Exhibit 10.32


 





PRODUCT CONTRIBUTION AGREEMENT


 


This PRODUCT CONTRIBUTION AGREEMENT (“Agreement”)
is made effective as of October 31st, 2017 (the “Effective Date”), and is entered into by and between WestMÿn
Technology Services, Inc., a Delaware corporation (“WESTMŸN”) and Investview, Inc., a Nevada corporation (the
“Company”). WESTMŸN and the Company may individually be referred to as a “Party” or collectively as
the “Parties.”


 


RECITALS


 


WHEREAS, WESTMŸN desires to compile
and provide to the Company certain valuable contract rights to products and to provide a cloud mining agreement, in exchange for
issuance of stock in the Company and for the opportunity to earn-out additional Company stock based on the performance and benefits
conferred on the Company by WESTMŸN’s cloud mining agreement;


 


WHEREAS, the Company desires to receive
from WESTMŸN certain valuable contract rights and benefits, and is willing to exchange Company stock for WESTMŸN’s
contribution of a hardware and firmware mining lease and such rights, under the terms and conditions set forth in this Agreement.


 


NOW THEREFORE, for good and valuable consideration, the sufficiency
of which is hereby acknowledged, the Parties agree as follows:


 


		1.	WESTMŸN Mining Contract. WESTMŸN currently owns certain mining equipment for use in mining cryptocurrencies.
WESTMŸN will enter into a cloud mining lease agreement with the Company and allow the Company to lease its mining equipment
at a preferred rate.



 


		2.	Company Exchange for WESTMŸN Mining Contract.



 


		(a)	Exchange of Company Common Shares. The Company agrees that, in exchange for WESTMŸN entering into the cloud mining
lease, which includes the right for the Company to sub-lease mining equipment to the Company’s affiliates, the Company will
issue 40,000,000 (forty million) restricted common shares in the Company to WESTMŸN.



 


		(b)	Common Stock Earnout. WESTMŸN shall have earned and shall receive additional Company common stock (“WESTMŸN
Earnout”), which shall be issued by the Company to WESTMŸN, in the following amounts and upon achieving and satisfying
the following requirements:



 


 






    
	Product Contribution Agreement	Page 1 of 10



     


    

 


		i.	The following shall be used to determine WESTMŸN’s Earnout of additional Company common stock:



 


		1)	Number of Earnout Shares: shares earned are by number of shares and are not determined by stock price;



 


		2)	WESTMŸN Monthly Revenue: reference to WESTMŸN Monthly Revenue shall be the gross revenues per month generated
from and/or attributed to:



 


		A.	Revenue for the Company from subleasing WestMÿn’s mining equipment, under that product pricing table attached hereto
as Exhibit A.



 


		3)	Revenue Milestones: WESTMŸN’s Monthly Revenue Milestones shall be:



 


		A.	“1st Revenue Milestone” is USD $1,000,000 of WESTMŸN Monthly Revenue;



 


		B.	“2nd Revenue Milestone” is USD $2,500,000 of WESTMŸN Monthly Revenue;



 


		C.	“3rd Revenue Milestone” is USD $4,000,000 of WESTMŸN Monthly Revenue; and



 


		D.	“4th Revenue Milestone” is USD $5,500,000 of WESTMŸN Monthly Revenue.



 


		4)	Common Stock Award: WESTMŸN is eligible to earn the following separate and independent awards of Company common
stock:



 


		A.	“1st Common Stock Award” is 15 million shares of Company common stock;



 


		B.	“2nd Common Stock Award” is 20 million shares of Company common stock;



 






    
	Product Contribution Agreement	Page 2 of 10



     


    

 


		C.	“3rd Common Stock Award” is 25 million shares of Company common stock; and



 


		D.	“4th Common Stock Award” is 25 million shares of Company common stock.



 


		ii.	WESTMŸN shall receive the following earnouts, when achieved:



 


		1)	the 1st Common Stock Award, when the 1st Revenue Milestone has been exceeded for four (4) months, 50%
of the stock would be awarded, when the 1st revenue milestone is maintained for (7) months the balance of the stock
would be awarded;



 


		2)	the 2nd Common Stock Award, when the 2nd Revenue Milestone has been exceeded for four (4) months, 50%
of the stock would be awarded, when the 2nd revenue milestone is maintained for (7) months the balance of the stock
would be awarded;



		3)	the 3rd Common Stock Award, when the 3rd Revenue Milestone has been exceeded for four (4) months, 50%
of the stock would be awarded, when the 3rd revenue milestone is maintained for (7) months the balance of the stock
would be awarded;



		4)	the 4th Common Stock Award, when the 4th Revenue Milestone has been exceeded for four (4) months, 50%
of the stock would be awarded, when the 4th revenue milestone is maintained for (7) months the balance of the stock
would be awarded;



The Parties acknowledge and agree that WESTMŸN’s
Earnouts can be achieved through application of certain months to more than one Revenue Milestone. For example, if WESTMŸN’s
Monthly Revenue exceeded the 3rd Revenue Milestone ($4.0 million monthly revenue) for seven months following the Effective
Date of this Agreement, WESTMŸN would receive all of the 1st, 2nd, and 3rd Common Stock Awards
(60 million cumulatively awarded shares).


