The Thursday SheetTerms of use
1. Who provides this website
arfirst.org is provided by OÜ ET Consult, registry code 11545607, VAT EE101502902, Trummi tn 30j, 12617 Tallinn, Harju maakond, Estonia. By using the site you accept these terms.
2. Sponsored content
This is a sponsored information website, published and funded by OÜ ET Consult and promoted through paid advertising. A sponsor disclosure appears at the top of every page, and any sponsored feature article is additionally labelled beside its headline.
3. No advice
Everything on this site is general information. It is not financial, tax, investment, pension or legal advice and does not take account of anyone’s circumstances. In particular:
- no figure on this site is a quotation, estimate, promise, guarantee or entitlement for any reader;
- worked calculations are illustrative arithmetic on stated assumptions, not forecasts of what anyone will receive or pay;
- published amounts, thresholds and rules change, usually every year; figures are correct as at the date shown;
- we do not recommend financial products, providers or courses of action.
Before acting on anything you read here, check the official source and, where the amounts matter, take professional advice.
4. No government affiliation
AR First is not a Government of Canada, Service Canada or Canada Revenue Agency website, and is not affiliated with, authorised by or endorsed by any government department or agency. We do not accept, process, submit or expedite applications for any benefit. There is no fee, registration or application on this website in connection with any government payment, and nothing on this website can affect an entitlement.
5. We never ask for sensitive information
We do not request, and you must not send us, a Social Insurance Number, bank account or card details, or government account credentials. The only personal information requested anywhere on this site is an email address, if you choose to subscribe to The Thursday Sheet.
6. Accuracy and availability
We take reasonable care to be accurate and to cite primary sources, but give no warranty that content is complete, current or error-free, or that the site will always be available. We may change or withdraw any part of the site.
7. External links
We link to official and third-party sources so you can verify what we publish. We are not responsible for their content or availability, and a link is not an endorsement.
8. Intellectual property
The text, tables, layout and design of this site belong to OÜ ET Consult or its licensors. You may read, print and share pages for personal, non-commercial use. You may not republish, scrape or use the content commercially without written permission.
9. Liability
To the extent permitted by law, we are not liable for loss arising from use of or 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. If you are a consumer, your statutory rights are not affected.
10. Newsletter
The Thursday Sheet is free. Subscribing requires confirmation by email, and you can unsubscribe from any issue. How we handle your email address is set out in the privacy notice.
11. Changes
We may update these terms. The version in force is the one published here, with the date shown above.
12. Governing law
These terms are governed by the law of the Republic of Estonia. If you are a consumer resident elsewhere, including in Canada, this does not deprive you of the protection of the mandatory consumer law of your place of residence, or of any right to bring proceedings in your local courts.
13. Contact
info@arfirst.org, +372 508 4344, or the postal address on the imprint.