A system of managing personal information for a plurality of users (21, 22, 23), each user having a mobile phone (41, 42, 43) operating on a mobile phone network, the system comprising: at least one first software module operating on at least one server; and a second software module operating independently on at least a plurality of the mobile phones (41, 42, 43) wherein the second software module is configured to operate on a mobile phone of a user to: receive personal information from the first software module through the Internet and through the mobile phone network, and store the personal information on the mobile phone of the user, wherein, for at least a plurality of the users (21, 22, 23), the second software module contains instructions to allow the user (21, 22, 23) to select at least a portion of the personal information that is stored on the mobile phone (41, 42, 43), select or enter an identifier of at least one of a third party (31, 32, 33) and a third party mobile phone, and elect to send the at least a portion of the personal information to the third party mobile phone wherein, for at least a plurality of the users (21, 22, 23), the first software module further contains instructions to evaluate whether the third party mobile phone contains a copy of the second software module, and if the third party mobile phone (31, 32, 33) contains a copy of the second software module, then to send the at least a portion of the personal information to the copy of the second software module on the third party mobile phone (31, 32, 33) through the mobile phone network. at least one first software module operating on at least one server; and a second software module operating independently on at least a plurality of the mobile phones (41, 42, 43) wherein the second software module is configured to operate on a mobile phone of a user to: receive personal information from the first software module through the Internet and through the mobile phone network, and store the personal information on the mobile phone of the user, wherein, for at least a plurality of the users (21, 22, 23), the second software module contains instructions to allow the user (21, 22, 23) to select at least a portion of the personal information that is stored on the mobile phone (41, 42, 43), select or enter an identifier of at least one of a third party (31, 32, 33) and a third party mobile phone, and elect to send the at least a portion of the personal information to the third party mobile phone wherein, for at least a plurality of the users (21, 22, 23), the first software module further contains instructions to evaluate whether the third party mobile phone contains a copy of the second software module, and if the third party mobile phone (31, 32, 33) contains a copy of the second software module, then to send the at least a portion of the personal information to the copy of the second software module on the third party mobile phone (31, 32, 33) through the mobile phone network. receive personal information from the first software module through the Internet and through the mobile phone network, and store the personal information on the mobile phone of the user, wherein, for at least a plurality of the users (21, 22, 23), the second software module contains instructions to allow the user (21, 22, 23) to select at least a portion of the personal information that is stored on the mobile phone (41, 42, 43), select or enter an identifier of at least one of a third party (31, 32, 33) and a third party mobile phone, and elect to send the at least a portion of the personal information to the third party mobile phone wherein, for at least a plurality of the users (21, 22, 23), the first software module further contains instructions to evaluate whether the third party mobile phone contains a copy of the second software module, and if the third party mobile phone (31, 32, 33) contains a copy of the second software module, then to send the at least a portion of the personal information to the copy of the second software module on the third party mobile phone (31, 32, 33) through the mobile phone network.