 


		3.	Warranties; Indemnities; Limitations.



 


		(a)	Warranty Against Infringement. WESTMŸN warrants that its cloud mining lease does not infringe any patent, trademark, or
other intellectual property.



 






    
	Product Contribution Agreement	Page 3 of 10



     


    

 


		(b)	Warranty of Authority. WESTMŸN warrants that it has the power and authority to enter into the cloud mining lease agreement
with the Company.



 


		(c)	Exclusion of Other Warranties. EXCEPT AS MAY OTHERWISE BE SET FORTH HEREIN, THE WARRANTIES IN THIS SECTION ARE IN LIEU OF ALL
OTHER WARRANTIES, EXPRESS OR IMPLIED.



 


		(d)	Representations.



 


		i.	WESTMŸN represents that it has authorization to enter into the cloud mining lease contemplated in this Agreement.



 


		ii.	WESTMŸN represents that the mining lease is unencumbered and WESTMŸN is unaware of any third-party claims to the
WESTMŸN mining equipment.



 


		iii.	The Company represents that it has, or will obtain approval for, sufficient shares of common stock available to meet the earn-out
obligations of this Agreement.



 


		(e)	Indemnification. The Parties shall indemnify and hold one another harmless and, at their own expense, defend the other Party
and its respective subsidiaries, affiliates, directors, officers, employees, representatives, partners, members, managers, agents,
attorneys, successors and assigns (“Indemnified Persons”) from and against any and all third-party claims, losses,
costs and expenses or liabilities (including direct, indirect, incidental, consequential, special, or punitive damages suffered
or alleged, as well as reasonable legal fees and expenses incurred), relating to or arising out of:



 


		i.	any failure by the other Party to comply with its obligations under this Agreement;



 


		ii.	breach of any of the Parties representations or warranties to one another; or



 


		iii.	any failure by a Party, for any reason to comply with all applicable laws, rules and regulations, including any applicable
regulatory organization or agency.



 


		(f)	Indemnification Notification. When any claim for indemnification arises under this Agreement, a Party shall promptly notify
the other Party of the claim, and when known, the facts constituting such claim, and the amount or an estimate of the amount of
the liability arising therefrom.



 






    
	Product Contribution Agreement	Page 4 of 10



     


    

 


		4.	Miscellaneous Provisions.



 


		(a)	Tax Compliance. The Parties agree to pay their respective taxes including applicable sales, use or excise taxes, VAT or similar
governmental charges.



 


		(b)	Public Disclosure. The Parties acknowledge that this Agreement will be made public as part of the Company’s disclosure
obligations.



 


		(c)	Assignment. Neither party may transfer or assign its rights or obligations under this Agreement without the prior written consent
of the other party, except that no consent is required for a transfer or assignment to: an affiliate; or made as part of a re-organization.



 


		(d)	No Third-Party Beneficiary. The Parties Agree that this Agreement does not create rights in third parties and there are no
intended third-party beneficiaries of this Agreement.



 


		(e)	Due Diligence. By executing this Agreement, each Party acknowledges they have each conducted, or have had an adequate opportunity
to conduct, their respective due diligence investigation into the terms of this Agreement and those representations made by the
other Party in support of such terms herein, as well as the business, financial, accounting, physical operations, and legal aspects
of the other Party.



 


		(f)	Expenses. Each Party shall be responsible for and shall bear their own fees and expenses relating to entering in to this Agreement,
including any due diligence investigation.



 


		(g)	Announcements. The Parties agree to coordinate any announcement of this Agreement, or disclosure of the terms herein.



 


		(h)	Choice of Law, Exclusive Jurisdiction and Venue. All matters arising from or related to this Agreement shall be governed by
the laws of the State of Utah without application of conflict of law principles. Any dispute that may arise out of or is related
to this Agreement shall be submitted to the Federal or state courts in or serving Nevada, and the Parties submit to the jurisdictions
of such courts. Any objection to Clark County, Nevada as the exclusive venue of any litigation is hereby irrevocably waived.



 






    
	Product Contribution Agreement	Page 5 of 10



     


    

 


		(i)	Severability. Any invalidity, in whole or in part, of any provision of this Agreement shall not affect the validity of any
of its other provisions. If any provision, or part thereof, is deemed by a court to be invalid or unenforceable, such court shall
be empowered to reform that provision as necessary to be valid and to reflect, as closely as possible, the intention of the parties
underlying the invalid provision; if the provision cannot be so reformed, then the invalid portion shall be stricken to the extent
necessary to preserve the validity of the other provisions hereof.



 


		(j)	Waiver. A waiver of a breach or default under this Agreement shall not be a waiver of any subsequent breach or default. Failure
of either party to enforce compliance with any term or condition of this Agreement shall not constitute a waiver of such term or
condition then or in the future.



