# CyberloQ > Secure, flexible tools for safeguarding your Digital Resources ### Posts #### CyberloQ Technologies, Inc. Announces Strategic Partnership With IngenID to Advance Next-Generation Biometric Multi-Factor Authentication SARASOTA, FL and ROCHESTER, NY - January 28, 2026 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ), a leading provider of advanced multi-factor authentication (MFA) and cybersecurity solutions focused on fraud prevention, today announced a strategic partnership with IngenID, a premier provider of SaaS-based voice biometric technologies. This collaboration integrates IngenID's cutting-edge voice biometrics and audio deepfake detection capabilities with CyberloQ's proprietary MFA platform, including its industry-leading location-based authentication protocols. The result is a significantly enhanced biometric MFA solution designed to deliver stronger, more seamless, and proactive protection against unauthorized access, fraudulent transactions, and emerging threats such as deepfakes. CyberloQ's CyberloQ Secure™ platform already offers institutional clients - including banks, fintech providers, and payment processors - a comprehensive, API-driven security framework that goes beyond traditional MFA by incorporating location-based constraints. By incorporating IngenID's highly accurate voice biometrics and audio deepfake engines, which support multiple languages and operate effectively in real-world environments (including mobile apps, IVR systems, and call centers), the partnership creates a robust, multi-layered authentication experience that combines: Something you are - advanced voice biometrics with deepfake detection  Something you have - registered devices and geofencing controls  Something you know - traditional one-time passcode challenges This powerful combination aims to dramatically reduce fraud risk while improving user convenience and maintaining high security standards for digital banking, payments, account access, and other sensitive digital assets. "Partnering with IngenID represents a major step forward in our mission to deliver vigilant identity defense," said Chris Jackson, CEO of CyberloQ Technologies. "IngenID's proven voice biometric expertise complements our MFA technology perfectly, enabling us to offer clients an even more resilient solution in an era of escalating cyber threats. Together, we're setting a new benchmark for biometric-enhanced authentication that is both secure and user-friendly." "IngenID is thrilled to collaborate with CyberloQ, a company renowned for its innovative approach to fraud prevention," said Peter Soufleris, CEO of IngenID. "Our voice biometric solutions are trusted globally for their accuracy and resilience. By integrating with CyberloQ's platform, we can provide enterprise-grade biometric MFA that addresses the full spectrum of modern authentication challenges." The partnership is expected to accelerate deployment opportunities across CyberloQ's growing network of institutional clients in banking, fintech, and payments, while opening new avenues for IngenID's technology in high-security environments. About CyberloQ Technologies, Inc. CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a cybersecurity technology company dedicated to combating fraud through advanced multi-factor authentication, geofencing, and adaptive risk analysis. Its flagship CyberloQ Secure™ platform delivers proactive, integrated protection for customer accounts, digital assets, and transactions. For more information, visit www.cyberloq.com. About IngenID Innovations IngenID is a leading provider of SaaS voice biometric solutions, delivering speaker verification, authentication, and deepfake detection technologies across 40+ languages in multiple countries. Building on decades of expertise in voice biometrics, IngenID empowers organizations to secure communications and access with reliable, inclusive, and highly accurate biometric authentication. For more information, visit www.ingenid.com. Media Contacts: CyberloQ Technologies, Inc.Email: info@cyberloq.comChris Jackson, President941.299.5221 IngenID Biometric InnovationsEmail: info@ingenid.com Safe Harbor Statement From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performance are not statements of historical fact and may be "forward-looking statements." "Forward-looking statements" are based upon expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those anticipated. The Company discourages any and all promotional activity by non-Company actors and encourages investors and potential investors to review the Company's public filings, its website and its press releases, and to discuss these matters with their personal legal and financial advisors. Non-Company newsletters/recommendations, websites or general stock symbols/classifications or other identifiers regarding our securities, whether positive or negative, should not be relied on because these items are simply opinions/policies of a third party. These third parties are, in many instances, paid by the publisher or other third parties and the Company believes that they profit from the publication of this literature and the results on the market. These materials should not be a substitute for investors' research and/or independent decision-making. #### CyberloQ Technologies, Inc. Appoints The Wrapped Brand Agency as Global Marketing Partner CyberloQ Technologies, Inc. Appoints “The Wrapped Brand Agency” as Global Marketing Partner Partnership Will Strengthen Brand Visibility and Support CyberloQ’s Growth Across Regulated Markets SARASOTA, FL. - August 5, 2025 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ), a cybersecurity company specializing in real-time fraud prevention and secure digital access for businesses, today announced it has appointed UK-based brand and digital marketing firm "The Wrapped Brand Agency" as its official global marketing partner. The partnership will focus on building CyberloQ’s brand presence globally and supporting its growth across regulated industries, as the company expands its commercial footprint across the US and Europe. Wrapped will lead strategic positioning, brand refinement, website development, tone of voice, content strategy, and campaign execution - all tailored to reach CyberloQ’s core audiences, including banks and fintechs. “We’ve built a powerful, secure product that helps companies of all kinds control access, protect data, and prevent fraud in real time - now we’re investing in telling our story properly,” said Chris Jackson, President of CyberloQ Technologies. “Partnering with Wrapped gives us access to a team that truly understands our industry, our goals, and the importance of trust in regulated markets. Their strategic thinking and marketing expertise will help us reach the clients who need us most.” The collaboration marks the first time CyberloQ has partnered with an external marketing agency - a move the company says will sharpen its global communications and boost sales, as demand for smarter security solutions like multi-factor authentication and geofencing continues to grow. “In a world where digital access and data protection are under increasing scrutiny, we’re proud to partner with CyberloQ - a business at the cutting edge of real-time, risk-based authentication,” said Mark Robinson, Chief Commercial Officer at Wrapped. “With our trusted track record in fintech, financial institutions and other regulated industries, we understand what it takes to help tech innovators scale safely and successfully. We’re excited to support CyberloQ’s next phase of global growth.” CyberloQ’s provisional patented platform uses biometrics, location tracking, and multi-factor authentication to stop fraud in its tracks, giving businesses real-time control over who can access their systems - and helping them stay compliant and secure. About CyberloQ Technologies, Inc. CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a US-based cybersecurity company providing adaptive, risk-based multi-factor authentication solutions to prevent unauthorized access and digital fraud. Headquartered in Sarasota, Florida, CyberloQ serves financial institutions, fintechs, employers, and other organizations operating in high-risk, regulated environments. For more information:Chris Jackson Phone: 941.299.5221Email: chris@cyberloq.com About The Wrapped Brand Agency Ltd The Wrapped Agency is a UK-based brand and digital marketing agency specializing in regulated sectors such as fintech and healthcare. From strategy and storytelling to design and delivery, Wrapped helps ambitious businesses define who they are, stand out, and grow. For more information:Becky MathesonPhone: 01904 727800Email: becky@wrappedagency.co.uk View the original release on www.newmediawire.com #### CyberloQ Technologies, Inc. Issues Shareholder Update on SOC 2 Compliance, New Patent Filing, 8K Filing With SEC SARASOTA, FL - April 29, 2025 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ) ("CyberloQ" or the "Company"), a leading provider of advanced multi-factor authentication (MFA) and cybersecurity solutions, is pleased to announce significant milestones in its operational and technological advancements, positioning the Company for revenue growth and market expansion. This update is accompanied by a detailed video presentation available on the Company’s website, providing further insights into ongoing projects and future plans. The Company recently filed an 8K with the SEC outlining the items in this press release. Achievement of SOC 2 Type 1 Compliance Certification CyberloQ has successfully achieved SOC 2 Type 1 compliance certification, a critical cybersecurity framework developed by the American Institute of Certified Public Accountants (AICPA). This certification validates the Company’s commitment to securely storing and processing client data, meeting stringent standards for security, availability, processing integrity, confidentiality, and privacy. “Achieving SOC 2 Type 1 compliance is a testament to our team’s dedication to operational excellence and positions us to integrate with banking and fintech ecosystems in the U.S. and Europe,” said Chris Jackson, CEO of CyberloQ. This milestone enables CyberloQ to pursue high-value integration projects with partners requiring robust compliance standards. Second Patent Filing and Provisional Status with USPTO The Company has filed its second patent with the United States Patent and Trademark Office (USPTO) and received provisional status. This patent builds on CyberloQ’s innovative MFA design, enhancing its proprietary Transaction Risk Assessment engine and geolocation-based MFA protocols. The filing strengthens CyberloQ’s intellectual property portfolio, further differentiating its CyberloQ Secure™ platform in the cybersecurity market. “This patent reinforces our leadership in proactive fraud prevention, ensuring our technology remains at the forefront of securing digital assets,” Jackson added. Revenue-Generating Integration Projects With SOC 2 Type 1 compliance achieved, CyberloQ is now positioned to initiate integration projects that will generate revenue. The Company has secured an initial contract to integrate its CyberloQ Secure™ platform with a strategic partner(s), including fintech and banking orchestration platforms. These project(s) leverage CyberloQ’s best-in-class API to