By using Money Matters you agree to our
and acknowledge our
.
Accounts and progress are stored encrypted so you can sign in from any device; we never sell them.
To print: open any document station, then tap Print / Save PDF. Everything is formatted for clean printing.
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Kindergarten · Lessons
Lessons
Teacher/Parent mode: review the objective and teaching sequence, prepare guided practice, check understanding, then preview or print the student worksheet.
Voice ready.
1Today's goal
2Learn
Teach
3Words to know
✓Materials ready check
4Practice
🔔 Let's Get Ready
A quick start to connect today’s idea to real life.
Choose the best answer for each question, then press Submit to see your score and prize.
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Achievement
Prizes & Certificate
Earn medals by passing quizzes, then print or download your certificate.
Your Certificate
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Money Matters · Session
Your Session
Who is signed in on this tab, your sign-in details, and quick ways to switch.
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Your account and progress are saved on this device, in this browser. Everyone signs in with a username and password; students use their 6-character sign-in code. Nothing is sent to the internet.
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Learning Path
Your Learning Path
Follow the weeks in order. Green ✓ means the lesson's quiz is passed.
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Section Test
Section Test
A comprehensive multiple-choice checkpoint. Pick one answer per question, then submit.
⚙️
Help & settings
Settings
Language, reading, sound and display. Saved on this device.
Language
Text & colors
Sound & motion
Learning help
This device: speed, data and backup
Back up progressProgress is saved on this device. Back it up before clearing browser data or switching devices.
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Glossary
Money Words
Every vocabulary word for this grade, in one place.
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Story Mode · Decision Lab
Make the Choices
A guided money story in four acts. Make decisions, see the consequences, pass checkpoints, and reflect on your path.
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Teacher / Parent · Teaching Workspace
Teach, Review & Support
Instructor-focused lesson planning, student progress, printable resources, answer guidance, and next teaching steps.
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My progress
My progress
Your progress, your next step, and your prizes — all in one place.
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Money Matters · Financial Profile
Financial Literacy Assessment
Grade-level assessment of knowledge, application, reasoning, and reflection.
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Money Matters · Administration
Admin Console
Users, students, teachers, classes, curriculum, reports, security, data, and settings.
📡 No internet connection — app is running from local cache
✓ Progress saved
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Money Matters · Legal & Help
Privacy, Terms & FAQ
What the app stores, where it goes, how sign-in protects it, and answers to common questions.
Effective date: January 2026 | Last updated: November 14, 2026 | Last reviewed: November 14, 2026
Money Matters is a Pre-K to grade 8 financial literacy program for classrooms and families. This policy explains what information we collect, where it is stored, who can see it, and how to have it deleted. How your information is stored depends on how you use the program:
Website with an account. A teacher's or parent's roster, and each student's progress, are stored encrypted on our server. A copy is also kept in the browser of each device used, so the program works offline and your work follows you to any device.
Free sample. No student information is collected. We record that a sample was opened, with the role and grade chosen (and the username of a signed-in account), plus anonymous usage counts.
Downloaded copy of the app. Everything stays on that device. Nothing is sent to us.
We do not sell student information and do not use it for advertising. Students never see ads or sponsor messages. Section 4 lists every case in which information leaves a device.
1. Who we are
Money Matters is a Pre-K–8 financial literacy curriculum for classrooms and families. It runs in a web browser: on our website, where lessons are sent from our server, or as a downloaded copy that runs entirely on the device. Either can be installed as an app on a phone, tablet or Chromebook.
2. Accounts
On the website, any adult (a teacher, a parent or family, or a school or district leader) can create an account and sign in from any computer, tablet or phone; no approval is needed. Students do not create their own accounts: a teacher or parent adds them and gives them a username and a sign-in code. Each account's work is kept separate. Accounts are stored on our server (Supabase) as described below; a copy also lives in the browser of each device the person uses, so the app keeps working offline. In a downloaded copy of the app, accounts exist only on that device.
Administrator: one for the whole website. Username, display name, optional email, and password and security answers stored only as PBKDF2 hashes. Manages access codes, sees who signs up and signs in (Activity), and can reset, lock or delete any account.
Teachers, parents and school leaders: name, username, email (used to send a welcome note with first steps, a password-reset code, and security notices: a sign-in on a new device, a sign-in after 30 days or more away, a changed password or email address, and several wrong passwords in a row), password as a PBKDF2 hash, the grades they teach, their school and district if given, when the account was made and last used. A teacher's or parent's roster of students is linked to their account.
