Payment and Refund Policy
Last updated: 29 September 2026
Scope of the policy and the products or services it covers
This Payment and Refund Policy applies to all commercial transactions conducted through breakspotly for access to Course A, our timely media coverage resource. The services include structured training modules on story updates, spotlight segments, studio reports, camera setup techniques, and workflow optimisation for news and events coverage. It governs purchases made by individuals and organisations based in the United Kingdom and sets out the terms under which payments are processed and refunds considered. The policy does not extend to third-party platforms or resellers unless explicitly stated in a separate agreement.
Prices, currencies, taxes, and any additional charges
All prices displayed on the website are quoted in British Pounds Sterling (GBP). Value Added Tax (VAT) at the prevailing UK rate is included in the displayed price for consumers. Corporate or institutional purchasers may be subject to additional charges for customised delivery or extended access periods. No hidden fees apply to standard course enrolment; however, optional add-ons such as live workshop sessions or supplementary materials incur separate costs disclosed at the point of purchase. Currency conversion for international cards is handled by the card issuer and may involve foreign transaction fees outside our control.
Accepted payment methods, payment authorisation, and payment security
We accept major credit and debit cards including Visa, Mastercard, and American Express, as well as bank transfers for orders exceeding a specified threshold. Payments are authorised in real time through a secure third-party processor compliant with PCI DSS standards. Authorisation confirms sufficient funds and reserves the amount until the transaction completes. All card data is encrypted and never stored on our servers. Recurring payments for subscription-based access are processed automatically on the renewal date using the stored payment details provided at initial enrolment.
Order, booking, or service confirmation and when a contract is formed
Upon successful payment authorisation, an order confirmation email is sent to the address provided during checkout. This confirmation constitutes acceptance of the order and formation of a binding contract under UK law. Access credentials or digital materials are delivered electronically within one business day. The contract is governed by the laws of England and Wales, and you agree that any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
Cancellation rights and applicable cancellation periods
Under the Consumer Contracts Regulations 2013, UK consumers have a 14-day cooling-off period from the date of contract formation during which they may cancel without providing a reason. For digital content and services, cancellation rights are lost once download or access has begun with your explicit consent. If you cancel within this period, you are entitled to a full refund of any sums paid, subject to the exclusions detailed below. To exercise this right, written notice via the contact form on our Contacts page is required.
Refund eligibility, exclusions, and non-refundable items or services
Refunds are available for cancellations within the 14-day period where no substantial access has occurred. Enrolment fees for completed modules, live sessions attended, or materials already downloaded are non-refundable. Promotional or discounted purchases may carry adjusted refund terms stated at the time of offer. Services rendered prior to cancellation, including any personalised workflow consultations, are excluded from refund eligibility. Refunds are not granted for change of mind after the cooling-off period or for failure to meet personal learning objectives.
The step-by-step procedure and information required to request a refund
To request a refund, submit a written request through the contact form on the Contacts page, providing your full name, order reference number, date of purchase, and a clear statement of the reason for cancellation. Include any supporting documentation such as confirmation emails. Requests must be made within the applicable time limits. Incomplete submissions will be returned for additional information, delaying processing.
Inspection, approval, rejection, and notification of the refund decision
Each request is reviewed within 10 business days of receipt. We assess eligibility against the terms of this policy and UK consumer legislation. You will receive written notification of approval or rejection via email, explaining the decision and any next steps. Rejected requests include details of the appeal process, which must be initiated within 14 days of the decision notice.
Refund method, processing time, and when funds should reach the customer
Approved refunds are issued using the original payment method where possible. Processing typically takes 5 to 10 business days, though bank transfers or card issuer timelines may extend this to 14 days. You will be notified once the refund has been initiated. For bank transfers, the funds appear in your account within three business days of our initiation.
Special rules for digital content, subscriptions, services, or promotional offers where relevant
Digital course content is considered supplied immediately upon access grant, triggering loss of cancellation rights if you have consented to immediate performance. Subscription renewals follow the same 14-day rule from each renewal date. Promotional bundles are refunded proportionally only if the entire bundle remains unused. Any free trial periods convert to paid access automatically unless cancelled before expiry.
Failed payments, duplicate charges, chargebacks, and suspected fraud
Failed payments result in immediate suspension of access until resolved. Duplicate charges are investigated and refunded automatically upon detection. Chargebacks are treated as disputes and may lead to permanent account restrictions. Suspected fraudulent activity triggers immediate account hold and reporting to relevant authorities in line with UK financial regulations. You agree to notify us promptly of any unauthorised transactions.
Mandatory consumer rights in the target country that the policy cannot exclude
Nothing in this policy affects your statutory rights under the Consumer Rights Act 2015, UK GDPR, the Data Protection Act 2018, or the Privacy and Electronic Communications Regulations. These rights include remedies for faulty digital content and protection against unfair contract terms. We cannot exclude liability for death or personal injury caused by negligence or for fraud.
Contact route, policy changes, and last-updated date
For queries regarding this policy, use the contact form available on the Contacts page. We may update this policy periodically to reflect changes in law or service offerings. The current version date appears at the top of the page. Continued use of the site after updates constitutes acceptance of the revised terms. breakspotly operates from 37 N Wharf Rd, Paddington, London W2 1AF, United Kingdom and can be reached at [email protected] for policy-related correspondence.