Requirement status

The parent/guardian shall be the household owner and control child enrollment, consent, age band, and communication settings.

Acceptance: A child under required consent age cannot activate independently.

Children have no accounts; only the guardian can start kid mode, and only for consented profiles; leaving kid mode needs the household PIN.

Parents shall be able to create and manage multiple child profiles with age-appropriate experiences.

Acceptance: One household can support siblings without sharing progress incorrectly.

Multiple child profiles (Mia 8–12, Leo 13–15) with separate progress and age-appropriate content; add-child flow.

Parent onboarding shall explain what the program teaches, what data is collected, what the CU can see, and what remains private.

Acceptance: Consent screen uses plain language and explicit data categories.

Add-child consent screen lists what's collected, what the CU sees and what stays private, in plain language.

Parents shall receive one concise “conversation prompt” for each mission.

Acceptance: Parent prep is typically possible in under three minutes.

One conversation prompt per mission with prep under three minutes.

Parents shall receive optional real-world activity suggestions but shall not be required to reveal bank balances or income.

Acceptance: Activities can use fictional/play money.

Optional activities with a play-money/no-spend alternative; no balances or income requested.

Parents shall be able to choose family priorities such as planning, spending, saving, earning, future choices, digital money, or big decisions.

Acceptance: Recommendations can use parent-selected topics without inferring sensitive traits.

Family priorities and topic choices rank kid-home suggestions ahead of sponsor featuring; inputs are guardian choices, lab follow-ups and the child's own progress only, and parents see the reasons in plain language. Unit-tested.

Parents shall be able to approve, hide, or postpone topics that do not fit their family context.

Acceptance: A hidden topic does not continue to surface as a required task.

Include / prioritize / not yet / hide per topic; hidden and postponed topics never surface to the child.

Parents shall see child skill progress with evidence labels and plain-language explanations.

Acceptance: Dashboard distinguishes “completed in app” from “practiced at home.”

Passport separates “Completed in app”, “Practiced at home” and “Money Lab” evidence with explanations.

Parents shall not be given diagnostic labels such as “spendthrift child,” “impulsive child,” or psychological risk scores.

Acceptance: Behavioral science informs design but is not presented as a diagnosis.

No diagnostic labels anywhere; the tone gate flags labels such as “spendthrift”.

Parents shall be able to book Innorve live cohorts, workshops, and family Money Labs from within the experience.

Acceptance: Available sessions show age band, facilitator, date/time, format, capacity, sponsorship, and requirements.

Book Money Labs in-app with age band, facilitator, date/time, format, capacity, sponsorship and requirements shown.

Parents shall be able to register one or more children for a sponsored cohort without entering payment when the CU covers the seat.

Acceptance: CU-sponsored seats display $0 and sponsor identity.

Book one or more children with no payment step; seats show $0 and the sponsoring CU.

Parents shall receive cohort reminders, preparation guidance, post-session recap, and follow-up missions.

Acceptance: Booking lifecycle is visible from the parent dashboard.

Booking timeline is visible from the parent dashboard. The scheduler sends prep three days before, a reminder the day before, a push 15 minutes before, and the recap two hours after the session ends. Preferences, quiet hours (9 PM–8 AM) and SMS STOP still apply. A child is never a recipient.

Parents shall be able to request deletion/export of covered child data and close a child profile subject to applicable retention obligations.

Acceptance: Privacy controls are available without contacting sales.

In-product JSON export, close profile and immediate deletion, recorded as privacy requests.

Parents shall be able to initiate contact with their credit union for relevant family financial resources, but child learning behavior shall not auto-trigger sales.

Acceptance: Product/referral actions require explicit adult initiation.

Adult-directed resource cards are separated from missions; a referral is recorded only when the adult asks.