Software-as-a-Service (SAAS) services, namely, hosting software for use by others for risk modeling and decisioning, namely, security, data privacy, compliance, and Environmental-Social-Governance (ESG) risk valuation done on-demand, real-time, or scheduled basis providing traceable and quantified risk values for - risk exposure, Annual-Loss-Expectancy (ALE), remediation planning of risk to business operations, brand and other business risk, using artificial intelligence and machine learning