-- https://fundersclub.com/site/faq/
Refer looks like the beginning of a kickback scheme a la Morgan Stanley stock tech analysts circa 1994.
Furthermore, it is true that you are only targeting "accredited investors" for now. Two things should be noted. Firstly, accredited investors aren't necessarily smart investors. Earning $200K a year or having a networth of $1 million is a fairly common thing and is unconnected to financial literacy and startup valuation (see actors/doctors/lawyers/baby boomers investing in startups).
Secondly, are you honestly telling me that you are just going to stick with soliciting accredited investors if the legal obligations you are presently under were to be lifted?
Please.
A side point. A lot of people think that making startups an investment option for all is a good thing. I'm fairly certain that's a stupid idea, for the simple fact that if VCs, whose full time job it is to solely invest in startups, suck at investing in startups, what chance do normal investors with other jobs have exactly? A lot of people thought that online trading was an amazingly good idea during the late 90s (it sure was for eTrade), but the individual returns of sole traders illustrate that this was not the case, and in fact most investors would've been better off holding a diversified low-fee index fund.
Not all "disruption" is good disruption.
To the downvoters, may your ignorance go forth and multiply.