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Future Proof Property Intelligence PBC


Nearly half of U.S. homes face fire, flood, hurricanes, tornadoes, and earthquakes; insurance premiums in high-risk areas have jumped 82%. Future Proof’s Visionary™ AI Engine links homeowners, contractors, and insurers with property-hardening solutions to mitigate damage and save on insurance.

 

Raised to Date
$0

0%
Pledged:
ID:
NC-FPD-2026
Exemption:
REG-D (506c)
Issue Type:
Equity
Accredited Only:
Yes
Financials:
Reviewed
Reviewed By:
Carbonaro CPAs & Management Group
Price per Share:
$2.75
Minimum Investment:
$25,000
Requested Investment:
$35,000
Investment Increments:
$5,000
Minimum Goal:
$50,000
Stretch Goal:
$6,250,000
Maximum Goal:
$8,265,000
Valuation:
$18,913,942 PRE-MONEY
Raise Start Date:
November 12th, 2025
Raise Target Date:
December 31st, 2025
Raise End Date:
March 30th, 2026

INTRODUCTION

American property owners face an unprecedented crisis. Billion-dollar weather disasters have exploded from about three events per year in the 1980s to 27 disasters in 2024 alone. Nearly half of U.S. homes face severe threats, with about $22 trillion in residential properties at risk of "severe or extreme damage" from flooding, high winds, wildfires, and extreme heat. America needs a comprehensive, proactive national remediation program led by the private sector to get in front of the threats impacting our aged housing stock. Through years of work by a collective of talented and innovative people, Future Proof was created to address this problem. 

The insurance industry's response has created a second crisis. 95% of all US ZIP codes experienced a rise in homeowners’ insurance premiums in the last three years. Homeowners' insurance rates have risen dramatically, more than twice as fast as the rate of inflation. About 35.6 million properties — a quarter of all U.S. real estate and home to 120 million people — are facing higher insurance costs and lower coverage because of extreme weather risks. The average rise in insurance costs was 24% in the past five years. In the hardest-hit states, coverage is becoming completely unavailable.

This convergence between insurance costs and insurance coverage creates consumer demand for solutions. Market research shows 51% of homeowners worry about extreme weather affecting their homes, while 80% of buyers now consider weather hazards when house shopping. Yet more than a quarter of homeowners say they aren't financially prepared to handle the costs that come with extreme weather.

Homeowners desperately need actionable guidance to protect their properties and reduce insurance costs. The insurance industry recognizes that mitigation works - top insurers now offer premium discounts of 5-50% for protective features1 - but homeowners lack accessible tools to determine which improvements are most likely to provide a strong return on investment for their specific property.
Future Proof enters this market at a critical inflection point, when millions of property owners face an urgent need for personalized, actionable solutions to protect their most valuable asset.

 


SUCCESS TO DATE

Proprietary Technology Platform: Is continuing development and testing of its proprietary AI-powered home assessment technology that combines extreme weather risk modeling with construction vulnerability analysis - to our knowledge, no direct competitors offer this type of integrated solution.

Home Designs, Plans, and Remodeling Solutions: Acquired tech from The Paulele Hale Association (TPHA), which has developed construction material and techniques to build fire- wind- and water-resistant structures. TPHA has built and remodeled fortified homes using this technology over the last 6 years. 

Market-Ready Product Suite: Visionary AI EngineTM, our AI core, is operational with ongoing AI training and refinement constantly in process as a deep learning system. Visionary supports two field data collection applications and integrates that data with numerous other sources such as future climate data, underwriting risk and insurance discount tables, ground and aerial photogrammetry,  demographics, building codes, construction engineering, and contractors’ best practices. Each step in the process creates an address-specific dossier, with “as built” specifications for that property to re-engineer (when possible) for extreme weather remediation. 

The Company has now released its first consumer education app ("Magic Window®") into both the Apple and Google app stores. Magic Window is the introductory product for the B2C  portion of the Future Proof marketing plan and report sales funnel. 

(XHome Survey), is in continuing development with a planned release in early 2026. This is our second field application for conducting ground-based remote virtual inspections. When the first application identifies a property with high degrees of risk, the property owner is directed to use this application to do specific construction and remediation analysis. 

We have currently achieved a working prototype of this property scanning technology, which integrates Apple’s advanced augmented reality (AR) technology, which builds a 3D image of a structure that the Visionary Platform can integrate with other data resources, analyze, and make re-engineering recommendations.   

Insurance Industry Integration: The primary incentive for a property owner to remediate is lower insurance costs and mitigated property depreciation due to extreme weather risks. Both costs and value are equal to the safety of the property itself.

Future Proof cost-effectively provides specific knowledge of a property’s deficiencies and remediation plans to achieve the requirements a homeowner has to meet in remodeling their home to qualify for these insurance discount programs.  There are currently 13+ states where insurers offer premium reductions for verified home hardening against extreme weather. Current projections include California, Texas, Florida, Alabama, Oklahoma, North Carolina, South Carolina, Georgia, Louisiana, and Colorado, and research indicates that over the next 25 years, this list could include as many as 38 states.

Authoritative Data Resources: Secured relationships with leading extreme weather predictions & disaster risk modeling providers, photogrammetry, international building code databases, and construction “best practices” training, creating a significant competitive advantage and data accuracy.

  • IBM Climate Intelligence (current extreme weather risk modeling)
  • EagleView (aerial photogrammetry/imagery)
  • The Weather Company (75 year historical datasets & 15 min real-time weather)
  • OpenAI, Perplexity, and other AI reference & data  integration tools (report generation, data consolidation, localized reference material for grants/loans/community programs, construction engineering, builder’s best practices (as-built)
  • Google Imaging Group (photography, maps, GIS, and image analysis)
  • Apple AR (augmented reality system to build 3D analytical twins)

Intellectual Property Secured – Trademarks, Copyrights & Proprietary Rights

Future Proof has filed and secured multiple U.S. federal trademark registrations covering core brands, product names, and key phrases. We are also in the process of holding copyrights protecting our original software code, user interfaces, documentation, and marketing materials. Together, these protections establish exclusive rights over the expression of our technology and messaging.

In parallel, our proprietary methodology for translating property scans into actionable retrofit specifications—with cost estimates, insurance discount guidance, and financing options—is maintained as a trade secret.

The Company has filed for provisional patent protection on three of its key AI system platform components, which in the first filing cover: “System for Training AI Model in Best Construction Practices” (Docket FutureProof-P1); the second, “AI Analysis Systems Flow from Field Collection Devices” (Docket FutureProof-P2); and third, a process patent, “Visionary AI Engine for Property Extreme Weather Risk Analysis and Remediation” (Docket FutureProof-P3), covering its overall integration and recommendation systems for remote inspection, climate risk deconstruction, construction re-engineering, and in-field experience-based construction best practices.  

Future Proof Property Intelligence traces its roots to 2017, when The Paulele Hale Association (TPHA), a Hawai‘i nonprofit founded in honor of its founder’s late wife, Holly, was created to advance climate-resilient, affordable housing, and sustainable communities while stewarding proprietary construction technologies. TPHA became an innovator in disaster-resistant construction, educating communities and collaborating with architects, engineers, climate scientists, and technologists through its “Creative Collaborative” program to develop breakthrough retrofit and building methods.

Building on this foundation, Future Proof has established its mainland offices at 101 Montgomery St, Suite 900 in San Francisco, California to access top talent and advanced technology. As a SaaS Public Benefit Corporation, its dual mission remains clear: making America’s homes resilient to extreme weather by uniting AI technology with practical construction, financing, and insurance solutions. In addition to this comprehensive technical position, the company plans to incorporate building out a network of qualified construction professionals subscribing to its pre-packaged plan and sales leads services, as well as a sponsorship program to monetize the product recommendations with manufacturers and DIY sales leads to the retail distribution channels such as Home Depot.  

Our vision: fixing homes today prevents catastrophic losses tomorrow, protecting families and stabilizing communities.

 


PROBLEM

The Perfect Storm: Why me? Why Now?

American families are living through an unprecedented assault from extreme weather. What was once considered a rare, once-in-a-generation disaster has become terrifyingly routine. In the 1980s, a billion-dollar weather catastrophe struck the U.S. about three times per year. Today, families face the threat of massive destruction nearly every other week, with 27 catastrophic events in 2024 alone, which cost $182B in total losses.

https://www.climate.gov/news-features/blogs/beyond-data/2024-active-year-us-billion-dollar-weather-and-climate-disasters?utm_source=chatgpt.com 
https://www.reuters.com/sustainability/cop/california-senator-calls-noaa-restore-billion-dollar-disaster-database-2025-05-13/?utm_source=chatgpt.com

The acceleration is staggering - we've gone from occasional weather emergencies to a relentless barrage of storms, fires, floods, and heat waves that destroy entire communities. Each disaster leaves families homeless, businesses shuttered, and communities struggling to rebuild before the next catastrophe strikes.

 

 

 


SOLUTION

The Mitigation Solution Gap

The insurance industry recognizes mitigation works. Top insurers now offer premium discounts of 5-50% for homes with protective features, such as impact-resistant roofing, wildfire-defensible space, and flood elevation. However, homeowners lack accessible guidance on which improvements best protect their specific property.

This creates our opportunity: Future Proof bridges the gap between risk awareness and actionable solutions, helping homeowners reduce both their physical risk and insurance costs.
Magic Window: Community Risk Assessment Tool 
(Launched 4th QTR, 2025)

Future Proof’s flagship app, Magic Window®, is a “time machine” for community risk. At the zip code level, it transforms weather and census data into actionable awareness, delivering risk ratings across the “seven deadly disasters” plus 75-year projections (2025–2100). Users can also look back 75 years to compare how risk at their property’s address has evolved. Magic Window educates property owners and, in high-risk locations, drives urgency to our second app, XHome Survey™, which delivers specific solutions for their property.  

The free version of Magic Window® delivers basic community risk scores with an aerial flyaround of the user’s zip code. A $24.99 premium report unlocks deeper insights—action steps, insurance discounts, tax credits, and financing programs tailored to the homeowner’s location. 

Each premium report purchase initiates an auto-renewing annual subscription, unlocking future features such as real-time weather alerts, updated climate projections, and refreshed property risk reports.

What Magic Window® shows:

  • Community-wide weather risk assessment for your property in your  zip code
  • Insurance discounts and grants available in your area
  • Regional financing programs and tax incentives
  • Future risk trends as climate patterns evolve
  • Remodeling solutions general to your community
  • Projected return on investment for remediation

XHome Survey ™: Property-Specific Construction Analysis Tool 
Anticipated Q2 2026 Release

The second stage of Future Proof’s ecosystem, XHome Survey ™, provides comprehensive property analysis by combining ground-level inputs with high-resolution aerial imagery at 1-inch detail. Unlike Magic Window’s community risk focus, XHome Survey evaluates each property individually—capturing every wall, window, door, vent, and nearby vulnerabilities on the lot.

With just a smartphone, ground-level data integrates with scans and aerial imagery to generate a 3D digital twin of the property. The Visionary AI Engine™ then identifies structural vulnerabilities, produces itemized retrofit plans, and creates tract-level risk profiles—even to the level of individual trees. After remediation, the system re-scores the property, often qualifying it for improved insurance ratings and premium discounts.

Building an Ecosystem That Drives Action

Magic Window® drives risk awareness and highlights available financial incentives, guiding at-risk homeowners into the XHome Survey™ app. XHome Survey then delivers the detailed construction roadmap for remediation. This two-stage model maximizes conversion while addressing different user needs and price points.

Insurance Industry Partnership: Transforming Risk Assessment with Ground-Truth Data

Future Proof addresses the insurance industry's most critical challenge: the gap between what they think they know about properties and what actually exists. 

Traditional risk models depend heavily on COPE (construction, occupancy, protection, exposure). Yet for America’s aging housing stock—averaging 60 years old—construction data is outdated, and building techniques from that era are inadequate against today’s extreme weather. Current inspection methods cost $300–$500 per property, yield inconsistent data, and provide reliable insights only on roof conditions.

Insurers report that AI analysis of property risk from this method has been unreliable due to inconsistent photos and assessments from non-standardized inspections—creating a classic “garbage in, garbage out” problem that undermines accurate, in-situ risk evaluation.

Our platform delivers what insurers lack: standardized, comprehensive property intelligence—derived from nearly one trillion data points—exposing the “unknown unknowns” in housing risk. Unlike static databases, our AI deconstructs how properties are actually built, flags decades of field modifications, and applies best-practice analysis to real-world conditions that diverge sharply from original plans. The resulting property dossiers form a high-value data asset, projected to represent ~40% of enterprise value, giving insurers on-demand intelligence through our Visionary AI Platform™ to underwrite accurately, price fairly, prevent claims, and ultimately lower premiums while expanding coverage in high-risk areas.


BUSINES MODEL OVERVIEW

Future Proof operates a multi-channel revenue model targeting both direct consumers and business customers across the extreme weather home resilience market.

Future Proof’s diversified revenue model spans three industries—property owners, contractors, and insurers. Revenue streams include tiered consumer subscriptions, property risk assessments, DIY retrofit plans, contractor leads, and sponsored partnerships. This multi-channel approach builds predictable recurring revenue while creating a high-value resilience dataset for insurance underwriting.

Consumer Subscriptions in Magic Window®

Our tiered subscription model charges homeowners $24.99 annually, which includes their first property address. Additional properties can be purchased individually or in bundles at reduced prices. Subscriptions auto-renew annually and include ongoing access to frequently updated risk models, new features, and updated report downloads on their property.

Professional Services in XHome Survey™

Future Proof offers two service tracks. The DIY option, priced up to $499, delivers detailed home assessments, a 3D digital twin, and specific retrofit plans with material lists and budgets. In parallel, manufacturer and distributor sponsorships will embed our apps to generate sales leads and marketing analytics.

Our contractor marketplace generates $25–$250 per qualified lead, depending on project value. Contractors pay a $500 annual access fee and receive pre-packaged projects with detailed homeowner demographics, significantly lowering their customer acquisition costs.

Enterprise SaaS for Insurance Underwriting

The Visionary AI Engine™ serves insurers, reinsurers, and mortgage financiers with subscription-based risk intelligence. Enterprise clients gain portfolio-level assessments, real-time property imagery, dynamic re-scoring, and predictive analytics up to three years forward. This B2B SaaS model creates recurring revenue by enhancing underwriting with fact-based, ground-level property intelligence.

 


MARKET

The $150+ Billion Annual Crisis

In 2024, there were 27 individual weather-related disasters with at least $1 billion in damages, with costs of approximately $182.7 billion. This represents a dramatic acceleration from about three events annually during the 1980s to 19 events annually during the last 10 years.

$22 Trillion in Property at Risk

Roughly $22 trillion worth of homes are now at risk of damage from flooding, wildfire, and other extreme disasters. This represents nearly half of all U.S. residential property value, with 44.8% of all homes at severe or extreme risk of at least one disaster.

Insurance Market in Crisis

The insurance response has created a secondary crisis. Average homeowners' insurance premiums per policy increased 8.7 percent faster than the rate of inflation from 2018 to 2022. About 35.6 million properties — a quarter of all U.S. real estate — are facing higher insurance costs and lower coverage because of increased risks.

Massive Consumer Demand Signal

Market research confirms urgent demand for solutions: More than 4 out of 5 prospective home buyers consider climate risks as they shop, while 51% of homeowners are worried climate change-related hazards will affect their homes.

The Mitigation ROI Opportunity

The insurance industry recognizes that mitigation works, offering premium discounts ranging from 5% to 50% for protective features. However, homeowners lack accessible tools to identify which improvements provide the best return on investment for their specific property.
 Future Proof captures this massive market gap where weather risk anxiety meets actionable solutions, turning a $150+ billion annual problem into a scalable technology opportunity.

 


PRESS

Homes & Gardens
How to prepare your house for extreme weataher - 10 future-proofing upgrades to help keep your family safe and well in an emergency

Yahoo! Finance
Magic Window App Pre-Orders Begin: Tool Helps Homeowners Fortify Against Extreme Weather

News10
Magic Window App Pre-Orders Begin:Tools Helps Homeowners Fortify Against Extreme Weather

 


TEAM

Photo of Ben Gilliland

Ben Gilliland

Chairman / Founder
National Association of Home Builders (NAB)
Building Institute Hawaii (BIH)
bdg3@Futureproof.org

With over 55 years of experience in design, technology, structured finance, and venture capital, Ben has led and financed pioneering work in live special effects, computer software, and licensed construction remediation, earning patents in fiber optics for his innovative solutions. Together with his late wife, Holly, he founded The Paulele Housing Association (TPHA) in Hawai‘i to develop affordable, climate-resilient housing and new material systems for wildfire, wind, and water resilience, and now advances protective solutions for low-level flooding. Leveraging his expertise in structured finance, Ben engineered the reorganization and spin-out of TPHA’s AI technology into Future Proof Property Intelligence, PBC, securing access to capital while expanding its mission to homeowners nationwide. A long-standing advocate for resilient, affordable housing and homeowner education, Ben and his team created Future Proof’s holistic platform to address the insurance crisis through cost-effective remediation and innovative financing.

Photo of Claudia Brenner

Claudia Brenner

Chief Executive Officer / Director
Claudia@Futureproof.org

Claudia transforms complex challenges into scalable, lasting solutions as a systems integrator and innovator. She designs advanced systems and software for global planning and analysis using AI and emerging technologies, with a career spanning Fortune 500s, mid-size firms, and startups. Claudia has delivered integrated platforms, enterprise portals, mobile applications, and mission-critical dashboards for Kaiser Permanente, Oracle, IBM, Applied Biosystems, and early-stage ventures. She bridges business strategy, marketing, systems integration, and life sciences to drive innovation. She earned a BS with Honors in Life Sciences (Penn State) and an MBA in Marketing & International Business (SMU Cox School of Business). As Co-CEO of the Catastrophic Wildfire Prevention Consortium (CWPC) at CrowdDoing, she works with communities and partners worldwide to build wildfire resilience.

Photo of Robert Bajoras

Robert Bajoras

Chief Technical Officer
(BSEE & Cert UT)
Bob@Futureproof.org

Bob began his career at Westinghouse Electric after earning a BS in Electrical Engineering from the University of Pittsburgh. At Westinghouse, he worked on nuclear power plant instrumentation for the U.S. Navy, gaining early experience in safety-critical systems. He then advanced to Krautkramer Branson, where he designed ultrasonic test systems used in aerospace, automotive, oilfield, and other high-stakes industries. His first software project involved developing operating systems for instrumentation that inspected jet engine turbine blades and nuclear fuel rods for cracks—work that combined hardware engineering with software innovation. In 1999, Bob joined Art & Logic, later rising to President (2011–2023), where he led strategy, expanded client relationships, and guided delivery of complex software solutions across diverse industries.

Photo of Pualilia Paikuli

Pualilia Paikuli (LMT)

Director / Chargé d'affaires
Pua@Futureproof.org

Born on O‘ahu and an active member of the Hawaiian cultural community, Pua brings over 20 years of professional experience and management with a diverse group of companies on the Island of Hawai’i, and runs her own business as a licensed massage therapist. She has proven to be an effective leader in both the organization of the TPHA nonprofit and the genesis of Future Proof’s spin-out. As a Future Proof Director and Chargé d’affaires, she serves as a navigator and pole star, balancing profit with heart to keep both companies aligned with their mission. In her role as Team Ambassador of Aloha, she ensures the organization remains rooted in the core values of its parent nonprofit.

Photo of Alec Lai

Alec Lai

Chief Financial Officer (Interim)
Alec@Futureproof.org

Alec is an entrepreneur and CEO of Zephyr Business Group, a finops firm providing back-office and strategic CFO services. He specializes in designing efficient systems that streamline operations, capture institutional knowledge, and free leadership to focus on growth. Through his consulting and leadership at Zephyr, Alec has supported over 70 clients—from startups and small businesses to nonprofits—helping early-stage companies raise more than $445M in pre-seed through Series A rounds.

Photo of Jessie Torrisi

Jessie Torrisi

Chief Marketing Officer
Jessie@Futureproof.org

Jessie is dedicated to using storytelling to drive property owner momentum for solving today’s disaster challenges brought on by extreme weather events. She has led communications, fundraising, and advocacy campaigns for social change organizations worldwide, including Human Rights Watch, Earthjustice, Color Of Change, Comic Relief, and the ACLU. With 20 years of experience, she has previously run her own consulting agency, Spark Strategy & Communications, and is driven by a commitment to racial justice, climate action, and community empowerment.

Photo of Dawn Sena

Dawn Sena, M.A., R(S)

Advisor / Executive Director, TPHA
Dawn@tpha.org

Dawn brings over 25 years of experience in real estate sales, specializing in luxury investments and residential properties across the Big Island of Hawai‘i. With a passion for addressing Hawai‘i’s affordable housing crisis, she works to advance resilient, affordable housing and sustainable communities grounded in Hawaiian cultural practices, as Executive Director of the Paulele Housing Association (TPHA). She is known for delivering exceptional client service and building lasting relationships, offering expertise in housing market trends, strategic negotiation, and innovative marketing campaigns.


INVESTOR INVITATION

Extreme weather is already devastating American communities. Behind every billion-dollar disaster are families losing everything—from Californians dropped by insurers, to Florida retirees watching their homes submerged, to North Carolina communities still rebuilding from unprecedented floods. 

While politicians debate and insurers retreat, Future Proof empowers homeowners with the tools to protect their most valuable asset: their home.

Building Tomorrow's Weather-Smart America

› The Next Decade is Decisive
American communities will either become more resilient—or collapse under the weight of extreme weather. Future Proof investors are funding technology that gives our aging 60-year-old housing stock a fighting chance at survival.

› The Crisis is Immediate
In 2024 alone, 27 billion-dollar disasters caused $182B in damages. Insurance premiums have surged 82% in high-risk areas, leaving 120 million homeowners exposed with no real solutions in sight.

› The Private Sector Must Lead
Government action lags while insurers retreat. Only private-sector innovation can meet this urgent challenge.

› The Investor Opportunity
Early backers can address a $22 trillion problem with a scalable technology platform—capturing market share in a sector that is only just emerging.

› Impact at Scale
This is impact investing at its most powerful: protecting American communities while building a defensible business in one of the fastest-growing markets of the next decade.

Invest in resilience.


USE OF PROCEEDS

If the offering's maximum amount of $8,265,000 is raised:

Use Description Value % of Proceeds
Research & Development Core development of the AI home inspection and climate risk platform $3,310,000 40%
Sales & Marketing User acquisition and market outreach $2,070,000 25% 25%
General & Administrative Expenses Operating overhead and support $1,240,000 15%
Capital Expenditures Cloud infrastructure and equipment $830,000 10%
Operating Cash Flow Liquidity reserve $400,015 5%
Intermediary Fees Future Proof has agreed to pay Netcapital Securities Inc. an engagement fee of $10,000, payable upon the first disbursement of funds from escrow, and a cash success fee equal to 4.9% of the total amount raised $414,985 5%
Total - $8,265,000 100%

 


SOURCES:

¹ FEMA (Building Codes Save Study); Pew (Mitigation ROI); Florida OIR (Hurricane Loss Mitigation Discounts); CSAA Insurance (Wildfire Discount); CitizenPortal.ai (Arkansas Commissioner Standards)


RISKS/DISCLAIMERS:

  • This offering of securities is being conducted pursuant to Regulation D, Rule 506(c) and is available only to accredited investors. Investors will be required to verify their accredited status prior to making any investment. This Reg D offering is facilitated by Netcapital Securities Inc., a FINRA member and SEC-registered broker-dealer. In connection with this Regulation D offering, Future Proof Climate Intelligence PBC (the “Company”) has agreed to pay Netcapital Securities a cash success fee equal to 4.9% of the aggregate amount raised by the Company (the “Success Fee”). The Company has also agreed to pay Netcapital Securities a one-time, non-refundable engagement fee of $10,000, due upon the first disbursement of funds to the Company from escrow (the “Engagement Fee”). The Company is also conducting a separate securities offering pursuant to Regulation Crowdfunding (Reg CF), which is hosted on Netcapital Funding Portal Inc., a FINRA member and SEC-registered funding portal. These are separate and distinct offerings made under different exemptions from registration. Participation in one offering does not constitute an offer or solicitation to participate in the other. Investment terms, eligibility requirements, and processes differ between the two offerings.

  • Third-Party Data & AI Model Dependency Risk: The platform relies entirely on external data feeds and models over which the Company has no ownership or control. Termination, degradation, or cost increases in access could render core functionality inoperable.

  • AI Accuracy & Liability Risk: AI-generated risk scores and retrofit recommendations, if inaccurate, could lead to under-mitigated property damage, denied insurance claims, or rescinded discounts. Resulting lawsuits, regulatory investigations, or mandated third-party validations could impose uncapped liability and destroy credibility.

  • Insurance Carrier Adoption Risk: Projected revenue assumes insurers will accept the Company’s risk models for policy underwriting or resilience discounts. Carriers typically require years of actuarial validation and may prefer in-house or incumbent solutions, blocking a critical go-to-market path.

  • Public Benefit Corporation (PBC) Structural Risk: As a Delaware PBC, the Company is legally obligated to prioritize its public benefit (climate-resilient housing) alongside profit. This mandate may restrict dividend policies, strategic pivots, or acquisition terms in ways that cap financial returns to investors.

  • Execution Risk in Product Rollout – While Future Proof has released initial products, its long-term success depends on the timely launch and adoption of forthcoming tools such as XHome Survey, VisionaryAI Engine, and RePay. Delays, cost overruns, or technical setbacks could materially affect growth projections and investor confidence.

  • Start-up investing is risky: Investing in early-stage companies is very risky, highly speculative, and should not be made by anyone who cannot afford to lose their entire investment. Unlike an investment in a mature business where there is a track record of revenue and income, the success of a startup or early-stage venture often relies on the development of a new product or service that may or may not find a market. Before investing, you should carefully consider the specific risks and disclosures related to both this offering type and the Company. 

  • Any valuation at this stage is difficult to assess: Unlike listed companies that are valued publicly through market-driven stock prices, the valuation of private companies, especially startups, is difficult to assess and you may risk overpaying for your investment. In addition, there may be additional classes of equity with rights that are superior to the class of equity being sold.

  • We are dependent on general economic conditions: Potential customers may be less willing to invest in innovation and technological improvements in an economic downturn. This may temporarily reduce our market size.

  • Our management may not be able to control costs in an effective or timely manner: The Company’s management anticipates it can use reasonable efforts to assess, predict and control costs and expenses. However, implementing our business plan may require more employees, capital equipment, supplies or other expenditure items than management has predicted.

  • Our future growth depends on our ability to develop and retain customers: Our future growth depends to a large extent on our ability to effectively anticipate and adapt to customer requirements and offer services that meet customer demands. If we are unable to attract customers and/or retain customers, our business, results of operations and financial condition may be materially adversely affected.

  • Our ability to succeed depends on how successful we will be in our fundraising efforts: We rely on investment funds in order to use resources to build the necessary tech and business infrastructure to be successful in the long-term. Current and future competitors may be able to draw on substantially greater financial resources than those available to the Company to develop products that are easier to commercialize or become more popular with the potential consumers of our products.

  • The Company likely will not pay dividends for the foreseeable future: Unless otherwise specified in the offering documents and subject to state law, you are not entitled to receive any dividends on your interest in the Company. Accordingly, any potential investor who anticipates the need for current dividends or income from an investment should not purchase Securities in the Offering.

  • You may only receive limited ongoing disclosure: While the Company must disclose certain information, since the Company is at an early stage, it is only able to provide limited information about its business plan and operations because it does not have fully developed operations or a long history. The Company may also only be obligated to file information periodically regarding its business, including financial statements. A publicly listed company, in contrast, is required to file annual and quarterly reports and promptly disclose certain events — through continuing disclosure that you can use to evaluate the status of your investment.

