is uploaded. Photos never appear in notifications, and no automated tool analyzes them.

From devices

• An account identifier we assign to each parent and child.
• If notifications are allowed on a device, including your child's, an identifier for that device. See "Notifications and device identifiers".
• Technical information needed to run the Service, such as IP address, device type and app version.

We use that technical information only to authenticate users, keep network connections working, and protect the Service against fraud and misuse. It is never used for advertising, to contact or profile an individual, or for any other purpose. Our service providers may process it only on our instructions.

From partner organizations

• The tasks an organization assigns to children enrolled with it, and the groups it places them in.
• The name and email address of staff who use the portal, from the Apple or Google account they sign in with. We never handle their passwords.

We do not collect precise location, contacts, advertising identifiers or analytics about how you use the app. We never receive your full card number.

What Kiddie Kredit 3.1 adds

Kiddie Kredit 3.1 adds a few new features. Here is what each one keeps, so you know before you turn it on.

Score history. We keep a daily copy of each child's Kredit Score and the five parts that make it up, so the app can show how it changed. It is numbers and a date only, and each day's copy is deleted after 100 days.

Late and excused chores. We count how many chores a child finished late. When a grown-up excuses a missed chore, we keep that it was excused, by which grown-up, and when, for 100 days.

Chore categories. Each chore can have one of six categories, such as household or helping others. This is about the chore, not the child.

Borrowing. If you turn on borrowing for a child, we keep their borrowing limit, what they owe in Bamboo Bucks, when it is due, and whether each payment was on time. Payment dates are deleted after 100 days. Bamboo Bucks are not money, and nothing about borrowing is ever reported to a credit bureau.

Wishes. We count how many wishes a child has used, from 0 to 3.

Photo proof. Photos are off until you turn them on for a child. When you do, we keep a record of your consent: which grown-up turned it on, when, and which version of the notice they saw. With photo proof on, a child can add a photo of the chore area before they start, as well as after. Both photos are deleted on the schedule in the table below. Turning photo proof off deletes that child's photos at once. Photos are never in our backups.

Offers. If you turn on Offers for a child, they can suggest a chore and a reward, and you can say yes, no, or offer something else. We keep each offer exactly as it was made (up to 120 characters), who made it and when, so your family has a fair record of what was agreed. Offers are not changed or removed while the child is in your family.

The Money Meeting. We keep a record of each meeting: when it started and finished, each child's score before and after, the chores you reviewed, the payouts you ticked, the goal picked, and any note you write about a child (up to 500 characters). Only your family's grown-ups can read it. Your notes are never shared with anyone, never sent outside Kiddie Kredit, and never used for analytics. We also keep the day and time you choose for the meeting, so we can remind you.

Update notices. We keep the dates we emailed your family and sent a notification about updating to 3.1.

None of this is used for advertising, sold, or used to train AI models.

How we use information

We use information only to provide the Service to your family and keep it secure.

• To run your family account: chores, approvals, scores, streaks, badges and rewards.
• To verify that you are over 18 and your child's parent or guardian.
• To show task completion to a partner organization, where you have enrolled your child with it.
• To send the notifications and emails you choose to receive, and the notices we must send you.
• To process Family Plus subscriptions and gift-card rewards.
• To respond to your questions and support requests.
• To authenticate users, prevent fraud and misuse, and meet our legal obligations.

We do not sell personal information collected through the app or portal, or share it with data brokers or advertising networks. The app shows no advertising. We do not use children's information for behavioral advertising or to build profiles.

We do not ask a child for more information than an activity reasonably needs.

How we share information

We share information only in the ways this section describes. We never make children's information public, and we never sell it.

Within your family. Parents and guardians on your family account can see your children's information. Other families using Kiddie Kredit never see it.

