Can some programs really access more than 4GB of RAM on a 32-bit system?

Can some programs really access more than 4GB of RAM on a 32-bit system?

I've seen some programs (especially RAM-drive software) that purport to
being able to access the "unavailable RAM" on 32-bit systems. That is,
even though Windows cannot see or access some of the 4GB that is installed
on a 32-bit system, these programs claim that they can.
On my 32-bit system with 4GB, Windows sees only 3.20GB, but so does the
BIOS. It is not a matter of using PAE or the /3G switch, because it's not
a Windows limitation, it is a motherboard limitation. If the chipset and
memory controller can't access beyond that, then I don't see how Windows
or any software can either, even if they access the hardware directly.
I know that using PAE requires using either a Server or 64-bit edition of
Windows (though I don't see how even these versions of Windows can access
what the BIOS cannot). However these programs say nothing about that and
imply (or outright say) that they work for normal users with consumer
versions of Windows.
I've tried a couple of these programs (specifically RAM-drives), but was
not able to have it access the upper memory. Does anybody know if there is
any truth to these programs' claims? Has anybody actually seen it work?
And if so, how exactly do they pull it off?
(I'm not asking about generic programs accessing more than 4GB, I'm asking
specifically about programs that claim they can, particularly in regard to
the RAM amount reported by the BIOS.)