Terms of service

1. Who we are and what this is

Unspent is operated by [Company Name Ltd], registered in England and Wales (company number [00000000]), registered office [address] ("we", "us"). Contact: [support@yourdomain]. These terms are a contract between you and us for your use of the Unspent website and membership.

Unspent is a structured self-help programme and progress-tracking service for reducing spending on creator platforms. It is not clinical treatment, therapy, counselling, or medical care; it is not gambling treatment; and nothing in it is financial, debt, investment, or legal advice. Signposts to third-party services (such as StepChange, National Debtline, or Samaritans) are provided for convenience and are not endorsements or referrals.

2. Eligibility

You must be at least 18 years old and able to enter a binding contract. The service is directed at consumers resident in the United Kingdom; if you use it from elsewhere, you are responsible for local compliance, and mandatory consumer protections of your country of residence still apply to you.

3. Your account

You sign up with an email address (used only to send sign-in codes and links) and a pseudonymous username. You are responsible for keeping access to your email account secure; anyone who can read your email can access your Unspent account. One account per person. Do not use a username that identifies another person or impersonates anyone.

4. Membership, price, and billing

Membership is a monthly subscription at the price displayed at checkout, billed in advance each month by our payment processor, Stripe. We never see or store your card details. The price for your next renewal will not change without at least 30 days' notice by email; if you do nothing, the new price applies from your next renewal, and you can cancel before it takes effect.

You can cancel at any time with one click in your account settings. Cancelling stops all future charges; your access continues until the end of the period you have already paid for.

5. Payments are non-refundable; your cancellation rights

Except where the law requires otherwise, payments are non-refundable, in whole and in part. Our promise instead is a clean exit: cancellation always works, always takes one click, and always stops every future charge.

Cooling-off: you normally have a 14-day right to cancel a distance contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. By completing checkout you expressly request immediate access to your programme (digital content and services supplied immediately), and you acknowledge that (a) once you open your programme, you lose the 14-day right to cancel in respect of that digital content, and (b) if you cancel within 14 days before opening it, we will refund you in full. Nothing in this section or these terms affects your statutory rights, including your rights under the Consumer Rights Act 2015 to service performed with reasonable care and skill and to digital content of satisfactory quality.

6. Acceptable use

You may not: share, resell, scrape, or republish programme content; attempt to access another member's data; probe, disrupt, or overload the service; or use the service for any unlawful purpose. We may suspend or terminate an account that breaches these terms; termination for breach does not entitle you to any refund beyond what the law requires.

7. Content and intellectual property

All programme content, software, and branding are owned by us or our licensors. You get a personal, non-transferable licence to use the content for your own private use while your membership is active. The figures, plans, and progress data you generate are yours; we use them only to run the service as described in the privacy policy.

8. Important limits of the service

The programme is self-help. Outcomes depend on you; we do not promise that you will stop spending, save any particular amount, or achieve any result, and figures shown (such as projected savings or investment illustrations) are illustrative only and are not advice or predictions.

The service is not an emergency or crisis service and is not monitored in real time. If you are in crisis, contact Samaritans on 116 123 (free, 24/7), NHS 111 (option 2), or emergency services on 999.

9. Our liability

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited by law.

Subject to that: we are not liable for losses that were not foreseeable when the contract was made, losses not caused by our breach, or business losses (the service is for consumers, for private use). Our total liability to you in any 12-month period is limited to the membership fees you paid us in that period.

We are not responsible for third-party services we signpost to, for your bank's implementation of card freezes or merchant blocks, or for the acts of creator platforms.

10. Ending or changing the service

We may update the service and programme content over time; we will not materially reduce what your membership includes during a period you have paid for. If we discontinue the service entirely, we will give at least 30 days' notice by email and will not charge you beyond the notice period.

We may update these terms; material changes will be notified by email at least 30 days before they take effect, and continuing to use the service after that date is acceptance. The version of the terms in force when you last renewed applies to that period.

11. General

These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction (if you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts). If any part of these terms is found unenforceable, the rest remains in force. We may transfer this contract as part of a sale of the business; your rights are unaffected. Failure to enforce a right is not a waiver of it.

Complaints: contact [support@yourdomain] and we will respond within 14 days. The EU/UK online dispute resolution platform does not apply to us; we are not required to and do not participate in alternative dispute resolution schemes.