<PAGE>   1

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

                                                                    EXHIBIT 10.2

                           ADFORCE SERVICES AGREEMENT

   This AdForce Services Agreement ("Agreement") is entered into between
AdForce, Inc., a Delaware corporation with offices at 10590 North Tantau Avenue,
Cupertino, CA 95014 ("AdForce") and the customer further described in the
signature block below ("Customer").

   AdForce offers an Internet advertising management and delivery service known
as "AdForce for Publishers" (the "AdForce Service"), which enables each user of
the AdForce Service to manage its advertising on its Web site, a network of Web
sites, or similar on-line environments. AdForce provides each user of the
AdForce Service with a "client-side" software application ("Client") to enable
the user to place ad tags, schedule advertising and generate reports concerning
such advertising. AdForce maintains server complexes from which AdForce
electronically delivers advertising scheduled by Customer to the online
environments containing AdForce ad tags.

   AdForce has agreed to provide the AdForce Service to Customer pursuant to the
terms and conditions of this Agreement. The parties hereby agree as follows:

1. ADFORCE SERVICE. In exchange for the fees set forth in Exhibit A, AdForce
   agrees to provide Customer the level of AdForce Service indicated in the
   table below for the period also indicated in below:

<TABLE>
<CAPTION>
             LEVEL OF SERVICE                            TERM
<S>                                           <C>
      [INITIALS] [X]   AdForce Gold           [INITIALS] [X] 2 Year Term
      ---------                               ---------
      (Initial)                               (Initial)
</TABLE>

Each level of AdForce Service provides the following: (a) a monthly report of
the number of "Impressions" (defined as the response to a request for an
advertisement made via an AdForce ad tag placed by Customer) delivered by
AdForce, including verification of each report by a third-party auditor (the
Audit Bureau of Verification Services, Inc. or another third party chosen by
AdForce); (b) the targeting features further described in Exhibit B; and (c) a
suite of standard reports also listed in Exhibit B. At AdForce's sole
discretion, features may be added to the AdForce Service and may be subject to
additional fees.

2. CUSTOMER SUPPORT. The AdForce Service levels include the customer support
   described in Exhibit A.

3. CUSTOMER OBLIGATIONS. Customer agrees to implement the ad tags as described
   in the AdForce User Guide and help documentation made available to Customer
   by AdForce. Customer also agrees to schedule all advertising for Customer's
   Web sites or other on-line properties using the AdForce Client. Should the
   average file size of Customer's advertisements exceed 15 kilobytes, as
   determined by AdForce on a monthly basis, Customer agrees to pay the
   incremental fee listed in Exhibit A to compensate for higher bandwidth costs.
   Customer agrees to provide AdForce rolling 90-day volume forecasts of
   Impressions to be delivered using the AdForce Service, updated at the
   beginning of each calendar month.

4. LICENSE/LIMITATIONS ON USE. Subject to the terms and conditions of this
   Agreement, AdForce hereby grants to Customer, contingent on timely payment of
   monies due to AdForce, a non-exclusive, non-transferable license for the term
   of this Agreement to use the Client internally and solely in connection with
   the AdForce Service. AdForce shall have the sole and exclusive ownership of
   all right, title and interest in and to the Client, any enhancements thereto
   and in any materials and data provided to Customer by AdForce. Customer shall
   not copy, modify, alter, sell, distribute or sublicense the Client or reverse
   assemble, reverse compile or otherwise attempt by any other method to create
   or derive the source programs of the Client, nor authorize or contract with
   third parties to do the same. Customer shall not use the Client or the
   AdForce Service for any purpose other than managing Customer's advertising on
   its own Web sites, including without limitation, providing outsourcing
   services, timesharing or the operation of a service bureau for the benefit of
   third parties. During the course of delivering advertising to visitors to
   Customer's site, AdForce will collect and maintain information necessary to
   target advertising, including but not limited to the user's IP address,
   cookie, browser type and operating system, as well as the time, date and ad
   tag of the request. Although AdForce owns the right to use or grant use of
   this information, it will provide Customer, to the extent allowed by law,
   with the ability to run the reports described in Exhibit A.

                                     Page 1
<PAGE>   2

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

5. CONFIDENTIALITY. The Confidentiality Addendum attached hereto as Exhibit C is
   incorporated herein by reference. Any customer passwords to the AdForce
   Service, including the AdForce user guides, Client, and AdForce "help"
   documentation, whether on-line or in printed form, are confidential to
   AdForce. Any account information input into the AdForce Service by Customer
   is confidential to Customer.