Students: a username, the 6-character sign-in code as a PBKDF2 hash, grade, and the student's record: name, teacher or class, lesson and quiz progress, checkpoint results, assessment results and written reflections. The record is encrypted (AES-256-GCM) with a key that exists only on the website's server, so it is never stored in readable form in the database. No email address is collected from students.
Security questions: everyone chooses a security question once (adults choose two), the first time they sign in without one, or presses Later to choose next time. Someone who already has one is not asked again. Only the question and a salted PBKDF2 hash of the lower-cased answer are kept, on the device and on our server; nobody, including the administrator, can read an answer.
Signing in or out, creating an account, resetting a password, trying the free sample and unlocking an access code are recorded for the administrator with the time, the account's username, role and grade, and a short description. No IP addresses are stored. Each sign-in also records the approximate place and the kind of device, so we can detect sign-ins that were not expected: when an adult signs in, the city, region (state), country and time zone, and the browser and device type; when a student signs in, only the region (state), the country, and the browser and device type. The place is worked out by our hosting provider, Cloudflare, from the network connection (no GPS and no location permission). The browser and device are described in words (for example "Chrome on Chromebook"). A security notice email to an adult names the same browser and place. To know whether a device is new, the server keeps a scrambled (hashed) form of the random device number the browser made, for up to 400 days.
Schools, families and other features
Schools and school leaders: the administrator can group accounts into a school and name a school leader (a principal or coordinator). A teacher joins a school only by entering the school's join code. The school leader then sees, for the teachers in that school, how many students they have and a summary of progress (lessons and checkpoints passed, quiz averages, minutes this week, last active), and can open one class's list of students with those numbers. This is access by a school official with a legitimate educational interest. Leaders cannot change student records or see reflections or answers. A teacher can leave the school at any time.
Weekly family email: parent and family accounts with an email get one short summary each Sunday of what their own children did that week and a money conversation to try at home. It is on by default for these adult accounts; every email has a one-click unsubscribe and the switch is under My profile. Students never get email.
Error reports: when the app runs into an error in a browser, the website receives the error message (with email addresses, codes and long numbers removed), the screen it happened on, the kind of account (student, teacher…) and the browser family, so we can fix it. No name, username, answer or IP address is kept with it.
Reviews: teachers and parents may share a review. It is published on our website only if the person ticks that they agree, and with their name only if they tick that too.
Gradebooks: a teacher may type a student's school ID or school Google email so scores can be exported to the school's gradebook. When the school adds Money Matters to Canvas or Schoology (LTI 1.3), the LMS's user ID is linked to the student's account once, and the score for that assignment is sent to the school's gradebook. "Send to Google Classroom" works inside the teacher's own Google account; Money Matters does not keep the Google sign-in.
Sponsors: a bank, credit union or business may pay for a school's access codes. Teachers and parents on those codes see "Provided by …". Sponsors receive only anonymous totals (codes activated, schools, how often the program was opened), never information about students, and students never see sponsors.
3. What is stored on the device
The app uses the browser's own storage (localStorage, sessionStorage and the offline cache) on the device in use. Depending on which features are used, it may store:
Student first names (or nicknames), grade levels, class and teacher assignments, and sign-in codes
Staff names, usernames, roles, and passwords stored as salted SHA-256 hashes (not as plain text)
Lesson progress, quiz and test scores, medals, worksheet answers, reflections, and Financial Literacy Profile results
Game Show results, workshop attendance, workshop check-in and check-out scores, and certificates earned
A sign-in log for the device (who signed in, failed attempts, lockouts) so the administrator can review access
Feedback you write in the Feedback panel, with basic diagnostic details such as screen size and app version
Settings: school name, language, accessibility options, sound, timers, week locks, and notices
Server settings for live games, if a teacher enters them (see section 4)
A service worker keeps a copy of the app itself in the browser's cache so it works offline. That cache holds the app only, not student information.
4. When information leaves the device
The app contains no advertising network, no third-party behavioral tracking and no tracking cookies. Information leaves a device only in the cases listed below. Each case is started by an adult, except account sync on the website (which happens when a signed-in person uses the program), the sign-in records described in section 2, error reports, and anonymous usage counts.
Live Game Show on phones (school server mode). If a teacher enters their school's own Supabase project in Live game settings, players' nicknames and answer choices are passed through that project in real time while a game runs. The school controls that project. Money Matters does not save these messages, and students do not need accounts. Teachers should ask students to use first names or nicknames. The "This device only" mode sends nothing over the internet.
