Company: INVUP
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001641172-25-001193
Chunk: 1234

Company: Investview, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1A
Chunk 1234
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 compliance with applicable securities rules and regulations. Our completed and pending settlements, however, with
the OSC and AMF could expose us to similar claims from other securities regulators in the United States and in other foreign countries
in which we operate. Were such claims to be made, we could be exposed to having to defend our business model in protracted and costly
legal disputes, or else engage in similar settlements in which we agree to limit the geographic scope of our operations, either of which
alternatives could have an adverse effect on our liquidity and operations.

13

Our
independent distributors could fail to comply with applicable legal requirements or our distributor policies and procedures, which could
result in claims against us that could harm 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