All data files and applications are maintained on servers in a datacenter. You access them remotely through the internet. You can use a website browser, a remote desktop software client or use a dumb device. They look and behave just like your story were running them on your desktop. Sounds good, however it really gets more competitive. Have you ever asked to see your money refunded finally, before using something the web? Do you do will often? What are existing you've requested for refunds? ...