Resource Guide links. The guide lists outside websites (for example, government and nonprofit sites). Opening a link takes you to that site, and that site's own privacy policy applies. Money Matters does not send anything to those sites.
Backups and exports. Backups, CSV gradebooks, reports and printouts are files you download or print. Where they go after that is up to you.
Messages, documents requests and feedback. On the website, a message or a documents request from the website's forms, and feedback from a signed-in teacher, parent or administrator, is sent to our server, kept with our requests and emailed to our support address so we can reply: the adult's name, email, school, role and message. Students' feedback stays on their device. In a downloaded copy with a support email address set, sending feedback opens your own email app with the message filled in; nothing is sent until you press Send in that app.
Buying online (hosted copies). Card payments are handled by Stripe, which receives the card details; we never see them. We receive and keep the school or family name, the buyer's email address, the plan, the workshops and the number of student seats bought, so we can issue, renew and support the access code. Stripe's own privacy policy applies to the payment. No student information is involved.
Subscribe and quote requests (hosted copies). When an adult asks to subscribe or for a quote, we keep their name, email, school or family name, what they asked for and their message, and email it to our support address so we can reply. No student information is asked for.
Accounts (hosted copies). Creating an account, signing in, syncing a roster or a student's progress, and resetting a password send that information to the website's server over HTTPS, as described in section 2. Teachers and parents receive a welcome email and, when they ask, a password-reset code; the administrator receives a notice of each new account. Email is sent through Resend.
Access codes (hosted copies). For each access code, the website's server keeps the school or family name, a contact email if one was given, the plan, the workshops included, the number of student seats, its dates, and counts of how often it is used. Each code works on one device: the server keeps a random identifier for that browser (not a name, serial number or location) so a code cannot be passed around. The code itself is stored only scrambled.
Hosted copies: unlocking the full program. The free edition online includes week 1 of every grade. To unlock the rest, an adult enters a school access code, or signs in as described next. The code (or a device token) is sent to the website's server, which checks the school's license and sends back the lessons. No student information is sent with it.
Sign in with Google, Microsoft or Facebook (adults only, hosted copies only). If a teacher, parent or administrator chooses this, that company shares their name and email address with the school's sign-in service (Supabase Auth). The server uses the email only to find the matching account on the device and to check whether a school license covers it. The device then keeps a device token instead of a password; we never see the person's provider password, contacts or posts. Students cannot use these buttons, because these companies do not allow personal accounts for children under 13. (A website operator can also turn on Facebook for adults.)
Sign in with Clever or ClassLink (school accounts, hosted copies only). Schools that use Clever or ClassLink can let students and staff sign in with their school account. The school's district shares, through Clever or ClassLink, the person's role, name and district, and for adults their school email. The website's server uses these only to find the matching account on the device and to check the district's license, and then forgets them; a student's email is never used. The device keeps a private link to the school account (not the Clever or ClassLink id itself) so the student can sign in with it next time.
Class sync (licensed schools, only if the administrator turns it on). Class sync keeps a class's roster and progress the same on the class's devices. Everything is encrypted on the device before it is sent (AES-256), with keys that never leave the school's devices, so the server stores only scrambled data: it cannot read a name, a sign-in code or a score. Each student's record has its own key; a student device can open only the record of the student who signs in on it, with their own username and code. The administrator can disconnect a device, or delete the class from the server, at any time.
Anonymous usage counts (hosted copies). The website counts, per day, how often each lesson, quiz, workshop and game is opened, so it can be improved. Only the day, the name of what was opened and a number are sent; nothing identifies a person, a device or a school, and no cookies are used. An administrator can turn this off for a device in Admin Console → Settings. If the website's operator turns on Cloudflare Web Analytics, page visits are also counted by Cloudflare, which uses no cookies or local storage and does not fingerprint visitors.
Free trial requests (hosted copies). When an adult asks for a free trial on the Start a free trial page, we keep their name, role, email, the school's name and district, the approximate number of students, the grades, how many devices they want to test on, what they want to try and their message, and email it to our support address so we can reply. If we start a trial, we also keep the trial's dates and which reminder emails were sent (a week before it ends, on its last day, when it ends, a check-in halfway, and a reminder if the code has not been used), and we remember the email address and the school's email domain so each school receives one free trial. Nothing about students is asked for.
