Abstract: A communication creation system for generating a communication using a remote terminal can include at least one memory including computer program instructions and at least one processor and may be interactively accessed by one or more client-users through the terminal. The system may receive client-user specified data insertion instructions from the remote terminal. The data insertion instructions may comprise client-user specified data and instructions for insertion of third-party data. Third-party data may be automatically requested and received from a third-party technology service provider using an adaptive engine implemented by the processor, the memory and the computer program instructions. The system may process the data insertion instructions in accordance with the least one client-user generated rule/instruction, insert the client-user specified data into a first specified zone of a template for the communication and insert the third-party data into a second specified zone of the template.

Abstract: A client-user implemented document and communication creation system for generating a communication using a remote terminal remote from the system, can include at least one memory including computer program instructions and at least one processor that may be accessed remotely by the terminal. The at least one memory and the computer program instructions can further be configured to, with the at least one processor, cause the system at least to receive client-user specified data insertion instructions comprising client-user specified data from the remote terminal to the processor. The at least one memory and the computer program instructions can additionally be configured to, with the at least one processor, cause the system at least to process the transmitted client-user specified data insertion instructions in accordance with one or more client-user generated rule/instruction of the at least one client-user generated rule/instruction.