Zaio Corporation (Zaio) is a Canada-based company, engaged in developing a secure database. Zaio owns and develops a secure database for residential housing appraisal research of metropolitan areas throughout the United States, completed by appraisers utilizing Zaio’s tools and processes. Zaio’s research is combined with property information and comparable sales history of residential property in metropolitan areas. Zaio’s GeoScore technology and associated processes allow not only for appraisal practice, but also allow appraisers to update the valuation of the target home every single month. Zaio’s appraiser backed database has a range of customer markets, including mortgage loan origination and banking, property tax assessment, real estate investment, foreclosures, real estate owned (REO) properties, mortgage backed securities valuation, housing indices, fraud detection and forensic accounting.