Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1224

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1A
Chunk 1224
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 been unable to monetize on the assets we purchased from MPower. If we are unsuccessful
at creating or growing this line of business, we may not be able to achieve our planned rates of growth or improve our market share,
profitability or competitive position.

Substantially
all of our employees are employed by professional employer organizations.

We
contract with a professional employer organization, or PEO, that administers our human resources, payroll and employee benefits functions
for our employees in the United States. Although we recruit and select our workers, each of these workers is also an employee of record
of the PEO. As a result, these workers are compensated through the PEO, are governed by the work policies created jointly by us and the
PEO and receive their annual wage statements and other payroll or labor related reports from the PEO. This relationship permits management
to focus on operations and profitability rather than payroll administration, but this relationship also exposes us to some risks. Among
other risks, if the PEO fails to adequately withhold or pay employer taxes or to comply with other laws, such as the Fair Labor Standards
Act, the Family and Medical Leave Act, the Employee Retirement Income Security Act or state and federal anti-discrimination laws, each
of which is outside of our control, we would be liable for such violations, and indemnification provisions with the PEO, if applicable,
and Company insurance may not be sufficient to insulate us from those liabilities.

9

Court
and administrative proceedings related to matters of employment tax, labor law and other laws applicable to PEO arrangements could distract
management from our business and cause us to incur significant expense. If we were held liable for violations by the PEO, such amounts
may adversely affect our profitability and could negatively affect our business and results of operations.

Unfavorable
publicity associated with our now concluded SEC inquiry.

We
have experienced unfavorable publicity for several years that, to some extent, we attribute to the SEC inquiry that had been ongoing
since November 2021. The unfavorable publicity had a negative impact on our commercial banking and credit card processing relationships,
employees, business, products, and reputation, and negatively impacted our ability to attract, motivate, and retain banking relationships,
members and distributors, and our ability to generate revenue. In recognition that we settled the outstanding matter with the SEC, it
would be our expectation that the unfavorable publicity we experienced in the past will dissipate over time; however, there can be no
assurances to that effect.

We