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Downloadable computer software for use in the field of risk exposure scoring, namely, software for calculating a risk score based on the user's insurance coverage, income and finances and for creating customized insurance suggestions based on a user's lifestyle and budget; downloadable computer software for calculating a risk score based on the user's insurance coverage, income and finances and for creating customized insurance suggestions based on a user's lifestyle and budget for use in the field of scoring risk exposure, creating and implementing personal and business decision processes, risk management, evaluating credit ratings, score computation, score strategy and management

Financial risk and credit scoring services; financial risk and credit risk management services; financial analysis and consultation; providing information in the fields of credit and financial risk rating, namely, modeling, scoring and analytics of financial, insurance and credit risk data

Software as a service (SaaS) services featuring software for calculating a risk score based on the user's insurance coverage, income and finances and for creating customized insurance suggestions based on a user's lifestyle and budget for use in the field of scoring risk exposure; software as a service (SaaS) services featuring software for calculating a risk score based on the user's insurance coverage, income and finances and for creating customized insurance suggestions based on a user's lifestyle and budget for use in the field of scoring risk exposure, creating and implementing personal and business decision processes, risk management, evaluating credit ratings, score computation, score strategy and management; data mining and data warehousing services, namely, using proprietary software to evaluate, analyze and collect data for use in modeling, scoring and analytics, risk management, and credit risk management