Quote requests. If a school asks for a quote on the website's Get a quote page, the school's name and the adult contact's name, email and phone are kept so the request can be answered. Nothing about students is asked for.
Sponsor messages (free edition online only). Students never see ads or sponsor messages, including on the sign-in screen, during games and in printouts. The free edition online may show a small, clearly labeled "Sponsored" card to signed-in adults on their home screen and in the Resource Guide. Sponsor cards come directly from sponsors, not from an ad network: they are plain links, nothing is recorded or sent when one is shown, clicking one opens the sponsor's own website, and a school license removes them.
5. Children's privacy and student data protections
Money Matters is meant to be used by children with a teacher, parent or guardian. It shares children's personal information only with the service providers and school tools described in section 4 (for example hosting, the database, and a school's own sign-in or live-game service), never with advertisers, and it does not build profiles for advertising. A student's account holds only what the program needs: a name or nickname, a grade, a username, a sign-in code, a security question and their work. The school or family decides what is entered, who can see it, and when it is deleted: a teacher or parent removes a student from their roster, or asks us to delete the account, and the record is deleted from the server.
Our commitments for student information
Education only. Student information is used only to run the program for the school or family: lessons, progress, reports and sign-in. It is never sold, rented or traded, never used for targeted advertising, and never used to build a profile for any purpose other than the student's learning in Money Matters.
Collect the least. No student email address, phone number, home address, photo, voice recording, precise location or IP address is collected. Students can use a first name or a nickname.
No ads or trackers for students. Students never see ads or sponsor messages, and the app contains no advertising network or third-party tracking code.
Protected in storage and in transit. Student records on our server are encrypted (AES-256-GCM); sign-in codes, passwords and security answers are stored only as salted hashes; everything travels over HTTPS. The Security tab lists each layer.
Limited access. Only the student, the teacher or parent whose roster the student is on, and the website's administrator can see a student's individual work. A school leader can see summary progress (lessons and checkpoints passed, quiz averages, minutes this week) for the teachers in their school, and a district leader the same for the schools in their district, and can open a class list with those numbers. School and district leaders cannot change student records or see reflections or answers.
Service providers. Our service providers (Cloudflare for hosting, Supabase for the database, Resend for adult emails and Stripe for adult payments) process data only to provide their service to us. Student records are stored in the database only in encrypted form; the key is kept on the hosting side, not in the database.
Review, correct and delete. Parents and eligible students can ask to review the student's information, correct it, or have it deleted, through the school (for classroom use) or directly (for family accounts). When a teacher or parent removes a student, or an account is deleted, the student's record is deleted from our live database at once; copies on the school's own devices are removed there. Section 7 explains backups.
If something goes wrong. If we learn that someone got into student information on our server without permission, we will tell the affected schools and families without unreasonable delay, explain what happened and what we are doing about it, and meet the notice rules of the state law that applies.
COPPA (Children's Online Privacy Protection Act)
Many students are under 13. In a classroom, the school may give consent for the collection of student information on parents' behalf, as long as the information is used only for the school's educational purpose and for no commercial purpose; at home, the parent or guardian creates and controls the child's account. The FTC's amended COPPA Rule (published April 22, 2025; in effect June 23, 2025; full compliance required by April 22, 2026) asks operators to keep a written information security program and a written data retention policy. Ours are the Security tab and section 7 below. A parent can at any time review the child's information, have it deleted, and refuse further collection, without losing access to anything the child does not need to share. Students cannot use Google, Microsoft or Facebook sign-in.
FERPA (Family Educational Rights and Privacy Act)
When a school uses Money Matters, student records are education records that stay under the school's direct control. We act as a "school official" with a legitimate educational interest: we use the records only to provide the service the school asked for, we do not disclose them to anyone else except as the school directs or the law requires, and parents exercise their FERPA rights (to inspect, to ask for corrections) through the school.
PPRA (Protection of Pupil Rights Amendment)
The lessons, reflections and Financial Literacy Profile are about money knowledge and skills. They are not designed to ask students about the protected areas the PPRA names, such as political views, religion, mental health, sexual behavior, illegal behavior, family relationships or income for program eligibility. Family Talk prompts are for families to discuss at home, and nothing a family says is collected.
State student-privacy laws
Many states have their own student-privacy laws, for example California's Student Online Personal Information Protection Act (SOPIPA), Illinois' Student Online Personal Protection Act (SOPPA) and New York Education Law 2-d. Their common rules (no targeted advertising, no selling, no non-educational profiles, reasonable security, deletion on request, breach notice) are the commitments listed above. A school or district that needs a signed data privacy agreement can ask for one before it adds students.
