Screen time on Xbox cloud gaming

i am someone with the exact same issue, but I have an adult account.

I see, buddy in that case we can try this:

Use an accoubt that can be considered as an adult account (try using another web browser or incognito mode). (Your dad's account works)

Then go to family settings with your dad account and delete your account from the family group:

https://account.microsoft.com/family/

Next, change birth year on your account to more than 18
https://account.microsoft.com/profile

Sign out and sign in again on your account and try playing banjo to oie

If the issue persists:

Add your main account again using your dad's account as organizer via the link below. (you can see in the new account an "add member" button
https://account.microsoft.com/family/

Please double check that you select your main account as organizer too, not member.

Once successfully added, sign out from your account one last time and try again

It’s happening on my phone too

Hi Marinbeuve, my name is Rodrigo. I'm an Independent Advisor and a member of the Microsoft community and I'd love to assist you today.

I am sorry to hear that.

Please, temporalily turn off the screen time, test the game on XCloud, then turn it back on.

Sign in to your Family page with an adult Microsoft account.

https://account.microsoft.com/family/

On your family group page, select the member whose account you want to manage, and then select the Screen time tile.

To disable screen time limits for a device, select the More options button next to the device that you’re managing, and then select Turn limits off.

I hope this helps.

May I know if this is happening with this specific game? Could you try playing another to see how it goes?

By the way, if you can try playing the game with another device, let me know if you're able to do it