Start by finding out what the rule actually covers. Some policies prohibit generative AI on assessed work; others restrict particular accounts, ages, data practices or teaching uses. Ask the school for the written policy and what disclosure is expected. Do not ask your kid to evade it.
UNESCO's education guidance calls for human-centred, age-appropriate use with privacy protection and pedagogical validation. That makes a useful family test: is the activity appropriate for your kid, does it protect their information, and does the kid still do the thinking the task is meant to develop?
If the school permits separate personal projects, keep one clearly outside schoolwork: a small tool, game or page made at home, with an adult nearby and the AI contribution recorded. Check the provider's age and family-account requirements first. If the boundary is unclear, ask the school before proceeding.
The next step, if you want it: a free family assessment — about 3 minutes, one named profile, every source linked.