Can u purchase/download a M game off of xbox if ur underage?
No. An underage account is allowed to PLAY said games if the parental settings allow it, but they can't buy it themselves.
Just like in a store, parents can buy M rated games and let their kids play them, but the kids can't buy it themselves.
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you can buy m rated content if parental settings allow it
you just can't download m rated demos and trailers till your gamertag turns 18