What GuardNIL University is, in plain words.

GuardNIL University helps a family turn a promise into a real agreement. A parent picks what their child will work on. The parent picks how much money backs it. When the work is done, the parent approves the payment, and the money moves into a savings balance we call the e-wallet.

That is the whole idea. A child does chores, studies, serves their community, and gets better at their sport. A parent already pays for some of that. We give the family one place to write it down, one place to track it, and one place to move the money.

This is the most important thing on the page, so we will say it first and say it plainly.

• Your child never gets a password. There is no login for them to use.
• Your child never types anything into the app. Every word about your child is typed by you.
• We never ask your child a question. No surveys, no quizzes, no profile for them to fill in.

We built it this way on purpose, and it is the single decision that makes the rest of this document short. Most of the hard questions a school district asks about an app are questions about a child's account: how it is kept safe, who can reach the child through it, what the child might type into it. One adult account per family answers all of them the same way. There is no child account for any of that to happen in.

That is why a league or a district can adopt this without a review of how we handle a child's own data. There is none to handle.

1. 1

   Make an account with your email and a password.

   One grown-up sets it up. You pick a password of at least eight characters. You can add a second parent later, and that second parent can look but cannot move money.
2. 2

   Tell us your birthday and where you live.

   We ask for your state because some states have extra rules for families. You pick your city from a list instead of typing it, so the state is always right.
3. 3

   Say whether anyone on the account is under 13.

   If yes, we walk you through an extra permission step first. The law calls that step verifiable parental consent. It is explained on the privacy page.
4. 4

   Build the family agreement.

   You pick the five things your child will work on, how much money backs the agreement, and how often it pays. You do this in a step-by-step form.
5. 5

   Add your child by name.

   You type your child's name. Your child does not do this and never sees this screen.
6. 6

   Link your bank, or skip it for now.

   You link your bank through Stripe. We never see or store your bank login or your account number. You can skip this step and come back to it.
7. 7

   Watch the countdown and the balance.

   Your dashboard shows how long until the next payment and how much is in the e-wallet. Those are the two numbers families actually check.
8. 8

   Approve the payment when the work is done.

   You press approve. Then our server checks everything again on its own before a single dollar moves. Pressing the button is not what makes it happen.

Here is the full list. If something is not on this list, we do not have it.

• What

  Your name and email

  Whose

  The parent

  Why we have it

  So you can sign in and so we can email you.

• What

  Your birthday

  Whose

  The parent

  Why we have it

  To confirm the account holder is an adult.

• What

  Your city and state

  Whose

  The parent

  Why we have it

  Some states have extra rules for families. We follow the rules of your state.

• What

  Your child's name

  Whose

  The child

  Why we have it

  So the app can say who the agreement is for. You type it, not them.

• What

  Your child's birthday

  Whose

  The child

  Why we have it

  You type it during setup. We say plainly on the agreement page that we keep more of this than we want to, and what we are doing about it.

• What

  The family agreement

  Whose

  The household

  Why we have it

  What your child is working on and how much money backs it.

• What

  Progress on the agreement

  Whose

  The household

  Why we have it

  Which parts are done, so we know when a payment can go through.

• What

  Your e-wallet balance and payment history

  Whose

  The household

  Why we have it

  So you can see the money.

• What

  A yes-or-no flag that says your bank is linked

  Whose

  The parent

  Why we have it

  Stripe holds the real bank details. We hold the last four digits, the bank name, and whether it is verified.

A review is worth more when we tell you the gaps instead of letting you find them. Four things we want you to know up front.

• One feature uses AI, and you always decide. The encouragement screen writes a short note for your own child. You read it and you send it. It never reaches your child on its own.
• Finishing one pillar does not release part of the money. Every part of the agreement has to be done before the payment can be approved. It is all or nothing, not a slice at a time.
• Our safety tests found five real problems. We wrote thirteen tests that try to break into data they should not reach. Until 9 August only one of them was a real check and the rest could not fail. They now sign in as real people and run against the live database. The first honest run found five problems, one of them serious, and all five are closed. Every one is written out on the compliance page, including the fix that ran without error and changed nothing.
• No outside lawyer has signed off yet. Our founder signed off. A children's privacy certification is written up and ready but has not been submitted.

Each page below answers the same five questions in the same order: what it does, how it works step by step, what data it touches, what a parent sees, and what happens if something goes wrong. Each page has its own web address, so you can be sent straight to one part.