Products & Services Regulatory Compliance

Investview Inc. and its wholly owned subsidiary iGenius LLC (the “Company”), is classified as a publisher of financial news and information and therefore exempt from registration with the SEC. This is an exemption provided in the U.S. Securities Investment Advisers Act of 1940. We provide financial research and information to the public, but it is completely at the discretion of the individual as to whether they will use the information or not.

"a publisher of any bona fide newspaper, news column, newsletter, news magazine, or business or financial publication or service, whether communicated in hard copy form, or by electronic means, or otherwise, that does not consist of the rendering of advice on the basis of the specific investment situation of each client."

NOT PROVIDING ADVICE

The Company delivers trade strategy signals, alerts, research, analysis and convenience tools that are sent to subscribing members via email, mobile app, telegram, website membership and any and all other electronic means. There is no customization, review or consultation of the member’s personal financial objectives, situation or need. The member is free to act or not to act on the information provided. All information is provided uniformly to the member base without modification or consideration of any personal situation or need.

QUALIFYING AS A PUBLISHER

United States regulatory as defined by the Securities Exchange Commission and executed by FINRA uses the following criteria to determine eligibility for the exemption: 4. Publishers. Publishers are excluded from the Act, but only if a publication: (i) provides only impersonal advice (i.e., advice not tailored to the individual needs of a specific client); (ii) is “bona fide,” (containing disinterested commentary and analysis rather than promotional material disseminated by someone touting particular securities); and (iii) is of general and regular circulation (rather than issued from time to time in response to episodic market activity).

Reference Source:

https://www.sec.gov/

http://www.sec.gov/about/offices/oia/oia_investman/rplaze-042012.pdf http://www.sec.gov/investor/pubs/cyberfraud/newsletter.htm

The Company Is NOT An Investment Advisor, Broker, Dealer OR Fiduciary

We provide research, commentary and trade signals for world financial markets which may include but are not limited to: US equities, options, ETF (exchange traded funds), currencies including cryptocurrency and crowd funding.

To further clarify our position as a Publisher, please note the following:

• The Company does not take possession of any person’s investment capital

• The Company does not get paid by a financial institution for the research information provided

• None of the commentary, newsletters, alerts are an offer to purchase or recommend the purchase of securities

• The user of our products and services does so at their own discretion, they are free to act or not act on the information provided

• Users of our product may select any brokerage firm if they choose to act on the information provided. The only exception to this would be convenience “swipe” tools that may not be enabled by all brokerage firms.

• The Company does not know the individual financial situation, objectives or needs of the persons who use their services

• The Company does not modify the research information delivered to persons using their services, all information is delivered uniformly to subscribed members

Transparency Performance Of Services

Due to the variety of factors that affect trade performance, the company does not post trade performance and trade results. From time to time, we will review specific trade performance as entered in a live account showing entry/exit and associated profit or loss.

We have the following policies in place regarding the discussion of trade performance of our research and alerts: We monitor our research performance internally in live accounts as a general practice. There are times we provide research that has not been executed in one of our live accounts due to market timing. If we publish performance statistics for a particular period, we issue this information uniformly to our member base through the private member portal. It is not for public posting. Our members are prohibited from posting claims, performance statistics or any reference to profit that has not been specifically issued by the Company. We discourage members from sharing their personal trade histories however we maintain no jurisdiction in this regard and ultimately a user of our services may share their personal experience with whomever they want.

If we publish performance internally for our trade research, we always include our basic disclaimers:

• Past performance is not indicative of future results

• Individuals trade results will vary

• Commissions are not reflected in trade performance

• Trading involves risk including the risk of losing part, all or more of the initial monies invested

• Trade results will vary from account to account

• Both gains and losses will be experienced by users of the services and each member must define and act within their personal risk tolerance

Disclaimers

The Company works to ensure that members fully understand both performance and use disclaimers. We have a commitment to a “plain language” representation of our disclaimers where all training sessions, recordings, newsletter alerts, emails, website posts, and subscriptions include our detailed disclosure of risk and the use of our products solely at the member’s discretion. An example of a disclaimer from our presentations: Persons who choose to purchase a subscription and subscribe to our information research and trade services also accepts additional disclaimers and risk disclosure at the time of purchase.

Understanding Risk

It is extremely important that the user of our education and research information fully understand the risks. Whether it is a newsletter, alert or live trading room, the customer must fully comprehend and embrace the fact that they assume the full financial risk of actions they take. If they are unsure, unclear, have questions or concerns, they should seek answers and practice trade until they are extremely comfortable trading live.

Cryptocurrency

Guidelines & Regulation: The Company now provides members access to virtual currency or “crypto” education webinars, research and alerts. Guidance regarding the cryptocurrency / virtual currency environment is not yet fully determined. The market is emerging, and regulatory guidance is in the process of being developed, changed, and further refined.

The Company is committed to understanding the rapidly changing regulatory environment and desires to ensure all services are within regulatory guidelines. The Company will change, modify or eliminate a service if it is deemed to be outside regulatory guidance.

