9 Apparatus and instruments for recording, transmitting, reproducing or processing sound, images or data; recorded and downloadable digital media devices featuring insurance, financial, and technology information, recorded and downloadable computer software for providing insurance, financial, and technology information; blank digital or analogue recording and storage media, namely, blank recordable CD-Rs and DVD-Rs and blank digital storage media; computers and computer peripheral devices; computer hardware and downloadable and recorded software for providing insurance, financial, and technology information; downloadable and recorded computer programs for providing insurance, financial, and technology information; downloadable and recorded software applications for providing insurance, financial, and technology information; Downloadable mobile applications for providing insurance, financial, and technology information; downloadable application for mobile phones, tablet computers and computers that enable users to access an online digital platform via which accounts are opened and interactive insurance and financial services, and financial tools and resources are provided; data processing apparatus; downloadable computer application software for mobile phones, tablets, handheld computers and digital electronic devices for providing insurance, financial, and technology information; electronic publications, namely, newsletters and magazines featuring insurance, financial, and technology information recorded on computer media; downloadable audio files and video recordings in the nature of insurance, financial, and technology information featuring music, text, visual works; mobile telephone accessories, namely, belt clips, headsets for mobile telephones, battery chargers for mobile phones and stands adapted for mobile phones; data collection devices, namely, computer hardware; recorded computer software for data collection, analysis, storage and sharing; recorded computer software for searching, accessing, browsing, locating, compiling, indexing, correlating, navigating, obtaining, downloading, receiving, encoding, decoding, playing, storing and/or organizing text, data, images, graphics, audio and video on a global computer network; recorded computer software for the redirection of data from a data store on or associated with personal computer or server; recorded computer software for creating, authoring, distributing, downloading, transmitting, receiving, playing, editing, extracting, encoding, decoding, displaying, storing and organizing text, graphics, images, audio, video and multimedia content and electronic publications; recorded data synchronization software; recorded computer software for formatting and converting content, text, visual works, audio works, audiovisual works, literary works, data, files, documents and electronic works into a format compatible with portable electronic devices and computers; recorded computer software enabling content, text, visual works, audio works, audiovisual works, literary works, data, files, documents and electronic works to be downloaded to and accessed on a computer or other portable consumer electronic device, downloadable software in the nature of a mobile application for computers or other portable consumer electronic device for providing insurance, financial, and technology information; Downloadable web browser software for mobile communications devices; Downloadable and recorded computer software enabling content, text, visual works, audio works, audiovisual works, literary works, data, files, documents and electronic works to be downloaded to and accessed on a computer or other portable consumer electronic device; Downloadable and recorded computer software for transmitting, sharing, receiving, downloading, streaming, displaying and transferring content, text, visual works, audio works, audiovisual works, literary works, data, files, documents and electronic works via portable electronic devices and computers and global computer and communications networks; Downloadable and recorded computer software for online messaging and communication; wireless communication devices for data transmission; apparatus and devices for reading and processing data stored, namely, data processors; apparatus and instruments for monitoring data communication networks, namely, computers for network management and VPN (virtual private network) and WAN (wide area network) hardware; apparatus for verifying data, namely data processing apparatus; computer hardware and downloadable and recorded software for database management; Downloadable and recorded computer program relating to finance, investment, business information and insurance for the transmission of data, messages and images by electronic devices; Downloadable and recorded computer program relating to warranty for the transmission of data, messages and images by electronic devices; Downloadable and recorded computer programs for accessing, browsing, and searching online databases; data communication hubs; Downloadable and recorded data mining software; data security apparatus, namely, wireless digital electronic apparatus to secure and protect data and images on all forms of wireless equipment including mobile telecommunications equipment using an automatic synchronization process and alarm notification of the loss or theft of the wireless equipment including mobile telecommunications equipment; Downloadable and recorded electronic data processing software; Downloadable electronic publications in the nature of newsletters and magazines featuring insurance, financial, and technology information provided on-line from database or a global computer network; Downloadable and recorded computer programs for use in providing and managing insurance services, products and insurance brokerage; Downloadable and recorded computer software for use in connection with fraud management and protection; Downloadable and recorded software for data analysis, which uses machine learning and artificial intelligence systems; artificial intelligence apparatus, namely, humanoid robots with artificial intelligence; electronic payment terminals; mobile phones, smart phones, digital electronic devices in the nature of computers, laptops, tablets, namely, PC tablets and computer tablets, headsets for use with computers, hands-free headsets for cell phones and headsets for remote communication, and their replacement parts and accessories, namely, mobile phone cases, battery chargers for use with mobile phones; biometric identification and authentication apparatus; electronic biometric apparatus and instruments, namely, biometric scanners, identification apparatus, identity cards and fingerprint padlocks; access control systems for biometric identification and authentication; cryptographic apparatus and equipment, namely, encoding and decoding apparatus and instruments; Downloadable and recorded computer software in the field of cryptographic network security and data security functions; Downloadable and recorded computer software for biometric systems for the identification and authentication of persons