Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1081

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1
Chunk 1081
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 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
may be impacted by macroeconomic conditions due to global pandemics, epidemics or outbreaks of disease and the resulting global supply
chain crisis.

Global
trade conditions and consumer trends that originated during the COVID-19 pandemic may continue to persist and may also have long-lasting
adverse impact on us and our industry. There are continued risks arising from new pandemics, epidemics or outbreaks of disease, which
have had and could further have an adverse effect on suppliers and customers and create significant volatility and uncertainty and economic
disruption. We believe the extent to which global pandemics ultimately impact our business, financial condition, results of operations
or cash flows will depend on numerous evolving factors that we may not be able