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The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why a co-owned plan works better
Adults date privately, and a plan imposed from outside gets hidden. A plan that belongs to the person dating — with a money rule they wrote themselves — is the one that gets followed at the moment it matters.
The checks are simple and repeatable: a live video call before any private meeting, a public first meeting, and a rule that no money, gift card, code, or account ever moves in a relationship that has not met in person.
The protocol
- Agree on the two checks: a live video call before meeting, and a first meeting in a public place you choose.
- Write the money rule in the person's own words: no money, gift cards, codes, or account access, ever, in a relationship that has not met in person — including a story about a hospital, customs, or a business problem.
- Choose one person ashore: someone who knows where the meeting is, when it starts, and when to expect a message afterwards.
- Agree an exit line for pressure: a sentence that ends the conversation without a debate, plus blocking the account afterwards.
- Keep a simple record: username, platform, and the dates of conversations, so a report is possible if one is needed.
What the tool does
Build a dating verification plan together: two checks, a personal money rule, a person ashore, and an exit line. It stores nothing and sends nothing.
Limit first: This is a planning aid, not a judgment about anyone's relationship and not a fraud investigation. It cannot identify who someone is online.
Open the companion tool →One human next step
If money has already moved, contact the bank together the same day and report the account to the platform. If the relative is reluctant to talk about it, the money rule in their own words is the easiest place to restart the conversation.
Research log and safety checks
AI-assist path: not applicable — the plan is a co-owned personal rule set, and its effectiveness depends on the person dating having written the money rule themselves. §6.10: not a frontier-pace topic.
§0.5 protection result: category is elder-protection; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.