Yup, after this, I would not let my 13 year old use it. I get that sometimes policies need to be updated, but when you're dealing with minors, you better find a way to protect their privacy regardless. This language that suggests privacy can be taken away at any old whim of your own choice does not fly. Especially since you've literally claimed the right to remove their right to privacy without their knowledge even while they are still using the service.

I think for the country I live in, most of this isn't even legal.

I suspect your argument would be that none of the information you keep on these minors is of the type that could be exploited. If that's the case, then the policy is extremely misguided, and says a lot that doesn't need to be said in such haphazard terms.

There is a heightened level of diligence that needs to be put into a service that caters to minors. This needs to be aligned with something that can be underwritten, or it is potentially very harmful.

I didn't look deeply at anything else on offer, because this was a full-stop right off the bat. Your policy shouts "Stranger Danger" big time. The rest looks fine and really useful, but not worth looking at under such a policy.