FINDependenCE

Your Path to Financial Freedom Starts Here

Plan smarter with custom financial goals, track your assets and liabilities, and build an investment plan using tried-and-true strategies. Stay on top of it all with AI insights and easy multi-currency support - no stress, just progress.

Start with small step

From Vision to Reality

Turn your goals into reality—Plan ahead, stay organized, invest wisely, track your progress, and adapt as you grow. Start taking action today!

Create financial plan

Set up a plan tailored to your goals, including target savings and monthly withdrawals

Organize your assets

Group your assets into “portfolios” and set target allocations for your entire portfolio - keep everything clear and manageable.

Track your liabilities

Group your debts into categories, set payoff goals, and keep tabs on your repayment progress - stay organized and in control every step of the way.

Track and Improve

Use the dashboard to monitor your progress and see how close you are to achieving financial independence.

Stick to Your Strategy

Stay consistent and disciplined

Whether it’s DCA, EDCA, VA, or your own strategy, the app helps you stay consistent and disciplined to hit your financial goals.

AI to analyze your portfolio

Get AI-powered insights and personalized investment tips based on your age, preferences, and financial goals.

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Dashboard Insights

Easily visualize and compare your current asset allocation against your target portfolio to track progress and make informed investment decisions.

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Smart Reminders

Receive smart reminders to stay on top of your savings and investments, ensuring nothing falls through the cracks.

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© FINdependence 2024. All rights reserved.

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At Master Your Money app, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard the data you provide to us through our mobile application, in compliance with the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
Information We Collect
We collect personal information that you provide directly to us. This may include:
Personal Information: This may include your name, email address, phone number, and any other personally identifiable information you provide when registering for an account or using certain features of the App.
Financial Data: This may include your bank account information, investment account information, transaction history, types of investments, and other financial data you provide to connect your financial accounts to the App or use features that require access to your financial information.
Preferences and investment style: we may ask about your investment preferences and investment style, your risk tolerance, time horizon, financial needs, investment objectives and experiences.
Usage Data: We may collect information about how you use the App, such as the features you access, the pages you visit, and the time you spend on the App. This data may be collected automatically through the use of cookies and other tracking technologies.
Device Information: We may collect information about your device, such as your device type, operating system, unique device identifier, and IP address.
Information We may Collect From You Automatically
Online Identifiers: operating system, browser name and version, and/or personal IP addresses.
Device Information: type of device, device ID, Universally Unique Identifier, advertising identifiers (“IDFA” or “AdID”), operating system and version, wireless carrier, and network type.
Analytics tools: We may use third-party analytics tools and services (for example Google Analytics, and others), and use the information to evaluate use of the FINdependence app.
How We Use Your Information
We use the app data we collect for the following purposes:
To provide, operate the App and improve our services: We use your information to process transactions, and deliver personalized services within our App including suggestions and recommendations about trade, personal budgeting, saving money techniques, or other financial products
To communicate with you: We may send you important updates, notifications, and promotional offers related to our services.
To comply with legal and regulatory requirements.
To enhance security to protect your financial data
To improve our services: We use your information to process transactions and deliver personalized experiencesData Protection
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. We implement a variety of security measures to maintain the safety of your personal information.Data Retention
We will retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.Data Sharing and Disclosure
To keep our app running smoothly, we share some of your information with trusted partners who help us operate the app. These partners are required by contract to keep your information confidential and secure. To help us improve our financial services and understand overall user trends, we may share anonymized or combined user data with trusted financial institutions. This data will never be used to identify you personally. Your information will be shared with these institutions in accordance with their privacy policies. Your financial data will never be sold or shared for marketing purposes without your explicit permission. In certain situations, we may be required by law to share your information. This could be in response to a court order or a government request. If our company undergoes a major change, like a merger or acquisition, your information may be transferred to the new owner. We'll always strive to notify you in advance and ensure your information is protected.Your Rights
If you are located in the European Economic Area (EEA), you have certain rights under the General Data Protection Regulation (GDPR) regarding your personal information:
Right to Access: You have the right to request a copy of the personal information we hold about you. This includes information such as your name, email address, and any financial data you have provided.
Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.
Right to Erasure (Right to be Forgotten): You have the right to request that we delete your personal information, subject to certain exceptions. This may not apply if the data is necessary to fulfill a legal obligation or for the exercise or defense of legal claims.Right to Restrict Processing: You have the right to restrict the processing of your personal information. This means you can limit the way we use your data, such as for marketing purposes.
Right to Data Portability: You have the right to request to receive your personal information in a structured, commonly used, and machine-readable format. You can also request that we transmit this data to another controller if feasible.
Right to Object: You can object to the processing of your personal information for marketing purposes or based on legitimate interests.
If you are a resident of California, you also have certain rights under the California Consumer Privacy Act (CCPA) regarding your personal information.
The right to know: You have the right to request disclosure of the categories and specific pieces of personal information we collect, use, and disclose about you.
The right to deletion: You have the right to request that we delete your personal information, subject to certain exceptions.
The right to opt-out of sale of personal information: We do not sell your personal information as defined by the CCPA. However, we do use some third-party service providers that may qualify as "service providers" under the CCPA. These service providers may use your information for their own business purposes, which may be considered a "sale" under the CCPA. You can still exercise your right to opt-out of this by following the instructions below.
How to Exercise Your GDPR / CCPA Rights
You can exercise your rights described above by submitting a request through one of the following methods:By email: [email protected]
By visiting this page on our website: https://findependence.app/privacypolicy/We will verify your request and respond within 45 days of receipt. We may request additional information for verification purposes.Security
Your information security is important to us. We use industry-standard security practices like encryption and access controls to safeguard your data from unauthorized access, disclosure, alteration, or destruction. It's important to know that even with these measures, no online system is 100% secure. We are constantly working to improve our security and keep your information protected.Changes to This Policy
We strive to be transparent about our data practices. This Privacy Policy may be updated from time to time to reflect changes in our app, user feedback, or legal requirements. We encourage you to review this policy periodically for any updates.Children's Privacy
This app is designed for users 16 and older. We don't knowingly collect information from anyone younger than that. If you're a parent or guardian and believe your child has given us personal information, please let us know. We'll take steps to remove that information from our systems.Contact Us
If you have any questions about this Privacy Policy, please contact us at [email protected]By using FINdependence App, you consent to our Privacy Policy. This Privacy Policy explains how we handle your information. If you have concerns, please review it carefully. We value your privacy and choice. If you don't agree to this policy, you can choose not to use our app. We may update this policy, and by continuing to use the app after those changes are posted, you agree to the updates.

