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How applying for patent affects my business

I am working on software patent application and planning to start the business after submitting the application. What happens if my application is rejected. Now my idea is in the open. Considering if ...
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What happens if I develop a software and provide it as an online service and someone else patents it?

Suppose that I am providing a SaaS on the web. What happens if someone (after working with my service and getting familiar with it), develops the software (and ideas used in it) and patents it?