Terms of use
Last updated .
1. Who provides this website
caethe.com is provided by NIVO Consultancy OÜ, registry code 12094006, VAT EE101821269, Tartu mnt 16-20, 10117 Tallinn, Harju maakond, Estonia. By using the site you accept these terms.
2. Sponsored content
This is a sponsored information website, published and paid for by NIVO Consultancy OÜ and promoted through paid advertising. A disclosure naming the sponsor appears at the top of every page, and any article that is itself an advertisement is labelled as such above its headline.
3. General information, not advice
Everything on this site is general information. It is not financial, tax, investment, pension or legal advice and does not take anyone’s circumstances into account. In particular:
- No figure on this site is a quotation, promise, guarantee or entitlement for any reader. Worked examples are labelled as illustrations.
- Benefit amounts, thresholds and deadlines change, often every year or every quarter. Figures are correct as at the date shown on each article.
- We do not recommend financial products, providers or investments.
4. Dates and countdowns
Day counts are calculated automatically from the current date against dates published by the Government of Canada and the Canada Revenue Agency. They are a reading aid. They are not a reminder service, they do not take your personal situation into account, and an official date can be changed by the body that sets it. Always confirm a date that matters to you on canada.ca.
5. No government affiliation
Caethe is not a Government of Canada, Service Canada or Canada Revenue Agency website and is not affiliated with, authorised or endorsed by any government body. We do not accept, process or speed up applications for any benefit; there is no fee, registration or application on this website for any government payment, and nothing here can affect your entitlement.
6. We never ask for sensitive information
We do not request, and you must not send us, a Social Insurance Number, bank or card details, or My Service Canada Account or CRA credentials. The only personal information we ask for is an email address, if you choose to sign up for the newsletter.
7. Accuracy and availability
We take reasonable care to be accurate and to cite primary sources, but we do not warrant that content is complete, current or error-free, or that the site will always be available.
8. External links
We link to official and third-party sources so you can verify what we publish. We are not responsible for their content.
9. Intellectual property
Text, layout and design belong to NIVO Consultancy OÜ or its licensors. You may read, print and share pages for personal, non-commercial use. Republishing, scraping or commercial use needs our written permission.
10. Liability
To the extent the law allows, we are not liable for loss arising from reliance on information on this site, including any decision about a pension, benefit, tax matter or investment. Nothing in these terms limits liability that cannot lawfully be limited, and nothing affects your statutory rights as a consumer.
11. Newsletter
The Monday Calendar is free. Sign-up is confirmed by email and you can unsubscribe at any time. No content on this site is withheld from readers who do not subscribe. See the privacy notice.
12. Governing law
These terms are governed by the law of the Republic of Estonia. If you are a consumer living elsewhere, including in Canada, this does not take away the protection of the mandatory consumer law of your country or province of residence, or any right you have to bring proceedings there.
13. Contact
Questions about these terms: info@caethe.com. Full operator details are on the imprint.