Mary Chlouber now keeps a close eye as her daughter plays on her iPhone.
Because when she was only six-years-old the little girl downloaded a free app onto her mom's phone that turned out to be very costly. Mary says "And, it's, it is hard earned money... not just $50, this was $600 that came out of my account."
$600 because the little girl was buying coins to feed the animals within the game. Mary says "They target young kids who are innocent and they don't know anything, that any difference between real money and play money."
Mary wrote letters, made phone calls and eventually got her money back. "So after a long, tedious process trying to contact them they said they would refund my money 100%, a one time only."
Mary says that's fine because it won't happen again.
She's not alone. According to the Federal Trade Commission 84% percent of kids' apps that are free to download allow real money purchases.
Mary says "I have set restrictions on my phone that, my daughter can't go into."
Changing settings on your electronic devices is the best protection.
Mary wants to get the word out "I just want parents to be aware of the dangers of these apps."
The FTC says set a password requirement to download apps and a password that has to be entered anytime a purchase will result in a charge. So that free fun and games don't turn into a costly financial headache.
The FTC says 58% of kids' apps contain advertising, 22% link to social media and 59% percent share personal information while only about 10% of the apps tell you so.