A vehicle warning system is responsive to vehicle speed and position as determined by GPS or other location based system information to alert a vehicle operator of potentially unsafe conditions when either exceeding the speed limit on a given road segment or when approaching coordinates of a designated location alert point. The system comprises a portable device, a simple device personalization process using a single physical data communications interface to a local computing device connected to the Internet, and a remote server with a segmented database that provides access to common data services, positional data updates, and device personalization functionality.