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WASHINGTON, D.C. 20549 (Mark One)☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period endedApril 30, 2025OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to . Commission File Number001-38553. (Exact Name of Registrant as Specified in its Charter)__________________________ 802 East 1050 SouthAmerican Fork,UT84003(Address of principal executive offices, including zip code) (801)899-1000 Name of each exchange on which registered Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and(2) has been subject to such filing requirements for the past 90 days.YesýNo¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files).YesýNo¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. ☐Accelerated filer☐Smaller reporting companyEmerging growth company Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes☐No☒ As ofJune 4, 2025, there were approximately3,263,659shares of the registrant's Class A common stock and36,971,409shares of theregistrant's Class B common stock outstanding TABLE OF CONTENTS SUMMARY RISK FACTORS Our business is subject to numerous risks and uncertainties, as described further in the section of this report captioned “Risk Factors,”which may cause us not to realize the full benefits of our strengths or may cause us to be unable to successfully execute all or part of ourstrategy. Some of the most significant challenges and risks include the following: •we have a history of losses, and we may not be able to generate sufficient revenue to achieve or maintain profitability in thefuture;•we have been growing and expect to continue to invest in our growth for the foreseeable future, and if we fail to manage thisgrowth effectively, our business and operating results will be adversely affected;•our ability to raise capital in the future may be limited, and if we fail to raise capital when needed in the future, we could beprevented from growing or could be forced to delay or eliminate product development efforts or other operations;•adverse events or perceptions affecting the financial services industry could adversely affect our operating results, financialcondition and prospects;•if we are unable to attract new customers in a manner that is cost-effective, our revenue growth could be slower than we expectand our business may be harmed;•if customers do not renew their contracts with us or reduce their use of our platform, our revenue will decline and our operatingresults and financial condition may be adversely affected;•if customers do not expand their use of our platform or adopt additional use cases, our growth prospects, operating results andfinancial condition may be adversely affected;•we face intense competition, and we may not be able to compete effectively, which could reduce demand for our platform andadversely affect our business, growth, revenue and market share;•if our or our customers’ access to data becomes limited, our business, results of operations and financial condition may beadversely affected;•if we fail to effectively align, develop and expand our sales and marketing capabilities with our new pricing structure and increasesales efficiency, our ability to increase our customer base and increase acceptance of our platform could be harmed;•we have experienced changes to our management and board, which creates uncertainties and could harm our business;•we are subject to governmental laws, regulation and other legal obligations, particularly those related to privacy, data protectionand cybersecurity, and any actual or perceived failure to comply with such obligations could impair our efforts to maintain andexpand our customer base, causing our growth to be limited and harming our business;•if our network, application, or computer systems are breached or unauthorized access