6. WARRANTY. Customer warrants that Customer is free to enter into this
   Agreement and that this Agreement constitutes the valid and binding
   obligation of Customer, enforceable in accordance with its terms. AdForce
   warrants that AdForce is free to enter into and perform this Agreement and,
   except for events beyond AdForce's control, including but not limited to
   Internet access outages and other events of force majeure, (a) the AdForce
   Service will materially conform to the functionality described in the AdForce
   User Guide; (b) AdForce either owns or has the right to use all hardware and
   software components of the AdForce Service and the provision of the AdForce
   Service will not infringe on any intellectual property right of any third
   party. EXCEPT AS SPECIFIED IN THIS SECTION, ADFORCE HEREBY DISCLAIMS ALL
   WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY AND ALL
   WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-
   INFRINGEMENT, IN CONNECTION WITH THIS AGREEMENT.

7. INDEMNIFICATION. (a) Subject to subsection (b), Customer shall defend,
   indemnify and hold harmless AdForce from any claims, liability, damages and
   costs (including reasonable costs and attorneys' fees, "Claims") arising out
   of or relating to advertising placed by Customer using the AdForce Service,
   including, without limitation, claims based on the failure of the AdForce
   Service or the Client or allegations of libel, allegations of false or
   misleading advertising, invasion of privacy or rights of publicity; provided
   that: (i) AdForce promptly notifies Customer of such claims; (ii) Customer
   has sole control of the defense and settlement of such claims and is not
   responsible for any settlement that it does not approve in writing; and (iii)
   AdForce renders all assistance required, at Customer's expense. (b) AdForce
   shall defend, indemnify and hold harmless Customer from any Claims for
   infringement arising out of or relating to Customer's use of the Client
   pursuant to this Agreement; provided that: (i) Customer promptly notifies
   AdForce of such claims; (ii) AdForce has sole control of the defense and
   settlement of such claims and is not responsible for any settlement that it
   does not approve in writing; and (iii) Customer renders all assistance
   required, at AdForce's expense. If AdForce believes that an injunction may be
   entered against Customer's use of the Client, AdForce may, at its option, (A)
   obtain a license permitting such use, (B) modify the Client to avoid the
   infringement, or (C) if it cannot reasonably do either of the foregoing,
   terminate Customer's license to the Client. NOTWITHSTANDING ANY PROVISION OF
   THIS AGREEMENT TO THE CONTRARY, ADFORCE'S INDEMNIFICATION OBLIGATIONS UNDER
   THIS SECTION CONSTITUTE CUSTOMER'S SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO
   INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF ANY KIND.

8. LIABILITY. NEITHER PARTY WILL BE LIABLE FOR CONSEQUENTIAL, INCIDENTAL,
   SPECIAL OR EXEMPLARY DAMAGES, WHETHER BASED ON BREACH OF CONTRACT, TORT,
   PRODUCT LIABILITY OR OTHERWISE, EVEN IF SUCH PARTY HAS BEEN WARNED OF THE
   POSSIBILITY OF SUCH DAMAGES.

9. TERMINATION. Either party may terminate the Agreement if the other party
   fails to perform any of its obligations in any material respect, and such
   failure continues for a period of thirty (30) days after receipt by the
   breaching party of written notice from the non-breaching party specifying
   such default. Either party may terminate this Agreement in the event that the
   other party ceases to do business, undergoes a bankruptcy or insolvency
   proceeding, or an assignment for the benefit of creditors. Upon the
   expiration or termination of the Agreement for any reason, the parties will
   return all confidential information of the other party in their possession.
   One year (1 year) following the effective date of this Agreement, and for a
   period of thirty (30) days thereafter, either party may terminate this
   Agreement for any reason or no reason, by giving thirty (30) days written
   notice to the other. All accrued payment obligations of Customer shall
   survive expiration or termination of the Agreement, as shall the parties'
   rights and obligations under Sections 4 through 9. Sections 11 through 13,
   and Exhibit C.

10. ASSIGNMENT. This Agreement is not assignable or transferable by either party
   without the prior written consent of the other party, except that a party may
   assign the Agreement (a) by operation of law or (b) to any entity acquiring
   substantially all of assignor's assets.

                                     Page 2
<PAGE>   3

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

11. PAYMENT TERMS. Customer shall pay to AdForce the dollar amounts determined
   from the pricing schedule set forth in Exhibit A, within 30 days from date of
   invoice. All payments to AdForce shall be remitted in U. S. Dollars. Fees for
   the AdForce Service are subject to change upon any renewal of this Agreement.

