Individualised system for exchanging data between a terminal and access means via a telephone network and terminal and access means

Terminals having analog/digital telephone functions as well as data exchange functions are used by users who are of lower skilled level than the average user of a personal computer. Therefore, such a system comprising such a terminal should have a user-dependent behaviour, which can be realised by providing an access provider and/or a server provider with processing means for configuring data destined for said terminal in a user-dependent way. Then the data to be exchanged can be individualised, which increases the user friendlyness.