An online direct marketing and advertising system is presented in which advertisers have an opportunity to send targeted promotions, coupons and offers that are placed in a user's web-based email account without the drawbacks of sending conventional email. The promotions do not take up disk quota space and, at the same time, the system does not need to divulge private user information to the advertiser. This system provides a means to free web-based email providers from the need to obtain opt-in permission to send offers to their users as providers are frequently prohibited from sharing the user's email address and personal information with merchants.