seamlessly deliver an innovative, powerful MFA solution, enhancing security for digital transactions and sensitive data. VIDEO PRESENTATION: https://youtu.be/_EXO8MJIeb8 Looking Ahead “These milestones mark a pivotal moment for CyberloQ as we transition from development to revenue generation,” said Jackson. “With SOC 2 compliance, a strengthened patent portfolio, and active integration projects, we are well-positioned to capture market share in the rapidly growing cybersecurity sector.” The Company anticipates providing further updates on revenue performance and additional partnerships in the coming quarters. For more information or to request a demo of CyberloQ’s solutions, please visit  www.cyberloq.com or contact info@cyberloq.com Safe Harbor Statement From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Contact CyberloQ Technologies, Inc.Chris Jackson, CEO941.299.5221 Office | 612.961.4536 Directinfo@cyberloq.com SOURCE: CyberloQ Technologies, Inc. #### CyberloQ Technologies, Inc. Officially Up-Lists to the OTCQB Exchange and Provides a Detailed Shareholder Update SARASOTA, FL - (NewMediaWire) - May 10, 2023 - CyberloQ Technologies, Inc. ("CyberloQ" or the "Company") (CLOQ & is pleased to announce the following update on the Company's business and information objectives going forward. CyberloQ Technologies, Inc. has upgraded to the OTCQB market; this demonstrates the company’s ongoing commitment to adhere to U.S. State and Federal securities laws. Providing investors with current information helps reduce trading restrictions that may be faced on the Pink Market. In the complex "startup" context, we are fortunate to have a solid group of shareholders supporting to transform the CyberloQ product suite into a robust and extensible cybersecurity SaaS (Software as a Service) Platform.  As we near completion of this large-scale investment in our product, the Board of Directors recognized the corresponding opportunity, through this move to the OTCQB market, to make a similar investment in the Company's public-market presence.  This upgrade to the OTCQB will provide the Company with greater liquidity and access to capital for future growth and operating expenses. Specifically regarding the development of our cybersecurity SaaS Platform, the Company anticipates that the initial phase of integration with Pannovate's Banking Orchestration Platform to be completed toward the end of Q2, 2023. Award winning platform Pannovate is a Banking-as-a-Service and orchestration layer that enables banks, fintech and businesses to power growth and deliver seamless digital and embedded finance experiences to transform lives, working globally with innovators, digital banks and cutting-edge startups. The CyberloQ Secure™ Platform is the most robust and extensible geolocation-based Multi-Factored Authentication (MFA) technology available, and we are making tremendous progress to complete its integration into the Pannovate’s Banking Orchestration Platform. This combined functionality will create a distinct and unique cyber-security solution specifically for the banking and payment industry by equipping Pannovate's Platform with the most comprehensive security suite available for combating fraud for its clients. “We are excited to see all of the collaboration between our two companies coming to fruition in this integrated set of security capabilities…" said Chris Jackson, CEO of CyberloQ. “Further combining our collective strengths is key to our vision of exploring new technologies and partnerships in new and exciting industries that need CyberloQ.” Commenting on the future plans for Pannovate and CyberloQ, Pavle Ljujic, CEO, Pannovate said, “So many fintech solutions are just that – ‘solutions’ to identify or fix problems. This can be said of many security technologies out there, which detect fraud once it has already happened. CyberloQ’s unique ‘next gen’ authentication product actually prevents fraud in the first place, removing the problem, rather than simply finding it retrospectively. At Pannovate, we approach things in the same way – designing digital first, future flexible, infrastructure that enables businesses to achieve their full potential. I believe that, through this shared ethos, combined with the integration of our cutting-edge technologies, we have the potential to revolutionize the security space.”  Safe Harbor: From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performance are not statements of historical fact and may be "forward-looking statements." "Forward-looking statements" are based upon expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those anticipated. The Company discourages any and all promotional activity by non-Company actors, and encourages investors and potential investors to review the Company's public filings, its website and its press releases, and to discuss these matters with their personal legal and financial advisors. Non-Company newsletters/recommendations, websites or general stock symbols/classifications or other identifiers regarding our securities, whether positive or negative, should not be relied on because these items are simply opinions/policies of a third party. These third parties are, in many instances, paid by the publisher or other third parties and the Company believes that they profit from the publication of this literature and the results on the market. These materials should not be a substitute for investors' research and/or independent decision-making. Chris Jackson 612-961-4536 chris@turnscor.com #### CyberloQ Technologies, Inc. Provides Shareholder Update and Announces Launch of New Marketing Site SARASOTA, FLORIDA - May 14, 2025 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ) ("CyberloQ" or the "Company"), a leading provider of multifactor authentication (MFA) and geolocation-based cybersecurity solutions, is pleased to share a comprehensive shareholder update and announce the launch of its new marketing website, designed to enhance brand visibility and showcase its innovative security platforms. Please watch the accompanying VIDEO with this release. https://youtu.be/sdNzVd7Ig5Q Shareholder Update: Driving Innovation and Compliance CyberloQ continues to make significant strides in advancing its mission to secure digital assets through cutting-edge technology. Key highlights from the Company’s recent progress include: SOC 2 Compliance Progress: CyberloQ has completed its effort to achieve its Service Organization Control Type 1 (SOC 2) compliance, a critical cybersecurity framework ensuring secure and confidential data handling. “Our team has worked diligently to meet these rigorous standards, positioning us for seamless integrations with banking and financial ecosystems globally,” said Chris Jackson, CEO of CyberloQ. Enhanced CyberloQ Secure TM App: The Company has upgraded its flagship CyberloQ Secure TM platform, now featuring five authentication factors - geolocation, one-time pass code push notifications, voice recognition verification, facial recognition verification, and thumbprint fingerprint verification. This unique sequencing capability allows clients to customize security protocols based on asset sensitivity, setting CyberloQ apart in the cybersecurity market. Product Scalability: The Company has completed the back-end architecture of its cloud-based platform, ensuring demand-driven scalability and robust 365/24/7 support availability. CyberloQ is now focusing on front-end enhancements to optimize user experience, with a planned market expansion in 2025. CyberloQ’s commitment to innovation is underscored by its up-listing to the OTCQB market in May 2023, reflecting its dedication to transparency and adherence to U.S. securities laws. “Our shareholders’ support has been instrumental in transforming CyberloQ into a robust cybersecurity SaaS platform,” added Jackson. Launch of New Marketing Site In tandem with its operational milestones, CyberloQ is excited to unveil its newly redesigned marketing website, accessible at www.cyberloq.com. The site serves as a dynamic and intuitive platform highlighting the Company’s advanced security solutions, including CyberloQ Secure TM. Key features of the new site include: User-Friendly Interface: A sleek, intuitive design that simplifies navigation for clients, investors, and partners. Comprehensive Product Showcase: Detailed insights into CyberloQ’s MFA and geofencing technologies, demonstrating their applicability across industries. Investor Resources: A dedicated section for shareholders, providing access to financial updates, press releases, and SEC filings. Demo Request Capability: A streamlined process for potential clients to request demonstrations of CyberloQ’s security solutions. “The launch of our new marketing site marks a pivotal step in amplifying our brand presence and engaging with a broader audience,” said Chris Jackson, CEO of CyberloQ.. “We’re thrilled to show CyberloQ’s channel opportunities in showcasing its industry-leading solutions to businesses and consumers worldwide.” Looking Ahead CyberloQ remains focused on driving revenue growth through API-based expanded licensing agreements, subscription-based services, and API integrations. The Company anticipates further updates on its SOC 2 Type 2 certification and new partnerships in the coming months. Shareholders are encouraged to visit the new website and follow CyberloQ on social media platforms, including Facebook, Twitter, and LinkedIn, for real-time updates. About CyberloQ Technologies, Inc. CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a Sarasota, Florida-based cybersecurity company dedicated to protecting digital assets through its proprietary multifactor authentication and geofencing technologies. With solutions like CyberloQ Secure TM, the Company serves clients in finance, healthcare, government, education, and e-commerce, delivering real-time fraud prevention and data security. For more information, visit www.cyberloq.com. Contact: Chris Jackson, CEOCyberloQ Technologies, Inc.Phone: (612) 961-4536Email: info@cyberloq.com (mailto:info@cyberloq.com) Safe Harbor Statement: This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. CyberloQ claims the protection of the safe harbor for forward-looking statements as provided by the Private Securities Litigation Reform Act of 1995. #### Orenda Integrates CyberloQ™ Secure Technology to Deliver Industry-Leading Protection Against Card-Not-Present Fraud First Reseller Partnership Strengthens Orenda’s Commitment to Secure, Frictionless Digital Payments  SARASOTA, FL - November 25, 2025 (NEWMEDIAWIRE) - Orenda, a next-generation digital embedded-finance and payments platform, today announced a strategic integration agreement with CyberloQ™ Secure, their proprietary authentication and fraud-prevention solution developed by CyberloQ Technologies, Inc. (OTCQB: CLOQ). The integration will embed CyberloQ’s patented multi-factor, device-binding technology directly into Orenda’s payment ecosystem, providing bank-grade protection against the fastest-growing threat in financial services globally: card-not-present (CNP) fraud. Card-not-present fraud now accounts for more than 70% of all credit card fraud losses worldwide and exceeded $36 billion globally in 2024, according to industry estimates. CyberloQ Secure directly addresses this vulnerability by binding every transaction