Disclosed are apparatus and methods for facilitating contextual selection of advertisements for displaying online via a computer network. In general, user features in the form of text are provided in conjunction with web page content for contextual advertisement matching. In one embodiment, a request for an advertisement to be displayed in a current web page that has been requested by a current user is received. The current user is associated with one or more current user characteristics from a plurality of different user characteristics, and the current web page has an associated content. A mapping model and the one or more current user characteristics are used to obtain a plurality of user-relevant terms for each of the one or more current user characteristics. A combination of the content of the current web page and obtained user-relevant terms are provided for selecting an advertisement for displaying with the current web page based on such combination.