42 Cloud computing featuring non-downloadable software for use in the provision of platform-as-a-service (PaaS), provision of infrastructure-as-a-service (IaaS), provision of software-as-a-service (SaaS), and functions-as-a-service, featuring software in the field of financial services for use in providing credit scores, quoting loans, managing and processing loans, budgeting, managing money, recording and tracking financial transactions, accessing bank and deposit account, credit card account and other financial account information, performing transactions, payment services, payment processing services, storing, modifying, transmitting, and receiving information and data in the fields of personal finance, banking, and financial planning; computer programming; computer software consultancy; computer software design; computer system analysis; computer system design; computer technology consultancy; conversion of computer programs and data, other than physical conversion; conversion of data or documents from physical to electronic media; development of computer platforms; electronic data storage; electronic monitoring of credit card activity to detect fraud via the internet; electronic monitoring of personally identify information to detect identity theft via the internet; information technology consultancy; providing information relating to computer technology and programming via a web site; monitoring of computer systems by remote access to ensure proper functioning, infrastructure integrity, and security management; monitoring of computer systems for detecting unauthorized access or data breach; monitoring of computer systems to detect breakdowns; off-site data backup; platform as a service (PAAS) featuring computer software platforms for use in database management, user management, client management, financial services, freelancer services, corporate services, and technology provision services; research and development of new products for others; software as a service (SAAS) services, namely hosting software for use by others for use in database management, user management, client management, financial services, freelancer services, corporate services, and technology provision services in the nature of providing credit scores, quoting loans, managing and processing loans, budgeting, managing money, recording and tracking financial transactions, payment services, payment processing services, accessing bank and deposit account, credit card account and other financial account information, performing transactions, storing, modifying, transmitting, and receiving information and data in the fields of personal finance, banking, and financial planning; updating of computer software; user authentication services using single sign-on technology for online software applications; user authentication services using technology for ecommerce transactions