Partner organizations, only with your separate consent. A parent can enroll a child with a partner organization, such as an after-school club, using that organization's join code. Staff at that organization can then see:

• your child's first name, avatar, reading setting and an account identifier;
• an age band worked out from the date of birth, never the date itself;
• the groups your child is in at that organization;
• your child's progress on that organization's tasks, including when each was submitted and due, and any note your child submitted with it. Organizations never see your child's chore photos;
• the date you gave consent and the policy version you accepted;
• your child's score band, only if you choose to share it.

Organizations never receive your child's date of birth, rewards balance or exact score, your name or email address, or any activity outside their own tasks. Organizations agree to use what they see only to run their program, and to protect it at least as well as this policy does.

Enrolling is a separate consent, and it is optional. You can agree to our collecting and using your child's information without agreeing to share it with any organization.

You can end the sharing at any time by removing the organization in the app. That withdraws your consent and removes the organization's tasks from your child's list. Staff lose access to your child's information, including past tasks, the next time their portal loads.

A portal page already open may show old information until it refreshes. Staff can download a list of rewards they have fulfilled, and we cannot recall a list or photo once someone saves a copy. We keep a record that you withdrew consent, and when.

Service providers. These companies help us run the Service. They may use information only on our instructions, and must protect it at least as well as this policy does.

The app contains no analytics, advertising, attribution or tracking software. Our website does use them, as described in "Our website and changes to this policy".

Legal, safety and business transfers. We may disclose information when the law or legal process requires it. We may also disclose it to protect a child's or anyone's safety, to protect the Service against fraud or security threats, or to enforce our Terms.

If Kredit Academy is acquired or merges with another company, information may transfer with the business. We will notify you before your information becomes subject to a different privacy policy.

Inside our company. Kiddie Kredit is part of Kredit Academy. To understand how families use borrowing, a daily summary of borrowed Bamboo Bucks and repayments goes to Kredit Academy's own internal systems, which run in our own cloud accounts. It uses coded ids in place of names, and it never includes Money Meeting notes, Offers, photos or score history.

When your child turns thirteen

When your child turns thirteen, their Kiddie Kredit account closes. We notify you thirty days before their thirteenth birthday and again seven days before. You can still see a snapshot of their progress until we delete their information, 90 days later.

Kredit Quest, our product for teenagers, is also run by Leaping Harts, Inc. dba Kredit Academy and has its own terms and privacy policy. Nothing from Kiddie Kredit passes to Kredit Quest. If we add a way to carry progress over, we will ask for your consent first.

Parental consent

We obtain verifiable parental consent before we collect, use or share a child's personal information. A child cannot create an account.

A parent creates the family account in their own name and accepts this policy. When you sign up, we verify that you are over 18 and your child's parent or guardian, and that verification stays with your profile. Only then can you add a child.

We record which version of this policy was accepted, by whom, and when, and you can see that record in the app.

Enrolling a child with a partner organization is a separate, explicit consent. It names the organization and what its staff will see, and you can withdraw it at any time.

You can withdraw any consent, or ask us to stop collecting your child's information, as described in "Your choices: review, export and delete".

Family Plus and gift-card rewards

Only a parent's account can buy Family Plus or add money for gift-card rewards. Children see Bamboo Bucks, not money, with one exception: if a parent sets a dollar value for Bamboo Bucks, the child's wallet shows that one dollar line.

Family Plus. Family Plus is an optional paid subscription, bought through Apple or Google. They process your payment under their own privacy policies and never give us your card details. They tell us about your subscription, such as the plan, whether it is active and when it renews.

Gift-card rewards. Gift-card rewards are not available yet. When they launch, you will add money with Apple Pay or a card handled by a payment provider, and a partner will issue the gift cards. We will name both in this policy first.

We will keep a record of each amount you add, each gift card bought, which child received it, and your rewards balance. The record includes the card brand, its last four digits, provider reference numbers and encrypted gift-card codes, never your full card number.

We collect and retain parental verification data, transaction history, and account balances to facilitate secure in-app reward generation, comply with children's online privacy and consumer protection regulations, and fulfill state unclaimed property reporting requirements.