to an authorized user’s specific device and location, by continuously verifying identity throughout the session, eliminating reliance on static credentials that criminals routinely steal and reuse. “This integration marks a pivotal moment for Orenda and our customers,” said Joshua Vittori, CEO of Orenda. “By deploying CyberloQ Secure across our platform, we are raising the security bar for the entire digital finance sector while preserving the seamless user experience our clients expect. Fraud prevention is no longer optional; it’s table stakes, and we’re proud to lead with best-in-class technology.” “We are thrilled to see CyberloQ’s quest to eliminate CNP FRAUD come to life with Orenda as the flagship integration,” said Chris Jackson, President of CyberloQ Technologies. “Orenda’s forward-thinking approach to embedded finance aligns perfectly with our mission to make enterprise-grade fraud prevention accessible to every organization, regardless of size. This partnership proves that powerful security and elegant user experience can, and must, coexist.” Key benefits of the Orenda - CyberloQ Secure integration include: Real-time device binding and continuous session authentication  Dramatic reduction in card-not-present fraud exposure  Elimination of one-time passwords and knowledge-based authentication  Seamless customer experience with optional zero friction at checkout  Full compliance with PSD2 Strong Customer Authentication (SCA) and emerging U.S./EU regulatory requirements The CyberloQ Secure solution is going live with integration schedules beginning in early December across Orenda’s merchant and consumer payment offerings. About Orenda Orenda is a digital embedded finance platform that empowers businesses and financial institutions to deliver modern, secure, and personalized financial experiences. For more information, visit www.Orenda.finance About CyberloQ Technologies, Inc. CyberloQ Technologies, Inc. (OTC: CLOQ) is a cybersecurity company focused on delivering proprietary authentication and fraud-prevention solutions to banks, payment processors, and fintech providers worldwide. Its flagship CyberloQ Secure platform has been recognized with multiple industry awards for innovation in card-not-present fraud mitigation. www.cyberloq.com Safe Harbor Statement From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Media Contacts:OrendaJosh VittoriCEOjosh@orenda.finance CyberloQ Technologies, Inc.Chris JacksonPresidentchris@cyberloq.com941.299.5221 #### PayOnward Brings CyberloQ Secure™ Into Its Digital Payments Platform CyberloQ Secure™ Will Bring Transaction-level Security Across PayOnward’s Entire Ecosystem SARASOTA, FL. - October 21, 2025 (NEWMEDIAWIRE) - CyberloQ Technologies, Inc. (OTCQB: CLOQ), a cybersecurity company specializing in real-time fraud prevention through user authentication tools that ensure secure access to digital assets, today announced that it is integrating CyberloQ Secure™ into PayOnward’s full suite of modern digital payment solutions. PayOnward provides a next-generation cloud-native universal payments platform for credit unions and community-based financial institutions (CBFIs) and their consumers, and this integration will further protect its clients from a wide range of digital Business-to-Business and Business-to-Consumer security threats. Cyber fraud is one of the biggest challenges faced by organizations, including credit unions and CBFIs. Its impact is more than just fiscal - it can significantly disrupt business operations, destroy business reputations, and upend the lives of consumers. Community-based financial institutions may be particularly vulnerable because of their size and levels of experience. CyberloQ Secure™‘s Multi-Factor Authenticator provides added protection for financial institutions by ensuring that payments, transfers, and other financial transactions initiated in the institution’s systems are legitimate. CyberloQ Secure™ does this by authenticating the user’s identity on every transaction and restricting access to only those users who successfully verify their identity using a combination of the following challenge factors: LOCATION, unique one-time passcodes, and fingerprint, face, or voice biometrics. With CyberloQ Secure’s™ strong authentication protocols and location-based access constraints implemented, financial institutions can prevent bad actors - including, unfortunately, rogue employees - from initiating fraudulent activities, including but not limited to: Diverting funds to a personal or other fraudulent account. Using spoofed accounts receivable links that divert payers to malicious payment sites. Creating fake vendors and submitting fraudulent bill pay transactions or altering the payment instructions of legitimate vendors. Executing Consumer Account takeovers using compromised user credentials (e.g., acquired through successful phishing attacks). “PayOnward is excited to be working with CyberloQ Technologies to offer this extra layer of security to our clients,” said Cary Strange, CEO, PayOnward. “By integrating with CyberloQ Secure™, we will be able to address one of the most pressing concerns for credit union and CBFI clients.  By reducing fraud at the account and transaction level, our clients can be even more confident that their customers and their brand are protected from the costly consequences of cybercrime.” “Cybercriminals never sleep. And the risk they represent for financial institutions is significant and growing. CyberloQ Secure™ provides real-time, risk-based authentication around the clock for companies where trust and security are mission critical. We look forward to helping PayOnward’s clients remain protected and secure,” said Chris Jackson, President and CFO, CyberloQ Technologies. About CyberloQ Technologies, Inc. (www.cyberloq.com) CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a US-based cybersecurity company providing adaptive, risk-based multi-factor authentication solutions to prevent unauthorized access and digital fraud. Headquartered in Sarasota, Florida, CyberloQ serves financial institutions, FinTechs, employers, and other organizations operating in high-risk, regulated environments. About PayOnward (pay-onward.com) PayOnward is an AI-driven digital payment platform built for Credit Unions and Community-Based Financial Institutions. Our comprehensive, white-label suite including accounts receivable, bill pay, peer-to-peer transfers, account-to-account payments, and cross-border payments, helps CUs modernize services, keep deposits, and engage small businesses and members. Backed by Black Dragon Capital, PayOnward redefines community banking in the digital age. Visit PayOnward.com For more information: Chris Jackson, President and CFO, CyberloQ Technologies, IncPhone: +1 941.299.5221Email: chris@cyberloq.com Viviana Lauschus, Marketing Manager, PayOnwardvlauschus@blackdragoncap.com Safe Harbor Statement: This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected. CyberloQ claims the protection of the safe harbor for forward-looking statements as provided by the Private Securities Litigation Reform Act of 1995. #### Relevate AI Announces Strategic Integration of CyberloQ Technologies' Advanced Multi-Factor Authentication to Enhance Platform Security SARASOTA, FL and MINNEAPOLIS, MN - January 14, 2026 (NEWMEDIAWIRE) - Relevate AI, a leading AI-powered sales and marketing intelligence platform specializing in lead generation, customer prospecting, and data-driven growth solutions, today announced its integration of CyberloQ Technologies, Inc.'s (OTCQB: CLOQ) proprietary CyberloQ Secure® multi-factor authentication (MFA) technology. This partnership will deliver enhanced security features to Relevate AI's users, providing a more robust and fraud-resistant access point for its innovative prospecting and marketing tools. In an era where data breaches and unauthorized access pose significant risks to businesses handling sensitive customer insights and marketing data, Relevate AI is prioritizing user protection by embedding CyberloQ's cutting-edge MFA solution. CyberloQ's technology goes beyond traditional authentication methods, incorporating geolocation-based controls, adaptive risk assessment, and proactive fraud prevention to ensure only authorized users gain access to critical platform resources. "This integration marks a significant milestone in our commitment to delivering not only powerful AI-driven growth tools but also the highest standards of security," said Greg Engen, President of Relevate AI. "By partnering with CyberloQ Technologies, we're equipping our clients, spanning real estate, multi-location businesses, and beyond, with peace of mind, knowing their valuable data and campaigns are safeguarded against evolving cyber threats." For CyberloQ Technologies, this collaboration expands the application of its acclaimed CyberloQ Secure® Authenticator into the fast-growing AI and marketing technology sector. The company's MFA protocol, already trusted by institutional clients for combating fraudulent transactions, will now protect Relevate AI's ecosystem of users who rely on precise audience targeting, identity resolution, and automated lead generation. "Relevate AI's forward-thinking platform aligns perfectly with our mission to provide proactive, seamless cybersecurity solutions," said Chris Jackson, CEO of CyberloQ Technologies, Inc. "Integrating our technology into their system will help prevent unauthorized access at the source, allowing businesses to focus on growth without compromising security. We're excited to bring our expertise in fraud prevention to Relevate AI's innovative user base and demonstrate the versatility of CyberloQ Secure in modern digital environments." Key benefits of this integration include: Enhanced User Authentication: Adaptive MFA that verifies identity based on device, location, and behavior, reducing the risk of account takeovers. Proactive Fraud Prevention: Real-time risk assessment to block suspicious access attempts before they impact operations. Seamless User Experience: Easy-to-implement API integration that maintains Relevate AI's intuitive interface while adding enterprise-grade security. Compliance and Trust: Supporting businesses in meeting data protection standards and building greater confidence in AI-powered tools. The integrated solution is expected to roll out to Relevate AI users in the coming months, with early access available for select enterprise clients. About Relevate AI Relevate AI is a data-driven marketing technology company offering AI-powered prospecting tools, lead generation, and market intelligence solutions. Designed for industries requiring precise customer targeting, Relevate AI helps businesses accelerate growth through advanced identity resolution, digital behavior analysis, and automated campaigns. For more information, visit www.Relevate AI. About CyberloQ Technologies, Inc. CyberloQ Technologies, Inc. (OTCQB: CLOQ) is a cybersecurity company focused on fraud prevention and secure access solutions. Its flagship CyberloQ Secure® platform provides multi-factor authentication with geolocation and adaptive controls to institutional clients across various sectors. Headquartered in Sarasota, Florida, CyberloQ is dedicated to combating unauthorized access and fraudulent transactions. For more information, visit www.cyberloq.com. Safe Harbor: From time to time, the Company may issue news releases that contain "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections. This material may contain statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. For those statements, the Company claims the protection of the safe harbor for forward-looking statement provisions contained in the Private Securities Litigation Reform Act of 1995 and any amendments thereto. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions, or future events or performance are not statements of historical fact and may be "forward-looking statements." "Forward-looking statements" are based upon expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those anticipated. The Company discourages any and all promotional activity by non-Company actors and encourages investors and potential investors to review the Company's public filings, its website and its press releases, and to discuss these matters with their personal legal and financial advisors. Non-Company newsletters/recommendations, websites or general stock symbols/classifications or other identifiers regarding our securities, whether positive or negative, should not be relied on because these items are simply opinions/policies of a third party. These third parties are, in many instances, paid by the publisher or other third parties and the Company believes that they profit from the publication of this literature and the results on the market. These materials should not be a substitute for investors' research and/or independent decision-making. Media Contacts:Relevate AIGreg EngenEmail: press@Relevate.AIPhone: (612) 743-4750 CyberloQ Technologies, Inc.Chris Jackson, CEOEmail: chris@cyberloq.comPhone: (612) 961-4536 ### Pages #### EULA Policy END USER LICENSE AGREEMENT / TERMS OF USE This End User License Agreement ("Agreement") is a binding agreement between you ("End User" or "You") and Cyberloq Technologies, Inc. ("Company"). This Agreement governs your use of the Cyberloq® Application downloaded by You through a digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) to your mobile device, (including all related documentation, the "Application"). The Application is licensed, not sold, to you. By clicking the "agree" button and/or downloading, installing, and/or using the Application, you (A) acknowledge that you have read and understand this Agreement; (B) represent that you are 18 years of age or older; and (C) accept this Agreement and agree that you are legally bound by its terms. If you do not agree to these terms, do not download, install and/or use the application and delete it from your mobile device. License Grant. Subject to the terms of this Agreement, Company grants you a limited, non-exclusive, and nontransferable license to download, install, and use the Application for your personal, non-commercial use on a single mobile device owned or otherwise controlled by You ("Mobile Device") strictly in accordance with the Application's documentation. License Restrictions. You shall not (nor permit others to): (A) copy the Application, except as expressly permitted by this license; (B) modify, translate, adapt, or otherwise create derivative works or improvements, whether or not patentable, of the Application; (C) reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or gain access to the source code of the Application or any part thereof; (D) remove, delete, alter, or obscure any trademarks or any copyright, trademark, patent, or other intellectual property or proprietary rights notices from the Application, including any copy thereof; (E) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make available the Application, or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one device at any time; or (F) remove, disable, circumvent, or otherwise create or implement any workaround to any copy protection, rights management, or security features in or protecting the Application. Reservation of Rights. You acknowledge and agree that the Application is provided under license, and not sold, to you. You do not acquire any ownership interest in the Application under this Agreement, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions, and restrictions, under this Agreement. The Company and its licensors and service providers reserve and shall retain their entire right, title, and interest in and to the Application, including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement. Collection and Use of Your Information. You acknowledge that when you download, install, or use the Application, Company may use automatic means (including, for example, cookies and web beacons) to collect information about your Mobile Device and about your use of the Application. You also may be required to provide certain information about yourself as a condition to downloading, installing, or using the Application or certain of its features or functionality. All information we collect through or in connection with this Application is subject to our Privacy Policy [INSERT AS LINK TO MOBILE APP PRIVACY POLICY]. By downloading, installing, using, and providing information to or through this Application, You consent to all actions taken by us with respect to your information in compliance with the Privacy Policy. Content and Services. The Application may provide you with access to Company's website located at www.cyberloq.com (the "Website") and products and services accessible thereon, and certain features, functionality, and content accessible on or through the Application may be hosted on the Website (collectively, "Content and Services"). Your access to and use of such Content and Services are governed by Website's Terms of Use and Privacy Policy located at [TERMS OF USE LINK] and [PRIVACY POLICY LINK], which are incorporated herein by this reference. Your access to and use of such Content and Services may require you to acknowledge your acceptance of such Terms of Use and Privacy Policy and/or to register with the Website, and your failure to do so may restrict you from accessing or using certain of the Application's features and functionality. Any violation of such Terms of Use will also be deemed a violation of this Agreement. Updates. Company may from time to time in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that Company has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your Mobile Device settings, when your Mobile Device is connected to the internet either the Application will automatically download and install all available Updates or you may receive notice of or be prompted to download and install available Updates. You shall promptly download and install all Updates and acknowledge and agree that the Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Application and be subject to all terms and conditions of this Agreement. Maintenance and Support.  The Company does not provide any maintenance or support for the download and use of the Application. To the extent that any maintenance or support is required by applicable law, the Company shall be obligated to furnish any such maintenance or support. Third-Party Materials. The Application may display, include, or make available third-party content (including data, information, applications, and other products, services, and/or materials) or provide links to third-party websites or services, including through third-party advertising ("Third-Party Materials"). You acknowledge and agree that Company is not responsible for Third-Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. Company does not assume and will not have any liability or responsibility to you or any other person or entity for any Third-Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties' terms and conditions. Third-Party Rights.  This Application is provided in accordance with the latest versions of the Apple’s App Store Review Guidelines and the Apple Developer Program License Agreement.  By using this Application, you agree to comply with Apple’s App Store Review Guidelines and the Apple Developer Program License Agreement. These agreements can be found at https://developer.apple.com/app-store/review/guidelines/ and https://developer.apple.com/support/terms/apple-developer-program-license-agreement/ .  The Company is not responsible for any claims, losses, or liabilities arising from the use of this Application on Apple devices, including but not limited to compliance with Apple’s App Store Review Guidelines and the Apple Developer Program License Agreement. This Application is provided in accordance with the most recent version of the Google Play Developer Distribution Agreement.  By using this Application, you agree to comply with the Google Play Developer Distribution Agreement. This agreement can be found at https://play.google/intl/en_us/developer-distribution-agreement.html.  The Company is not responsible for any claims, losses, or liabilities arising from the use of this application on Android devices, including but not limited to compliance with the Google Play Developer Distribution Agreement. This Agreement is between you and the Company only, not with Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) (the “App Stores”) and the App Stores have no obligation whatsoever to furnish any maintenance and support services with respect to the Application. In the event of any failure of the Application to conform to any applicable warranty, you may notify the App Stores and seek a refund of the applicable purchase price for the App to you; and the App Stores shall have no other warranty obligation whatsoever with respect to the Application. The App Stores are not responsible for addressing any claims by you or any third party relating to the Application including: (1) product liability claims; (2) any claim that the Application fails to conform to any applicable legal or regulatory requirement; (3) claims arising under consumer protection or similar legislation; and (4) claims with respect to intellectual property infringement. The App Stores are not responsible for the investigation, defense, settlement, and discharge of any third-party claim that the Application infringes on any third party's intellectual property rights. You agree to comply with any applicable third-party terms, when using the Application. The App Stores are third-party beneficiaries of this Agreement, and upon your acceptance of this Agreement, the App Stores will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary of this Agreement. Term and Termination. The term of this Agreement commences when you acknowledge your acceptance and will continue in effect until terminated by you or Company in accordance with this section 9.  The Company may, in its sole discretion, at any time for any or no reason, suspend or terminate this Agreement with or without prior notice. You may terminate this Agreement by deleting the Application and all copies thereof from your Mobile Device. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement. Upon termination all rights granted to you under this Agreement will also terminate and you must cease all use of the Application and delete all copies of the Application from your Mobile Device and account. Termination will not limit any of Company's rights or remedies at law or in equity. Disclaimer of Warranties. The Application is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Application, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Application will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.             