Terms of Service

Last updated 20 October 2026

1. Who you are buying from

This site is operated by Spencer J Hosking ("we", "us"). Contact: hello@spencerjhosking.com. Buying anything here, or using this site, means you accept these terms. If you do not accept them, please do not buy.

You must be at least 18 years old to purchase.

2. What is sold here

Every product on this site is digital — an ebook, a set of worksheets, audio, or video lessons. Nothing physical is shipped. Current products and their prices:

All prices are in US dollars and are one-time charges, except the Superhuman Systems payment plan and the Spencer AI membership described below. Every add-on is optional, states its full price before you accept it, and is never added unless you choose it. Your bank may apply its own currency conversion or foreign transaction fee, which we do not control and do not receive.

The Charge Clearing Master Sheet is also offered at a reduced price of $17.00 if you decline it during checkout. That reduced price is genuinely time-limited: it is tied to the order you have just placed, it expires 45 minutes after it, and once expired it cannot be reinstated. It buys exactly the same product as the price in the table, and the price you accept is always shown on the button you click before anything is charged.

If you decline Superhuman Systems at $297.00 you are offered a payment plan instead: three payments of $109.00 ($327.00 in total) on the card you used at checkout — the first when you accept, then one a month later and one two months later, on the dates shown beside the button. Billing stops by itself after the third payment. You get the whole course with the first payment. Agreeing to the plan means agreeing to all three payments; the 14-day money-back guarantee covers the plan as well, and a refund within it cancels the payments still to come.

The last offer after checkout is a 7-day free trial of the Spencer AI membership ($33.33 a month, GST included). Nothing is charged when the trial starts. Unless you cancel before it ends, $33.33 is charged on the card you used at checkout on the date shown beside the button, and every month after that until you cancel. We email you 2 days before the first charge. You can cancel in one click from your billing page in the members area; cancelling during the trial means you are never charged. The same page offers the yearly plan ($333.33 a year, charged when you accept).

1:1 coaching: application & refund

Superhuman Systems 1:1 coaching (12 weeks with Spencer) is applied for at /apply, and it works differently from the products above. There is no sales call. Instead:

1. You pay to apply. US$3,000 in full, or the first payment of a pay plan (3 monthly payments of US$1,000, or 12 weekly payments of US$250). Paying secures your application; it does not guarantee you a place.
2. You fill in a short application straight after paying.
3. Spencer personally reviews every application within 3 business days.
4. If you are accepted, you get an onboarding email with your next steps. If you are not accepted, everything you have paid is refunded in full, to the card you paid with, within 5–7 business days, with no questions asked. Any pay-plan payments still to come are cancelled, so nothing more is charged.

Whether you are accepted is Spencer's decision. It is based on whether he believes he can genuinely help you, and a decline is not a judgement of you. Like everything else here, coaching is not a promise of any particular result (see section 8).

3. Payment

Payments are processed by Stripe. Card details are entered on Stripe's own secure payment page and are held by Stripe — we never see or store your full card number. Your purchase is also subject to Stripe's terms.

Charges appear on your statement under the name shown at checkout. If you do not recognise a charge, email us before contacting your bank — we can almost always resolve it faster, and a chargeback permanently closes your access while it is investigated.

4. Keeping your card on file for the one-click add-ons

This is the only unusual thing about this checkout, so it is set out in full.

