Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1231

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1A
Chunk 1231
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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 FTC routinely reviews websites to identify questionable advertising claims and practices. Competitors sometimes
inform the FTC when they believe other competitors are violating the FTC Act and consumers also notify the FTC of what they believe may
be wrongful advertising. The FTC may initiate a nonpublic investigation that focuses on our advertising claims, which usually involves
nonpublic, pre-lawsuit, extensive formal discovery. Such an investigation may be lengthy and expensive to defend and result in a publicly
disclosed consent decree or settlement agreement. If no settlement can be reached, the FTC may start an administrative proceeding or
a federal court lawsuit against us or our principal officers. The FTC often seeks to recover from the defendants, whether in a consent
decree or a proceeding, any or all of the following: (i) consumer redress in the form of monetary relief or disgorgement of profits;
(ii) significant reporting requirements for several years; and (iii) injunctive relief. In addition, most, if not all, states have statutes
prohibiting deceptive and unfair acts and practices. The requirements under these state statutes are similar to those of the FTC Act.

12

Our
business could be negatively affected if we are required to defend allegations that our direct selling activities are fraudulent or deceptive
schemes, or against public interest.

Our
iGenius products and services are marketed by a global network of independent distributors using a direct selling business model. Although
we believe that our direct selling business model is in material compliance with applicable legal standards, direct selling programs,
in general, have often been the target of regulatory scrutiny by federal, state, and local governmental agencies in the United States
and foreign countries, including the FTC. These laws and regulations are generally intended to prevent fraudulent or deceptive schemes,
often referred to as “pyramid” schemes,