Terms of use

These terms apply to your use of the website bridgebasics.org, published by Raotsa OÜ, Kuldtiiva tn 11, 11913 Tallinn, Harju County, Estonia.

1. What this website is

Bridge Basics is an independent, sponsored information site. Its articles explain general rules on pensions, tax, the home and money safety in the United Kingdom. They are labelled as advertisement and sponsored content by Raotsa OÜ. The site is not provided by the government, HMRC, the Department for Work and Pensions, the Financial Conduct Authority or any other public body.

2. No advice, no applications

The content is general information and does not replace personal financial, tax or legal advice. Worked examples are illustrative and are not a calculation or promise of any amount for you. You cannot make an application, file a return, open an account or buy a product through this website, and we charge no fees. Binding information comes only from the responsible bodies and firms, such as HMRC, the Pension Service, your pension scheme, your bank or your travel company.

3. Accuracy and dates

We check our articles against official sources when we write them and show the date they were checked. Laws, rates and deadlines change, often each April. The current information from the responsible body always takes precedence.

4. Links to other websites

The operators of linked websites are responsible for their content. A link is not a recommendation of any commercial product or service.

5. Newsletter

The Monday Five is free and optional. Signing up requires confirmation by email, and you can unsubscribe at any time through the link in every issue. All content on the website is freely available whether or not you subscribe.

6. Copyright

Text, design and images are protected by copyright. Copying or using them beyond what the law permits requires our prior consent. You are welcome to link to individual articles.

7. Liability

We are liable in accordance with the law for intent and gross negligence and for death or personal injury caused by negligence. Otherwise, to the extent the law allows, we accept no liability for the accuracy, completeness or timeliness of the general information on this site. Nothing in these terms limits any mandatory consumer rights.

8. Governing law

These terms are governed by the law of Estonia. If you are a consumer, this choice of law does not deprive you of the protection of the mandatory provisions of the law of the country where you normally live, such as the United Kingdom.

9. Contact

Questions about these terms can be sent to info@bridgebasics.org or by telephone to +372 5826 3491.

Last updated: 2 November 2026