Abstract: A telecommunications terminal apparatus and a terminal-stored information updating system and method is disclosed for automatically distributing terminal-stored information and changes made in terminal-stored information among subscribing user's telecommunications terminals. Each telecommunications terminal apparatus includes a memory unit sufficient for storing information, pertaining to at least the subscribing user and one or more other telecommunications terminal apparatus users, such as: concise personal information, detailed personal information, a list of other parties that exchange information with the user, and key information indicative of a level of security or accessibility of information stored therein. Each telecommunications terminal belongs to a group of users handled by a telecommunications subscriber system. More than one subscriber system may be provided to handle multiple groups of users.