1) The minimum age is four.
2) Please do not try to get around it.
3) There are state licensing and insurance issues.
4) Please play by the rules.
EDIT: Just called my buddy at the Cubs Den at Wilderness Lodge. I found out that if your child gets hurt or injured while at the kids club, the insurance or WDW will not cover her since it covers only 4 year olds and older. Also, you will have the Dickens of a time suing, because you lied about her age. In one case she remembered, they took a child to Urgent Care, and the parents had to pay for the bill, since the girl was under age.