When you complete your first order you are asked to agree that your card may be securely stored with Stripe and charged again during that same checkout, without re-entering your details, if you choose to accept one of the optional add-ons on the two pages that follow. In agreeing, you should understand all of the following:

• Each add-on states its full price before you accept it.
• Nothing is charged unless you click the button to add it. Declining costs you nothing and does not affect your original order.
• Your card is released as soon as you reach the confirmation page, unless you chose the Superhuman Systems payment plan or the Spencer AI membership described below.
• For anything other than those two, your card cannot be charged at all more than two hours after you give this permission. This is enforced automatically, not as a matter of policy.
• The Superhuman Systems payment plan charges your card three times, on the dates shown on its page, and then stops by itself. Your card stays on file for those payments only.
• The Spencer AI membership — including one that starts with the 7-day free trial — renews at the price and interval shown on that page until you cancel, and if you choose it your card stays on file for those renewals only. You can cancel any time from your billing page in the members area; you keep access until the end of the trial or the period you've paid for, and cancelling during the trial means you are never charged.
• Apart from those two, there is no subscription, no recurring billing, no trial that converts, and no later charge of any kind.

The exact wording you agreed to is recorded with your order, along with the time you agreed. Ask and we will send you a copy.

5. Delivery and access

Access is immediate. When your payment succeeds, everything you bought is unlocked in the members area at spencerjhosking.com/members, and a confirmation email is sent to the address on your order.

You sign in to the members area with a one-time code sent to that email address — there is no password to lose. Use the same address you bought with.

If your access has not appeared within a few minutes, check your spam folder, then email hello@spencerjhosking.com and it will be fixed manually. Non-delivery is always fixed or refunded.

We intend to keep purchased material available indefinitely. Should a product ever be withdrawn, existing buyers will be given notice and the opportunity to download their copy.

6. Refunds

Every purchase is covered by a 14-day money-back guarantee, set out in full in the Refund Policy, which forms part of these terms. Applying for 1:1 coaching has its own refund, set out in section 2 and in the Refund Policy: not accepted means a full refund.

7. What you may and may not do with what you buy

You get a personal, non-transferable licence to use what you bought, for yourself. You may read it, print a copy for your own use, and apply it in your own life and work.

You may not share your login, redistribute the files, resell them, publish them anywhere, or use them to create a competing product. The material is copyright © Spencer J Hosking. Sharing or reselling ends your access without refund.

8. Results, and what this is not

This matters, so it is plain rather than buried:

• These are educational and personal-development materials. They are sold as information, not as a service, and not as a guaranteed outcome.
• No result is promised or guaranteed. Nothing here is a promise of income, of business results, of health outcomes, or of any particular change in your life. What you get out of it depends on you, your circumstances, and what you actually do.
• Testimonials are individual experiences. The messages shown on this site are real and are reproduced as they were received, but they are not typical, not average, and not a prediction of your results.
• Nothing here is medical, psychological, financial, legal or professional advice, and none of it substitutes for it. If you are dealing with a mental or physical health condition, please speak to a qualified professional. Do not stop or change any treatment on the basis of anything you read here.

9. Availability

We work to keep the site and members area available, but cannot promise uninterrupted service. Access may be briefly unavailable for maintenance or through a failure of a service we depend on. If an outage prevents you from reaching something you bought for an extended period, email us.

10. Limitation of liability

To the fullest extent the law allows, our total liability arising out of your purchase or use of this site is limited to the amount you actually paid for the product concerned. We are not liable for indirect or consequential loss, including lost profits or lost opportunity.

Nothing in these terms excludes or limits any right you have under mandatory consumer law in your country, including any statutory guarantee or right to a remedy. Where such a right applies, it applies in addition to the guarantee offered here.

11. Ending access

We may withdraw access without refund if you share or redistribute purchased material, attempt to gain access to anything you have not bought, abuse the refund guarantee across repeated orders, or raise a fraudulent chargeback. Otherwise your access continues.

12. If something goes wrong between us

Email hello@spencerjhosking.com first. Nearly everything — a duplicate charge, a missing file, an unwanted add-on, a refund — is resolved the same way and faster by asking. If a dispute cannot be resolved that way, it may be brought before the courts of competent jurisdiction in the country where you live, and nothing here removes your right to bring a consumer claim locally.

13. Changes to these terms

These terms may change; the date at the top changes with them. The version in force when you bought is the version that governs your purchase, and we keep a record of it.