  • The Company may never receive a future equity financing or undergo a liquidity event such as a sale of the Company or an initial public offering (IPO): If a liquidity event does not occur, such as a sale of the Company or an IPO, the purchasers could be left holding Company securities in perpetuity. The Company’s securities have numerous transfer restrictions and will likely be highly illiquid, with potentially no secondary market on which to sell them. The securities have only a minority of voting rights and do not provide the ability to direct the Company or its actions. Future fundraising may affect the rights of investors: The Company is raising funds to finance its expansion plans, and may raise additional funds in the future, either through offerings of securities or borrowing from banks or other lending sources. The terms of future capital raises or loan agreements may include covenants that give security holders or creditors greater control over the Company’s ability to raise additional funds and use of its assets.

  • Any investment in this Company is speculative, illiquid, and involves a high degree of risk, including the potential loss of your entire investment.

  • Be sure to understand the risks of this type of investment. No regulatory body (not the SEC, not any state regulator) has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials or information posted herein. That’s typical for Regulation D offerings like this one.

  • Neither Netcapital Securities nor any of its directors, officers, employees, representatives, affiliates, or agents shall have any liability whatsoever arising from any error or incompleteness of fact or opinion in, or lack of care in the preparation or publication of, the materials and communication herein or the terms or valuation of any securities offering.

  • The information contained herein includes forward-looking statements. These statements relate to future events or to future financial performance, and involve known and unknown risks, uncertainties, and other factors, that may cause actual results to be materially different from any future results, levels of activity, performance, or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements since they involve known and unknown risks, uncertainties, and other factors, which are, in some cases, beyond the company’s control and which could, and likely will, materially affect actual results, levels of activity, performance, or achievements. Any forward-looking statement reflects the current views with respect to future events and is subject to these and other risks, uncertainties, and assumptions relating to operations, results of operations, growth strategy, and liquidity. No obligation exists to publicly update or revise these forward-looking statements for any reason, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements, even if new information becomes available in the future

  • This offering page is for informational purposes only and does not constitute investment, financial, tax, or legal advice. You should consult with your financial advisor or legal counsel before making any investment decision.

  • Investing in securities involves significant risk, including the risk of loss of principal. Please review the detailed risk factors in our offering documents before making an investment decision.

  • This communication does not constitute an offer to sell or a solicitation of an offer to buy any securities in any jurisdiction where such an offer or solicitation would be unlawful.

  • The securities offered in this offering have not been approved or disapproved by the U.S. Securities and Exchange Commission (SEC) or any state securities regulator.

  • The securities offered are available only to qualified investors, in compliance with applicable laws and regulations under Regulation D.

  • Investors are solely responsible for conducting their own research, reviewing the terms of the offering, and determining the suitability of the investment.

  • Past performance is not indicative of future results. Historical financial performance and returns should not be used to predict future outcomes.

  • Securities offered under Reg D are highly illiquid, meaning they may not have a readily available market for resale. An investor could be unable to liquidate their position unless an active market develops​.

  • The issuer has engaged Netcapital Securities, a broker-dealer registered with the SEC and member of FINRA, to assist with the distribution of securities in connection with this offering. However, the broker-dealer is not recommending, endorsing, or making any judgment about the merits of the securities or the offering. Additionally, the broker-dealer was not involved in the structuring of this offering.

  • The role of the broker-dealer is limited to facilitating the distribution of securities and providing transactional services as required by applicable laws and regulatory guidelines. Investors should independently review all offering materials and perform their own due diligence before making an investment decision. The broker-dealer does not provide financial, tax, or legal advice related to this offering or the securities being offered.

  • All funds are held in escrow until the specified conditions of disbursement are met. These conditions must be fulfilled before funds are released. The escrow agent is responsible for ensuring these conditions are satisfied in accordance with applicable laws and the terms of the escrow agreement. Investors should be aware that until the conditions are met, their investment funds will remain securely held in escrow, and no disbursement will occur. This mechanism is intended to protect investor funds and ensure compliance with regulatory and contractual obligations. 


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