Revolutionise your timeline to financial independence
We only live once...
Topia is the only app to set, manage and monitor your timeline to financial freedom. Empowering you to master your money and create a fulfilled life on your terms
Coming Q4 2020
Ready to join the waiting list?
What would you do if you didn't need to work?
Topia is reinventing the timeline of life. Whether you want to retire early, travel the world, start a business, or just spend more time with your family. Financial Independence is closer than you think.
Calculate net worth
Connect your current accounts, ISAs, savings account and investments to get a complete overview of your net worth
Track savings rate
Monitor the amount of your income that you save or invest to keep on top of your financial independence goals
Monitor your FI date
See how your net worth and planned savings and investments growth can earn your financial freedom
Rethink what is expected of your time
Who decided you should retire at 67? Why should someone else map out the timeline of your life? How much of your time do you lose in the Monday to Friday nine to five grind? Time is your most valuable asset. Freedom is the absolute ability to spend your time doing what you love. Financial independence is the key to revolutionising the timeline of your life and unlock freedom.
If you're ready to start your journey to financial independence, register for early access to Topia.
© Topia. All rights reserved.
Topia is a trading name of Axis Investing Limited. Axis is a registered company in England and Wales (Companies House, no. 12093945)
Thank you, we'll be in touch with updates and news about the Topia app launch soon
Terms and Conditions
Topia is a trading name of Axis Investing Limited. The Service is provided by Axis Investing Limited, a company registered in England and Wales (Companies House, no. 12093945) , registered at 56 st. stephen’s garden, London, W2 5NJ (“we”, “us”, “our”).
If there’s anything you don’t understand, please get in touch with us by:
Emailing us at firstname.lastname@example.org
Our agreement with you
The Agreement sets out all the conditions on which we will provide our Service to you and applies to you whether you are visiting the web site or have registered to be a user of the features. If you intend to become a user (“User”) you must accept these terms as part of the registration process. This Agreement should be read carefully.
If you are reading this Agreement for the first time, we suggest you print or save a copy.
A overview of the service
Topia operates under an agency agreement with Plaid while we undergo the FCA Account Information Service Provider (AISP) application process.
This read only Service enables you to see all your online banking accounts into one place, and analyses your account information to help you monitor, track and analyse your net worth in relation to your progress to financial independence (“the Service”).
The Service is an aid to you in organising, managing, and identifying opportunities related to your finances. We are not authorised to provide advice under the Financial Services and Markets Act 2000. If you require such advice please seek advice from an authorised adviser.
You warrant that you are at least 18 years old and a resident of the UK to use the Service.
Your use of the service
Your right to access and use the Service is personal to you and is not transferable by you to any other person or entity. You agree to provide us with information which is accurate, and not to misrepresent your identity or your user information. You are only entitled to access and use the service for lawful purposes.
For the purposes of this Agreement and solely to provide account aggregation to you as part of the Service, you grant us a limited power of attorney to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You acknowledge and agree that when we access and retrieve account information from third party sites, we act as your agent, not as the agent of, or on behalf of, the third party whose site we are accessing. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.
What we ask you not to do
You agree that you will not:
1. Use any robot, spider, scraper, deep link or other similar automated data-gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Service or any portion of it without our express written consent, which may be withheld at our sole discretion;
2. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Service, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Edge, Chrome, Firefox and Safari);
3. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Service; or
4. Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service.
Third party partners
The Service may provide website links and hosted functionality from by third parties. The use of third-party products or services is governed by the terms and conditions of the relevant supplier. The content and operations of third-party products and services is outside of our control, and we cannot accept responsibility or liability for the products and services provided to you by these third parties.
Notifications and alerts
All required notices will be sent electronically to the e-mail address that you provide. Notifications will be sent to you if there is a material change to the Service, its Terms, or Policies.
The Service includes alerts on your account activity. We may add new alerts from time to time, or cease to provide certain alerts at any time at our discretion. Alerts will be sent to the email address you have provided as your primary email address. You may also choose to have alerts sent to a mobile device. Alerts will include information about your accounts, such as your net worth, daily educational content, progress to your next milestones or your savings rate. Anyone with access to your email, or your mobile device, that is associated with the Service may be able to view the content of these alerts.
Your user information
Please let us know if any of your user details change (including any Personal data), particularly your email address. If you do not do this, we will not be able to deliver any alerts or notifications to you, and your ability to access the service may be compromised if your details cannot be verified at the account provider.
