Effective date: 2 October 2026
Last updated: 2 October 2026
These Terms of Use (“Terms”) govern your use of Paddock Report’s website, free newsletters and paid subscription service, Paddock Report Pro (together, the “Services”).
Please read these Terms before subscribing. When you purchase a Pro subscription, these Terms and the subscription details shown at checkout form your agreement with us. Please keep a copy for your records.
Paddock Report is a trading name of LazyFPL Limited, a company registered in England and Wales under company number 13289821.
Registered office: C/O Larking Gowen, 1st Floor Prospect House, Rouen Road, Norwich, Norfolk, United Kingdom, NR1 1RE.
Contact: [email protected].References to “Paddock Report”, “we”, “us” and “our” mean LazyFPL Limited trading as Paddock Report.
Our Services are intended for adults aged 18 and over.
You must provide accurate account and billing information and keep your email address up to date. Accounts and paid subscriptions are for your personal use.
Keep your login codes and account access secure. Tell us promptly if you believe someone has accessed your account without permission.
You will need a working email address and, for website access, an internet connection and a compatible web browser. Your internet or mobile provider’s normal charges may apply.
Paddock Report publishes horse racing news, analysis, opinions and selections. Pro provides additional content and benefits described on the subscription page and at checkout when you subscribe.
Publication schedules, seasonal guides and promotional benefits are as described in the relevant offer. Some coverage depends on the racing calendar, declared runners and information becoming available.
We will provide the paid Services as described and with reasonable care and skill. If we need to make a significant change to your paid subscription, the protections in section 12 apply.
Our content provides information and editorial opinion. Predictions and selections are uncertain and do not guarantee a winning bet, a particular return or a profit.
Odds, runners, conditions and other information can change after publication. Check current information before making a betting decision. Historical results do not guarantee future performance.
A subscription purchases access to our content. We do not accept bets or place bets on your behalf.
Any decision to bet, including your choice of bookmaker and stake, is yours. Only bet where it is legal for you to do so, and never gamble more than you can afford to lose.
You can find gambling support at gamcare.org.uk.
The price, currency, billing period, included benefits and any trial or promotional terms will be shown before you purchase. Prices shown to consumers include applicable taxes.
Payments are processed through Stripe. By purchasing an automatically renewing subscription, you authorise recurring payments using your chosen payment method.
Unless the offer expressly states otherwise, your subscription renews automatically at the end of each billing period until you cancel. Monthly plans renew monthly and annual plans renew annually.We will provide confirmation of your subscription and the applicable terms by email or another format you can save.If a payment fails, we may retry it and ask you to update your payment information. We may suspend paid access or cancel the subscription if payment remains outstanding. This does not remove any rights you have under consumer law.
If we offer a trial or discounted subscription, its duration, eligibility requirements, initial price and subsequent price will be shown before you sign up.
Where an offer converts into a paid or full-price subscription automatically, the conversion date and charge will be explained before purchase. You can prevent that charge by cancelling before the stated conversion date.
Offers may be limited to particular subscribers or one use per person where this is stated in the offer. We may refuse a promotional benefit obtained through fraud or deliberate abuse.
You can cancel your subscription at any time to stop future renewals, through your subscription management page or by emailing [email protected].Cancel before your next renewal date to prevent the next scheduled charge. If you cancel by email, we will treat the date we receive your clear cancellation request as the cancellation date.
You’ll retain Pro access until the end of your current paid billing period, and no further renewal payments will be taken. This does not affect any legal right to end the agreement immediately.Unsubscribing from newsletter emails does not cancel a paid subscription. Cancelling Pro does not automatically unsubscribe you from the free newsletter.
Payments are non-refundable unless a refund is required by law or expressly provided for elsewhere in these Terms. We do not offer partial refunds for unused subscription time simply because you cancel, stop using Pro or change your mind.We do not offer a separate money-back guarantee unless expressly stated in an offer. An unsuccessful racing selection does not, by itself, entitle you to a refund.
If you are a UK consumer purchasing online, you generally have a legal right to cancel within 14 days after entering the subscription agreement, subject to the rules below. Consumers elsewhere may have additional mandatory rights.
