File Transfer is for shipping files from one host to another. Remote terminal access is for logging-on to a remote host. The World Wide Web allows you to find, view, and acquire files that are located on other hosts. Netscape and Microsoft Explorer are the two biggies. Most of these files, known as pages, are in HTML format.
Browsers also provide services like ftp, telnet, and email, and use the appropriate protocols.
Humans do not interact with this application, but the other applications do. At home I use MediaOne. ISP's sell connections to the internet, usually by the month. These networks can be connected to the Internet, of course. A private nonprofit organization that publishes recommendations about the architecture of the internet, like formats and protocols.