Social Casinos in the USA: How They Work in 2026

A social casino is a site or app where you play slots, blackjack, roulette and poker-style games with virtual coins instead of cash. Pure play-money apps such as Slotomania or DoubleDown Casino never pay out anything, while sweepstakes casinos such as Chumba Casino or Stake.us add a second coin, the Sweeps Coin, that can be redeemed for cash prizes in states where the operator still allows it. As of October 2026 that list of states is shrinking fast: at least ten states have passed laws that target the sweepstakes model, and several big brands have pulled out of many more.

So, bro, here is the deal. We like a free spin as much as anyone, and social casinos can be a cheap night in. But the coins are not always as “free” as the banner says, the law is changing month by month, and a site that worked in your state last year may have switched off prize play this year. This guide explains how both kinds of social casino work, where sweepstakes play is banned (with dates), how redemptions and taxes work, and how to spot a site you should skip. Brands are named for information only: we hold no state licence data for them and we do not take you to any of them from this page.

Social Casinos at a Glance (October 2026)

The Two Kinds of Social Casino

People use “social casino” for two products that work very differently under the law. Knowing which one you are looking at answers most questions about prizes, payments and legality.

Play-money social casinos

These are the classic free casino apps: Slotomania and House of Fun (both from Playtika), DoubleDown Casino (DoubleDown Interactive), Big Fish Casino and Huuuge Casino. You get free coins on install and at regular intervals, and you can buy more coin packs through the App Store, Google Play or the website. Coins cannot be cashed out, sold or exchanged for prizes. Winning only buys you more play time.

Because nothing of value comes back out, most states treat these apps as games rather than gambling. Washington is the big exception, and the court case behind it is worth knowing (see the legal section below). Even where they are legal, the spending is real: coin packs are charged to your card like any other in-app purchase, so the budget rules later in this guide still apply.

Sweepstakes casinos (dual-currency)

Sweepstakes casinos use two currencies. Gold Coins are for entertainment only. Sweeps Coins (Stake.us calls them Stake Cash) are given away as a “free bonus”, most often when you buy a Gold Coin pack, and can be played in promotional mode. Sweeps Coins you win can be redeemed for cash prizes or gift cards once you meet the site’s rules, typically at a value of about one dollar per coin.

Chumba Casino and Global Poker (both run by VGW) and Stake.us (run by Sweepsteaks Limited) are among the best-known names. VGW’s third brand, LuckyLand Slots, no longer exists: it stopped selling Gold Coins on 3 August 2026, ended gameplay on 24 August and shut down, redemptions included, on 14 September 2026. That closure tells you a lot about where this market is heading.

How the Sweepstakes Model Works

Under US law an activity is generally treated as gambling when three things meet: a prize, chance and consideration (paying to play). Sweepstakes casinos try to remove the third element. The pitch is that you never pay for Sweeps Coins: you buy Gold Coins, and the Sweeps Coins come along as a free promotional gift. To support that position every sweepstakes casino offers an “alternative method of entry” (AMOE), usually a written mail-in request that earns a set number of Sweeps Coins, plus daily login bonuses and social media giveaways.

Regulators and attorneys general increasingly reject that framing. When New York’s Attorney General announced an $8 million settlement with VGW on 9 September 2026, the office said players received roughly one Sweeps Coin for every dollar spent on the platform, despite the company’s claim that the coins were free. That is the core argument behind the state bans: if almost every Sweeps Coin arrives with a purchase, the purchase looks a lot like a wager.

How a mail-in request works

The free entry route is old-fashioned on purpose: it costs a stamp and some patience, which keeps the promotion legally free without making it the easy option. The exact steps are set in each site’s sweepstakes rules, but most follow the same pattern.

1. Find the “free entry” or “alternative method of entry” section of the sweepstakes rules and request any code or form it asks for (some sites generate a one-time request code in your account).
2. Write the request by hand on a card or sheet of the size stated, with your full name, the email linked to your account, your address and the code if required.
3. Post it to the address given in the rules, one request per envelope. Sites cap how many requests they accept per person and per period.
4. Wait. Processing usually takes weeks, and the coins arrive in your account once the request is checked.

Requests that are typed, photocopied, bundled or sent without the right details are usually rejected. If you never plan to buy coins, the mail-in route plus daily bonuses is the only way to build a Sweeps Coins balance.