Without limiting the foregoing, the Company does not make any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Application, or the information, content, and materials or products included thereon; (ii) that the Application will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Application; or (iv) that the Application, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law. Limitation of Liability. Notwithstanding any damages that You might incur, the entire liability of the Company under any provision of this Agreement and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You for the Application or through the Application or 100 USD if You haven't purchased anything through the Application. To the maximum extent permitted by applicable law, in no event shall the Company be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Application, third-party software and/or third-party hardware used with the Application, or otherwise in connection with any provision of this Agreement), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose. Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to You. You expressly understand and agree that the Application Store, its subsidiaries and affiliates, and its licensors shall not be liable to You under any theory of liability for any direct, indirect, incidental, special consequential or exemplary damages that may be incurred by You, including any loss of data, whether or not the Application Store or its representatives have been advised of or should have been aware of the possibility of any such losses arising Indemnification. You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys' fees, arising from or relating to your use or misuse of the Application, your breach of this Agreement (including but not limited to the content you submit or make available through this Application), violation of any law or regulation or violation of any right of a third party. Export Regulation. The Application may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export, or release the Application to, or make the Application accessible from, any jurisdiction or country to which export, re-export, or release is prohibited by law, rule, or regulation. You shall comply with all applicable federal laws, regulations, and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing, or otherwise making the Application available outside the US.  You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties. US Government Rights. The Application is commercial computer software, as such term is defined in 48 C.F.R. §2.101. Accordingly, if you are an agency of the US Government or any contractor therefor, you receive only those rights with respect to the Application as are granted to all other end users under license, in accordance with (a) 48 C.F.R. §227.7201 through 48 C.F.R. §227.7204, with respect to the Department of Defense and their contractors, or (b) 48 C.F.R. §12.212, with respect to all other US Government licensees and their contractors. Governing Law. This Agreement is governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of or related to this Agreement or the Application shall be instituted exclusively in the federal courts of the United States or the courts of the State of Florida. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts. Limitation of Time to File Claims. Any cause of action or claim you may have arising out of or relating to this Agreement or the Application must be commenced within one (1) year after the cause of action accrues otherwise such cause of action or claim is permanently barred. Entire Agreement. This Agreement and our Privacy Policy constitute the entire agreement between you and Company with respect to the Application and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Application. Changes to this Agreement.  The Company reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at the sole discretion of the Company.  By continuing to access or use the Application after any revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, You are no longer authorized to use the Application. Severability. If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect. Waiver. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern. #### Financial Services & Fintech Financial Services & Fintech Can you stop unauthorized access? ATO, or Account Takeover fraud is rapidly becoming the most common entry point for Ransomwareattacks and direct transaction fraud in the Financial Services & Fintech industry. ATO involves attackerswith stolen login credentials spoofing your organizations valid email and system accounts to manipulatehijack and hold your data hostage for ransom, and to steal funds directly from customer accounts.These attacks can disrupt operations, harm patient safety, and result in substantial financial losses. Request a demo Contact us Your risk The threats Financial Services faces. Equifax reports that Account Takeover (ATO) fraud resulted in $15.6 billion in consumer losses in 2024 – a 26% increase over 2023.And ATO-related chargeback losses are 76% higher than typical chargebacks, leading to increased losses and significant customer churn.CyberloQ Secure® is zero-trust identity verification that helps you stop ATO fraud. OUR Solution How CyberloQ Secure® works to verify identity. Strong Customer Authentication (SCA) utilizes a combination of challenge factors that rely on what is unique to each individual authorized to access your systems and data:Possession: Something your user has, such as their mobile device.Knowledge: Something your user knows, such as the passcode on their mobile device.Inherence: Something your user is, such as their fingerprint, face or voice biometrics.Whether it’s a Bank IT employee remotely accessing your network, a Loan Officer updating a customer’s Loan Application, a customer accessing your Portal to transfer funds, or any other type of activity involving sensitive operational system and patient data, CyberloQ Secure® enforces SCA to verify the identity of your trusted associates and customers every time they initiate a digital interaction with your organization, without compromising their user experience Face & Fingerprint Validation Our Face or Fingerprint challenges utilize something you alone are.  We challenge the user to verify their identify by responding to their device’s biometric request. This allows us to block unauthorized access to your protected resources, even if the device is stolen. ‎ Voice Validation Our Voice Verification solution utilizes something you alone are. We send a unique Voice Passcode and challenge the user to verify their identity by speaking that code into their mobile device. Again, this blocks unauthorized access to your protected resources, even if the device is stolen. ‎ Location Validation 
& Constraint Our innovative Location Verification utilizes something you have. We determine the User’s real-time location and compares it to any geographic areas established as permissible – or not – for that user.  Access is allowed only from the User’s in possession of their registered device and within authorized locations. One-Time 
Passcode Validation Our OTP Verification utilizes something you know. We send a unique OTP and challenge the user to verify their identify by typing that code into their mobile device. Like a face or fingerprint, OTPs are a familiar and effective method of blocking for unauthorized access to your protected resources. CyberloQ Secure® is your digital deadbolt. Request a demo Contact us THE BUSINESS CASE How CyberloQ Secure® protects against Identity Fraud-based cyberthreats Implemented through a straightforward and seamless API integration with your organization’s Identity Management System, the CyberloQ Secure® MFA sits between your users and your digital resources, continuously verifying the user’s identity with each attempt to access a protected digital resource.Following are just a few of the operational use cases for CyberloQ Secure® that your HCO organization might elect to implement. Protecting against unauthorized access to your business systems & data THREAT: A cybercriminal attempts to impersonate one of your legitimate users – e.g., a Loan Officer, an HR staff member, an IT Admin, etc. – by using stolen access credentials  to log into your backend business intranet to shutdown your business operations, to steal your data, or to hijack your data – think ransomware.RESPONSE: The criminal’s login attempt triggers the push of a CyberloQ Secure® MFA challenge to the legitimate User’s registered device. Aware that they did not initiate the login attempt, the legitimate User simply intentionally fails the MFA challenge, thereby denying access to the criminal.OUTCOME: The benefits from utilizing the CyberloQ Secure® MFA in this manner are threefold: The legitimate User is immediately made aware that their login credentials have been compromised, they have successfully blocked an unauthorized access to your financial services organization’s systems and data and, finally, they have directly prevented the cybercriminal’s intended financial and reputational damage to your business.NOTE: the same Threat-Response-Outcome scenarios apply to specific other sensitive systems, workflows, and data deeper within your organizations backend intranet. Following are a few examples: Customers attempting to complete Credit Card transaction could configure their MFA to “lightly” challenge them (e.g., with only a Biometric test) at every Point-of-Sale  transaction, but more robustly challenge then at every Card Not Present transaction (e.g., with both a Biometric test and a Geolocation test) before the system would complete approve the transaction. Users authorized to distribute create and maintain ACH Payment Details or Release Wire Transfer Funds could be additionally challenged before the system would complete the action Users authorized to manage overall security permissions of various subsystems (e.g., Payroll, Accounts Payable, etc.) could be additionally challenged before the system would complete the edit to such permissions. #### Healthcare Healthcare Can you stop unauthorized access? Ransomware – the most significant threat facing Healthcare Organizations (HCOs) – starts withsystems and data breaches that are often based on the stolen login credentials of valid system users.These attacks can disrupt operations, harm patient safety, and result in substantial financial losses. Request a demo Contact us Your risk The threats healthcare faces. IBM reports that In 2023, the average cost of HCO data breaches reached $10.93 million, nearly double the cross-industry average.In 2024 alone, HCO data breaches effected approximately 190 million patients.And Infosecurity Magazine reports that user account compromise impacted 74% of HCOs running cloud-based systems, and 44% of on-premises environments.CyberloQ Secure® is zero-trust identity verification that helps protect you against fraud resulting from compromised account credentials. OUR Solution How CyberloQ Secure protects healthcare. Strong Customer Authentication (SCA) utilizes a combination of challenge factors that rely on what is unique to each individual authorized to access your systems and data:Possession: Something your user has, such as their mobile device.Knowledge: Something your user knows, such as the passcode on their mobile device.Inherence: Something your user is, such as their fingerprint, face or voice biometrics.Whether it’s an IT employee remotely accessing your network, a Provider updating a patent chart, a patient accessing your Portal, or any other type of activity involving sensitive operational system and patient data, CyberloQ Secure® enforces SCA to verify the identity of your trusted associates and customers every time they initiate a digital interaction with your organization, without compromising their user experience. Face & Fingerprint Validation Our Face or Fingerprint challenges utilize something you alone are.  We challenge the user to verify their identify by responding to their device’s biometric request. This allows us to block unauthorized access to your protected resources, even if the device is stolen. ‎ Voice Validation Our Voice Verification solution utilizes something you alone are. We send a unique Voice Passcode and challenge the user to verify their identity by speaking that code into their mobile device. Again, this blocks unauthorized access to your protected resources, even if the device is stolen. ‎ Location Validation 
