Last updated: 14 August 2026

Refund Information

This Refund Information applies to purchases of the SpendGrade Learning Programme supplied by:

1. Our 14-Day Refund Policy

In addition to any statutory rights you may have, HORNE MEDIA LTD offers a voluntary 14-day refund period for the SpendGrade Learning Programme.

You may request a refund within 14 calendar days from the date on which access to the Learning Programme is provided to you.

You may make a refund request even if you have already accessed or started using the programme during this period.

2. How to Request a Refund

To request a refund, email:

contact@spendgrade.com

Your email should include:

• your full name;
• the email address associated with your SpendGrade account;
• your invoice number, if available;
• the date on which payment was made;
• a clear statement that you wish to cancel your access and request a refund.

You do not need to provide a reason for requesting a refund within the voluntary 14-day refund period.

3. Refund Processing

Once we receive your request, we may ask for information reasonably required to identify the payment and verify that the request relates to the correct account.

Approved refunds will normally be returned by bank transfer to the account from which the original payment was made. If this is not reasonably possible, we will contact you to agree on an appropriate alternative method.

We will process an approved refund without undue delay and normally within 14 days after receiving a valid refund request and the information needed to identify the payment.

HORNE MEDIA LTD does not charge an administration fee for an approved refund made under this policy.

4. Effect of a Refund

Access to the SpendGrade Learning Programme will end when a refund request is approved.

After cancellation, you must stop accessing and using the Learning Programme and must not attempt to use previously issued login details.

Refunding a payment does not transfer ownership of any SpendGrade materials to the user. All intellectual-property rights remain with HORNE MEDIA LTD or the relevant rights holder.

5. Requests Made After 14 Days

The voluntary refund policy normally does not apply to requests submitted more than 14 calendar days after access to the Learning Programme was provided.

However, this does not affect any statutory rights you may have where digital content or services are faulty, not as described or not provided with reasonable care and skill.

Requests made after the voluntary refund period will be considered where required by applicable UK consumer law.

6. Digital Content and Statutory Cancellation Rights

The Learning Programme contains digital content and services that may be made available before the end of the statutory cancellation period.

Where required by law, we may ask you to expressly request immediate access and acknowledge the effect that early supply may have on your statutory right to cancel.

Regardless of that acknowledgement, the separate voluntary 14-day refund policy described above remains available for 14 calendar days from the date access is provided.

Nothing in this policy excludes or restricts statutory consumer rights that cannot legally be excluded.

7. Subscription Expiry and Renewal

SpendGrade does not use automatic subscription renewals or recurring card charges.

Access ends at the conclusion of the period stated on the applicable invoice:

• one month;
• three months; or
• six months.

If you wish to continue using the Learning Programme, you must contact us and make a new payment following receipt of a new invoice.

The ordinary expiry of an access period does not itself create a right to a refund.

8. Duplicate or Incorrect Payments

If you believe that you have made a duplicate payment, paid an incorrect amount or received an invoice in error, contact us at contact@spendgrade.com.

We will review the payment records and correct any confirmed error.

9. Contact Us

For cancellation and refund requests, contact: