Downloadable software in the nature of a mobile application for securing data on users' devices; Downloadable software in the nature of a mobile application for providing enhanced security for users' accounts; Downloadable software in the nature of a mobile application for securing online accounts on users' devices with two-factor authentication; Downloadable software in the nature of a mobile application for securing online accounts on users' devices by generating a unique time-based one-time password (TOTP) for each login; Downloadable software in the nature of a mobile application for providing reliable protection against unauthorized access, hacking, phishing attacks, and other security threats