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END USER LICENSE AGREEMENT
Last updated July 15, 2024Master Your Money is licensed to You (End-User) by Master Your Money Smart, located and registered at Sloneczna, Bielany Wrocławskie, __________ 55-040, Poland (“Licensor“), for use only under the terms of this License Agreement.
By downloading the Licensed Application from Apple’s software distribution platform (“App Store”), and any update thereto (as permitted by this License Agreement), You indicate that You agree to be bound by all of the terms and conditions of this License Agreement, and that You accept this License Agreement. App Store is referred to in this License Agreement as “Services.”
The parties of this License Agreement acknowledge that the Services are not a Party to this License Agreement and are not bound by any provisions or obligations with regard to the Licensed Application, such as warranty, liability, maintenance and support thereof. Master Your Money Smart, not the Services, is solely responsible for the Licensed Application and the content thereof.
This License Agreement may not provide for usage rules for the Licensed Application that are in conflict with the latest Apple Media Services Terms and Conditions (“Usage Rules“). Master Your Money Smart acknowledges that it had the opportunity to review the Usage Rules and this License Agreement is not conflicting with them.
Master Your Money when purchased or downloaded through the Services, is licensed to You for use only under the terms of this License Agreement. The Licensor reserves all rights not expressly granted to You. Master Your Money is to be used on devices that operate with Apple’s operating systems (“iOS” and “Mac OS”).TABLE OF CONTENTS
1. THE APPLICATION2. SCOPE OF LICENSE3. TECHNICAL REQUIREMENTS4. MAINTENANCE AND SUPPORT5. USE OF DATA6. USER-GENERATED CONTRIBUTIONS7. CONTRIBUTION LICENSE8. LIABILITY9. WARRANTY10. PRODUCT CLAIMS11. LEGAL COMPLIANCE12. CONTACT INFORMATION13. TERMINATION14. THIRD-PARTY TERMS OF AGREEMENTS AND BENEFICIARY15. INTELLECTUAL PROPERTY RIGHTS16. APPLICABLE LAW17. MISCELLANEOUS1. THE APPLICATION
Master Your Money (“Licensed Application“) is a piece of software created to Financial management app designed to bring all your financial and non-financial assets together in one place — and customized for iOS mobile devices (“Devices“). It is used to Monitor and manage your assets in various wallets
Visualize and compare your current asset allocation against your target portfolio.
View detailed investment summaries, including the amount invested in different assets and their percentage share of your overall portfolio.
Leverage AI to analyze your portfolio structure,
Track your wallet’s value and current gains or losses.
The Licensed Application is not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use this Licensed Application. You may not use the Licensed Application in a way that would violate the Gramm-Leach-Bliley Act (GLBA).2. SCOPE OF LICENSE
2.1 You are given a non-transferable, non-exclusive, non-sublicensable license to install and use the Licensed Application on any Devices that You (End-User) own or control and as permitted by the Usage Rules, with the exception that such Licensed Application may be accessed and used by other accounts associated with You (End-User, The Purchaser) via Family Sharing or volume purchasing.
2.2 This license will also govern any updates of the Licensed Application provided by Licensor that replace, repair, and/or supplement the first Licensed Application, unless a separate license is provided for such update, in which case the terms of that new license will govern.
2.3 You may not share or make the Licensed Application available to third parties (unless to the degree allowed by the Usage Rules, and with Master Your Money Smart‘s prior written consent), sell, rent, lend, lease or otherwise redistribute the Licensed Application.
2.4 You may not reverse engineer, translate, disassemble, integrate, decompile, remove, modify, combine, create derivative works or updates of, adapt, or attempt to derive the source code of the Licensed Application, or any part thereof (except with Master Your Money Smart‘s prior written consent).2.5 You may not copy (excluding when expressly authorized by this license and the Usage Rules) or alter the Licensed Application or portions thereof. You may create and store copies only on devices that You own or control for backup keeping under the terms of this license, the Usage Rules, and any other terms and conditions that apply to the device or software used. You may not remove any intellectual property notices. You acknowledge that no unauthorized third parties may gain access to these copies at any time. If you sell your Devices to a third party, you must remove the Licensed Application from the Devices before doing so.
2.6 Violations of the obligations mentioned above, as well as the attempt of such infringement, may be subject to prosecution and damages.
2.7 Licensor reserves the right to modify the terms and conditions of licensing.
2.8 Nothing in this license should be interpreted to restrict third-party terms. When using the Licensed Application, You must ensure that You comply with applicable third-party terms and conditions.3. TECHNICAL REQUIREMENTS
3.1 The Licensed Application requires a firmware version IOS 14 or higher. Licensor recommends using the latest version of the firmware.
3.2 Licensor attempts to keep the Licensed Application updated so that it complies with modified/new versions of the firmware and new hardware. You are not granted rights to claim such an update.
3.3 You acknowledge that it is Your responsibility to confirm and determine that the app end-user device on which You intend to use the Licensed Application satisfies the technical specifications mentioned above.
3.4 Licensor reserves the right to modify the technical specifications as it sees appropriate at any time.4. MAINTENANCE AND SUPPORT
4.1 The Licensor is solely responsible for providing any maintenance and support services for this Licensed Application. You can reach the Licensor at the email address listed in the App Store Overview for this Licensed Application.
4.2 Master Your Money Smart and the End-User acknowledge that the Services have no obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application.5. USE OF DATA
You acknowledge that Licensor will be able to access and adjust Your downloaded Licensed Application content and Your personal information, and that Licensor’s use of such material and information is subject to Your legal agreements with Licensor and Licensor’s privacy policy: https://masteryourmoneysmart.com/privacypolicy-mym/.
