42 Providing temporary use of non-downloadable software for accessing an automated tool that helps to facilitate and process product returns, exchanges and refunds using artificial intelligence and machine learning; Software as a service (SAAS) services featuring software for accessing an automated tool that helps with processing electronic payments, authorizing financial transactions, managing and tracking electronic payment information and facilitating e-commerce services for others, namely, for allowing users to perform electronic business transactions via a global computer network using artificial intelligence and machine learning; Software as a service (SAAS) featuring software for accessing an automated tool for tracking, monitoring, and analyzing return analytics, user behavior, and customer satisfaction; application service provider featuring application programming interface (API) software using artificial intelligence and machine learning; Platform as a service (PAAS) featuring software for accessing an automated tool for accepting and processing product returns, exchanges and refunds using artificial intelligence and machine learning; providing temporary use of online, non-downloadable financial software platforms for accessing a tool for facilitating financial transactions to enable a customer to purchase, return, or exchange goods using artificial intelligence and machine learning; Software as a service (SAAS) services featuring software for accessing a tool for tracking and managing ongoing personal subscriptions, membership accounts, and service accounts using artificial intelligence and machine learning; Providing temporary use of non-downloadable software for accessing an automated tool that helps to facilitate and process warranty claims using artificial intelligence and machine learning; Providing temporary use of non-downloadable software for accessing an automated tool that helps to facilitate product recalls using artificial intelligence and machine learning; Providing temporary use of non-downloadable software for accessing an automated tool that helps to facilitate and process rebates using artificial intelligence and machine learning