1. A method of displaying advertisements, comprising the steps of: placing a predictive model and a group of collected advertisements on a computer or other electronic device of a user, wherein the predictive model is created without using any demographic or psychographic profile information of the user; executing the predictive model on the computer or other electronic device of the user to determine the type of user; and selecting an advertisement to be displayed to the user based upon the execution of the predictive model; wherein information about the type of user determined by the predictive model is stored on the computer or other electronic device of the user and is not communicated over a network.