Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1229

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1A
Chunk 1229
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 them in making their
own investment decisions. Significant downturns in the securities markets or in general economic and political conditions domestically
or internationally may cause individuals to be reluctant to make their own investment decisions and thus decrease the demand for our
products and services. Significant upturns in the securities markets or in general economic and political conditions domestically or
internationally may cause individuals to be less proactive in seeking ways to improve the returns on their trading or investment decisions
and, thus, decrease the demand for our products and services.

11

We
may encounter risks relating to security or other system disruptions and failures that could reduce the attractiveness of our websites
and that could harm our business and results of operations.

Although
we have implemented various security mechanisms, our business is vulnerable to computer viruses, physical or electronic break-ins, and
similar disruptions, which could lead to interruptions, delays, or loss of data. For instance, because a portion of our revenue is based
on individuals using credit cards to purchase memberships over the Internet, our business could be adversely affected by credit card
fraud and other electronic break-ins or disruptions. Additionally, our operations depend on our ability to protect systems against damage
from fire, earthquakes, power loss, telecommunications failure, and other events beyond our control. Moreover, our website may experience
slower response times or other problems for a variety of reasons, including hardware and communication line capacity restraints, software
failures, or significant increases in traffic when there have been important business or financial news stories. These strains on our
systems could cause customer dissatisfaction and could discourage visitors from becoming paying subscribers. Our websites could experience
disruptions or interruptions in service due to the failure or delay in the transmission or receipt of information from us. These types
of occurrences could cause users to perceive our website and technology solutions as not functioning properly and cause them to use other
methods or services of our competitors. Any disruption resulting from these actions may harm our business and may be expensive to remedy,
may not be fully covered by our insurance, could damage our reputation, and discourage new and existing users from using our products
and services. Any disruptions could increase costs and make profitability even more difficult to achieve.

We
will need to introduce new products and services and enhance existing products and services to remain competitive.

Our
future success depends in part on our ability to develop and enhance our products. In addition, the adoption of new internet, networking
or telecommunications technologies or other technological changes could require us to incur substantial expenditures to enhance or adapt