Company: BLNE
Filing Date: 2025-04-15
Form Type: 10-K
Source: 0001641172-25-004793
Chunk: 16

Company: Beeline Holdings, Inc.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1
Chunk 16
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 New
Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia – that have comprehensive data privacy laws in
place or are about to be effective. At least seven additional states have enacted narrower privacy laws – Florida, Maine, Michigan,
Nevada, New York, Vermont, and Washington. Other states have introduced privacy bills that address a range of issues, including protecting
biometric identifiers and health data, or governing the activities of specific entities. This patchwork approach to privacy legislation
could pose compliance and liability risks for companies that have multistate operations. Proposed and enacted bills in various states
contemplate similar rights in preexisting privacy legislation but differ in implementation and enforcement. In addition, proposed federal
legislation could further expand the regulatory framework for data privacy, data security, and other matters that impact our business
at the federal level.

12

The costs of compliance with, and other burdens imposed
by the CCPA, and similar laws may limit the use and adoption of our products and services and/or require us to incur substantial compliance
costs, which could have an adverse impact on our business.

Beeline’s compliance team strives to comply
with all applicable laws and regulations relating to privacy, data security, and data protection and other activities in which Beeline
engages or is otherwise subject to in the operation of its business. However, its limited resources may adversely affect its compliance
efforts. There has been increased government regulation as governments including the federal government are continuing to focus on updating
laws and regulations to address the ever-evolving digital world, including through laws and regulations aimed at privacy and data security,
and it is possible that new laws will be passed, or existing laws will be amended in a way that is material and adverse to Beeline’s
business. As regulation increases, Beeline anticipates an increase in its compliance costs and a higher risk of regulatory fines or sanctions,
which may be material.

Beeline’s title agencies are also subject to
state laws that may require licensure and prohibit, limit, or require approval to engage in certain conduct. For example, several states
have implemented laws and regulations aimed at prohibiting kickbacks and other inducements associated with referrals to or from title
insurance agents or corporations. In some instances, these requirements are more extensive than RESPA.

Other Laws

Beeline is also subject to various other laws, including
employment laws related to hiring practices, overtime, and termination of team members, health and safety laws, environmental