Last updated: 14 August 2026

Disclaimer

This Disclaimer applies to the SpendGrade website and the SpendGrade Learning Programme operated by:

1. Educational Purpose

The information provided on the SpendGrade website and through the SpendGrade Learning Programme is intended for general educational and informational purposes only.

The programme is designed to help users develop a better general understanding of personal budgeting, spending habits and financial organisation.

2. No Financial Advice

SpendGrade does not provide personalised financial, investment, tax, legal, accounting, credit or debt advice.

Nothing on the website or in the Learning Programme should be interpreted as:

• a personal recommendation;
• financial or investment advice;
• a recommendation to purchase or sell a financial product;
• a guarantee that a particular budgeting method will be suitable for you;
• a substitute for advice from an appropriately qualified professional.

HORNE MEDIA LTD is not authorised by the Financial Conduct Authority to provide regulated financial advice or arrange regulated financial products.

If you require advice concerning your individual circumstances, you should consult an appropriately qualified and, where applicable, authorised professional.

3. No Guaranteed Results

Individual results depend on personal circumstances, decisions, income, expenses, financial commitments and the way in which the educational material is applied.

We do not guarantee that use of the website or Learning Programme will:

• reduce your expenses;
• increase your income or savings;
• improve your credit position;
• eliminate debt;
• produce a particular financial result;
• prevent financial loss.

Any examples, illustrations, scenarios or calculations are provided for educational purposes and should not be treated as promises or forecasts of individual results.

4. Accuracy of Information

We take reasonable care when preparing and reviewing our educational content. However, information may become incomplete, outdated or unsuitable for a user’s particular circumstances.

We do not guarantee that every statement, example or calculation will always be complete, current or free from error.

Users should independently verify information that may influence an important financial, legal or personal decision.

5. User Responsibility

You remain responsible for evaluating the information provided and deciding whether and how to apply it.

Before making a significant financial decision, you should consider your individual circumstances and seek appropriate professional advice where necessary.

Use of SpendGrade does not create an adviser-client, fiduciary, agency or professional relationship between you and HORNE MEDIA LTD.

6. Third-Party Websites and Services

The website or Learning Programme may contain links or references to third-party websites, publications, tools or services.

These references may be provided for convenience or additional information. Unless expressly stated otherwise, they do not constitute an endorsement, partnership or recommendation.

HORNE MEDIA LTD does not control independent third-party websites and is not responsible for their availability, content, security, privacy practices, products or services.

You should review the applicable terms and privacy policies before using a third-party website or service.

7. Website and Programme Availability

We aim to keep the website and Learning Programme reasonably accessible. However, uninterrupted or error-free availability cannot be guaranteed.

Access may occasionally be restricted or interrupted because of:

• maintenance or updates;
• technical problems;
• hosting or network failures;
• security incidents;
• circumstances outside our reasonable control.

Nothing in this Disclaimer guarantees permanent or uninterrupted operation of the website or Learning Programme.

8. Limitation of Liability

Nothing in this Disclaimer or our Terms and Conditions excludes or limits liability where doing so would be unlawful, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any statutory consumer rights that cannot legally be excluded.

Subject to those protections, HORNE MEDIA LTD is not responsible for losses resulting solely from:

• reliance on general educational information without considering individual circumstances;
• decisions made without obtaining appropriate professional advice;
• misuse of the website or Learning Programme;
• circumstances outside our reasonable control;
• the content or operation of independent third-party websites.

Any additional limitations and exclusions are set out in our Terms and Conditions.

9. Testimonials and User Experiences

If testimonials or descriptions of user experiences are displayed, they represent the experiences of the individuals concerned.

They should not be interpreted as guarantees that another user will obtain the same or similar results.

10. Changes to the Content

We may revise, replace or remove website and programme content where reasonably necessary, including to correct errors, improve clarity, update information or maintain the programme.

The content available during a subscription period may therefore be updated without materially reducing the overall educational service purchased by the user.

11. Users Under 18

SpendGrade is intended for users aged 18 or over.

The website and Learning Programme are not intended to provide services to children.

12. Contact Us

If you have questions about this Disclaimer or the nature of the SpendGrade Learning Programme, please contact: