HAPPY SAVINGS

Downloadable software for connecting borrowers with lenders; Downloadable software for managing credit card debt; Downloadable software for generating customized credit scores; Downloadable software for financial planning; Downloadable software for credit counseling and financial recommendations; Downloadable software namely, an electronic financial platform for financial planning and managing credit card debt using a smart phone, an integrated mobile phone, a personal digital assistant, or a web-based environment

Providing an online non-downloadable financial technology platform to consumers, namely for, connecting borrowers with lenders, managing credit card debt, generating customized credit scores, credit counseling, financial recommendations, and financial planning