& Constraint Our innovative Location Verification utilizes something you have. We determine the User’s real-time location and compares it to any geographic areas established as permissible – or not – for that user.  Access is allowed only from the User’s in possession of their registered device and within authorized locations. One-Time 
Passcode Validation Our OTP Verification utilizes something you know. We send a unique OTP and challenge the user to verify their identify by typing that code into their mobile device. Like a face or fingerprint, OTPs are a familiar and effective method of blocking for unauthorized access to your protected resources. CyberloQ Secure® is your digital deadbolt. Request a demo Contact us THE BUSINESS CASE How CyberloQ Secure® protects against Identity Fraud-based cyberthreats Implemented through a straightforward and seamless API integration with your organization’s Identity Management System, the CyberloQ Secure® MFA sits between your users and your digital resources, continuously verifying the user’s identity with each attempt to access a protected digital resource.Following are just a few of the operational use cases for CyberloQ Secure® that your HCO organization might elect to implement. Protecting against unauthorized access to your business systems & data THREAT: A cybercriminal attempts to impersonate one of your legitimate users – e.g., a Medical Provider, an HR staff member, an IT Admin, etc. – by using stolen access credentials  to log into your backend business intranet to shutdown your business operations, to steal your data, or to hijack your data – think ransomware.RESPONSE: The criminal’s login attempt triggers the push of a CyberloQ Secure® MFA challenge to the legitimate User’s registered device. Aware that they did not initiate the login attempt, the legitimate User simply intentionally fails the MFA challenge, thereby denying access to the criminal.OUTCOME: The benefits from utilizing the CyberloQ Secure® MFA in this manner are threefold: The legitimate User is immediately made aware that their login credentials have been compromised, they have successfully blocked an unauthorized access to your HCO’s systems and data and, finally, they have directly prevented the cybercriminal’s intended financial and reputational damage to your business.NOTE: the same Threat-Response-Outcome scenarios apply to specific other sensitive systems, workflows, and data deeper within your organizations backend intranet. Following are a few examples:Users authorized to distribute Electronic Patient Medical Records could be additionally challenged before the system would complete the “Send” actionUsers authorized to manage overall security permissions of various subsystems (e.g., Payroll, Accounts Payable, etc.) could be additionally challenged before the system would complete the edit to such permissions. #### Home AT THE INTERSECTION OF SECURITY AND CONVENIENCE Strong Customer Authentication with geofencing constraints to stop unauthorized access. CyberloQ Secure® multi-factor authenticator (MFA) delivers the next-generation of identity verification capabilities that turn your smartphone into the ultimate gatekeeper for your sensitive data and financial transactions. Request a demo Contact us https://www.youtube.com/watch?si=NijAA7oGM85R0k9Y&v=AkThwB2bAw4&feature=youtu.be IDENTITY VERIFICATION REIMAGINED Zero-Trust Authentication Model. Sitting at the intersection of security and convenience, CyberloQ Secure® seamlessly integrates with your existing Identity & Access Management (IAM) stack to deepen the protection of your most valuable digital resources with robust, user-friendly defenses.By enforcing patent pending proprietary identity verification protocols that enforce real-time strong customer authentication at every digital access point, we help your organization build unbreakable systems for safeguardingCyberloQ Secure® is your digital deadbolt. Request a demo Contact us How it works A cyber security tool that proactively prevents fraud and protects your Brand. Strong Customer Authentication (SCA) utilizes a combination of challenge factors that rely on what is unique to each of your users:Possession: Something your user has, such as their mobile device.Knowledge: Something your user knows, such as the passcode on their mobile device.Inherence: Something your user is, such as their fingerprint, face or voice biometrics.Whether it’s an employee remotely accessing your network, or a customer making a purchase with a Credit Card, or any other type of activity involving sensitive data or financial transactions, CyberloQ Secure® enforces SCA to verify the identity of your trusted associates and customers every time they initiate a digital interaction with your business, without compromising their user experience Face & Fingerprint Validation Our Face or Fingerprint challenges utilize something you alone are.  We challenge the user to verify their identify by responding to their device’s biometric request. This allows us to block unauthorized access to your protected resources, even if the device is stolen. ‎ Voice Validation Our Voice Verification solution utilizes something you alone are. We send a unique Voice Passcode and challenge the user to verify their identity by speaking that code into their mobile device. Again, this blocks unauthorized access to your protected resources, even if the device is stolen. ‎ Location Validation 
& Constraint Our innovative Location Verification utilizes something you have. We determine the User’s real-time location and compares it to any geographic areas established as permissible – or not – for that user.  Access is allowed only from the User’s in possession of their registered device and within authorized locations. One-Time 
Passcode Validation Our OTP Verification utilizes something you know. We send a unique OTP and challenge the user to verify their identify by typing that code into their mobile device. Like a face or fingerprint, OTPs are a familiar and effective method of blocking for unauthorized access to your protected resources. Leading global organization trust CyberloQ Secure® VALUE PROPOSITION What CyberloQ Secure delivers. According to the Cisco Talos '2024 Year in Review report', attackers used valid credentials to access corporate networks in almost 70% of cybersecurity incidents.The CyberloQ Secure® platform focuses on one thing: empowering your organization to prevent unauthorized access to the systems and applications that run your business. Robust Authentication To meet the requirements of strong customer authentication, CyberloQ Secure® combines standard one-time passcode challenges with additional challenges based on the user’s mobile device itself, and the unique biometric characteristics of their face, fingerprint and voice. Location Constraints The unique geofencing functions at the heart of the CyberloQ Secure® platform enables you to define and assign authorized geographic zones to discrete user-asset combinations These geofence assignments automatically block attempts to access your assets (e.g., websites, bank cards, databases etc. from unpermitted locations. Protected Resources In a world where cyber threats never sleep, your organization requires security tools that keep you one step ahead. CyberloQ Secure® is an innovative approach that: Protects your data and assets Strengthens customer trust Safeguards your business reputation Compliance
Confidence Use CyberloQ Secure® to maintain and enforce a zero-trust security protocol that supports regulatory requirements for protecting your critical assets, all while reducing friction for legitimate users. Differentiated Security Offering In today’s only transaction environment, stolen user credentials are rapidly becoming the most common entry point for data breaches and financial fraud Implementing CyberloQ Secure® will set you apart from your competition when it comes to protecting the identity and assets of your trusted associates and customers New Revenue
Opportunities For Software providers, integrating CyberloQ Secure® into your SaaS offerings strengthens your existing authentication and access controls. Delivering this enhanced security increases your overall value proposition to your clients. Robust SaaS Tools and Services The CyberloQ Secure® Platform is a secure, cloud-based, fully managed multi-factor authentication solution that easily integrates into your existing security infrastructure to meet your user identify verification needs. Seamless Integration CyberloQ Secure® is a low-effort, low-cost API integrations that gets you quickly up and running with significantly enhanced identity verification and user authentication. Request a demo Contact us FAQs. Get answers to common questions about our industry-leading strong customer authentication platform. Account takeover prevention These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs. Secure banking portals These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs. Payment transaction authorisation These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs. These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs.These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs.These are the four core use case categories where CyberloQ Secure® delivers the most impact. Each scenario combines geolocation intelligence, device trust and adaptive MFA in different ways to match your risk profile and regulatory needs. Still have questions? Our security experts are ready to provide personalized guidance. Request a demo #### Investor Relations Investor Relations OTCQB: CLOQCyberloQ Technologies, Inc. (OTCQB: CLOQ) is a pioneering US cybersecurity company dedicated to delivering innovative, proactive solutions that protect digital identities and combat fraud in an increasingly connected world.We specialize in advanced multi-factor authentication (MFA) technologies. Our flagship CyberloQ Secure® platform empowers organizations to prevent unauthorized access, fraudulent transactions, and data breaches with robust, user-friendly defenses. By combining patent-pending proprietary identity verification protocols that enforce strong customer authentication in real time at every digital access point, we help your organization build unbreakable systems for safeguarding your sensitive information and assets and protecting and enhancing your brand reputation. Request a demo Contact us #### News News What's new at CyberloQ Company announcements and cybersecurity insights Request a demo Contact us Stories Latest from CyberloQ Secure. #### Privacy Policy Privacy Policy Last modified: April 30, 2025   Introduction CYBERLOQ TECHNOLOGIES, INC. ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes: The types of information we may collect or that you may provide when you visit either of the Company’s websites whether it is the homepage for CyberloQ® (cyberloq.com) or the homepage for CyberloQ® Secure (secure.cyberloq.com) (the "Website"). Our practices for collecting, using, maintaining, protecting, and disclosing that information. This policy applies to information we collect: On this Website. In email, text, and other electronic messages between you and this Website. Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website. When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy. This policy DOES NOT apply to information that: We collect offline or on any other Company apps or websites, including websites you may access through the Cyberloq mobile application. You provide to or is collected by any third party. These websites, apps, and third parties may have their own privacy policies, which we encourage you to read before providing information on or through them. Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. Children Under the Age of 18 Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at chris@cyberloq.com or 1-941-299-5221. Information We Collect About You and How We Collect It We collect information from and about users of our Website, including information: Directly from you when you provide it to us. Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies. We collect several types of information from and about users of our Website, including information: By which you may be personally identified, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline ("personal information"); That is about you but individually does not identify you; and/or About your internet connection, the equipment you use to access our Website and usage details. Information You Provide to Us The information we collect on or through our Website may include: Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, and requesting further services. We may also ask you for information when you report a problem with our Website. Records and copies of your correspondence (including email addresses), if you contact us. Your responses to surveys that we might ask you to complete for research purposes.   Information We Collect Through Automatic Data Collection Technologies   As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:   Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website. Information about your computer and internet connection, including your IP address, operating system, and browser type. We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click here [INCLUDE AS LINK TO DO NOT TRACK DISCLOSURES] for information on how you can opt out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking. The information we collect automatically is statistical data and may include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to: Estimate our audience size and usage patterns. Store information about your preferences, allowing us to customize our Website according to your individual interests. Recognize you when you return to our Website.   The technologies we use for this automatic data collection may include:   Cookies (or browser cookies) A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. Web Beacons Pages of our the Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us. Third-Party Use of Cookies and Other Tracking Technologies When you use the Website or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include: Advertisers, ad networks, and ad servers. Analytics companies. Your mobile device manufacturer. Your mobile service provider. These third parties may use tracking technologies to collect information about you when you use this website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites, apps, and other online services websites. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. How We Use Your Information We use information that we collect about you or that you provide to us, including any personal information: To present our Website and its contents to you. To provide you with information, products, or services that you request from us. To fulfill any other purpose for which you provide it. To provide you with notices about your account/subscription, including expiration and renewal notices. To notify you about changes to our Website or any products or services we offer or provide though it. In any other way we may describe when you provide the information. For any other purpose with your consent. We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile. We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria. Disclosure of Your Information We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. We may disclose personal information that we collect or you provide as described in this privacy policy: To our subsidiaries and affiliates. To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them. To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Cyberloq Technologies, Inc.'s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Cyberloq Technologies, Inc. about our Website users is among the assets transferred. To third parties to market their products or services to you if you have not opted out of these disclosures. To fulfill the purpose for which you provide it. For any other purpose disclosed by us when you provide the information. With your consent. To comply with any court order, law, or legal process, including to respond to any government or regulatory request. To enforce or apply our terms of use and other agreements, including for billing and collection purposes. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Cyberloq Technologies, Inc., our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. Choices About How We Use and Disclose Your Information We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: Tracking Technologies and Advertising You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. Disclosure of Your Information for Third-Party Advertising If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to chris@cyberloq.com. Promotional Offers from the Company If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to chris@cyberloq.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. Targeted Advertising If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to chris@cyberloq.com. We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website. Accessing and Correcting Your Information You can review and change your personal information by logging into the Website and visiting your account profile page. You may also send us an email at chris@cyberloq.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. Your California Privacy Rights California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to chris@cyberloq.com or write us at: Cyberloq Technologies, Inc., 4837 Swift Road, Suite 210-1, Sarasota, FL 34231. Data Security We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website. Changes to Our Privacy Policy It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you by email to the email address specified in your account and through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes. Contact Information To ask questions or comment about this privacy policy and our privacy practices, contact us at chris@cyberloq.com or write us at: Cyberloq Technologies, Inc., 4837 Swift Road, Suite 210-1, Sarasota, FL 34231.   #### Real Estate Security Can you stop unauthorized access? BEC, or Business Email Compromise is the most significant threat facing Real Estate organizations.BEC involves attackers with stolen login credentials spoofing your organizations valid email accounts to manipulate payment wiring instructions and redirect funds to fraudulent accounts.Cybercriminals target Real Estate precisely because of the large sums of money involved in transactions. Request a demo Contact us Your risk The threats Real Estate faces. WireFraudPrevention.org reports that approximately 35-50% of all wire fraud cases stem from real estate transactions, especially during closing processes.In the decade ending in 2023, real estate wire fraud grew 50 times from $9 million to $446 million in annual losses reported to the FBI Internet Crime Complaint Center.CyberloQ Secure® is zero-trust identity verification that helps protect you against fraud resulting from identity impersonation based on stolen account credentials. OUR Solution How CyberloQ Secure® works to verify identity Strong Customer Authentication (SCA) utilizes a combination of challenge factors that rely on what is unique to each individual authorized to access your systems and data:Possession: Something your user has, such as their mobile device.Knowledge: Something your user knows, such as the passcode on their mobile device.Inherence: Something your user is, such as their fingerprint, face or voice biometrics. Whether it’s an Agent remotely accessing your network while traveling, a Transaction Coordinator updating the details of a Listing, a buyer accessing your Portal to verify wiring instructions, or any other type of activity involving sensitive operational system and client data, CyberloQ Secure® enforces SCA to verify the identity of your trusted associates and customers every time they initiate a digital interaction with your organization, without compromising their user experience. Face & Fingerprint Validation Our Face or Fingerprint challenges utilize something you alone are.  We challenge the user to verify their identify by responding to their device’s biometric request. This allows us to block unauthorized access to your protected resources, even if the device is stolen. ‎ Voice Validation Our Voice Verification solution utilizes something you alone are. We send a unique Voice Passcode and challenge the user to verify their identity by speaking that code into their mobile device. Again, this blocks unauthorized access to your protected resources, even if the device is stolen. ‎ Location Validation 
& Constraint Our innovative Location Verification utilizes something you have. We determine the User’s real-time location and compares it to any geographic areas established as permissible – or not – for that user.  Access is allowed only from the User’s in possession of their registered device and within authorized locations. One-Time 