You agree and understand that you are responsible for maintaining the confidentiality of your username which, together with your password and or biometric ID (Face ID or fingerprint), allows you to access the Service. If you become aware of any unauthorised use of your user information, you agree to notify us immediately at email@example.com
If you wish to complain about any of the services provided by Topia, please email us at firstname.lastname@example.org
If your complaint is about how we store or process your personal information, you can also contact the Information Commissioner's Office, although we’d appreciate the chance to deal with your concern first.
Your Indemnification of Us
You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to solicitors fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.
Availability of service and alert disclaimer
Your access to and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that we, in our sole discretion, may elect to take.
You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. We will use reasonable endeavours to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
Our intellectual property rights
The contents of our website at www.topia.life (“the Website”), including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under copyright, trademark and other laws. The content of the Website and all intellectual property rights in the Service belong to or are validly licensed to us. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on the Service for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content, apart from the educational content, from the Service in whole or in part for any other purpose is expressly prohibited without our prior written consent.
Disclaimer of representations and warranties
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICE OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SERVICE. WE MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT OF THE SERVICE, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
Limitation of our liabilities
TO THE EXTENT PERMITTED BY LAW, WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, DELICT OR TORT (INCLUDING NEGLIGENCE) OR OTHERWISE FOR: -
1. LOSS OF INCOME OR REVENUE;
2. LOSS OF BUSINESS;
3. LOSS OF PROFITS OR CONTRACTS;
4. LOSS OF ANTICIPATED SAVINGS;
5. LOSS OF DATA;
6. LOSS OF GOODWILL; OR
7. SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGE
ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE SERVICE, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ).
Ending the agreement
We may at any time, terminate our agreement with you:
1. if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
2. if we in our sole discretion believe we are required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful);
3. or immediately upon notice, to the e-mail address provided by you as part of your user information.
Modifications to the agreement
We may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on our site. The Agreement will always state the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.
Governing law and forum for disputes
This Agreement, and your relationship with us under this Agreement, shall be governed by the laws of England without regard to its conflict or choice of laws provisions. Any dispute with us, or our officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the English courts, except with respect to imminent harm requiring a temporary or preliminary interdict or injunction in which case we may seek this in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, we are able to offer the Service on the terms stated in this Agreement, without charge to you, and that your consent to this provision is an indispensable consideration under this Agreement.
Other important matters
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be deleted from this Agreement.
If we do not exercise or enforce any legal right or remedy which is contained in the Agreement (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to us.
All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.
This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same, and supersedes all other previous agreements
Topia and associated logos are registered trademarks.
Last updated: 23rd June 2020
At Topia, we take your privacy very seriously and will always go above and beyond to ensure your data and information is protected at all times. We use best in class practices to keep your data safe and are committed to GDPR compliance meaning your data is protected by EU law.
You can get as much detail as you want in the documents linked below
Our privacy documents
View our Privacy Notice here (last updated Aug 2020)
View our External Data Processors (last updated Aug 2020)
Our Privacy Notice explains and describes:
1. Who we are.
2. How we collect your personal data.
3. Legal basis for usage of your personal data.
4. How we use the personal data we collect.
5. How and when we may disclose personal data that we collect.
6. How long we hold your personal data.
7. How we protect your personal data and keep it secure.
8. What happens when you access third-party services and content.
9. Your legal choices and rights.
10. The status of this Privacy Notice and any changes that are made to it.
11. How to request further information plus our contact details.
The Financial Conduct Authority (FCA) is the UK financial services conduct regulator. The FCA regulates, amongst other types of firms, payments service providers that operate within the open banking industry.
To find out more click here.
Plaid Financial Ltd (Plaid) is our open banking integration partner. They focus on democratizing financial services through technology, providing leading-edge open bankings services enabling consumers to effortlessly connect and monitor multiple bank accounts in one place.
Plaid was chosen as Topia’s integration partner due to their stellar reputation, professionalism and high emphasis on data security. Plaid is at the forefront of the open banking industry and is a trusted partner in Topia’s journey to revolutionise how our users track and monitor their progress to Financial Independence.
To find out more about Plaid click here
Plaid Financial Ltd. is an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Registration Number: 804718) for the provision of payment services.
To read more about Plaid’s regulatory status click here
Open banking plays an important role in Topia, allowing our users to track and monitor their net worth in real-time without having to manually input their financial data. Furthermore, open banking enables our users to quickly and easily track their savings rate.
At Topia, our user’s security and privacy always comes first. Topia provides you with regulated account information services as an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Registration Number: 804718) for the provision of payment services.