Terms of use

1. Who we are

This website is operated by OST Consulting OÜ, Paepargi tn 39-11, 11417 Tallinn, Harju County, Estonia (registry code 12359479, VAT number EE102834705). By using the site you accept these terms.

2. Sponsored information, not advice

Culturecon at Home is a sponsored information site, marked on every page as “Advertisement · Sponsored content by OST Consulting OÜ”. Its articles are general information about personal finance in the United Kingdom. They are not personal financial, investment, pensions, legal or tax advice and do not take your circumstances into account. Before making a financial decision, consider free guidance from MoneyHelper or advice from a firm authorised by the Financial Conduct Authority.

Figures in articles are either official figures with their date or clearly labelled illustrations. They are not promises or forecasts of what you will receive, earn or pay.

3. No products, applications or fees

This site does not sell or arrange financial products, does not take applications for any benefit, account or product, and charges no fees. It is not a government website and is not affiliated with HMRC, the DWP, the Financial Conduct Authority or any bank, lender, insurer or pension provider.

4. Accuracy

We check articles against official sources and show the date each was checked. Rules, rates and thresholds change, and we cannot guarantee that every page is complete and up to date at every moment. Please check current figures with the official source linked in each article.

5. Newsletter

The Sunday Letter is free. Signing up requires confirmation by email, and you can unsubscribe at any time. Reading the website never requires signing up.

6. Copyright

Text, design and images on this site are protected by copyright. You may print or save pages for personal use. Any other reproduction requires our written permission. Photographs are illustrative; the people shown are not connected with the situations described.

7. Links to other websites

We link to official and other external websites for further information. We have no control over their content and are not responsible for it.

8. Liability

We are not liable for losses arising from decisions made on the basis of general information on this site, except where liability cannot be excluded by law, including liability for death or personal injury caused by negligence, or for fraud.

9. Governing law

These terms are governed by the law of the Republic of Estonia. If you are a consumer, this choice of law does not deprive you of the protection of mandatory provisions of the law of the country where you live, and you may also bring proceedings in the courts of that country.

10. Contact

Questions about these terms: info@cultureconathome.com, +372 5571 4693.