Software as a service (SAAS) services featuring software for customer communications management (CCM); Platform as a service (PAAS) featuring integrated products that support customer communications management (CCM) software as a service (SAAS); Providing on-line non-downloadable software for creating, modifying, managing and distributing paper and electronic consumer communications, namely, billing statements, compliance letters, payment confirmations, newsletters, marketing pieces and other business documents; Providing on-line non-downloadable software for creating, changing, reviewing, approving, distributing, tracking and reporting via digital and paper financial invoices and other financial communications; Providing on-line non-downloadable software for reviewing and editing documents, managing secure sign-offs, tracking distribution, generating reports and creating audit trails of electronic communications distribution