Last updated: 14 August 2026

Terms & Conditions

These Terms and Conditions govern access to and use of the SpendGrade website and SpendGrade Learning Programme.

1. About Us

SpendGrade is operated and supplied by:

In these Terms, “SpendGrade”, “we”, “us” and “our” refer to HORNE MEDIA LTD.

2. About the Learning Programme

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

The programme provides general educational information and practical learning materials. It does not provide personalised financial, investment, debt, credit, legal, accounting or tax advice.

SpendGrade does not recommend or arrange financial products and does not guarantee any particular financial outcome.

3. Eligibility

You must be at least 18 years old to request or purchase access to the Learning Programme.

By purchasing access, you confirm that:

• you are at least 18 years old;
• the information you provide is accurate;
• you have authority to make the payment;
• you are purchasing access for your own personal and non-commercial use;
• you have read and accepted these Terms and Conditions.

If you purchase access on behalf of an organisation or another person, you confirm that you have authority to bind that organisation or person to these Terms.

4. Access Request

To request access, you must contact us using the email link provided on the website or email contact@spendgrade.com.

Submitting an access request:

• does not create a contract;
• does not require you to make a payment;
• does not guarantee that access will be offered;
• does not create an automatic subscription.

We will review the request and respond manually by email.

5. Plans and Prices

The following access plans may be offered:

• One-month access: £39
• Three-month access: £99
• Six-month access: £179

Each price represents a single manual payment for the stated access period.

HORNE MEDIA LTD is not currently registered for VAT and VAT is not added to the prices stated above.

The applicable price and access period will be confirmed on the invoice sent to you before payment.

If a website price and an invoice price differ, you should contact us before making payment. We will confirm the correct price in writing.

6. Invoice and Payment

If your access request is accepted, HORNE MEDIA LTD will issue an invoice by email.

Payment must be made by bank transfer using the payment details and reference shown on the invoice.

We do not currently accept payment directly through the SpendGrade website.

We do not store payment-card details, and no automatic card payments or direct debits are created.

You are responsible for:

• using the correct bank details;
• including the requested payment reference;
• paying any bank charges imposed by your bank;
• checking the invoice before making payment.

If you believe that an invoice contains an error, contact us before making payment.

7. Formation of the Contract

A contract is not formed merely because:

• you visit the website;
• you send an access request;
• we respond to your email;
• we issue an invoice.

The contract is formed when we have received and confirmed the required payment and send you confirmation that access is being provided.

The contract consists of:

• these Terms and Conditions;
• the applicable invoice;
• our Refund Information;
• any additional written terms expressly agreed between you and HORNE MEDIA LTD.

If there is a conflict, individually agreed written terms and the invoice will take priority regarding the specific price and access period.

8. Provision of Access

Access is provided after our accounting records show that the required payment has been received and confirmed.

Once payment has been confirmed:

• we will create an account using the email address supplied by you;
• we will send the platform link and access information by email;
• your paid access period will begin when access is made available to you.

Access is not described as immediate or guaranteed within a specific number of minutes or hours. Processing times may depend on banking and accounting confirmation.

You are responsible for checking your inbox and spam or junk folder and for informing us if the access email has not arrived.

9. Early Provision of Digital Content

You may ask us to provide access before the end of any applicable statutory cancellation period.

Where required by UK consumer law, before providing early access we may ask you to confirm that:

• you expressly request the digital content and services to be supplied during the cancellation period;
• you understand that starting supply may affect your statutory right to cancel;
• you have received or can access these Terms and Conditions.

Any effect on your statutory cancellation rights does not remove the separate voluntary 14-day refund policy offered by HORNE MEDIA LTD and described below.

10. Access Period

Your access period will be the period stated on your invoice:

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

The access period begins when access to the Learning Programme is provided.

During the paid access period, you will receive access to the learning materials included in the applicable SpendGrade programme.

Access ends when the purchased period expires unless you request and pay for a new access period.

11. Renewals

SpendGrade does not use automatic renewals.

We will not automatically:

• charge your bank account;
• charge a payment card;
• issue a recurring direct debit;
• extend your access without a new request and payment.

To continue after your access period expires, you must contact us by email. If renewal is available, we will send a new invoice.

A renewal creates a new paid access period after the new payment has been received and confirmed.

12. Voluntary 14-Day Refund Policy

In addition to your statutory rights, HORNE MEDIA LTD offers a voluntary 14-day refund period.

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

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

To request a refund, email contact@spendgrade.com and include:

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

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

Approved refunds will normally be returned by bank transfer to the account from which payment was made. We will process an approved refund without undue delay and normally within 14 days after receiving the valid request and the information needed to identify the payment.

Access will end when the refund request is approved.

Further information is provided in the Refund Information section available through the website footer.

13. Statutory Consumer Rights

Nothing in these Terms excludes or restricts consumer rights that cannot legally be excluded.

You may have statutory remedies if digital content or services are:

• not as described;
• not of satisfactory quality where that requirement applies;
• not supplied with reasonable care and skill;
• faulty or technically defective;
• not provided as agreed.

The voluntary refund policy is provided in addition to these statutory rights.

14. Account Security

Your account and login details are personal to you.

