Software as a service (SAAS) services featuring software for database management for use in the marketing, advertising, regulatory compliance, cost allocation and payment collection, and customer relationship management (CRM) fields; non-downloadable software to store, manage, track, analyze, and report data in the fields of marketing, promotion, sales, customer information, customer relationship management and regulatory compliance; non-downloadable software to facilitate communicating among peer professionals in the mortgage lender, title company, real estate, and regulatory compliance fields