Gold Coins vs Sweeps Coins

One practical point: when a state bans sweepstakes play, operators normally keep Gold Coin play running and switch off Sweeps Coins. VGW said exactly that when it phased out promotional play in Tennessee: players there can still use Gold Coins. If you live in a banned state, a “social casino” ad you see online will usually lead to the play-money version only.

Is a Social Casino Legal in My State?

There is no single federal answer. Sweepstakes are governed mainly by state law, and the states are moving quickly. The table lists the laws that specifically target online sweepstakes casinos as of October 2026. It is not a full list of every state where operators restrict prize play, because many brands also leave states with no specific law after enforcement letters.

Two more states deserve a mention. Washington bans all gambling that is not specifically authorised, and its Gambling Commission says casino-style games that ask players to wager virtual currency for the chance to win more virtual currency “are likely to constitute illegal gambling”. Most sweepstakes operators exclude Washington for that reason. Michigan’s Gaming Control Board has sent cease-and-desist letters to sweepstakes operators, and the big brands also avoid the state. Nevada, Idaho and several others appear on most operators’ excluded lists too.

The rule of thumb: read the “excluded territories” or “restricted states” clause in the site’s sweepstakes rules before you buy anything, and check it again every few months. Lists change after each legislative session. Never use a VPN or a fake address to get around a restriction: sweepstakes rules let the operator void prizes and close accounts, and you would be the one breaking state law.

What happens to your coins when a state bans sweepstakes play

Operators usually give notice by email and in the lobby, stop selling or awarding Sweeps Coins first, end Sweeps Coins gameplay a few weeks later and then set a final redemption deadline. LuckyLand Slots ran that sequence over six weeks in 2026. In West Virginia, VGW ended Sweeps Coins play on 18 November 2025 and stopped processing redemptions on 25 November 2025. If you get one of these notices, redeem any eligible balance before the deadline: unredeemed coins normally lapse.

The Washington case that changed the rules

Big Fish Casino never paid out a cent, yet it cost its owners $155 million. In Kater v. Churchill Downs (decided 28 March 2018), the Ninth Circuit Court of Appeals held that Big Fish Casino’s virtual chips were a “thing of value” under Washington law, because chips extend the privilege of playing without charge. That made the app illegal gambling in Washington, even without any cash-out. In May 2020, Churchill Downs and Aristocrat announced a $155 million settlement ($124 million from Churchill Downs, $31 million from Aristocrat). Other play-money operators settled similar Washington claims afterwards. The case is the reason Washington residents see restrictions even on some play-money apps.

Social Casinos vs Real-Money Online Casinos

Social casinos borrow the look of real-money casinos, often with games from the same studios, but the legal and practical differences are large. Eight states have legalised online casinos; seven markets are live (New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut, Delaware and Rhode Island), and Maine legalised a tribal-only market (LD 1164: became law without the governor’s signature in January 2026, effective 29 July 2026) that has not launched as of October 2026. Offshore real-money sites that accept Americans elsewhere hold no US state licence.

If you live in one of the seven live states and want real-money play, a state-licensed casino is the protected option; our BetMGM Casino review covers one of the big licensed operators. For readers elsewhere we cover offshore sites in our US live casinos guide and new US online casinos list, with a plain warning that those sites hold no state licence. Our US no deposit bonus guide explains how real-money free offers differ from sweepstakes coin drops.

Well-Known Social Casino Brands (October 2026)

These are some of the names you will meet most often. The list is informational, not a ranking: we have not graded them, and availability depends on your state. Always read the operator’s current terms.

A note on VGW: on 9 September 2026 New York’s Attorney General announced that VGW Holdings would pay $8 million in disgorgement, penalties and costs over Chumba Casino, Global Poker and LuckyLand Slots. VGW had already ended Sweeps Coins play in New York after the office’s June 2025 cease-and-desist letter. The settlement does not stop the brands operating where state law still allows them, but it shows how much legal pressure even the largest operator now faces.

How to Choose a Social Casino

A good social casino is boring in the right places: clear rules, a real company behind it, quick and predictable redemptions. Here is the checklist we use, in order of importance.

