About SpendGrade

About SpendGrade

About the SpendGrade Learning Programme

SpendGrade is a paid online educational programme focused on the general principles of personal budgeting, everyday expenditure and financial organisation.

SpendGrade is operated and supplied by HORNE MEDIA LTD, a private limited company registered in England and Wales.

About HORNE MEDIA LTD

HORNE MEDIA LTD is responsible for:

• operating the SpendGrade website;
• supplying the SpendGrade Learning Programme;
• publishing the educational materials;
• responding to access enquiries;
• issuing invoices;
• confirming payments;
• creating participant accounts;
• providing access to the learning platform;
• responding to account and access questions;
• administering refund requests.

Company details:

Director responsible for publication:
Christian William Horne

What SpendGrade Provides

The SpendGrade Learning Programme provides structured online educational materials about everyday money management.

The programme currently covers subjects including:

• household budgeting fundamentals;
• recording income and expenditure;
• understanding different categories of spending;
• planning monthly expenses;
• reviewing recurring payments and subscriptions;
• understanding the general purpose of emergency savings;
• recognising common budgeting mistakes;
• developing consistent financial organisation routines.

The materials are presented through educational explanations, practical examples and step-by-step online modules.

Who the Programme Is Intended For

The programme is currently intended for adults aged 18 or over who reside in the United Kingdom.

It is designed for people who would like to improve their general understanding of budgeting and financial organisation.

No previous budgeting or financial education experience is required.

The programme does not assess whether it is suitable for a person’s individual financial circumstances.

How Access Works

SpendGrade does not process payments directly through this website.

A person interested in the Learning Programme can send an access enquiry to:

contact@spendgrade.com

HORNE MEDIA LTD responds manually by email with further information and an invoice.

Payment is made by bank transfer using the payment details stated on the invoice.

After payment has been received and confirmed, HORNE MEDIA LTD:

• creates an account using the participant’s email address;
• sends the participant a link to the educational platform;
• provides the information required to access the account;
• confirms the start and end dates of the paid access period.

Submitting an enquiry does not create a contract and does not require payment.

There are no automatic payments, recurring charges or automatic renewals.

Our Educational Approach

SpendGrade explains general budgeting concepts in a structured format.

The programme is intended to support independent learning. Participants can study available modules at their own pace during their paid access period.

SpendGrade does not monitor a participant’s bank account, expenditure, income, debts, savings or credit history.

The programme does not prepare an individual budget or tell a participant which financial decision to make.

What SpendGrade Does Not Provide

SpendGrade and HORNE MEDIA LTD are not financial advisers.

The website and Learning Programme do not provide:

• personalised financial advice;
• investment advice;
• investment recommendations;
• regulated debt advice;
• credit advice;
• legal advice;
• tax advice;
• accounting advice;
• recommendations concerning financial products;
• individual financial planning.

If you require advice based on your personal circumstances, you should consider contacting an appropriately qualified and authorised professional.

No Guaranteed Financial Result

Participation in the SpendGrade Learning Programme does not guarantee:

• increased savings;
• reduced expenditure;
• increased income;
• improved financial wellbeing;
• improved creditworthiness;
• successful achievement of a financial objective.

Individual circumstances vary. The way in which general educational information is understood or applied remains the responsibility of each participant.

Research and Public Sources

SpendGrade publishes editorial summaries that may reference publicly available information from organisations including:

• the Office for National Statistics;
• the Financial Conduct Authority;
• MoneyHelper;
• the Organisation for Economic Co-operation and Development.

These organisations are referenced solely as sources of publicly available information.

SpendGrade and HORNE MEDIA LTD are not affiliated with, endorsed by or acting on behalf of these organisations unless expressly stated otherwise.

These organisations do not supply, approve or participate in the SpendGrade Learning Programme.

Free Information and Independent Support

A person does not need to purchase the SpendGrade Learning Programme to access general budgeting information.

Free and impartial information is available from MoneyHelper:

https://www.moneyhelper.org.uk/

People experiencing debt problems or difficulty meeting essential payments may also find information and support through Citizens Advice:

https://www.citizensadvice.org.uk/

SpendGrade is not affiliated with or endorsed by MoneyHelper or Citizens Advice.

Our Commercial Transparency

SpendGrade is a commercial educational service.

The access plans and prices displayed on the website relate to temporary access to the paid SpendGrade Learning Programme.

HORNE MEDIA LTD receives payment from participants who purchase access.

Each access plan requires one manual payment by bank transfer. Access expires at the end of the purchased period and does not renew automatically.

Contact SpendGrade

For general enquiries or information about the Learning Programme:

Email:
contact@spendgrade.com

Telephone:
+44 (0)263 544 024

Business hours:
Monday to Friday
9:00 am to 5:00 pm UK time
Closed on weekends and UK public holidays.

Registered Company Information

Director responsible for publication:
Christian William Horne

Last updated: 14 August 2026