Abstract: A system and method for presenting advertisements online to a user involves an interface that interacts with a user to develop a user profile. Specifically, the user profile, which is jointly created by the user and the interface, will include a plurality of personalized indicators that pertain to an identifiable behavior, or behaviors, of the user. A customer profile is also created by the interface, with a product/service provider (i.e. advertiser), that includes product/service presentations directed to predetermined customer demographics. The interface then weighs the product/service presentations in the customer profile according to a relative pertinence of indicators in the user profile, and matches a customer profile with a user profile to select a pertinent advertisement. The pertinent advertisement is then personalized and presented on a web site for exclusive viewing by the user.