You must be at least 13 to use Apple's services, and if you set up Family Sharing, the adult organizer is financially responsible for all purchases — including app and in-app purchases — made by children in the family group.
This analysis describes what Apple Pay's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Parents who set up Family Sharing may be held liable for significant unexpected charges from children making in-app purchases, as Apple holds the family organizer financially responsible regardless of whether purchases were authorized.
Family organizers face financial liability for all purchases made by minors in their Family Sharing group, including potentially large in-app purchases in games, which may be difficult to dispute or reverse under Apple's no-refund policy.
How other platforms handle this
Our Products are not directed to children. You must be at least 13 years old to use our Products. If you are under 18, you must have your parent or legal guardian's permission to use our Products and they must read and agree to these Terms on your behalf.
To be eligible to use the Venmo services, you must be a resident of the United States and at least 18 years of age. By accepting these terms, you represent and warrant that you meet the eligibility requirements. If you do not meet these requirements, you may not use the Venmo services.
You may not use Runway's tools to create content that promotes, glorifies, or facilitates acts of terrorism, mass violence, or genocide, or that could be used to provide material support to individuals or organizations engaged in such activities.
Monitoring
Apple Pay has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 10 platforms.
"You must be at least 13 years old to use the Services. Apple's Family Sharing feature allows a family organizer to share purchases, subscriptions, and Apple services with up to five family members. The family organizer is responsible for all purchases made by family members under the age of 18.— Excerpt from Apple Pay's Apple Media Services Terms
REGULATORY FRAMEWORK: The 13-year minimum age threshold is set in accordance with COPPA (Children's Online Privacy Protection Act, 15 U.S.C. §6501 et seq., 16 CFR Part 312), which restricts collection of personal information from children under 13 without verifiable parental consent — enforced by the FTC. For EU/EEA users, GDPR Art. 8 sets the digital consent age at 16 (or lower if member states have set a different threshold, minimum 13), requiring parental consent for processing data of children below that age. The FTC has brought multiple enforcement actions against platforms for inadequate COPPA compliance, with fines reaching into the tens of millions of dollars.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Watcher: 10 platforms + same-day alerts. No credit card required.
Professional Governance Intelligence
Need to monitor specific governance provisions?
Professional includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Parents who set up Family Sharing may be held liable for significant unexpected charges from children making in-app purchases, as Apple holds the family organizer financially responsible regardless of whether purchases were authorized.
Family organizers face financial liability for all purchases made by minors in their Family Sharing group, including potentially large in-app purchases in games, which may be difficult to dispute or reverse under Apple's no-refund policy.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Apple Pay.