Date Updated: October 17, 2022



HybridFi Inc. ("HybridFi") is the owner and operator of the platform located at (the "Site"). Joining this Site neither constitutes an indication of interest or reservation of securities in any offering nor involves any obligation or commitment of any kind.

Offers to sell, or the solicitations of offers to buy, any security can only be made through official offering documentation that contains important information about risks, fees and expenses. No money or other consideration is being solicited, and will not be accepted without such potential investor having been provided the applicable offering documentation and only then in accordance with the terms thereof.


No communication by HybridFi or any of its affiliates (collectively, the “HybridFi Group"), through this Site or any other medium (each, a "Communication"), should be construed, or is intended, to be a recommendation to purchase, sell or hold any security or otherwise to be investment, tax, financial, accounting, legal, regulatory or compliance advice. Nothing on this Site is intended as an offer to borrow or extend credit, an offer to purchase or sell securities or a solicitation of any securities transaction.

No person has been authorized to give any information or make any representation or warranty regarding any offering on this Site, either express or implied, and, if given or made on this Site, in other materials, or verbally, such information, representation, or warranty cannot, and should not, be relied upon, nor is any representation or warranty made as to the accuracy, content, suitability, or completeness of the information, analysis, or conclusions, or any information furnished in connection herewith contained in this presentation.

Articles or information from third-party media outside of this domain may discuss HybridFi or the HybridFi Group or relate to information contained herein, but HybridFi does not approve, and is not responsible for, such content. Hyperlinks to third-party sites, or reproduction of third-party articles, do not constitute an approval or endorsement by HybridFi of the linked or reproduced content.

The information presented on this Site regarding each offering merely constitutes a summary of such information and is qualified in its entirety by the disclosure contained in each issuer's offering documentation available on this Site. There can be no guarantee that any offering available on this Site will achieve its business objectives.

Performance and Benchmarking

Past performance is no guarantee of future results, and any expected returns or hypothetical projections may not reflect actual future performance. Furthermore, past returns may reflect the performance of assets for a finite time, or during a period of extreme market activity. All investments involve risk and may result in partial or total loss. 

Any financial projections or returns shown on this Site are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. The information contained on this Site has been prepared by HybridFi without reference to any particular user’s investment requirements or financial situation. In addition, other financial metrics and calculations shown on this Site (including, without limitation, amounts of principal and interest repaid) have not been independently verified or audited and may differ from the actual financial metrics and calculations for any investment, which are contained in an investor's portfolio. Any investment information contained herein has been obtained from sources that HybridFi believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability.

HyrbridFi return figures represent the aggregate time-weighted rate of return of all client accounts during the periods indicated, including interest. Commissions are not considered since clients of HybridFi are not charged trading commissions or any other transaction-based fees. This information is presented for informational purposes only.

Any comparisons to indices or exchange traded funds (“ETF“) are provided for illustrative purposes only. Indices and ETF are broadly diversified, unmanaged group of securities, which may include only large capitalization companies or companies of a certain size. Broadly based indices and ETFs are only shown as an indication of the general performance of the financial markets during the periods indicated. Because of the differences between the investments available on the site and any indices or ETFs shown, investors are cautioned that no index or ETF is directly comparable to the performance shown since each index or ETF has its own unique results and volatility, and such indices or ETFs, if shown, should not be relied upon as an accurate comparison.

HybridFi uses the Vanguard 500 Index Fund ETF (NASDAQ:VOO) as a comparison against the public stock market and the Vanguard Total Bond ETF (NASDAQ:BND) as a comparison against the broader public bond market.  Return figures for the time period specified are calculated using the total return for an initial $1,000 investment in each Fund, with reinvestment of dividends.  However, as noted above, these comparisons are for informational purposes only.

Risk Overview

Investing in securities listed on this Site (“Securities”) pose risks, including, without limitation, credit risk, interest rate risk, and the risk of losing some or all of the money you invest. Prior to investing you should: (1) conduct your own investigation and analysis; (2) carefully consider the investment and all related charges, expenses, uncertainties and risks, including, without limitation, all uncertainties and risks described in offering materials; and (3) consult with your own investment, tax, financial and legal advisors.

This Site provides preliminary and general information about the Securities and is intended for initial reference purposes only. It does not summarize or compile all the applicable information. This information contained herein is qualified by, and subject to, more detailed information in the applicable offering materials. HybridFi does not make any representation or warranty to any prospective investor regarding the legality of an investment in any Security.

Neither the Securities and Exchange Commission ("SEC") nor any federal or state securities commission or other regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by, or through, this Site.

HybridFi is not registered, licensed, or supervised as a broker dealer or investment adviser by the SEC, the Financial Industry Regulatory Authority, or any other financial regulatory authority or licensed to provide any financial advice or services. HybridFi is not registered as an investment company under the Investment Company Act of 1940, as amended. HybridFi Lending LLC dba PennyWorks NMLS #2184982.

506(c) Private Placements

The initial offering that HybridFi plans to offer access to is a private placement pursuant to Rule 506(c) of Regulation D of the Securities Act of 1933, as amended (the "Securities Act").

Accredited Investors - Rule 506(c) transactions are available only to accredited investors (as defined in Rule 501 of the Securities Act), so people who are not “accredited investors” cannot participate.

Offering Disclosure Requirements - There are no specific disclosure requirements pursuant to Rule 506(c) transactions, so the offering documentation for a 506(c) transaction may be more limited in scope than an offering circular for a public offering of securities.

No SEC Reporting - An issuer of securities pursuant to a 506(c) transaction does not have any initial or ongoing SEC reporting obligations (other than the filing of a Form D), so investors in a 506(c) transaction may not have access to financial and other important information.

Restricted Securities - All securities issued pursuant to any 506(c) offering are referred to as “restricted” securities because they cannot be resold or transferred unless the sale or transfer is registered with the SEC or otherwise exempt from registration. Securities acquired in a 506(c) transaction will bear a restrictive legend indicating that such securities cannot be sold or transferred absent registration or an applicable exemption.

Investments Not Insured; Not Guaranteed; May Lose Value - Private placement investments (i.) are not bank deposits and are not insured by the FDIC or by any other federal governmental agency or any other party, (ii.) are not guaranteed by HybridFi or any other party, (iii.) may lose value, and (iv.) may result in the loss of your entire investment.

Terms of Use

By using the Site, you accept our Terms of Use and Privacy Policy. You are urged to review the important information set forth in our Terms of Use, Privacy Policy and the important disclaimers and cautionary disclosures in our Full Disclosure Statement.

All product names, logos, and brands are property of their respective owners. Use of these names, logos, and brands is for identification purposes only, and does not imply endorsement or affiliation.

This Full Disclosure Statement is deemed to be incorporated in its entirety into any social media communication, advertisement, email or other Communication, irrespective of whether or not that any such Communication contains a link hereto. ‍