Providing temporary use of online, non-downloadable software for enabling the electronic transfer of money between users; providing temporary use of online, non-downloadable software for enabling processing of electronic funds transfers and payments made via ACH (automated clearing house), credit card, debit card, electronic check and electronic, mobile and online payments; providing temporary use of on-line non-downloadable computer software for businesses, namely, software for use in enabling, facilitating, operating, and managing customer appointment and relations; Providing temporary use of on-line non-downloadable software that enables employers to organize information in hiring new employees, managing health benefit selections, terminating employees, and in providing other human resource related services, namely, allowing employers to track time off, process payroll, upload company documents and policies, send company documents and policies to employees, obtain employee acknowledgment of documents and policies, access training, applicant tracking, and performance management tools, run payroll and employment reports, and allowing employees to view pay, track time, view and request time off, enroll in benefits, view and acknowledge company policies, and update personal information