Software as a service (SAAS) featuring computer software using data analytics, data mining, data processing, and consumer identification and for use in accessing, tracking, monitoring, generating and manipulating consumer preferences, health information, medical information, financial information, benefits information and data; Software as a service (SAAS) services, namely, providing and hosting non-downloadable, software applications for use by businesses to perform consumer relations management, consumer outreach and multi-channel communication campaign management, campaign design, data management and analytics, behavioral assessment, and predictive modeling