A terminal for displaying, retrieving, inputting and processing data for the user comprises a central unit, a storage unit connected to the processor of the central unit, a storage unit, elements for communicating with a connection network with access/service provider, a connection interface with a peripheral, a display screen, a keyboard and electrical power. The terminal further comprises a storage unit with confidential access for personal data of a user, elements for identifying an authorised user and encryption/decryption elements. The identification elements are insertible in reading elements and comprise a processor, identification data storing elements, data encrypting/decrypting key generating elements.