# Family sharing

## What is family sharing?

Family sharing puts your partner and your children on one Fynbos subscription, with a single members list showing everyone you manage or share with.

- **One subscription**: You pay one bill for the whole family
- **Age-based pricing**: Under-18s are free with your subscription, and under-30s pay half price
- **You control access**: Choose which of your children's accounts your partner can see and act on, and change it any time

Family sharing lives in *Settings* under **Family**. Your own accounts are never shared — only children's profiles you choose to share.

## Setting up your family

If you have no children and no partner yet, the *Family* page introduces family sharing and offers a single setup entry point.

1. Navigate to **Settings**
2. Tap **Family**
3. Tap **Set up your family**
4. Choose **My partner** to send a partner invite, or **My child** to create a child profile

If you already have child accounts, Fynbos shows a short welcome explaining what family sharing means for you. Tap **Continue** to go straight to your members list.

## Your members list

Once you have a partner or a child, the *Family* page becomes a members list.

Each row tells you the person's relationship to you:

| Row | What it means |
| --- | --- |
| **Partner** | The other adult in your family |
| **Invite pending** | An invite you've sent that hasn't been accepted yet |
| **Child** | A child profile you created |
| **Shared by [name]** | A child your partner created and shared with you |
| **Shared with [name]** | Your child, currently shared with your partner |

Tap **Add child account** at the bottom of the list to create another child profile.

## Sharing a child with your partner

Sharing is off by default. Nothing is shared with your partner until you turn it on, including children you add later.

1. Navigate to **Settings**, then **Family**
2. Find the child you want to share in the members list
3. Tap the switch on the right of their row

The row description changes to **Shared with [partner name]**. Turn the switch off again to stop sharing.

> **Note**: You can only share children you created. A child your partner shared with you appears as **Shared by [their name]** and has no switch — that sharing is theirs to control.

## What your partner can do

Sharing a child gives your partner enough access to help, but not enough to take money out. You keep full control as the child's parent.

| Action | Your partner | You |
| --- | --- | --- |
| View balances and transactions | Yes | Yes |
| Transfer money into their accounts | Yes | Yes |
| Change the account or its strategy | No | Yes |
| Withdraw to a bank account | No | Yes |
| Close the account | No | Yes |

New accounts you open for a shared child inherit the same access automatically, so you don't need to re-share after adding an account.

> **Important**: Retirement Annuity beneficiaries are always owner-only. Even a partner or parent with full access cannot nominate or change them.

## Unlinking your partner

Unlinking ends the family link between two adults. It takes effect immediately.

1. Navigate to **Settings**, then **Family**
2. Tap your partner's row in the members list
3. Read the summary of what unlinking will do
4. Tap **Unlink**

**What unlinking does**:

- Removes all sharing between the two of you, in both directions
- Ends subscription sponsorship on the day you unlink — whoever was being sponsored loses Protea access that day
- Leaves every account and balance untouched

You can invite each other again later. See Inviting your partner for how sponsorship works.