Abstract: A user interest and/or characteristic may be determined when permission to access personal information associated with a user account stored in a database operated by a third party, such as a social media network or service, is received. Accessed personal information may be evaluated using different criteria and a concept graph relating a plurality of words and concepts to one another, and an interest and/or characteristic of the user may then be determined based on the evaluation. Accessed personal information may also be evaluated using different criteria, including proprietary algorithms, probabilistic distributions, and a generated concept graph, to determine a price recommendation for a given offer for the user, or the price sensitivity of the user generally. A user's response to personalized offerings and/or terms based upon this evaluation may then be used to determine more refined interests, characteristics, and/or pricing terms in an iterative process.