12. TERM AND LEVEL OF SERVICE. The term shall commence on the Effective Date
   indicated below and shall continue for the period indicated in Section 1. The
   term shall automatically renew for the same period of time as the initial
   term unless, within 30 days of the end of any term, either party notifies the
   other of its decision to terminate this agreement.

13. GENERAL. This Agreement is the complete and exclusive statement of the
   mutual understanding of the parties and supersedes and cancels all previous
   written and oral agreements and communications relating to the subject matter
   of this Agreement. No failure or delay in exercising any right hereunder will
   operate as a waiver thereof, nor will any partial exercise of any right or
   power hereunder preclude further exercise. Any waivers or amendments shall be
   effective only if made in writing. If any provision of this Agreement shall
   be adjudged by any court of competent jurisdiction to be unenforceable or
   invalid, that provision shall be limited or eliminated to the minimum extent
   necessary so that this Agreement shall otherwise remain in full force and
   effect and enforceable. This Agreement shall be governed by the law of the
   State of California without regard to or application of choice of law rules
   or principles. The prevailing party in any action to enforce this Agreement
   will be entitled to recover its attorneys' fees and costs in connection with
   such action. Each party agrees to comply with all applicable laws, rules and
   regulations in connection with its activities under this Agreement. Nothing
   contained herein shall be construed as establishing a partnership, joint
   venture, employment or other business relationship between the parties hereto
   other than that of independent contractors. This Agreement may be executed in
   counterparts.

IN WITNESS WHEREOF, the parties have executed this Agreement as of:
      7/1     ("Effective Date").
--------------

Customer                               AdForce, Inc.

Company Name: FreeRealTime.com         By:         /s/ [SIGNATURE ILLEGIBLE]
                                                  ------------------------------


Address:      3333 Michelson Dr.,      Print Name:    [SIGNATURE ILLEGIBLE]
              Ste 430                             ------------------------------
              Irvine CA 92612
Telephone #: (949)833-2959
Facsimile #: (949)833-7665             Title:      Sales Bus. Mgr.
                                                  ------------------------------


By:         /s/ BRAD G. GUNN
           ----------------------

Print Name:     BRAD G. GUNN
           ----------------------

Title:       PRESIDENT & CO-CEO
           ----------------------

                                     Page 3
<PAGE>   4

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

                      EXHIBIT A--ADFORCE SERVICE PACKAGES

<TABLE>
<CAPTION>
                                  ADFORCE GOLD
<S>                             <C>
Campaign Management             Scheduling
features                        Delivery
                                Reporting
                                Inventory Forecast
                                Targeting
Auditing                        Free monthly aggregate
                                audit; $600 per campaign
                                audit
Customer Support                24 hour support by phone
                                or pager

Same Day Change Orders          $100 each

Campaign Service                Customer's traffic
                                department schedules
                                campaigns
</TABLE>


<TABLE>
<CAPTION>
RATES PER THOUSAND IMPRESSIONS
<S>                                          <C>
CPM for 468x60 banners                       .28
CPM for 88x31 and 88x62 buttons              .18
CPM for redirects to AdSmart                 .07
CPM for non-AdSmart redirects                .16
</TABLE>


NOTE: FIRST 2 MONTHS WILL BE BILLED AT A 50% DISCOUNT.
- Monthly minimum billing of $10,000.
- Custom reports can be designed for an extra charge.
- On-site training is available on request for $1,200 per day, per trainer, plus
  reasonable travel expenses
NOTE: ADFORCE WILL PROVIDE 2 DAYS OF ON-SITE TRAINING AND CONSULTING AT NO COST.
- A surcharge of $0.05 per thousand Impressions will be applied for each
  5 kilobytes, or fraction thereof, that the average size of advertisements over
  a 30-day period exceeds 15 kilobytes.