1. Your state is allowed. Find the sweepstakes rules and read the excluded-states clause first. If your state is listed, stop there: Gold Coin play may still work, but prizes will not.
2. A named operator with an address. The terms should name the company that runs the sweepstakes, where it is registered and how to contact it in writing. Anonymous sites with only a chat widget are a hard pass.
3. Sweepstakes rules you can actually read. Look for a separate rules document covering eligibility, the free entry method, playthrough, redemption minimums, verification and how disputes are handled.
4. A working free entry method. The mail-in request or other AMOE should be described in plain steps, with the number of coins it gives. If no free method exists, the site is not running a sweepstakes at all.
5. Redemption terms stated up front. You want the minimum number of Sweeps Coins for a cash prize, the minimum for gift cards if offered, the methods (bank transfer, ACH, gift card) and a stated processing time.
6. Verification before, not after, big wins. Sites that verify identity early cause fewer surprises. Expect a photo ID, proof of address and sometimes a selfie check.
7. Purchase controls. Better sites let you set daily, weekly or monthly purchase limits, take a cooling-off break or self-exclude, and they honour it.
8. Game quality. Only now look at game counts, providers and daily bonuses. A big library does not make up for weak rules.

Red flags

• “Real money casino” language with deposits and withdrawals in dollars rather than coin purchases and prize redemptions. That is a gambling site calling itself social.
• Support staff suggesting a VPN, a different address or a friend’s account to get around state restrictions.
• No free entry method, or one buried so deep that nobody could use it.
• Redemption minimums that change after you have played, or “pending” redemptions that sit for weeks with no explanation.
• Pressure tactics: countdown timers on coin packs, “last chance” pop-ups and VIP hosts pushing bigger purchases.
• No mention of age limits, responsible gaming tools or a help line.

Checking a brand-new social casino

New sweepstakes brands launch every month, and many of them are white-label sites run on the same platforms. That is not a problem in itself, but newcomers have no redemption track record. Before buying a coin pack at a new site, look up the operator company named in its terms, check whether the site has appeared in any state cease-and-desist announcements, and start with free coins only. Redeem a small prize first, if the minimum allows, to see how the process works before you spend anything.

Bonuses, Free Coins and Daily Rewards

Social casinos compete on recurring free coins rather than one big welcome deal. Typical sources of free coins are:

• Sign-up package: a block of Gold Coins plus a small amount of Sweeps Coins, no purchase needed.
• Daily login bonus: coins every 24 hours, sometimes growing with a login streak.
• Mail-in requests: the AMOE. You send a handwritten request with your account details and receive a fixed number of Sweeps Coins per valid request, with limits on how many you can send.
• First-purchase offers: discounted Gold Coin packs with extra Sweeps Coins. Remember this is a purchase with real money.
• Social giveaways, tournaments and referral bonuses: extra coins for following the brand, joining a leaderboard or inviting friends.

Unlike real-money casino bonuses, sweepstakes coins usually carry a simple playthrough (commonly 1x) before they become redeemable, rather than the 30x to 40x wagering common at real-money sites. That sounds generous, but the house edge of each game still applies to every coin you play, so a 1x playthrough on a slot with a 96% return to player costs about 4% of the coins you put through it, on average. For a real-money comparison see our casino bonus guide and our article on what to look for in a casino bonus.

A worked example

Say a site gives you 5 Sweeps Coins free and you buy a $20 Gold Coin pack that adds 20 more, so you hold 25 SC. You play them once through slots that return 96% on average. Expected balance after one playthrough: about 24 SC. If the cash redemption minimum is 100 SC, you are nowhere near it, and to get there on average you would have to keep buying packs. This is the maths the bans are aimed at: the “free” path to a prize is slow, while the paid path is quick. Play social casinos for fun and treat any prize as a bonus, not a plan.

How to Start Playing at a Social Casino

1. Check your state. Confirm your state is not on the excluded list for prize play.
2. Create an account. Enter your legal name, date of birth, email and address exactly as on your ID. Many sites also allow a Google or Facebook login, but the details still need to match your ID for redemptions.
3. Claim the free coins. Take the no-purchase sign-up package and the daily bonus.
4. Set limits before you buy. If you plan to buy Gold Coins, set a purchase limit in the account settings first, or use your phone’s spending controls for app purchases.
5. Pick Gold Coins or Sweeps Coins mode. Most lobbies have a toggle. Gold Coins are for pure fun; Sweeps Coins mode is the promotional play that can lead to prizes.
6. Verify early. Upload ID and proof of address before you need a redemption, so a prize is not held up later.
7. Redeem when eligible. Once your redeemable Sweeps Coins pass the minimum and the playthrough is met, request the prize by the method offered.