Digital content: where we supply digital content during that period, you lose the statutory cancellation right for that content only if you have expressly consented in advance to supply beginning immediately, acknowledged that you will lose that right when supply begins, and received the legally required confirmation. Accepting these Terms alone does not constitute that separate consent and acknowledgement.
Services: where you expressly request a service to begin during the cancellation period, a proportionate charge for service already provided may be payable if you cancel, but only where the legal requirements for that charge have been met. Any loss of the cancellation right following full performance is also subject to the applicable legal requirements.
This does not limit your rights if our content or Services are faulty, not as described or otherwise fail to meet legal requirements. You may be entitled to a remedy, including a refund, under applicable consumer law.
To exercise a statutory cancellation right, send a clear statement to [email protected] or our registered office. Sending your cancellation notice before the deadline is sufficient. No particular wording is required: simply tell us clearly that you wish to cancel.
Where a statutory cancellation refund is due, we will issue it without undue delay and within 14 days of receiving your cancellation notice, using the original payment method unless you agree otherwise. We will not charge a refund fee.
Our content, branding and other materials belong to us or our licensors and are protected by intellectual property laws.You may read and use content for your own personal, non-commercial purposes and keep personal copies of content we make available for download.You must not, without our permission:
Share your account or paid access with other people.
Forward, republish, distribute or sell paid newsletters, selections or guides.
Copy substantial parts of our content into another publication, service or paid group.
Scrape or collect our content using automated tools.
Remove copyright notices or misrepresent our content as your own.
These restrictions do not override rights permitted by law, including lawful quotation. You may share links to publicly available pages.
You must not use the Services unlawfully, attempt to gain unauthorised access, interfere with security or send abusive or threatening communications.
We may suspend or terminate access where reasonably necessary to address non-payment, fraud, a serious breach of these Terms or a security risk. Where appropriate, we will explain the reason and give you a reasonable opportunity to resolve the issue.
Any suspension or termination will be proportionate to the circumstances and will not remove your statutory rights.
If we end a paid subscription for reasons unrelated to your breach, we will refund the unused prepaid portion.
Our Services depend on email delivery, hosting and payment providers. Temporary interruptions may occur, and email delivery can be affected by spam filters or incorrect contact details.We will take reasonable steps to resolve problems with the Services. Contact us if you cannot access paid content.
If a significant interruption prevents us from providing paid Services, your applicable consumer remedies remain available.
Links to third-party websites are provided for convenience. Those providers have their own terms. We will identify sponsored content and affiliate links where applicable.
We may make reasonable changes to reflect legal requirements, security needs, technical developments or changes to our content offering.
Price increases will apply only to a future renewal, not retrospectively to a billing period you have already paid for. We will give you at least 30 days’ notice before a higher renewal price takes effect, allowing you to cancel first.
We will give reasonable advance notice of other material changes affecting paid subscribers, normally at least 30 days where practicable. Urgent legal or security changes may require shorter notice.
If a change materially reduces your paid benefits or disadvantages you during a prepaid period, you may end your subscription before the change takes effect and receive a proportionate refund for the unused period.
If we discontinue Pro, we will notify affected subscribers, stop future renewals and refund any unused prepaid period.
We are responsible for foreseeable loss or damage caused by our breach of these Terms or failure to use reasonable care and skill. Loss is foreseeable if it is an obvious consequence or was reasonably contemplated when the agreement was made.
An unsuccessful racing prediction or selection does not, by itself, establish that we have breached these Terms.
The Services are provided for personal use. We do not accept responsibility for business losses arising from their use for commercial purposes.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any liability that cannot legally be excluded or limited. Nothing restricts your statutory consumer rights.
Our Privacy Policy explains how we collect, use and protect your personal data. It is available on our website.
Please send complaints to [email protected], including the email address associated with your account and details of the issue. We will investigate and respond within a reasonable period.
These Terms are governed by the law of England and Wales. If you are a consumer, you retain the protections of any mandatory consumer laws that apply in your country of residence.Disputes may be brought in the courts of England and Wales. This does not prevent consumers from bringing proceedings in the courts of their place of residence where applicable law permits.