The terms you confirm are the terms that apply.

• Quote before confirmBefore you send, cash out, or pay a shop, the review screen shows the amount, the fee, and the exchange rate for that quote. That is the figure that moves. We do not publish a standing rate or a fee on this website, because both change and a printed number would be wrong.
• One debitWhen someone at home pays from their wallet, you are notified. That notice is the record of their payment. It does not take the money out of your balance a second time.
• Cash is not clearedThe monthly amount is a spending limit for that family member, not a balance that expires. Cash left in the wallet stays there. When the month changes, the limit is available again. The cash is not cleared.
• Notice before the capYou are notified when a family member pays. When about 10% of that member’s monthly allowance is left, you and they are both warned, so there is time to talk before the cap is used up.
• Verified firstEmail and phone are each confirmed with a code. Until both are confirmed, no wallet is created. A payment asks for the PIN. A bank payout waits until identity verification is complete.
• Only what we runYou can fund a wallet, set a monthly limit, send, let family spend or pay a FamLink shop, cash out to a bank, or collect cash where an agent is listed. We do not offer a scheduled autopay, a prize savings draw, or a grocery parcel.

If a screen in the app does not match this page, trust the screen for that transaction and write to info@famlinkwallet.com.