Passcode Validation Our OTP Verification utilizes something you know. We send a unique OTP and challenge the user to verify their identify by typing that code into their mobile device. Like a face or fingerprint, OTPs are a familiar and effective method of blocking for unauthorized access to your protected resources. CyberloQ Secure® is your digital deadbolt. Request a demo Contact us THE BUSINESS CASE How CyberloQ Secure® protects against Identity Fraud-based cyberthreats Implemented through a straightforward and seamless API integration with your organization’s Identity Management System, the CyberloQ Secure® MFA sits between your users and your digital resources, continuously verifying the user’s identity with each attempt to access a protected digital resource.Following are just a few of the operational use cases for CyberloQ Secure® that your HCO organization might elect to implement. Protecting against unauthorized access to your business systems & data THREAT: A cybercriminal attempts to impersonate one of your legitimate users – e.g., an Agent, an internal staff member, or a 3rd Party partner from a Title Company, Escrow Agency, a Lawyer, etc. – by using stolen access credentials  to log into your backend business portal to shutdown your business operations, to steal your data, or to hijack your data – think ransomware.RESPONSE: The criminal’s login attempt triggers the push of a CyberloQ Secure® MFA challenge to the legitimate User’s registered device. Aware that they did not initiate the login attempt, the legitimate User simply intentionally fails the MFA challenge, thereby denying access to the criminal.OUTCOME: The benefits from utilizing the CyberloQ Secure® MFA in this manner are threefold: The legitimate User is immediately made aware that their login credentials have been compromised, they have successfully blocked an unauthorized access to your Brokerage’s systems and data and, finally, they have directly prevented the cybercriminal’s intended financial and reputational damage to your Brokerage. NOTE: the same Threat-Response-Outcome scenarios apply to other organizations participating in the Real Estate ecosystem.  For example: If a Title Company implements the CyberloQ Secure® MFA, cybercriminals using stolen legitimate user credentials belonging to their staff would be blocked in their attempts to access and alter Wire Transfer Instructions. #### Request a demo Request a Demo. See CyberloQ in action. Schedule a personalized demo with our team. Get in touch. Email info@cyberloq.com Phone +1 941.299.5221 Address 4837 Swift Road, Suite 210-1, Sarasota, FL. 34231 USA #### Terms and Conditions Website Terms of Service For secure.cyberloq.comLast Modified: April 30, 2025Your Acceptance of the Terms of ServiceThese terms of service are entered into by and between You and Cyberloq Technologies, Inc. ("Company", "we" or "us"). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these "Terms of Service"), govern your access to and use of secure.cyberloq.com (the “Website”) and related services used to administer and support the Cyberloq Secure Mobile Application for iOS and Android (the “App”). Please read these Terms of Service carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy, found at LINK, incorporated herein by reference. If you do not want to agree to these Terms of Service or the Privacy Policy, you must not access or use the Website.This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.Changes to the Terms of ServiceWe may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice prior to the date the change is posted on the Website.Your continued use of the Website following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.ServicesThe App provides Multi-Factor Authentication and Authorization (MFA) protocols to prevent fraudulent access to online systems and the digital assets and sensitive information that they house.   The Website provides an alternate way to access certain features of the App such as cAccessing the WebsiteWe reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.You are responsible for:Making all arrangements necessary for you to have access to the Website.Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Service and comply with them.Account SecurityTo access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Service.Personal InformationWe collect personal information through the Website as described in our Privacy Policy which can be found here: LINK.  By using this Website, you consent to the collection, use, and sharing of your personal information as outlined in the Privacy Policy, in compliance with all appicable laws including the General Protection Data Regulation (GDPF) in the EU and the California Consumer Privacy Act.Intellectual Property RightsThe Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.These Terms of Service permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.You may store files that are automatically cached by your Web browser for display enhancement purposes.You may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.If we provide social media features with certain content, you may take such actions as are enabled by such features.You must not:Modify copies of any materials from this site.Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.If you wish to make any use of material on the Website other than that set out in this section, please address your request to: chris@cyberloq.com.If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Service, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark and other laws.TrademarksThe Company name, the term CyberloQ®, Cyberloq Secure, the Company logo, and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.Prohibited UsesYou may use the Website only for lawful purposes and in accordance with these Terms of Service. You agree not to use the Website:In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter" or "spam" or any other similar solicitation.To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing).To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.Additionally, you agree not to:Access or use another user’s account without authorization;Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website.Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.Use any device, software or routine that interferes with the proper working of the Website.Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.Reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or gain access to the code of the Website or any part thereof;Remove, delete, alter, or obscure any trademarks or any copyright, trademark, patent, or other intellectual property or proprietary rights notices from the Website;Remove, disable, circumvent, or otherwise create or implement any workaround to any copy protection, rights management, or security features in or protecting theAttempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.Otherwise attempt to interfere with the proper working of the Website or disrupt the operation or security of the Website in any way.TerminationWe may suspend or terminate your access to the Website at our discretion, without notice, for conduct that we believe violates these Terms of Service or is otherwise harmful to other users or the Company.User ContributionsReliance on Information PostedThe information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.This Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.Changes to the WebsiteWe may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.Linking to the Website and Social Media FeaturesYou may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part.This Website may provide certain social media features that enable you to:Link from your own or certain third-party websites to certain content on this Website.Send e-mails or other communications with certain content, or links to certain content, on this Website.Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.You may use these features solely as they are provided by us solely with respect to the content they are displayed with. Subject to the foregoing, you must not:Establish a link from any website that is not owned by you.Cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.Link to any part of the Website other than the homepage.Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Service.You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.We may disable all or any social media features and any links at any time without notice in our discretion.Links from the WebsiteIf the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.Geographic RestrictionsThe owner of the Website is based in the state of Florida in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.International UsersIf you are accessing the Website from the European Union or other regions with laws governing data collection and use, you agree to the transfer of your personal data to the United States and other jurisdictions where we or our service providers operate. We take appropriate safeguards to protect your personal data in accordance with GDPR and applicable laws.  If you access the Website from the EU or any jurisdiction other than the United States, you are respnosible for compliance with local laws.Disclaimer of WarrantiesYou understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.Limitation on LiabilityIN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.Notwithstanding any damages that You might incur, the entire liability of the Company under any provision of these Terms of Service and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You for the App or through the App or 100 USD if You haven't purchased anything through the App.Class Action WaiverTo the fullest extent permitted by law, You agree that any dispute, claim, or controversy arising out of or relating in any way to your use of the Website or these Terms of Service will be resolved on an individual basis.  Class, collective, consolidated, or representative actions are not permitted and explicitly waived by You.IndemnificationYou agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services and products other than as expressly authorized in these Terms of Service or your use of any information obtained from the Website.Governing Law and JurisdictionAll matters relating to the Website and these Terms of Service and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule (whether of the State of Florida or any other jurisdiction).Any legal suit, action or proceeding arising out of, or related to, these Terms of Service or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Florida in each case located in Tampa or Sarasota Florida, as applicable, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Service in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.ArbitrationAt Company's sole discretion, it may require You to submit any disputes arising from the use of these Terms of Service or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association.Limitation on Time to File ClaimsANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.Waiver and SeverabilityNo waiver of by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision.If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.Entire AgreementThe Terms of Service and our Privacy Policy constitute the sole and entire agreement between you and Cyberloq Technologies, Inc. with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.Your Comments and ConcernsThis website is operated by Cyberloq Technologies, Inc., 4837 Swift Road Suite 210-1 Sarasota, FL. 34231.  All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to: chris@cyberloq.com.