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Platform as a service (PAAS) featuring computer software platforms for delivering predictive analytics and business intelligence data derived from individuals and corporate users; Software as a service (SAAS) featuring computer software for delivering predictive analytics and business intelligence data derived from individuals and corporate users; Software as a service (SAAS) featuring computer software for artificial intelligence (AI), machine learning, deep learning, statistical learning and data mining to enable contextual prediction, personalization, predictive analytics, predictive modeling, sales and marketing, and business intelligence services