You acknowledge that the Licensor may periodically collect and use technical data and related information about your device, system, and application software, and peripherals, offer product support, facilitate the software updates, and for purposes of providing other services to you (if any) related to the Licensed Application. Licensor may also use this information to improve its products or to provide services or technologies to you, as long as it is in a form that does not personally identify you.6. USER-GENERATED CONTRIBUTIONS
The Licensed Application may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or in the Licensed Application, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, “Contributions”). Contributions may be viewable by other users of the Licensed Application and through third-party websites or applications. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:
1. The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.2. You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Licensed Application, and other users of the Licensed Application to use your Contributions in any manner contemplated by the Licensed Application and this License Agreement.3. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness or each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Licensed Application and this License Agreement.4. Your Contributions are not false, inaccurate, or misleading.5. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.6. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).7. Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.8. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.9. Your Contributions do not violate any applicable law, regulation, or rule.10. Your Contributions do not violate the privacy or publicity rights of any third party.11. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.12. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.13. Your Contributions do not otherwise violate, or link to material that violates, any provision of this License Agreement, or any applicable law or regulation.
Any use of the Licensed Application in violation of the foregoing violates this License Agreement and may result in, among other things, termination or suspension of your rights to use the Licensed Application.7. CONTRIBUTION LICENSE
By posting your Contributions to any part of the Licensed Application or making Contributions accessible to the Licensed Application by linking your account from the Licensed Application to any of your social networking accounts, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use copy, reproduce, disclose, sell, resell, publish, broad cast, retitle, archive, store, cache, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial advertising, or otherwise, and to prepare derivative works of, or incorporate in other works, such as Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.
This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.
We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area in the Licensed Application. You are solely responsible for your Contributions to the Licensed Application and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.
We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to recategorize any Contributions to place them in more appropriate locations in the Licensed Application; and (3) to prescreen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.8. LIABILITY
8.1 Licensor’s responsibility in the case of violation of obligations and tort shall be limited to intent and gross negligence. Only in case of a breach of essential contractual duties (cardinal obligations), Licensor shall also be liable in case of slight negligence. In any case, liability shall be limited to the foreseeable, contractually typical damages. The limitation mentioned above does not apply to injuries to life, limb, or health.
8.2 Licensor takes no accountability or responsibility for any damages caused due to a breach of duties according to Section 2 of this License Agreement. To avoid data loss, You are required to make use of backup functions of the Licensed Application to the extent allowed by applicable third-party terms and conditions of use. You are aware that in case of alterations or manipulations of the Licensed Application, You will not have access to the Licensed Application.9. WARRANTY
9.1 Licensor warrants that the Licensed Application is free of spyware, trojan horses, viruses, or any other malware at the time of Your download. Licensor warrants that the Licensed Application works as described in the user documentation.
9.2 No warranty is provided for the Licensed Application that is not executable on the device, that has been unauthorizedly modified, handled inappropriately or culpably, combined or installed with inappropriate hardware or software, used with inappropriate accessories, regardless if by Yourself or by third parties, or if there are any other reasons outside of Master Your Money Smart‘s sphere of influence that affect the executability of the Licensed Application.
9.3 You are required to inspect the Licensed Application immediately after installing it and notify Master Your Money Smart about issues discovered without delay by email provided in Contact Information. The defect report will be taken into consideration and further investigated if it has been emailed within a period of ninety (90) days after discovery.
9.4 If we confirm that the Licensed Application is defective, Master Your Money Smart reserves a choice to remedy the situation either by means of solving the defect or substitute delivery.
9.5 In the event of any failure of the Licensed Application to conform to any applicable warranty, You may notify the Services Store Operator, and Your Licensed Application purchase price will be refunded to You. To the maximum extent permitted by applicable law, the Services Store Operator will have no other warranty obligation whatsoever with respect to the Licensed Application, and any other losses, claims, damages, liabilities, expenses, and costs attributable to any negligence to adhere to any warranty.
9.6 If the user is an entrepreneur, any claim based on faults expires after a statutory period of limitation amounting to twelve (12) months after the Licensed Application was made available to the user. The statutory periods of limitation given by law apply for users who are consumers.
10. PRODUCT CLAIMS
Master Your Money Smart and the End-User acknowledge that Master Your Money Smart, and not the Services, is responsible for addr