                                     Page 4
<PAGE>   5

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

                                   EXHIBIT B

ADFORCE TARGETING

The AdForce Service include targeting on the following parameters, when AdForce
databases allow the parameter to be resolved:

<TABLE>
<S>      <C>
- BROWSER TYPE - Different campaigns can be delivered to visitors with different browsers.
- OPERATING SYSTEM - Different campaigns can be delivered to visitors with different operating systems
- DOMAIN TYPE - Different campaigns can be delivered to visitors from different domains (i.e. .com or .edu)
- SERVICE PROVIDER - Different campaigns can be delivered to visitors with different Internet service providers.
- TELEPHONE AREA CODE - Different campaigns can be delivered to visitors in different area codes.
- SIC CODE - Different campaigns can be delivered to visitors working for companies with different SIC codes.
- COUNTRY - Different campaigns can be delivered to visitors from different countries.
- FREQUENCY - An advertisement can be shown no more than a specified number of times to each visitor.
- SEQUENCE - A series of advertisements can be shown in sequence to a visitor.
- KEYWORDS - Advertisements can be targeted on the basis of a word or phrase typed by a visitor.
- SITE DATA - Ads can be targeted on the basis of data in a site's database (i.e. with registered users)
- DAY/DATE/TIME OF DAY - Ads can be scheduled to run during specific times and on specific days.
- CONTENT AREA - Ads can be targeted to a specific area of a site.
</TABLE>

There may be additional charges for additional targeting parameters added in the
future such as demographic or behavior targeting, as well as for customization
of the targeting algorithms for keywords and site data.

ADFORCE REPORTING

The following reports are currently available in the AdForce Service:

<TABLE>
<CAPTION>
NETWORK REPORTS                  WEBSITE REPORTS                  ADVERTISER REPORTS
----------------------------------------------------------------------------------------------
<S>                              <C>                              <C>
Daily Campaign Details           Activity by Advertiser           Campaign On-line Summary
Daily Campaign Summary           Activity by Area Code            Summary by Area Code
Monthly Billing Report           Activity by Browser              Summary by Banner
Summary by Advertiser            Activity by Content Unit         Summary by Browser
Summary by Area Code             Activity by Country              Summary by Category
Summary by Browser               Activity by Date                 Summary by Country
Summary by Category              Activity by Domain               Summary by Date
Summary by Country               Activity by Keyword              Summary by Domain
Summary by Date                  Activity by Hour                 Summary by Hour
Summary by Domain                Activity by Operating System     Summary by Operating System
Summary by Hour                  Activity by Pay Type             Summary by Service Provider
Summary by Operating System      Activity by Service Provider     Summary by SIC Code
Summary by Payment Type          Activity by SIC Code             Summary by Website
Summary by Service Provider      Website Revenue                  Campaign Summary
Summary by SIC Code                                               Monthly Billing Report
Summary by Website
Website Revenue
</TABLE>


There will be additional charges for reports customized or designed to
Customer's specifications. There may also be additional charges for reports
added in the future.

                                     Page 5
<PAGE>   6

ADFORCE(TM) SERVICES AGREEMENT                            AdForce for Publishers
--------------------------------------------------------------------------------

                                    EXHIBIT C

                            CONFIDENTIALITY ADDENDUM

This Confidentiality Addendum ("Addendum") is attached to that certain Services
Agreement between Customer and AdForce, Inc. (the "Services Agreement")

   1. Confidential Information. For purposes herein, the party disclosing
Confidential Information (as defined below) in any given instance is referred to
as the "Disclosing Party," and the party receiving the information in such
instance is referred to as the "Recipient." "Confidential Information" includes
all information, data and know-how disclosed by Disclosing Party to Recipient
hereunder, whether in written form or embodied in tangible materials (including,
without limitation, software, hardware, drafts, drawings, graphs, charts,
spreadsheets, disks, tapes. prototypes, samples, letters, notes, memoranda or
presentations), which is clearly marked or labeled "CONFIDENTIAL" or with a
similar legend, or which if disclosed orally or not so marked, is of such a type
or nature that a reasonable person would conclude that such information is
confidential.

   2. Confidentiality Obligations. Recipient agrees that it will preserve in
strict confidence and secure against accidental loss any Confidential
Information disclosed by Disclosing Party to Recipient, and will otherwise
comply with the terms of this Addendum, for a period of three (3) years from
disclosure of such Confidential Information by Disclosing Party. In preserving
Disclosing Party Confidential Information, Recipient will use the same standard
of care it would use to secure and safeguard its own confidential information of
similar importance, but in no event less than reasonable care. Any permitted
reproduction of Disclosing Party's Confidential Information shall contain all
confidential or proprietary legends that appear on the original. Recipient shall
immediately notify Disclosing Party in the event of any loss or unauthorized
disclosure of Confidential Information.