 


		(k)	Notices. All notices required under this Agreement shall be deemed effective when received in writing by either (i) registered
mail or certified mail, return receipt requested and postage pre-paid, (ii) scanned electronic copy of a signed original exchanged
between the respective representatives of the Parties emailed to the address below with confirmation of receipt, or (iii) overnight
mail that produces written evidence of delivery addressed to either party at the address specified below:



 


If sent to WESTMŸN:


 


Attn: Matthew Grimmer


Grimmer & Associates, PC


3333 N. Digital Drive, Suite 460


Lehi, Utah 84043


mgrimmer@grimmerandassociates.com


 


If sent to the Company:


 


Attn: Annette Raynor, COO & Secretary


745 Hope Road


Eatontown, NJ 07724


annette@wealthgenerators.com


 






    
	Product Contribution Agreement	Page 6 of 10



     


    




 


Either party to this Agreement may change an address
relating to it by notice to the other party in accordance with the provisions of this paragraph.


 


		(l)	No Partnership or Joint Venture. This Agreement shall not operate so as to create or recognize a partnership or joint venture
of any kind between the parties hereto; nor will this Agreement create an implied fiduciary relationship or duty upon the Parties.



 


		(m)	Force Majeure and Other Events. Neither party will be responsible for any loss or damage to the extent caused directly or indirectly
by any act of God, war, civil disturbance, natural calamity, flood, act or omission of any exchange, market, utility, communications
service, common carrier, Internet or network access or backbone provider or information provider, electrical outage or disturbance,
brown-out or black-out, delay in mails, malicious third-party action or any other cause beyond such party’s reasonable control.



 


		(n)	Attorneys Fees. The Parties agree that if a dispute arises under this Agreement the prevailing party in such dispute is entitled
to its attorneys fees and costs in pursuing or defending any claim or dispute arising under or in connection with this Agreement.



 


		(o)	Termination upon Notice of Insolvency. A Party may suspend or terminate this Agreement immediately if a Party becomes insolvent
or unable generally to pay its debts as they become due, makes an assignment for the benefit of creditors or applies for or consents
to the appointment of a trustee, custodian, or receiver.



 


		(p)	Entire Agreement. This Agreement is the entire agreement between the parties hereto. All prior proposals, understandings, and
other agreements, whether oral or written, between the parties that relate to this subject matter are hereby superseded and revoked.



 






    
	Product Contribution Agreement	Page 7 of 10



     


    




 


		(q)	Amendment. This Agreement may not be modified or altered except in writing by an instrument duly executed by both parties.
The Parties expressly agree that they have had a full opportunity to conduct their own independent due diligence into the other
Party and its representations.



 


		(r)	Counterparts. This Agreement may be executed in multiple counterparts.



 


 


*** Signature Page Follows ***


 


 


 






    
	Product Contribution Agreement	Page 8 of 10



     


    

 




IN WITNESS WHEREOF, the duly authorized
officers or representatives of the Parties have executed this Agreement as of the date set forth below, intending legally to be
bound and for this Agreement to be effective as of the Effective Date.


 





	WESTMŸN TECHNOLOGY 

SERVICES, INC.	 	
        INVESTVIEW, INC. 

        a Nevada corporation

	 	 	 
	BY: 	/s/Travis Bott 	 	BY:	 /s/ Ryan Smith
	 	 	 
	Name: Travis Bott	 	Name: Ryan Smith
	 	 	 
	Title: Director	 	Title:CEO
	 	 	 
	Date: 11/13/2017	 	Date: 11/13/2017


  


 




    
	Product Contribution Agreement	Page 9 of 10



     


    

 


EXHIBIT A


CRYPOCURRENCY PRODUCT MINING PRICING
TERMS


 


 


	MLM	 	Mining
    

Type	 	Initial


    Fee	 	 	Fee
    

    between Crypto & INVU/WG	 	Package
    Price	 	 	#
    of

    Days	 	 	Hashing
    

Power	 	Fee
    to Crypto
 Company	 	 	INVU/WG
    Pmt	 	 	Mining
    

Location	 	Cost
    / 

    MH/s	 
	ETH,
    ETC, ZEC or XMR
	Package
    1	 	ALT	 	$	99	 	 	$44
                                         WM
 $55
                                         INVU
	 	$	499.99	 	 	 	1200	 	 	11-15
    MH/s	 	$	300	 	 	$	200	 	 	Iceland/China	 	$	26.50	 
	Package
    2	 	ALT	 	$	99	 	 	$44
                                         WM
 $55
                                         INVU
	 	$	999.99	 	 	 	1200	 	 	22-30
    MH/s	 	$	600	 	 	$	400	 	 	Iceland/China	 	$	26.00	 
	Package
    3	 	ALT	 	$	99	 	 	$44
                                         WM
 $55
                                         INVU
	 	$	2,499.99	 	 	 	1200	 	 	55-75
    MH/s	 	$	1,500	 	 	$	1,000	 	 	Iceland/China	 	$	25.50	 
	Package
    4	 	ALT	 	$	99	 	 	$44
                                         WM
 $55
                                         INVU
	 	$	4,999.99	 	 	 	1200	 	 	 120-150
    MH/s	 	$	3,000	 	 	$	2,000	 	 	Iceland/China	 	$	25.00	 



 




 


 






    
	Product Contribution Agreement	Page 10 of 10