Parental Controls and Account Settings
The parental controls that you (or your parents) set for your Xbox console apply to Xbox Live games. If you've set the game rating at Teen (see your Xbox Instruction Manual for how to do this), you don't have to worry about your kid accidentally playing a Mature title just because it's Xbox Live enabled. For more information about game parental controls, see How To Set Parental Controls.
Parents, or any account owner, can also disable voice communication and downloadable content with fees. With Voice disabled, you cannot hear or talk to anyone on Xbox Live. With premium purchases disabled, no downloads or other purchases that would be billed to your credit card are allowed.
To disable voice communication or premium purchases:
1. Go to Account Management and select your Xbox Live account.
2. Select Account Settings.
3. Select Voice or Premium Purchases to enable or disable these settings.