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@EA_Andy Sorry to drag you back in, but I'm still not clear on this age thing. Are you saying that the child cannot play on their -parent's- account, or that they cannot play at all? I was under the assumption that the OP had made a "child account," or whatever xbox calls it, for their child.
It would appear that the OP has done a runner, but I feel that I would very much like to fully understand the rules here. I assume COPPA stands for "child online protection" something or other.
COPPA is the acronym for the Children's Online privacy Protection Act of 1998.
The United States Congress passed it in order to enable regulations to protect children under the age of 13 n regards to their online privacy in the dynamic environment of the Internet where the Service being used by the child collects some sort of personally identifiable information and it covers "Services" very broadly, including online games like GW2 where children might volunteer personal information in some way.
The easiest way to comply with COPPA, unfortunately, is to deny access to the service by anyone under the age of 13 as implementing the workarounds in order to be compliant is complicated and probably not worth the development time for most Services.
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