@cluce the setting Mome Rath mentioned above is on your
Family and Friends list...
There is a setting under each person on the friend's and family list. For example, when I go into my F&F list, and click on my friend Shannon, I see this screen. Notice the highlighted box... and how its checked? When checked, it allows Shannon to download my pictures if she has memory maker.
NOTE: this is usually the default setting, but its always best to double check it to be sure!
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For me to download pictures of anyone on MY F&F list,
THEY must look at me on THEIR F&F List, and make sure that box is checked BEFORE the pictures are taken. If this isn't enabled before the photo is taken, I wont be able to see or download it.
So my friend Dave went with us last October. He didn't buy Memory Maker. We connected our Disney accounts via Family & Friends, and he made sure that box was checked for me before we traveled. Since I have memory maker add-on for my annual pass. I downloaded all of his pictures without paying additional. In the past when my neighbors have gone to Disney, I add them as F&F, we make sure they let me download their PhotoPass pictures, and when they come back, they use my account to download their photos.