Schools should still confirm that their own use, including any live-game server, Clever or ClassLink sign-in and class sync, fits their district policies and the laws that apply to them.
6. Who is responsible for the data
The school or family that controls the device is responsible for who can use it, for the backups they download, for any live-game server they connect, and for deleting data when it is no longer needed. The Security tab explains what the sign-in system does and does not protect against.
7. How long data is kept and how to delete it
Retention. Student information is kept only while the student's account is in use by the school or family. On our server, a student record is deleted as soon as the teacher or parent removes the student, or the account is deleted. When a school's license ends, the class rosters and student progress saved on our server under that license are kept for 30 days, so the school can renew or download a backup, and are then deleted automatically. Adult accounts stay for the free edition until they are deleted. Records of sign-ins and sign-ups (Activity) hold no student names and are kept only to protect the accounts. Subscribe, quote and free-trial requests (adults' contact details only) are kept while we are in touch with the school and then deleted on request; the fact that a school or email address already had a free trial is kept so the one-trial-per-school rule can work. Backups: our database plan does not currently include backups, so a student record deleted from our server cannot be restored by us. Once a week we copy licenses, quote and trial requests and the website administrator's account (adults' contact details only, no student records) to our hosting provider's storage, and each copy expires after 90 days. If we add database backups, this section will state how long they are kept. A downloaded copy of the app keeps everything on the device until it is deleted there. We ask schools to remove students who have left, and to delete the class at the end of the school year if it will not be used again.
Data stays on a device until someone deletes it. To delete it:
Remove individual students or staff from the Admin Console (Users or Students)
Use "Remove all students" in the Danger zone of Admin Console → Data & Backup
Clear this site's data in the browser's settings ("Clear site data" or "Clear browsing data")
For class sync: Admin Console → Class sync → Delete the class from the server (each device keeps its own copy until it is removed there)
Deleted data cannot be recovered unless you saved a backup.
8. Changes to this policy
If this policy changes, the "Last updated" date above will change. Because the app is a file, each copy carries the policy that came with it. Check that you are using the latest version.
9. Contact
Questions about this policy, and requests to review, correct or delete a student's information, should go to the school, district or distributor that gave you access to Money Matters. Families who created their own accounts, and schools that want a data privacy agreement, can contact us at [email protected] or through Feedback (☰ More → Feedback).
Written in plain language and last reviewed on November 14, 2026. Schools that need a signed data privacy agreement can request one using the contact details above.
How sign-in protects this device, and what it cannot do · Last updated: November 14, 2026 · Last reviewed: November 14, 2026
Money Matters protects accounts with several layers that work together. No single layer is perfect, so each one backs up the others. On a shared classroom device, sign-in keeps students out of each other's work and out of teacher tools; it cannot stop someone who has full control of the device and browser from reading the copy stored there.
Layers of protection
Password or sign-in code. Adults use a password of at least 8 characters that is not their username or one of the most common passwords (checked against a list kept in the app; nothing is sent to an outside service); students use a 6-character sign-in code from their teacher or parent. On the server they are stored only as PBKDF2 hashes (100,000 rounds, a different salt for each account); on the device, as salted SHA-256 hashes.
Security questions for every account. Everyone who has none yet chooses a security question at sign-in (adults choose two), or presses Later to do it next time. People who already have one are not asked again. The questions are kept on the website too, so they are chosen once for every device, and they are used to recover a forgotten password.
Lockout. Five wrong passwords or sign-in codes in a row lock the account for 15 minutes (adjustable in Admin Console → Security policy), and three wrong security answers during password recovery lock it until an administrator resets it.
Sessions that end. Idle sessions sign out after 30 minutes without activity (adjustable). "Keep me signed in" lasts 7 days on that device only. Changing a password signs the account out on every other device, and locking an account signs it out everywhere.
Encryption. Every connection uses HTTPS with HTTP Strict Transport Security. Student records on the server are encrypted with AES-256-GCM under a key only the server holds; class sync encrypts on the device before anything is sent.
Roles. Students see only their own work. Teachers and parents see only their own roster (and only their grades, if limited). Answer keys, reports and the Admin Console are hidden from students.
Records of access. Sign-ins, failed attempts, lockouts, resets and security-question changes are logged (Admin Console → Activity and Security), so the administrator can spot trouble.
