A method and an apparatus for storing and updating electronic information in a personal profile server for an individual user, and dynamically changing the residence of the electronic information. The electonic information is being transmitted between a computer and a network system. The computer interfaces with a removable non-volatile storage device containing minimum user information on the individual user. The connection is secured between the computer and the network using the minimum user information. Additional user information is transmitted from the personal profile server of the network to the computer. Further, the personal profile server is updated with updates to the additional user information generated on the computer during use.