Techniques for using advertising to fund the use of client-side or network-side data access services by a user of a personal electronic device are discussed. Digital advertising content is associated with data items accessible via a particular data access service at a variety of processing locations, using a variety of techniques. An account having an account balance is used to record exchanges of consideration between the user and the data access service. When the user uses the personal electronic device to access data items via the data access service, the account balance is adjusted to reflect a consideration provided by the data access service. When the user consumes digital advertising content, the account balance is adjusted to reflect consideration provided by the user. In this manner, the account serves as a medium for the advertising source to fund the use of the data access service.