Financial services, namely, debt management, debt settlement negotiation, debt consolidation, and debt resolution; financial advisory services related to consumer debt, credit improvement, personal finance, and wealth building; personal and mortgage lending services; loan origination, financing, refinancing, and providing home equity lines of credit (HELOCs); providing personal loans and lines of credit; providing information and education in the field of financial wellness and budgeting; providing online platforms, including software as a service (SaaS), featuring tools for financial planning, loan management, and payment automation; investment advisory and management services; retirement planning; banking-as-a-service (BaaS); licensing of financial software platforms; providing digital access to consumer financial products and services