VIRTUAL FINANCIAL COACH

Providing online advice in the field of financial counseling, namely, offering personalized advice via chat or text-based conversation on a computer, smart phone or other mobile device in the fields of consumer credit worthiness, money management, debt reduction, budgeting and foreclosure prevention

Educational services, namely, providing personal online tutorial and instructional sessions in the field of financial counseling via chat or text-based conversation between the financial counselor and the user on a computer, smart phone or other mobile device in the fields of consumer credit worthiness, money management, debt reduction, budgeting and foreclosure prevention

Providing temporary use of online, non-downloadable computer software for use in the field of financial counseling, namely, for offering and receiving personalized advice via chat or text-based conversation on a computer, smart phone or other mobile device in the fields of consumer credit worthiness, money management, debt reduction, budgeting and foreclosure prevention