Notifications and device identifiers

If notifications are allowed on a device, including your child's, we store an identifier for that device so we can send them. We delete it when that device signs out.

Notifications can include a child's first name and text a parent typed, such as a note on a chore sent back for another try. Expo sends them for us through Apple's and Google's notification services, so their content passes through those companies. We use the identifier only to deliver notifications about your own family.

Each device's own settings decide whether notification text shows on a locked screen. You can turn notifications off at any time in your device settings.

How long we keep information

We keep children's information only as long as we need it for the purposes below. We never keep it indefinitely, and you can delete it sooner at any time.

An account is inactive when no parent has signed in for 12 months. We email you 30 days before deleting an inactive account, and signing in keeps it. A child whose access is paused follows the same rules.

After the seven-day hold on a deletion, we purge the information from our systems. Copies in our database backups are gone within 12 months after that.

Your choices: review, export and delete

You can review, correct, export or delete your family's information at any time. You can also withdraw consent and stop us collecting your child's information.

Review and correct. You can see and correct your family's information in the app.

Export. From Privacy & data in the app, you can request a copy of everything we hold about your family. We email it to you.

Delete. You can delete a single child, or your whole family account, from Privacy & data in the app. The app asks you to confirm first.

• Deleting a child removes them right away and cannot be undone. You can add your child again as a new profile.
• Deleting your family account makes it unreadable right away. For seven days you can reverse this by signing in, and everything returns as it was. After that, it is permanent.
• Either way, organizations lose access to your child's information.

We keep the rewards-fund ledger and gift-card orders for 7 years, or longer where unclaimed property law requires, with your child's name removed. Apple, Google and any payment provider keep their own records of purchases under their own policies.

Withdraw consent. You can withdraw your consent at any time. We will then stop collecting your child's information and delete it, and your child will no longer be able to use the Service.

Email and phone. Requests about your family's information are made from the parent account in the app, so we know they come from you. If you email or call us, we will point you to the right screen. If you cannot sign in, we will help you get back into your account first.

Security

We follow a written information security policy that protects the confidentiality, security and integrity of children's information. We limit access to people who need it, and we release information only to providers and organizations that commit to protecting it.

No system is perfectly secure, so we cannot guarantee that unauthorized access will never happen. If we learn that your information was accessed without authorization, we will notify you using the contact details on your account.

Our website and changes to this policy

Website. kiddiekredit.com is for parents and organizations, not children. It uses Google Analytics, Microsoft Clarity and the Meta Pixel to understand how visitors use the site and to measure our marketing.

These tools may set cookies and collect details such as pages viewed, clicks and scrolling, browser and device type, and IP address. They are not part of the Kiddie Kredit app and receive no information from it. You can block these cookies in your browser settings.

If you use a form on the site, we collect what you enter, such as your name, email address, phone number and message. We use it only to reply to you. Webflow hosts the site and stores form submissions for us.

Do Not Track. The companies behind these tools may collect information about your visits to our website and your activity on other websites. Our website does not respond to browser Do Not Track signals. The Kiddie Kredit app does not track you across other apps or websites.

Changes. We post every change here with a new effective date, and keep earlier versions linked at the end of this policy.

Before a material change to how we collect, use or share children's information, we notify you directly. The change does not apply to your child's information until you consent.

If you used the previous Kiddie Kredit app. Kiddie Kredit has been rebuilt, and nothing from the previous app carries over. Every family accepts this policy when they sign up. All information from the previous app, including copies held by the services it used, has been deleted.

Contact us

For questions about this policy or your family's information, contact Kredit Academy, which operates Kiddie Kredit.

Leaping Harts, Inc. dba Kredit Academy, 1111 Brickell Ave., 10th Floor, Miami, FL 33131

Phone: 855-5-KREDIT (855-557-3348)

Email: support@kreditacademy.com

Previous versions:Privacy Policy effective August 2, 2021

© 2026 Leaping Harts, Inc. dba Kredit Academy. All rights reserved.