   3. Permitted Disclosures. Recipient shall permit access to Disclosing Party
Confidential Information solely to its employees who (i) have a need to know
such information and (ii) have signed confidentiality agreements containing
terms at least as restrictive as those contained herein. Recipient shall not
disclose Confidential Information to any affiliate, parent or subsidiary of
Recipient, or disclose or transfer any Confidential Information to third
parties, without the specific prior written approval of Disclosing Party.
Recipient shall use Disclosing Party Confidential Information disclosed
hereunder solely for the purposes set forth in the Services Agreement and for
such other purposes as Disclosing Party shall specifically approve in writing.

   4. Obligation to Return Confidential Information. Recipient acknowledges that
Disclosing Party retains ownership of all Confidential Information disclosed or
made available to Recipient. Accordingly, upon any termination, cancellation or
expiration of the Services Agreement, or upon Disclosing Party's request for any
reason, Recipient shall return promptly to Disclosing Party the originals and
all copies (without retention of any copy) of any written documents, tools,
materials or other tangible items containing or embodying Confidential
Information.

   5. No Representations or Warranties. Disclosing Party makes no warranties,
whether express, statutory or implied, relating to the sufficiency or accuracy
of the Confidential Information disclosed for any purpose, nor regarding
infringement of others' intellectual property rights which may arise from the
use of such Confidential Information.

   6. Exclusions. This Addendum shall not apply to information with respect to
which Recipient can affirmatively establish that (a) Recipient rightfully
possessed such information prior to its first receipt thereof from Disclosing
Party, as shown by files of Recipient in existence at the time of the
disclosure; (b) such information is publicly known or, through no wrongful act
or failure to act by Recipient, becomes publicly known; (c) the information is
hereafter furnished to Recipient by a third party who is not in breach of an
obligation of confidentiality; (d) employees or other agents of Recipient who
have not been exposed to the Confidential Information independently developed
such information without reference to or reliance upon Disclosing Party's
confidential information; or (e) Recipient is required by governmental or court
order to disclose such information, provided that Recipient shall provide
Disclosing Party advance notice thereof to enable Disclosing Party the
opportunity to prevent or control such disclosure.

   7. No Grant of Property Rights. Recipient recognizes and agrees that nothing
contained in this Addendum shall be construed as granting any property rights,
by license or otherwise, to any Disclosing Party Confidential Information
disclosed pursuant to the Services Agreement or this Addendum, or to any
invention or any patent right that has issued or that may issue based on such
Confidential Information.

   8. Remedies; Survival. Recipient acknowledges that improper disclosure, or
threatened disclosure, of Disclosing Party Confidential Information will cause
irreparable harm to Disclosing Party, and thus that Disclosing Party shall be
entitled to, among other forms of relief, injunctive relief to prevent any such
unauthorized disclosure. Recipient's obligations under this Agreement shall
survive termination of its association with Disclosing Party regardless of the
manner of such termination and shall be binding upon Recipient's heirs,
successors and assigns.

                                     Page 6
<PAGE>   7
                                    EXHIBIT D

                               PERFORMANCE METRICS

The performance metrics for the various subsystems of the AdForce Service are
described below. "Uptime" is defined as 24x7 operation for each subsystem
listed, minus the maintenance periods described. AdForce's standard practices
provide for the following scheduled maintenance for the following subsystems:

<TABLE>
<CAPTION>
  SYSTEM                          SCHEDULED MAINTENANCE
  ------                          ---------------------
<S>                               <C>
  Ad delivery (defined as ads     2 hours scheduled maintenance in the aggregate
  delivered from an AdForce       per calendar month
  data center)
  Reporting                       Reporting is generally available 24 hours per
                                  day, subject to monthly maintenance of 8 hours
                                  per month for rebuilding summary tables, etc.
                                  Data for a given 24-hour Pacific Standard Time
                                  calendar day will be available by 2:00 p.m.
                                  (PST) the following day.
  Campaign Management System      3 hours scheduled maintenance per day,
  (including inventory            3:00 a.m.-6:00 a.m. (PST) daily. No campaign
  management system)              scheduling is available during this time.
                                  Additional monthly maintenance of 8 hours for
                                  upgrades, etc.
</TABLE>

Exclusive of the maintenance periods described above, AdForce's required uptime
percentages are as follows:

A. Ad Delivery Uptime: 99.5%, measured each calendar month.
B. Reporting Uptime: 98.5%.
C. Campaign Management System Uptime: 98%.

AdForce will provide Customer a "make good" on any ads which did not serve as a
result of any downtime in excess of the required availability metric equal to
the number of ads not served due to such failure.