1. A computer-implemented process for delivering online advertisements to one or more users, comprising: using a computer to perform the following process actions: receiving an authorization to access one or more data streams for a user, wherein the authorization is explicitly granted by the user; upon the user conducting an online action that initiates a dynamic advertisement (DA) request, using the authorized data streams for the user to generate a customized DA that is optimally relevant to the user; and delivering the customized DA to the user.