Redeeming Prizes: What to Expect

Redemption is where most complaints start, so it pays to know the usual rules before you play.

Keep screenshots of your balance, your redemption request and any support chat. If a redemption is refused, ask for the specific rule the operator relied on, in writing. Because sweepstakes casinos hold no gaming licence, there is no gaming regulator to complain to. Your options are the operator’s own dispute process, your state Attorney General’s consumer protection office and, for card-funded purchases, your card issuer.

If a redemption goes wrong

Work through the steps in order and keep everything in writing.

1. Ask support for the reason. Request the exact clause of the sweepstakes rules behind any refusal, delay or extra document request.
2. Use the formal complaint route. Most sweepstakes rules describe a written complaints or dispute process, sometimes followed by arbitration. Note the deadlines.
3. Contact your state Attorney General. Consumer protection offices take complaints about online businesses, and several attorneys general have acted against sweepstakes operators.
4. Talk to your card issuer or bank. For coin packs you paid for but did not receive, a dispute with your card issuer may be possible within its time limits.

Do not expect a gaming regulator to step in: sweepstakes casinos are not licensed by one, which is one more reason to start small.

Taxes on Social Casino Prizes

Play-money coins have no tax consequences because nothing of value comes out. Sweepstakes prizes are different: cash prizes and gift cards are taxable income, whether or not you receive a form.

• Form 1099-MISC: for prizes from a sweepstakes that does not involve a wager, the IRS tells payers to report them in Box 3 (“Other income”). For payments made in 2026 the reporting threshold is $2,000 a year, up from $600, under the One Big Beautiful Bill Act.
• Form W-2G: used for gambling winnings where a wager is made. Which form an operator uses depends on how it structures its programme.
• Losses: from tax year 2026, gambling losses are deductible only up to 90% of losses, and only to the extent of gambling winnings, for those who itemise.
• State tax: most states with an income tax also tax prizes.

Keep your own record of purchases and redemptions. This is general information, not tax advice; a tax professional can tell you how the rules apply to you.

Games You Will Find at Social Casinos

Social casinos lean heavily on slots, because slots are cheap to license in bulk and suit short mobile sessions. Sweepstakes sites add table games, video poker, keno-style draw games and studio “originals” such as crash, plinko and dice games. A few run live-dealer style tables in promotional mode. Play-money apps often have proprietary slots you will not find anywhere else, plus collectables, quests and club features.

Fair-play testing is another difference. State-licensed casinos must use games certified by approved test labs. Sweepstakes casinos are not required to do so by a gaming regulator, although reputable ones use the same studio games and publish RTP figures. If a site cannot tell you who makes its games, that is another reason to skip it.

Social Casinos on Mobile

Play-money social casinos are mostly app-first: Slotomania, House of Fun and DoubleDown Casino are mainstream App Store and Google Play titles, and coin purchases go through the store’s billing. That gives you two useful protections: store refund processes and device-level spending controls (Screen Time on iPhone, purchase approvals in Google Play and Family Link for kids’ accounts).

Sweepstakes casinos are more often played in a mobile browser, sometimes with an installable web app. Before you add a card to any mobile site, check that it is the real domain (copycat sites exist), and that purchase limits work on mobile as well as desktop. Our mobile casinos guide covers real-money mobile play and what to look for in an app.

Responsible Play at Social Casinos

A social casino can feel harmless because the coins look like toy money, but coin packs are bought with real money and the games use the same mechanics as real slots: near misses, bonus rounds, streak rewards. Research groups and regulators have raised particular concerns about young players and about people who already struggle with gambling, who may move from social play to real-money play.

• Set a monthly entertainment budget before you start, and treat every coin pack as money spent, not money “deposited”.
• Use the site’s purchase limits, cooling-off and self-exclusion tools, plus your phone’s spending controls.
• Do not chase a redemption minimum by buying more packs.
• Keep accounts and payment cards away from children. Most social casinos are 18+ (21+ at some sites and in some states), and app-store age ratings apply to play-money apps.
• Take breaks. Daily login streaks are designed to bring you back every day; it is fine to break the streak.

