SAD SPEND

Financial information and evaluations; Financial services, namely, money lending; Provision of savings accounts; Personal financial management services; financial transaction services, namely, budget planning in the nature of expense transaction tracking; financial planning; financial management; financial analysis; financial management services, namely, tracking of expenses; financial data aggregation, namely, electronically collecting financial data from multiple accounts into a single location for financial review analysis; financial administration and management services for the management of credit and debit cards, loans, and financial accounts; providing information, news, opinions and advice in the fields of banking, financial management, saving and financial planning and retirement financial planning, including via computer and communication networks, the internet, and social media; providing financial information, news, opinion and advice in the fields of personal budgeting and household budgeting, including via computer and communication networks, the internet, and social media; providing financial information, news, opinions and advice in the field of consumer spending, including via computer and communication networks, the internet, and social media; Personal financial management services, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; personal financial management that guides users via artificial intelligence in the form of virtual coaches; Financial planning, namely, the creation of personalized strategies to achieve financial independence; Financial counseling services, namely, helping others build a better working relationship with their money

Software as a service featuring software that enables users to view financial information and evaluations; Software as a service providing online personal lifestyle performance assessments and skill enhancement programs based on principles of emotional intelligence, by means of performance tracking, reward and incentive programs; Software as a service for personal financial management; Software as a service for financial transaction management, financial planning, financial management, bill tracking and management, expense tracking and management, and accounting; Software as a service for forecasting and analysis of financial data; Software as a service for providing financial and bill payment alerts; Software as a service for enabling users to wirelessly view personal financial data and databases; Software as a service for enabling users to retrieve financial account balances and financial transaction information using mobile phones, smart phones, tablets, and mobile telecommunication networks; Software as a service for use in processing electronic payments and transferring funds to and from others; Software as a service for personal financial management, namely, customized management of non-investment personal financial accounts, daily monitoring of transactions and account balances, and budget and spending reporting and analysis through a global computer network; software as a service for personal financial management that guides users via artificial intelligence in the form of virtual coaches; providing online non-downloadable artificial intelligence for financial management of personal loans; software as a service providing personalized strategies to achieve financial independence