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costly, time-consuming, and distracting to management and key personnel, and could result in the impairment 
or  loss  of  portions  of  our  intellectual  property  rights.  Further,  our  efforts  to  enforce  our  intellectual  property 
rights  may  be  met  with  defenses,  counterclaims,  and  countersuits  attacking  the  validity  and  enforceability  of 
our  intellectual  property  rights  and  may  result  in  injunctive  relief  or  monetary  damages  against  us.  If  the 
protection of our intellectual property rights is inadequate to prevent use or misappropriation by third parties, 
the  value  of  our  brand  and  other  intangible  assets  may  be  diminished  and  competitors  may  be  able  to  more 
effectively  mimic  our  models,  platform,  and  applications  and  methods  of  operations.  In  addition,  due  to  the 
significant  amount  of  discovery  required  in  connection  with  intellectual  property  litigation,  our  confidential 
information  may  be  compromised  by  disclosure  during  litigation.  Any  of  these  events  would  have  an  adverse 
effect on our business, financial condition, and results of operations.

Our  future  success  and  competitive  position  depend  in  part  upon  our  ability  to  obtain  or  maintain  certain 
intellectual property rights used in our models, platform, and applications. While we have issued patents and 
have patent applications pending, we may be unable to obtain patent protection for the technology covered in 
our patent applications. In addition, we cannot ensure that any of the patent applications will be granted or that 
the  claims  allowed  on  any  issued  patents  will  be  sufficiently  broad  to  protect  our  technology  or  models, 
platform,  and  applications  and  provide  us  with  competitive  advantages.  Further,  any  issued  patents  may  be 
challenged, invalidated, or circumvented by third parties.

Many patent applications in the United States may not be public for a period of time after they are filed, and 
since  publication  of  discoveries  in  the  scientific  or  patent  literature  tends  to  lag  behind  actual  discoveries  by 
several  months,  we  cannot  be  certain  that  we  will  be  the  first  creator  of  inventions  covered  by  any  patent 
application  we  make  or  that  we  will  be  the  first  to  file  patent  applications  on  such  inventions.  Because  some 
patent applications may not be public for a period of time, there is also a risk that we could adopt a technology 
without knowledge of a pending patent application, which technology would infringe a third-party patent once 
that patent is issued.

We  also  rely  on  unpatented  proprietary  technology.  It  is  possible  that  others  will  independently  develop  the 
same  or  similar  technology  or  otherwise  obtain  access  to  our  unpatented  technology.  To  protect  our  trade 
secrets  and  other  proprietary  information,  our  policy  requires  employees,  consultants,  and  independent 
contractors to enter into confidentiality agreements. We cannot guarantee that these agreements will provide 
sufficient  protection  for  our  trade  secrets,  know-how,  or  other  proprietary  information  in  the  event  of  any 
unauthorized  use,  misappropriation,  or  disclosure  of  such  trade  secrets,  know-how,  or  other  proprietary 
information,  or  that  the  employee,  consultant  or  independent  contractor  will  not  breach  their  confidentiality 
agreements with us. If we are unable to maintain the proprietary nature of our technologies, our business could 
be adversely affected.

We  also  rely  on  our  trademarks,  trade  names,  and  brand  names  to  distinguish  our  models,  platform,  and 
applications  from  the  products  of  our  competitors  and  have  registered  or  applied  to  register  many  of  these 
trademarks  in  the  United  States  and  certain  countries  outside  the  United  States.  However,  occasionally  third 
parties have registered and acquired, and may in the future register or acquire, common law rights in identical 
or  similar  marks  for  products  or  solutions  that  also  address  similar  markets  to  our  own  and  have  tried  to 
enforce  such  rights.  As  we  rely  in  part  on  brand  names  and  trademark  protection  to  enforce  our  intellectual 
property  rights,  efforts  by  third  parties  to  limit  use  of  our  brand  names  or  trademarks  and  barriers  to  the 
registration  of  brand  names  and  trademarks  in  various  countries  may  restrict  our  ability  to  promote  and 
maintain a cohesive brand throughout our key markets. There can also be no assurance that pending or future 
U.S. or non-U.S. trademark applications will be approved in a timely manner or at all, or that such registrations 
will effectively protect our brand names and trademarks. Additionally, third parties have opposed, and may in 
the future oppose, our trademark applications or otherwise challenge our use of the trademarks. In the event 
that  our  trademarks  are  successfully  challenged,  we  could  be  forced  to  rebrand  our  models,  platform,  and 
applications,  which  would  result  in  loss  of  brand  recognition  and  would  require  us  to  devote  resources  to 
advertising and marketing new brands. Although we take measures to protect our property, if we are unable to 
prevent  the  theft  of  our  intellectual  property  or  its  exploitation,  the  value  of  our  investments  may  be 
undermined and our business, financial condition, and results of operations may be adversely affected.

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