Abstract: A system and method for using user declared combined with demographic and meta data to create a detailed user profile that reflects current purchase intentions. This enables serving in real-time targeted advertisements to a user at a user terminal including a desktop PC, tablet or internet connected mobile device. Because the user profile is immediately available in real-time to the website operator and its ad server, the system and method provide for instantaneous and accurate targeting of web advertising to users which has a higher response rate than advertisements selected and delivered relying on just demographic data and/or online behavior which may be obtained from tracking cookies set on the user's computer or other connected device.