You must not:

• share login details with another person;
• allow multiple people to use a personal account;
• sell, transfer or sublicense your access;
• attempt to gain unauthorised access to the platform;
• interfere with the website, platform or security systems;
• use automated tools to copy or extract programme content.

You must take reasonable steps to protect your login details and notify us promptly if you suspect unauthorised access.

We may reset credentials or temporarily restrict access where reasonably necessary to protect the account, platform or other users.

15. Acceptable Use

You may use the Learning Programme only for lawful, personal and non-commercial educational purposes.

You must not:

• reproduce or distribute programme materials without permission;
• publish the materials on another website or platform;
• use the materials to create a competing product or service;
• remove copyright, trademark or ownership notices;
• upload malicious software or harmful code;
• use the service fraudulently or unlawfully;
• harass staff or other users;
• misrepresent your identity or payment information.

16. Intellectual Property

The SpendGrade website, brand, Learning Programme and original materials are owned by or licensed to HORNE MEDIA LTD.

Payment gives you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the materials during the purchased access period.

Payment does not transfer ownership of the materials or any intellectual-property rights to you.

You may make reasonable personal notes for your own non-commercial study. You may not reproduce, publish, sell, share or commercially exploit substantial parts of the materials without our prior written permission.

17. Programme Updates

We may update, correct, reorganise or replace programme materials where reasonably necessary to:

• improve clarity or quality;
• correct errors;
• update information;
• maintain security;
• respond to legal or technical changes.

Updates will not intentionally remove the essential nature of the educational service purchased by the user during an active access period.

18. Educational Information and User Decisions

The Learning Programme provides general educational information only.

Your financial circumstances are personal, and the programme does not assess your income, debts, credit position, tax circumstances, investment objectives or individual needs.

You remain responsible for:

• deciding whether information is relevant to you;
• checking information before relying on it;
• making your own financial decisions;
• obtaining qualified professional advice where appropriate.

No adviser-client, fiduciary, agency or professional relationship is created through use of SpendGrade.

19. No Guaranteed Results

We do not guarantee that use of SpendGrade will:

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

Examples and scenarios are provided for educational purposes and are not promises or forecasts of individual results.

20. Technical Availability

We aim to make the website and Learning Programme reasonably available, but continuous or error-free access cannot be guaranteed.

Access may occasionally be interrupted because of:

• maintenance or updates;
• hosting or network failures;
• security incidents;
• faults affecting third-party technology;
• circumstances outside our reasonable control.

If a material technical problem prevents access for a significant period, contact us at contact@spendgrade.com. We will review the circumstances and provide an appropriate remedy where required.

21. Suspension and Termination

We may suspend or terminate access where we reasonably believe that:

• an account is being shared without permission;
• the programme is being copied or redistributed;
• the user has attempted unauthorised access;
• payment has been reversed or made fraudulently;
• the user has materially breached these Terms;
• suspension is necessary to protect the platform or other users.

Where reasonably possible, we will explain the reason and allow the user an opportunity to resolve a remediable breach.

Termination for a serious or unresolved breach may affect eligibility for a voluntary refund, but it does not remove statutory rights that cannot legally be excluded.

You may stop using the programme at any time. A decision to stop using it after the 14-day voluntary refund period does not automatically create a right to a refund.

22. Third-Party Services and Links

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

Unless expressly stated otherwise, such references do not constitute an endorsement, partnership or personal recommendation.

We do not control independent third-party services and are not responsible for their availability, content, products, security or privacy practices.

Your use of a third-party service is subject to that provider’s own terms and policies.

23. Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• breach of statutory consumer rights that cannot be excluded;
• any other liability that cannot legally be limited.

Subject to these protections, we are not responsible for losses caused solely by:

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

If you are a consumer, we supply the programme for personal and non-commercial use. We are not responsible for business losses, loss of business, loss of profit or loss of business opportunity arising from consumer use of the programme.

24. Personal Data

We process personal data in accordance with our Privacy Policy.

Information may be used to:

• respond to access requests;
• issue and administer invoices;
• confirm payments;
• create and manage accounts;
• provide access and support;
• handle cancellations or refunds;
• maintain security;
• comply with legal obligations.

The Privacy Policy is available through the website footer.

25. Complaints

If you have a complaint, contact:

Email: contact@spendgrade.com
Telephone: +44 (0)263 544 024

Please include your name, account email, invoice number where available and a description of the issue.

We will review the complaint and aim to provide a substantive response within a reasonable period.

26. Changes to These Terms

We may update these Terms to reflect changes to the programme, business processes, technology or applicable law.

The updated version will display a revised “Last updated” date.

Changes will not retrospectively remove statutory rights or materially alter an existing paid access period without a valid legal reason.

27. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

28. No Waiver

If we do not immediately enforce a provision of these Terms, this does not mean that we have waived our right to enforce it later.

29. Transfer of Rights

You may not transfer your account or rights under these Terms without our written permission.

We may transfer our rights or obligations to another organisation where this does not reduce your statutory consumer protections. We will provide notice where required.

30. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales.

If you are a consumer resident elsewhere in the United Kingdom, you may also benefit from mandatory protections and bring proceedings in the courts available under applicable consumer law.

31. Contact Details