Hardened website. The website sends security headers that block it from being framed by other sites, stop browsers from guessing file types, send no referrer, and deny camera, microphone, location and payment access. It loads no third-party scripts and no trackers.
Recovery that stays private. Teachers and parents reset a forgotten password with a 6-digit code sent to their email (good for 20 minutes, 5 tries). The administrator recovers with their own security questions. Only the administrator can reset someone's security question (Admin Console → Users → Reset question).
What it does not do
A copy of the data lives in the browser on each device used. Anyone who can open the browser's developer tools on that device can read or change that copy, without signing in.
The copy on the device is not encrypted beyond what the device and browser already provide. The copy on the website's server is: student records are encrypted with a key only the server has, and passwords are stored as PBKDF2 hashes.
Student sign-in codes and kid-friendly security questions are short so young children can manage them. Together with the lockout they stop accidental mix-ups and casual guessing, not a determined attacker who knows the child well.
On a downloaded copy of the app (no website), security questions are kept only on that device, so someone who can change the browser's stored data could change them.
Locking an account from Admin Console → Activity signs it out of every device, but does not erase the copy already on a lost device.
A downloaded backup file is not password-protected. Anyone who has the file can read it.
Good practice for schools
Use a device account or screen lock for each device, and keep the browser up to date.
Give the administrator role to one or two people, and use a strong administrator password (12 characters or more) that is not used anywhere else.
Choose security answers that others cannot look up or guess, and never share them. Remind students not to tell friends their sign-in code or their answer.
Remove students and staff who leave, and review Admin Console → Activity now and then for failed sign-ins or lockouts you do not expect.
Store backup files in a school-approved place, not on a personal drive or in email.
Clear the site's data before a device is given to another class or school.
For live games, use your school's own Supabase project and ask students to join with first names or nicknames.
Teachers and parents reset a forgotten password themselves with a code sent to their email. The administrator can reset any account, lock it, or delete it from Admin Console → Activity. Schools that want district single sign-on can connect Clever or ClassLink.
Written in plain language and last reviewed on November 14, 2026. Schools can check it against their own requirements and request our data privacy agreement at [email protected].
Effective date: January 2026 | Last updated: November 14, 2026
1. Acceptance of terms
By opening and using Money Matters (the "Application"), you agree to these Terms of Use. If you use the Application for a school, district or organization, you confirm that you are allowed to accept these terms for it.
2. License
Money Matters is licensed for educational use in Pre-K–8 classrooms and homes. Subject to these terms, you receive a limited, non-exclusive, non-transferable license to:
Use the Application on devices in your classroom, school or home
Print, display and hand out the Application's printable materials (lesson plans, worksheets, answer keys, workbooks, teacher's guides, workshop guides, passports, certificates, family letters and the Resource Guide) to your own students and their families for non-commercial educational use
Copy the Application file onto devices your school or family manages
3. Restrictions
You may not:
Sell, sublicense or distribute the Application or its content for commercial gain without written permission
Remove or change copyright notices, credits or branding
Copy, scrape or republish the lessons, quizzes, tests, games, workshops or worksheets outside your own classroom or household
Use the Application, its code, its structure or its content, in whole or in part, to build, train or prompt another product or service, including with automated tools or AI systems
Share access codes, sign-ins or device tokens beyond the people and devices the license covers, or try to get around the license, device or download limits
Use the Application in a way that breaks any law or regulation
4. Educational use only
The content teaches general financial literacy. It is not financial, investment, tax or legal advice. Prices, rates, rules and figures used in lessons and games are examples for learning and may not match current real-world values.
5. Outside websites and services
The free edition online may show sponsor messages to signed-in adults; students never see them. A sponsor message is not an endorsement of the sponsor's products, and the sponsor's own terms apply on its website. Signing in with Google, Microsoft or Facebook is subject to that company's terms.
The Resource Guide links to websites run by others. We do not control them and are not responsible for their content, availability or privacy practices. If you connect a live-game server, that service's own terms apply to it.
6. Your data and backups
You are responsible for the information you enter, for keeping backups, and for deleting data when it is no longer needed. We cannot recover data from your device.
7. Accounts and security
Keep your password, sign-in code and security answers private, and do not let anyone else use your account. Do not try to get into another person's account, to get around sign-in, security questions or the lockout, or to test the security of the website without our written permission. Tell your school or us at once if you think someone else has used your account. We may lock an account that seems to be misused, and the administrator may lock or delete accounts on their website.
8. Student information
When a school uses the Application, it controls its students' records, and we handle them only as described in the Privacy Policy, including the commitments under COPPA, FERPA and state student-privacy laws. Teachers and parents agree to enter only the student information the program needs, and confirm that they have the authority to add each student (as the child's teacher with the school's permission, or as the child's parent or guardian).
9. Free trials
We may offer a school one free trial of the hosted program, usually for 4 weeks. A trial includes what we confirm when we send the access code (the weekly lessons, workshops, or both) and works on the number of devices we send codes for. It is free: no payment details are needed and nothing renews or is charged when it ends. We decide whether to offer a trial, and each school (identified by its email address or school email domain) may have one; we may extend a trial or end it early if it is misused. When a trial ends, devices return to the free edition (week 1 of every grade) on its end date. Everything teachers and students saved stays on their devices, and subscribing keeps the same code, devices and progress. A trial is for evaluating the program for your school; these terms apply to it in full.
10. Ending use
You may stop using the Application at any time and delete your data as the Privacy Policy explains. Access codes and licenses end on the dates shown for them. If these terms are broken, access may be suspended.
11. No warranties
The Application is provided "as is," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not promise that it will be error-free or always available.
12. Limitation of liability
To the fullest extent the law allows, the creators and distributors of Money Matters are not liable for any indirect, incidental, special, consequential or punitive damages arising from use of, or inability to use, the Application, including loss of data.
13. Intellectual property
The curriculum, lesson text, questions, games, workshops, vocabulary, illustrations and code belong to the creators of Money Matters. Outside resources named in the Resource Guide belong to their owners. Printable materials are licensed only as described in section 2.
14. Governing law and disputes
These terms are governed by the laws of the state where the school, district or family that holds the access code or account is located, and by applicable United States federal law, without regard to conflict-of-law rules. Any dispute that cannot be settled informally will be heard in the state or federal courts of that state. Before starting a claim, please email [email protected] so we can try to resolve it within 30 days. If a school or district has a signed agreement with us (for example a data privacy agreement) that names a different law or court, that agreement controls.
15. Changes to these terms
These terms may change. The "Last updated" date above shows the latest revision. Continuing to use the Application after a change means you accept the new terms.
Written in plain language and last reviewed on November 14, 2026. Questions about these terms: [email protected].
Answers to the most common questions about Money Matters.
Lessons you have already opened, quizzes, tests, the Game Show on one screen, workshops, printouts and progress tracking work offline. On the website you need the internet to sign in on a new device, sync your account, unlock more weeks with an access code or license, load a language the first time, play live Game Show rounds on phones, and open outside links. A downloaded copy of the app needs the internet only for live Game Show rounds on phones and outside links.
The administrator sets up the device and adds teachers and parents, who sign in with a username and password. Teachers and parents add students, who sign in with a 6-character sign-in code (or their name, if the school allows it). On the website version, adults can also use "Continue with Google, Microsoft or Facebook": add the person's email to their account in Admin Console → Users first. On the website, accounts work on any device; in a downloaded copy they live only on that device. The first time someone signs in without a security question, they choose one (or press Later); after that they are not asked again. Each person lands on their own home screen: students see their lessons and games, and teachers see their classes and tools.
On the website, each account's progress is kept on our server (student records encrypted) and in the browser of each device used, so it follows the person to any device. In a downloaded copy of the app, progress stays in that device's browser only: switching browsers or clearing browser data starts fresh there. Admin Console → Data & Backup downloads a backup you can restore later or on another device.
Passwords, sign-in codes and security answers are stored only as salted hashes. Everyone sets up security questions once, which protect password recovery. Five wrong tries lock the account for 15 minutes, and idle sessions sign out. On a shared device someone with full control of the browser can still read the copy stored there. See the Security tab for every layer and for good practice.
Open the Game Show and choose "Host a live game." Students join on their own phones or tablets with the game PIN or QR code and a nickname; they do not need accounts. To play across devices, a teacher enters the school's own Supabase project once in Live game settings. Without that, "This device only" mode lets other tabs or windows on the same computer join, which is useful for practice.
Workshops are separate from the weekly lessons: 1- to 5-day hands-on programs for each grade, 2 to 4 hours a day, with a certificate for each day. Each workshop has a short vocabulary check-in on day 1 and a matching check-out on the last day. Enter scores on the "Check-in, check-out and results" tab to see growth, print results, or download a CSV.
All accounts, students, progress, scores and settings on that device are permanently deleted. Download a backup first from Admin Console → Data & Backup. You can restore it from the same place.
