42 Platform as a Service (PaaS) services featuring software for use in transforming, ontologically-organizing, aligning and aggregating first and third party data sets to enable client applications to optimize business performance or discover and/or mitigate risk in the fields of retail, advertising, marketing, hotels, restaurants, transportation, utilities, first responder services, military and law enforcement applications, financial services and Internet of Things (IoT); Software as a Service (SaaS) services featuring software for use in transforming, ontologically-organizing, aligning and aggregating first and third party data sets to enable client applications to optimize business performance or discover and/or mitigate risk in the fields of retail, advertising, marketing, hotels, restaurants, transportation, utilities, first responder services, military and law enforcement applications, financial services and Internet of Things (IoT)