1. A method comprising: determining, by a computing device having a computer processor and computer-readable code stored on a computer-readable medium and executable by the computer processor, personal characteristic information of a user; wherein the determining of the personal characteristic information of the user is based on a monitoring of a plurality of web sites visited by the user; selecting, by the computing device, a user access profile level for the user among a plurality of available user access profile levels in accordance with the personal characteristic information; selecting, by the computing device, an application in accordance with the user access profile level; notifying the user of an availability of the application; receiving a request from the user to access the application with a first application interface; receiving an access profile level modification request from the user; assessing a functional ability of the user to utilize the application through the first application interface using a functional ability assessment subsystem; altering the user access profile level for the user in accordance with: the receiving of the access profile level modification request, and the functional ability of the user to utilize the application through the first application interface; selecting a replacement application interface to the application in accordance with the altered user access profile level; and presenting the replacement application interface to the user.