Disclaimer

Lonifi is a financial education platform, currently in development.

Lonifi is a financial education platform. Our goal is to help you understand basic financial concepts - what the stock market is, how shares, bonds, and ETFs work - in simple, accessible language, no matter your prior experience.

What Lonifi is NOT:

• We are not financial advisors, brokers, or investment consultants
• We do not offer personalized investment recommendations
• We do not tell you what to invest in, how much to invest, or when
• Fred and Tom are fictional characters, created to explain general concepts - not advice tailored to your personal financial situation

Any financial decision you make, including any investment, remains solely your own responsibility. Before making important financial decisions, we recommend consulting a licensed financial advisor, who can assess your personal situation, goals, and risk tolerance.

Content on Lonifi is for general educational purposes only - it does not take into account any individual user's financial situation.

Audio: Fred and Tom's voices are entirely generated by artificial intelligence (ElevenLabs). There are no human actors behind these voices.

Text: The dialogue scripts are the result of a collaboration between a human and AI tools - the concepts, pedagogical structure, and final review are done by a person, with AI assistance in the drafting and translation process.

We are committed to being transparent about this process, in line with European regulations on artificial intelligence.