Important information about Dividario: education, not advice

Review history

Version 2.0, in force from 3 November 2026: rewritten for Dividario's tutoring, lessons and teaching on AI tools. Adds what tutoring is and isn't, and the limits of AI answers.

Version 1.0, in force from 23 October 2026: first published.

We review this page at least once a year and whenever our services change.

Is anything on this website advice?

No. Everything on this website is general information and education. It doesn't take account of your personal circumstances, objectives, finances or attitude to risk, and it isn't personal advice. Before you make a decision that matters, check the original sources and, where you need advice, take it from a suitably qualified professional.

Our lessons explain ways of working, such as how to size an emergency fund or how to check a firm. How they apply to you depends on facts we haven't seen.

What does Dividario do, and what doesn't it do?

Dividario is an investing education platform. It teaches through one-to-one tutoring, lessons in three tracks and lessons on using AI tools safely. It is not a regulated financial adviser. It doesn't hold or manage client money, tell anyone what to buy or sell, take commissions or referral fees, or promise returns.

• We don't hold your money: it stays in accounts you control.
• We don't pick investments: we teach you to judge them, and you make your own choices.
• We don't take commissions: nobody but our learners pays us.
• We don't give personal investment, tax or legal advice: where you need it, take it from a firm or professional authorised to give it.

Is tutoring advice?

No. In tutoring, a tutor explains how investments, costs, risks and checks work, using your questions and documents as examples, and checks your understanding. The tutor doesn't assess whether an investment suits you or tell you what to do. When we go through a firm or offer with you, we teach the checks; we don't vouch for the firm.

What are the risks of investing?

Investing always carries risk. The value of an investment can fall as well as rise, and you can get back less than you put in. That is true of every kind of investment, including products that look safe. No lesson or checklist, including ours, removes risk; it can only help you understand and limit it.

• Market risk: prices can fall, sometimes sharply and for a long time.
• Liquidity risk: you may not be able to get your money out when you need it, or only after a delay or at a loss.
• Counterparty and credit risk: a bank, fund, borrower or other firm that holds or owes your money may fail or not pay in full.
• Inflation risk: if your money earns less than prices rise, it buys less over time. Cash held for a long time faces this risk too.
• Concentration risk: putting a large share of your money with one firm, product or market makes a large loss more likely.
• Currency risk: if you hold money in another currency, changes in exchange rates can reduce its value in your own currency.

Deposit and investor compensation schemes, where they exist, have limits and conditions, may not cover every kind of account, and never protect you against an investment falling in value.

Are the examples on this website forecasts?

No. Worked examples, figures and scenarios on this website are illustrations that show how an idea works under stated assumptions. They are not forecasts, promises or a guide to what you will achieve. Real results depend on your circumstances, market conditions and costs, and they can be worse.

Past performance is not a reliable guide to future results.

Can you rely on AI tools for investment decisions?

No. AI assistants can explain, summarise and help you check, but they can be out of date, miss context and state wrong figures with confidence. They can't predict prices or know your situation. Treat every AI answer as a draft to verify in the original source, and never as advice or a reason to buy.

We don't name or endorse any AI product. Prompts in our lessons are teaching material, and you are responsible for what you enter into any AI tool. Our lesson on how to use AI for investing explains a safe routine.

How should you check a firm before money moves?

Before you send money to any firm, check it on the official register of the financial regulator in that firm's country. Go to the regulator's website yourself rather than following a link someone sends you, and check that the firm's name, address, website and permissions match what you've been told.

Our lesson explains the steps: how to check an investment firm or broker. For the warning signs of investment fraud, see fraud red flags.

How can you recognise someone misusing our name?

Fraudsters sometimes copy the name of a real firm. Dividario never contacts anyone out of the blue to offer investments, never asks you to send money to us or to any account for investment, and never asks for passwords, security codes or remote access to your computer. Anyone who does any of these in our name isn't us.

• We never contact you out of the blue to offer an investment or a trading tip.
• We never ask you to send money to us, or to any account, for investment. The only payments we take are tutoring fees agreed in writing.
• We never ask for passwords, one-time codes or other security details.
• We never ask you to install remote-access software or to share your screen.
• We never promise returns.