Look, this is the movie equivalent of a gas station cinnamon roll—you know exactly what you're getting, it's not going to hurt you, but nobody's writing home about it either.
The good news: it's genuinely safe for tweens, with positive messages about humility and valuing relationships over stuff. Lindsay Lohan is charming enough, and if your family needs inoffensive holiday background noise, this fits the bill.
The bad news: those audience scores don't lie. A 41% on Rotten Tomatoes and 5.3 on IMDb means even people who wanted to like it came away shrugging. The amnesia plot is tired, the rich-girl-learns-humility arc has been done better elsewhere, and the whole thing feels like it was assembled from a rom-com kit.
It's perfectly fine for a lazy Sunday afternoon with your 10-year-old, but don't expect anyone to remember it by New Year's.