Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1091

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1
Chunk 1091
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 our business.

Our
independent distributors are independent contractors and, accordingly, we are not able to directly provide the same oversight and direction
as we could if they were our employees. As a result, we have implemented compliance measures that are designed to train our distributors
and attempt to monitor our distributors’ use of marketing materials that are in compliance with FTC and other legal standards.
Despite our compliance initiatives we cannot always ensure that our independent distributors will comply with applicable laws or regulations,
our distributor policies and procedures, or that such marketing materials or other distributor practices comply with applicable laws,
rules, and regulations. It is possible that a court or governmental agency could hold us liable for the actions of our distributors,
which could materially harm our business, financial condition, and operating results.

Extensive
federal, state, local, and international laws regulate our business, products and direct selling activities. In addition, because we
have expanded into foreign countries, our policies and procedures for our independent distributors differ slightly in some countries
due to the different legal requirements of each country in which we do business.

Our
proprietary systems may be compromised by hackers.

Our
current products and other products and services that we may develop in the future will be based on proprietary software and customer-specific
data that we protect by routine measures such as password protection, confidentiality and nondisclosure agreements with employees, and
similar measures. Any unauthorized access to our software or data could materially disrupt our business and result in financial loss
and damage to our business and reputation.

Our
business could be negatively affected if any of the third-party providers of products or services offered through our membership packages
default on their obligation to our members.

Through
our iGenius membership program and our now discontinued Apex sale and leaseback program, our members gained access to a variety of benefits
provided through third party partnerships and affinity arrangements, including products and services provided by third party investment
professionals and access to a proprietary digital currency called “ndau” (which was discontinued during August 2023). We
cannot ensure that such third-party providers will comply with their contractual requirements to our members or with applicable laws,
rules, and regulations. Any significant failures by them could cause us to incur losses and could harm our reputation.

Our
business could be negatively affected by claims related to a financial product underwritten, administered and managed by a third-party
provider, Total Protection Plus.

Included
in the Apex sale and leaseback program that was discontinued in 2021, was a “guar