By default, each week unlocks after the student scores 75% or higher on the previous week's quiz. A Section Test follows every 6 weeks. Teachers can turn week locks off so students can open any lesson.
Open a week in Lessons and choose a document: lesson plan, student worksheet, answer key, family letter, weekly packet, the full student workbook, or the teacher's guide. Workshops print a facilitator guide, student passport, check-in and check-out sheets with keys, results and certificates. The Resource Guide prints with a QR code for each link. Lesson documents show a preview first and can also be downloaded as a Word file. Any printout can be saved as a PDF from the print window.
Pre-K through Grade 8: ten free Pre-K lessons, then nine grades with 36 weeks each (324 lessons). The app, Game Show, workshops and printouts are available in nine languages. Use the language button to switch.
A list of free, trusted financial literacy resources for students, teachers and families, filtered by grade, topic and audience, including resources in Spanish. Links were checked on October 26, 2026. Websites change, so report any broken link through Feedback.
Money Matters is built around COPPA, FERPA, the PPRA and state student-privacy laws such as SOPIPA, SOPPA and New York Education Law 2-d: student information is used only for learning, never sold or used for ads, collected as little as possible, encrypted on our server, and deleted on request. The Privacy Policy explains each law. Whether a particular school's use meets its obligations depends on how it uses the app (including any live-game server it connects), so schools should review the Privacy Policy with their privacy officer and can ask for a data privacy agreement.
In the Admin Console, open Data & Backup and choose Import roster. Paste rows or upload a CSV with one student per line: Student Name, Grade (K–8), Teacher Name. A line such as "Teacher: Ms. Rivera" adds a teacher only. A CSV template is available to download.
Yes, when it is opened from a web address. In Chrome or Edge, use the install icon in the address bar or "Add to Home Screen." On an iPhone or iPad in Safari, tap Share, then "Add to Home Screen." After that it opens in its own window and works offline.
On the website version, week 1 of every grade is free in English, Spanish and Portuguese, with the Game Show, Story Mode and the Resource Guide. A school license unlocks weeks 2–36, section tests, workshops and the full-year workbook and teacher's guide. An administrator either enters the school's access code once per device, or signs in with a Google, Microsoft or Facebook account whose email or email domain the license covers.
Sponsors help keep the free edition free. Their cards appear only to signed-in adults, never to students or during games, and they do not track you. You can hide a card with ×. A school license removes them.
Every account now has security questions, so a forgotten password can be recovered safely. You are asked only when your account has none yet: choose your question (adults choose two) or press Later to do it next time. Once chosen, you are not asked again on any device. Answers are not case-sensitive and are stored only as a scrambled hash.
Students: ask your teacher or parent. Teachers and parents: ask the website's administrator. The administrator opens Admin Console → Users and presses Reset question on your account; at your next sign-in you choose a new one.
Routine reminders, such as an overdue backup, and "What's new" notes go to the bell in the top bar instead of popping up during class. The welcome tour runs once per device.
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Money Matters · Release Notes
What's New
Recent changes and improvements to Money Matters.
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Money Matters · All Students
Student Roster
All profiles on this device — switch, promote, or manage students.
🎮
Money Matters · Learn Through Play
Games
Practice games and the class Game Show, matched to your grade.
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Money Matters · Workshops
Money Workshops
Hands-on workshops for each grade, from a 60–90 minute Express session to a 5-day camp. Separate from the weekly lessons; every session earns a certificate.
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Money Matters · Resource Guide
Resource Guide
Free, trusted financial-literacy resources for teachers, families and students, checked link by link.
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Money Matters · Materials
Materials Center
Everything a lesson or workshop needs: print it here, find a free official source, or see what to gather.
📈
Bonus unit
Money and Investing
Kinds of money, investing, crypto, banks and inflation: five bonus lessons and a unit test for every grade.
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Pre-K · Lessons
Pre-K
Ten short lessons for ages 3 to 5, free for everyone: play first, picture answers, an idea for home.
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Explore
Explore
Simulations, quick choices, careers, online safety, Tax City and Teach It Back.
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Learn through play
Play
Games, Story Mode, the Game Show and Explore, all in one place.
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Money Matters · Your Voice
Feedback
Share what's working, what's not, or ideas for improvement.
How is Money Matters working for you?
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Feedback is saved only on this device in your browser. Nothing is sent to any server.
Export it from the Teacher/Parent view or copy it from this panel to share externally.