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• FINdependence - user guide

• CSV Upload & Validation Guide

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CSV Upload & Validation Guide

Welcome! This guide will walk you through how to correctly prepare and upload your CSV file for asset portfolio and liabilities import using a comma-separated format.

File Upload basic instructions:
1. File Format: Your file must be a CSV (.csv) file.
2. File Name: Use clear naming, such as mytrades.csv.
3. For importing transactions via a Google Sheets link, please ensure the following:
✅ Provide a standard, view-only Google Sheets link (e.g., https://docs.google.com/spreadsheets/d/FILEID/edit?usp=sharing)
✅ Set the sheet’s sharing settings to “Anyone with the link can view”

Asset Portfolio import:
Download the FINdependenceTransactionsImport_template. Your CSV must contain these columns:

AssetClass must be one of:
- Crypto Currency
- Bonds
- Stocks
- ETF (Exchange Traded Fund)
- REIT (Real Estate Investment - Trust)
- Hedge funds
- Investment funds
- OtherDirection must be: Buy or Sell
Currency must be a valid ISO 4217 code, like: USD (US Dollar), EUR (Euro), BTC (Bitcoin), ETH (Ethereum)
Ensure the asset symbol follows the common stock format. Verify at marketstack

Liabilities import:
Download the FINdependenceLiabilitiesImport_template. Your CSV must contain these columns:

🚀 You're All Set!
If your file follows the rules above, it should upload and validate smoothly. If not? Don’t worry — the system will kindly (but firmly) let you know what’s wrong so you can fix it.

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