Techniques for use in processing user data associated with a user account of a mobile device having an application is described. The mobile device includes a memory and an interface configured to receive a removable memory card. A encryption/decryption key is stored in the memory, but is not stored in the removable memory card. The mobile device regularly receives and stores updates to the user data in the memory for use in the application. For updates to the user data, the mobile device updates a copy of the user data stored in the removable memory card in an encrypted format in accordance with the encryption/decryption key.