If gambling or social casino spending stops being fun, call or text the National Problem Gambling Helpline on 1-800-MY-RESET, run by the National Council on Problem Gambling. It is free, confidential and open 24/7. Our responsible gaming page lists more tools and support services.

Social Casino Myths, Checked

Social casinos attract a lot of half-truths, from both fans and critics. Here are the ones we hear most, with the facts as they stand in October 2026.

• “Sweepstakes casinos are legal in 45 states.” That line was common a few years ago and is out of date. At least ten states have specific bans on the books, and the big operators exclude several more on enforcement grounds. Check the current excluded list for the site you are looking at.
• “Sweeps Coins are always free.” They can be obtained free, through bonuses and mail-in requests, but most players receive them with a purchase. New York’s Attorney General found about one Sweeps Coin per dollar spent at VGW’s brands.
• “Play-money apps cannot be gambling.” In Washington, a federal appeals court said they can be, because virtual chips extend the privilege of playing. That ruling led to the $155 million Big Fish settlement.
• “Social casino prizes are tax-free.” No. Prizes are taxable income, even below the $2,000 reporting threshold that applies to 2026 payments.
• “A sweepstakes casino is licensed like a real casino.” Sweepstakes casinos hold no state gaming licence. Some mention company registrations or game certifications, which is not the same thing.
• “You cannot lose money at a social casino.” You cannot lose a deposit, because there is none, but you can spend a lot on coin packs. The spending is the risk.

A Note for Parents

Play-money casino apps are easy for teenagers to download and the free coins make them feel harmless. The concern is not prizes, which play-money apps do not pay, but spending and habit: coin packs are charged to whatever card is linked to the phone, and the same reward loops that drive slots are built in. A few practical steps help.

• Turn on purchase approvals: Screen Time “Ask to Buy” on Apple devices and purchase approvals through Google Family Link on Android.
• Remove saved cards from game accounts and app-store profiles that children use.
• Check app-store age ratings and the app’s own minimum age; many social casino apps are rated for adults only.
• Talk about the difference between free-to-play coins and real money, and about how the games are designed to bring players back daily.

Sweepstakes casinos are for adults only (18+, or 21+ at some sites and in some states) and require identity checks before any prize is paid, but age checks at sign-up can be light. Keep payment cards and logins private.

Living in a Banned State: Your Options

If your state has banned sweepstakes play, prize redemptions are off the table there, and that is the end of it legally. What remains:

• Gold Coin play: many sweepstakes brands keep their play-money mode open in banned states. No prizes, no redemptions.
• Play-money apps: mainstream social casino apps continue to operate in most states.
• State-licensed online casinos: only if you live in one of the seven live markets (New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut, Delaware, Rhode Island). Several of those states have banned sweepstakes play, so licensed real-money play is the legal route there.
• Retail and tribal casinos: land-based options in your state, under its rules.

If you have a Sweeps Coins balance when a ban is announced, follow the operator’s notice and redeem eligible coins before the final deadline.

Where the Social Casino Market Is Heading

The direction is clear: more state bans, more enforcement and fewer big brands. Montana became the first state with an explicit ban in 2025, and by November 2026 at least ten states will have one. Enforcement has moved from warning letters to money: New York’s $8 million VGW settlement is the largest so far that we have seen from a state attorney general. Operators are responding in two ways. Some leave states early, before a ban takes effect, as several did in Indiana and Tennessee. Others keep Gold Coin play running and shut prize play, which turns a sweepstakes casino back into a plain play-money app in those states.

For players, that means three things. First, expect sudden changes: check your state’s status every few months. Second, do not hold large Sweeps Coins balances; redeem eligible coins rather than leaving them on account. Third, if you want real-money casino games with legal protection, the seven states with live online casino markets are the only places where that exists online today.

