The short version: By registering for any Equestrian 25 challenge, you agree to these terms. Each registration is per challenge only, is non-refundable once your challenge materials have been issued, and is entirely self-paced and voluntary. Safety is your responsibility at all times.
1. About Us
The Equestrian 25 Challenges is operated by FMD Holdings, LLC, a company incorporated in the United States. Our challenges are designed for equestrians across the United Kingdom.
In these Terms and Conditions, "we", "us", and "our" refer to FMD Holdings, LLC trading as The Equestrian 25 Challenges. "You" refers to the person registering for and/or participating in a challenge.
If you have any questions about these terms, please contact us before registering:
2. Acceptance of Terms
By completing registration and payment for any Equestrian 25 challenge, you confirm that you have read, understood, and agreed to these Terms and Conditions in full.
If you are registering on behalf of a participant under the age of 18, you confirm that you are the parent or legal guardian of that participant and that you accept these terms on their behalf.
3. Registration and Payment
Each challenge requires a separate registration and payment. Registration for one challenge does not grant access to any other challenge, past or future, and does not constitute a subscription of any kind. You will never be charged again without completing a new registration.
The registration fee for each challenge is stated clearly on the relevant challenge registration page at the time of registration. All fees are listed in pounds sterling (GBP).
Payments are processed securely by Stripe. By completing payment, you agree to Stripe's terms of service. We do not store your payment card details.
On successful payment, your challenge materials — including your list of challenge prompts or activity logbook, as applicable to the challenge — will be emailed to the address provided at registration. This delivery is considered immediate fulfilment of our primary obligation under your registration.
Not received your challenge materials? Please check your spam or junk folder first. If you still cannot find them, contact us at [email protected] or message us on our Facebook page and we will resend them to you promptly.
4. Refund Policy
As challenge materials are delivered digitally at the point of registration, all sales are final and registration fees are non-refundable once your challenge materials have been issued.
If you are unable to complete a challenge due to exceptional circumstances — such as illness, injury, or a serious change in your horse's health — please contact us. We will consider each situation on a case-by-case basis and do our best to find a fair solution. We cannot guarantee a refund in any circumstance, but we will always listen.
To discuss your circumstances, please contact us at [email protected] or via our Facebook page. We aim to respond within 24 hours, Monday to Friday.
5. Challenge Participation
Eligibility
Our challenges are open to all ages. Participants under the age of 18 must have the permission of a parent or legal guardian, who must register on their behalf and accept these terms.
Honour System
Our challenges operate entirely on the honour system. You are not required to submit photographic or video evidence of you completing activities or prompts other than that of the completed log or checklist. By submitting your completed log, you confirm that the activities or prompts listed were genuinely completed during the relevant challenge period.
Challenge Period
Each challenge has a defined start date, end date, and log submission deadline. These dates are clearly communicated at the time of registration and in your challenge materials. Activities or prompts completed outside of the stated challenge period may not be accepted.
Log Submission
To receive your finisher rosette, you must submit a completed log confirming which activities or prompts you completed. Logs must be submitted by the stated deadline. Late submissions may not be accepted, though we will always try to be reasonable where circumstances allow.
Rosette Delivery
Upon verification of your completed log (within 48 hours of submission), your finisher rosette will be posted via Royal Mail within 5 working days. We are not responsible for delays caused by postal services. If your rosette does not arrive within a reasonable time, please contact us and we will investigate.
6. Safety and Personal Responsibility
Safety is your responsibility at all times. Working with horses carries inherent risk. By participating in any Equestrian 25 challenge, you accept full responsibility for your own safety and the safety of those around you.
You agree to:
- Use good judgement at all times when working with or around horses
- Never attempt any activity that is beyond your own or your horse's current level of ability or training
- Wear appropriate safety equipment, including a correctly fitted riding hat where applicable
- Ensure that any activity involving children or young people is appropriately supervised by a responsible adult
- Comply with all applicable laws, regulations, and codes of practice relating to equestrian activity in your region
We strongly recommend that all participants hold appropriate personal accident insurance and that horses are covered by suitable equine insurance. We do not provide insurance of any kind as part of challenge registration.
FMD Holdings, LLC, trading as The Equestrian 25 Challenges, accepts no liability for any injury, accident, loss, or damage — to person, horse, or property — arising from participation in any of our challenges.
7. Photographs and User Content
You are never required to share photographs or videos with us. Your images are your own private memories.
If you choose to share photographs with us — via email, Facebook, or any other means — you grant FMD Holdings, LLC a non-exclusive, royalty-free licence to use those images on our website, social media pages, and marketing materials. We will always use initials rather than full names when attributing images, and we will never share photographs featuring children without the explicit consent of a parent or guardian.
If you wish to have a previously shared image removed, please contact us and we will remove it promptly.
8. Intellectual Property
All content on our website — including challenge prompts, activity lists, written content, design elements, and branding — is the property of FMD Holdings, LLC and is protected by copyright. You may not reproduce, distribute, or use any of our content for commercial purposes without our prior written permission.
Our challenge prompts and materials are provided for personal, non-commercial use only. They may not be shared, resold, or redistributed.
9. Limitation of Liability
To the fullest extent permitted by applicable law, FMD Holdings, LLC shall not be liable for any indirect, incidental, special, or consequential loss or damage arising from your participation in any of our challenges or your use of our website.
Our total liability to you in connection with any challenge shall not exceed the registration fee paid by you for that challenge.
Nothing in these terms limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.
10. Changes to Challenges
We reserve the right to make reasonable amendments to challenge rules, dates, or materials where necessary. We will always communicate any significant changes to registered participants by email as soon as possible.
In the unlikely event that a challenge is cancelled entirely, we will contact all registered participants and discuss options on a case-by-case basis.
11. Changes to These Terms
We may update these Terms and Conditions from time to time. When we do, we will update the "Last updated" date at the top of this page. Your continued participation in any challenge following any changes constitutes your acceptance of the updated terms.
We recommend reviewing these terms before registering for each new challenge.
12. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the United States applicable to FMD Holdings, LLC. However, as our challenges are operated for UK participants, we also endeavour to comply with applicable UK consumer protection law, including the Consumer Rights Act 2015 where relevant.
Nothing in these terms affects your statutory rights as a consumer under applicable UK law.
13. Contact Us
If you have any questions about these Terms and Conditions, please get in touch before registering:
📧 [email protected]
🌐 equestrian25challenges.co.uk/contactus
📘 facebook.com/Equestrian25Challenge
We aim to respond to all queries within 24 hours, Monday to Friday.