Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1087

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1
Chunk 1087
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 reports,
and other fundamental data that we offer to clients. These service providers face technological and operational risks of their own. Any
significant failures by them, including improper use or disclosure of our confidential client, employee, or company information, could
cause us to incur losses and could harm our reputation.

We
cannot assure that any external service providers will be able to continue to provide these services in an efficient, cost-effective
manner or that they will be able to adequately expand their services to meet our needs. An interruption in or the cessation of service
by any external service provider as a result of systems failures, capacity constraints, financial constraints or problems, unanticipated
trading market closures, or for any other reason, and our inability to make alternative arrangements in a smooth and timely manner, if
at all, could have a material adverse effect on our business, results of operations, and financial condition.

We
could face liability and other costs relating to storage and use of personal information about our users.

Users
provide us with personal information, including tax identification numbers, which we do not share without the user’s consent. Despite
this policy of obtaining consent, however, if third persons were able to penetrate our network security or otherwise misappropriate our
users’ personal information, we could be subject to liability, including claims for unauthorized purchases with credit card information,
impersonation or other similar fraud claims, and misuses of personal information, such as for unauthorized marketing purposes. New privacy
legislation may further increase this type of liability. Furthermore, we could incur additional expenses if additional regulations regarding
the use of personal information were introduced or if federal or state agencies were to investigate our privacy practices. We do not
store user credit card information and rely upon our merchant processing partners to collect and store this information with the necessary
Payment Card Industry Security Standards compliance in place. However, a breach of the merchant’s security standards could create
liability for us.

Our
business could be negatively affected if we are required to defend allegations of unfair competition and unfair false or deceptive acts
or practices in or affecting commerce.

Advertising
and marketing of our products in the United States are also subject to regulation by the Federal Trade Commission (“FTC”)
under the Federal Trade Commission Act, or FTC Act. Among other things, the FTC Act prohibits unfair methods of competition and unfair
false or deceptive acts or practices in or affecting commerce. The FTC Act also makes it illegal to disseminate or cause to be disseminated
any false advertisement. The