Tonina.me | Personal Portfolio & Financial Architecture

Not Financial Advice

The content, calculators, tools, and simulations provided on Tonina.me are strictly for educational and informational purposes only. I am not a certified financial planner, registered investment advisor, or broker-dealer. Nothing on this website constitutes professional financial, legal, or tax advice. You are solely responsible for your own financial decisions.

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. Monetization and Advisory Offerings

Unless explicitly stated otherwise, the content on this site is free and educational. However, I reserve the right to offer paid 1:1 advisory sessions, premium templates, or sponsored content in the future. Any paid advisory sessions are for strategic consulting and generalized planning, not formal fiduciary wealth management.

4. 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.

5. 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.