Clearly many investors in Lily (like me) have been mugged. Lily has made interest on our investment, and are waiting until most of us are fed up and asked for refunds, so that they can then sell more units at full retail price. Scam! They have failed to deliver as they promised and seem to be having cute financial and marketing teams but poor technical ability (on purpose). Avoid (do not invest), you have been warned.
Bottom Line: No, I would not recommend this to a friend