Providing temporary use of online non-downloadable computer software and web applications for use by employers working with employees, vendors, and taxing agencies to provide employee- and personnel-related services, namely, payroll processing, preparation and administration, human resources administration, lending solutions, API-based employer-employee data exchange solutions, employee benefits management, insurance services, employee time tracking, retirement planning, and digital employer and employee maintenance engagement; software as a service (SaaS) services featuring software, accessed via the internet, for payroll processing, preparation and administration, human resources administration, lending solutions, API-based employer-employee data exchange solutions, employee benefits management, insurance services, employee time tracking, retirement planning, and digital employer and employee maintenance engagement