A communication system with client devices in communication with at least one communication network. User data stores are also in communication with the communications network and store user data of users using respective ones of the client devices. Offer data stores also in communication with the communications network store offers from merchants. A narrowcasting engine includes an active data gathering module to collect the user data, and an active learning module to generate a user profile based on the user data. The communication engine selects dynamically offers from the offer data store based on the profile, and communicates the selected offers in the offer data store to the users.