Abstract: Web-based marketing of goods and services having incentive features, referral process, and tracking the earned incentives includes a software running on a central computer, which, upon initialization of a referral activity by a current client, presents to the client templates formatted in compliance with rules and regulations of industry. Once a template is accepted by the current client, the software e-mails the template to a prospective purchaser, whose name and e-mail address is submitted by the current client. Once the prospective purchaser has made a purchase, the software tracks the earned incentive to the referring current client and credits his/her account.