The following risks should be considered before purchasing, trading or holding virtual currencies:

• Unique Features of Virtual Currencies. Virtual currencies are not legal tender in the United States and many people question whether they have intrinsic value. The price of many virtual currencies is based on the agreement of the parties to a transaction. The risks associated with the unique features of virtual currencies should be explained and understood.

• Price Volatility. The price of a virtual currency is based on the perceived value of the virtual currency and subject to changes in sentiment, which make these products highly volatile. Certain virtual currencies have experienced daily price volatility of more than 20%. The risks associated with the extreme price volatility of virtual currencies and the possibility of rapid and substantial price movements, which could result in significant losses, should be explained.

• Valuation and Liquidity. Virtual currencies can be traded through privately negotiated transactions and through numerous virtual currency exchanges and intermediaries around the world. The lack of a centralized pricing source poses a variety of valuation challenges. In addition, the dispersed liquidity may pose challenges for market participants trying to exit a position, particularly during periods of stress. NFA generally expects the policies and procedures for valuing virtual currency products implemented by CPOs and CTAs to take into account their access to liquidity and the volatility of these markets. The valuation and liquidity risks and the procedures used for valuing virtual currencies and the related risks should be explained.

• Cybersecurity. The cybersecurity risks of virtual currencies and related “wallets” or spot exchanges include hacking vulnerabilities and a risk that publicly distributed ledgers may not be immutable. A cybersecurity event could result in a substantial, immediate and irreversible loss for market participants that trade virtual currencies. Even a minor cybersecurity event in a virtual currency is likely to result in downward price pressure on that product and potentially other virtual currencies. The cybersecurity risks associated with engaging in virtual currency transactions should be explained.

• Opaque Spot Market. Virtual currency balances are generally maintained as an address on the blockchain and are accessed through private keys, which may be held by a market participant or a custodian. Although virtual currency transactions are typically publicly available on a blockchain or distributed ledger, the public address does not identify the controller, owner or holder of the private key. Unlike bank and brokerage accounts, virtual currency exchanges and custodians that hold virtual currencies do not always identify the owner. The opaque underlying or spot market poses asset verification challenges for market participants, regulators and auditors and gives rise to an increased risk of manipulation and fraud, including the potential for Ponzi schemes, bucket shops and pump and dump schemes. The risks associated with the opaque nature of the underlying or spot virtual currency market should be explained.

• Virtual Currency Exchanges, Intermediaries and Custodians. Virtual currency exchanges, as well as other intermediaries, custodians and vendors used to facilitate virtual currency transactions, are relatively new and largely unregulated in both the United States and many foreign jurisdictions. Virtual currency exchanges generally purchase virtual currencies for their own account on the public ledger and allocate positions to customers through internal bookkeeping entries while maintaining exclusive control of the private keys. Under this structure, virtual currency exchanges collect large amounts of customer funds for the purpose of buying and holding virtual currencies on behalf of their customers. The opaque underlying spot market and lack of regulatory oversight creates a risk that a virtual currency exchange may not hold sufficient virtual currencies and funds to satisfy its obligations and that such deficiency may not be easily identified or discovered. In addition, many virtual currency exchanges have experienced significant outages, downtime and transaction processing delays and may have a higher level of operational risk than regulated futures or securities exchanges. If virtual currencies are traded or held through an exchange, intermediary or custodian, then the risks associated with engaging in these transactions should be explained. 

• Regulatory Landscape. Virtual currencies currently face an uncertain regulatory landscape in the United States and many foreign jurisdictions. In the United States, virtual currencies are not subject to federal regulatory oversight but may be regulated by one or more state regulatory bodies. In addition, many virtual currency derivatives are regulated by the CFTC, and the SEC has cautioned that many initial coin offerings are likely to fall within the definition of a security and subject to U.S. securities laws. One or more jurisdictions may, in the future, adopt laws, regulations or directives that affect virtual currency networks and their users. Such laws, regulations or directives may impact the price of virtual currencies and their acceptance by users, merchants and service providers. The risks associated with the current regulatory landscape for virtual currencies should be explained.

• Technology. The relatively new and rapidly evolving technology underlying virtual currencies introduces unique risks. For example, a unique private key is required to access, use or transfer a virtual currency on a blockchain or distributed ledger. The loss, theft or destruction of a private key may result in an irreversible loss. The ability to participate in forks could also have implications for investors. For example, a market participant holding a virtual currency position through a virtual currency exchange may be adversely impacted if the exchange does not allow its customers to participate in a fork that creates a new product. The risks posed by this nascent technology should be explained.

• Transaction Fees. Many virtual currencies allow market participants to offer miners (i.e., parties that process transactions and record them on a blockchain or distributed ledger) a fee. While not mandatory, a fee is generally necessary to ensure that a transaction is promptly recorded on a blockchain or distributed ledger. The amounts of these fees are subject to market forces and it is possible that the fees could increase substantially during a period of stress. In addition, virtual currency exchanges, wallet providers and other custodians may charge high fees relative to custodians in many other financial markets. The impact of these transaction fees on performance should be explained.