Company: CDLX
Filing Date: 2025-04-03
Form Type: ARS
Source: 0001666071-25-000048
Chunk: 3

Company: Cardlytics, Inc.
Filing Date: 2025-04-03
Form: ARS
Chunk 3
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," "could," "estimate," "expect," "intend," "may," "might," "objective," "ongoing," "plan," "predict," "project," "potential," "should," "will," or "would," or the negative of these terms, or other comparable terminology intended to identify statements about the future. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to be materially different from the information expressed or implied by these forward-looking statements. The forward-looking statements and opinions contained in this Annual Report are based upon information available to us as of the date of this Annual Report and, while we believe such information forms a reasonable basis for such statements, such information may be limited or incomplete, and our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. Forward-looking statements include statements about: • our ability to continue to add new financial institution partners ("FI partners"), merchant data partners and marketers and maintain our relationships with existing FI partners, merchant data partners and marketers; • with respect to the Cardlytics platform, our ability to maintain or increase FI partner customer engagement from new and existing FI partners; • our ability to maintain or increase revenue from new and existing marketers in both new and existing industries; • the effects of increased competition as well as innovations by new and existing competitors in our market; • our ability to adapt to technological change and effectively enhance, innovate and scale our solutions; • our ability to effectively achieve or sustain growth and profitability; • potential acquisitions and integration of complementary businesses; • our ability to capture synergies with acquired companies; • our ability to maintain or strengthen awareness of our brand; • perceived or actual integrity, reliability, quality or compatibility problems with our products or solutions, including related to unscheduled downtime or outages; • future revenue, hiring plans, expenses, capital expenditures, capital requirements and stock performance; • our ability to attract and retain qualified employees and key personnel; • our ability to grow our business; • our ability to stay abreast of new or modified laws and regulations that currently apply or become applicable to our business both in the United States and internationally; • our ability to maintain, protect and enhance our intellectual property; • costs associated with defending intellectual property infringement and other claims; • the future trading prices of our common stock and the impact of securities analysts' reports on these prices; • the impact of macroeconomic developments on our business and