Social Casino Glossary

• AMOE (alternative method of entry): the free way to get Sweeps Coins, usually a mail-in request. It is what makes the model a sweepstakes rather than a purchase.
• Dual-currency: a site with one play-only coin (Gold Coins) and one redeemable promotional coin (Sweeps Coins). Most state bans target this model directly.
• Gold Coins (GC): play-money coins with no cash value.
• KYC (know your customer): identity checks before a prize is paid.
• Playthrough: how many times Sweeps Coins must be played before they can be redeemed, often 1x.
• Redemption: exchanging eligible Sweeps Coins for a cash prize or gift card.
• RTP (return to player): the average share of stakes a game pays back over the long run; 96% RTP means a 4% average cost per coin played.
• Sweeps Coins (SC), Stake Cash: promotional coins that can be redeemed for prizes where allowed.
• Excluded territories: the states where an operator does not offer prize play.

Our Verdict: Social or Real-Money?

For casual fun on a budget, a play-money social casino is the simplest choice: no prizes, no paperwork, and the only risk is what you spend on coin packs. Sweepstakes casinos add a shot at prizes, but in October 2026 they come with real legal uncertainty, state exits at short notice and redemption rules you must read before you spend. If you want real-money play with legal protection and live in New Jersey, Pennsylvania, Michigan, West Virginia, Connecticut, Delaware or Rhode Island, choose a state-licensed casino. Whatever you pick, set a budget first, bro.

Social Casinos FAQ

What is the best social casino?

It depends on what you want. For pure fun with no prizes, mainstream play-money apps such as Slotomania or DoubleDown Casino are the simplest. For prize play, pick a sweepstakes casino that allows your state, names its operator, publishes clear sweepstakes rules and states its redemption minimums and times. We do not rank them because availability changes by state.

Are social casinos legal in the USA?

Play-money social casinos are available in most states. Sweepstakes casinos are not: states including Montana, Connecticut, New Jersey, New York, California, Tennessee, Indiana, Maine and Louisiana have banned them, and Oklahoma’s ban starts on 1 November 2026. Washington treats virtual casino currency as a thing of value, and many operators also exclude Michigan, Nevada and Idaho.

Can you win real money at social casinos?

Not at play-money apps, whose coins cannot be cashed out. At sweepstakes casinos you can redeem Sweeps Coins won in play for cash prizes or gift cards, usually at about $1 per coin, after a playthrough, a minimum balance and identity checks, and only in states where the operator allows prize play.

How do social casinos make money?

Mainly by selling coin packs. At sweepstakes casinos, Sweeps Coins usually come bundled with Gold Coin purchases; New York’s Attorney General said in September 2026 that VGW players received roughly one Sweeps Coin per dollar spent. Advertising and VIP programmes add revenue.

Do I have to pay tax on sweepstakes casino winnings?

Yes. Cash prizes and gift cards are taxable income. For 2026 payments, operators report sweepstakes prizes of $2,000 or more a year on Form 1099-MISC (the threshold was $600), but you owe tax on prizes below that too. From 2026, gambling losses are deductible only up to 90% of losses.

What happened to LuckyLand Slots?

VGW closed it. LuckyLand Slots stopped selling Gold Coins on 3 August 2026, ended gameplay on 24 August and shut down, including redemptions, on 14 September 2026. VGW’s Chumba Casino and Global Poker continue to operate where state law allows.

What is the minimum age for social casinos?

Most sweepstakes casinos require players to be 18 or older, and some sites or states set 21. Play-money apps follow their own terms and app-store age ratings. State-licensed real-money online casinos require players to be 21.

Can I use a VPN to play at a sweepstakes casino from a banned state?

No. Sweepstakes rules exclude players located in restricted states, and operators void prizes and close accounts when they detect location tricks. You would also be taking part in an activity your state has banned.

What is the difference between a social casino and a sweepstakes casino?

Every sweepstakes casino is a kind of social casino, but not the other way round. A play-money social casino has only one coin with no cash value. A sweepstakes casino adds a second, redeemable coin given away as a promotion, which is why sweepstakes casinos face state bans and play-money apps mostly do not.

Are social casinos rigged?

Not in the sense of secretly changing results for one player, at reputable sites that use games from established studios, but every game has a built-in house edge, just like in a real casino. Sweepstakes casinos are not tested under a state gaming regulator, so check that the site names its game providers and shows return-to-player figures, and treat unknown in-house games with more caution.

Where can I get help if social casino spending gets out of hand?

Call or text 1-800-MY-RESET, the National Problem Gambling Helpline run by the National Council on Problem Gambling, free and confidential 24/7. Use the site’s purchase limits and self-exclusion, and your phone’s spending controls.