Terms of Service & Disclaimer

1. Educational Purpose & Information Accuracy

Tonina.me is a personal portfolio and educational platform. While the financial data and corporate case studies (e.g., 10-K teardowns) are gathered from public filings and sources believed to be reliable, I make no guarantees regarding their absolute accuracy, completeness, or timeliness. Models and projections generated by tools like "The Scenario Planner" are hypothetical simplifications and do not reflect guaranteed future outcomes.

2. Use of Tools and Platforms

The interactive tools and spreadsheets provided on this site are provided "as is" and "as available," without any warranties, express or implied. Tonina.me and its creator assume no liability for any software bugs, data losses, or financial miscalculations resulting from the use of these tools.

3. Paid Products and Sessions

Tonina.me may sell templates, downloadable models and paid sessions. These are educational products. They are general and impersonal, and they are not tailored investment, tax or legal advice for your situation. Buying a product or booking a session does not create an advisory, fiduciary or client relationship.

Before booking a paid session, you will be asked to confirm: “I understand this session is an educational discussion about methods and models. It is not personalized investment, tax or legal advice.” Refunds are covered by the Refund Policy.

4. Affiliate Links and Sponsorships

Some pages may include affiliate links or sponsored content. When they do, a disclosure appears right next to the link, for example: “I may earn a commission if you buy through this link, at no extra cost to you.” Sponsors never review or approve the analysis before it is published.

5. Personal Views

Views are my own and do not represent my employer. Case studies use public information only and never rely on confidential information from any employer.

6. Intellectual Property

The original code, writing, and design elements of Tonina.me are my intellectual property. You may not scrape, clone, or commercially repackage the tools and essays found here without explicit written permission.

7. Limitation of Liability

To the maximum extent permitted by law, Tonina.me and its creator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including any loss of profits or revenues, incurred from your use of the website or its tools.

8. Contact

Questions about these terms? Email me at alfredo@tonina.me.

Last Updated: October 2026