Providing temporary use of on-line non-downloadable software for financial technology services sold through affiliate marketing business model; Providing temporary use of on-line non-downloadable software for financial technology software programs for consumers and small business owners; Providing temporary use of on-line non-downloadable software for white label and cobranded financial technology software program for credit reporting and other fintech solutions.; Providing temporary use of on-line non-downloadable software for building personal and business credit through credit counseling and technology, applying for personal loans, applying for business funding, applying for personal and business debt relief, accessing business services, tax preparation and accessing financial education and financial workshops