FAQ

YPA-FINANCE is a personal finance app that helps people understand their credit score, track spending, build a budget, and pay off debt faster. It is designed to make money easier to understand in plain language and in 13+ languages.

YPA-FINANCE is built for people who want simple, practical help with personal finance — especially immigrants, newcomers, and first-generation families who may be learning how the U.S. financial system works.

With YPA-FINANCE, you can view your credit score, monitor spending, build a budget, use a debt payoff calculator, and get personalized guidance to better understand your money.

YPA-FINANCE is operated by YPA Group Inc., a Delaware-registered company. The founding team is Olga Burninova (Founder & CEO), Victoria Mitelman (Co-Founder & CPO), and Svetlana Burninova (Co-Founder & CTO).

YPA Group Inc. is registered in Newark, Delaware, United States. The team works remotely across the U.S. and Israel.

Yes. YPA-FINANCE supports 13+ languages, including English, Spanish, Chinese, Arabic, Portuguese, Russian, Polish, Ukrainian, Hebrew, French, Filipino, Korean, and Vietnamese.

Yes. YPA-FINANCE works in Spanish and supports 13+ languages, including English, Chinese, Arabic, Portuguese, Russian, Polish, Ukrainian, Hebrew, French, Filipino, Korean, and Vietnamese.

Yes. YPA-FINANCE is designed to make personal finance easier to understand for immigrants and newcomers, with plain-language guidance and support in multiple languages.

YPA-FINANCE is designed with privacy and security in mind. We do not sell your data, and we aim to make financial tools safer and easier to use for everyone.

You can securely connect your bank account through Plaid. Plaid is a trusted financial technology provider that helps users connect accounts safely and securely.

No. Our Plaid connection is strictly read-only. We can see your transactions and balances to help you manage your finances, but we cannot initiate transfers, make withdrawals, or change any account settings. YPA-FINANCE is not a bank and cannot move money.

No. YPA-FINANCE uses a soft pull to check your credit score, which does not affect your credit rating. You can check your score as often as you like without any impact.

Yes. YPA-FINANCE is completely free. All features are included at no cost. There are no subscriptions, no hidden fees, and no paywalls. Users who find the app helpful can support YPA-FINANCE with an optional voluntary payment.

Yes. YPA-FINANCE helps explain how credit scores work, what affects your score, and what steps may help you improve it over time.

Yes. YPA-FINANCE helps you track spending, organize your money, and build a simple budget so you can better understand where your money is going.

Yes. YPA-FINANCE includes tools that help users understand debt, compare payoff strategies, and create a debt payoff plan based on their financial situation.

Yes. YPA-FINANCE is free to use, including access to your credit score and helpful financial content. Users also have the option to support YPA-FINANCE with a voluntary payment.

Yes. YPA-FINANCE is available on Android and can be downloaded from the Google Play Store.

Yes. YPA-FINANCE is available on both iOS and Android. You can use the same account on multiple devices and your data will stay in sync.

Credit Karma focuses mainly on credit score and credit monitoring and is available in English. YPA-FINANCE helps users understand credit score, budgeting, debt payoff, and personal finance in simple language and supports 13+ languages.

Monarch is built around detailed dashboards and budgeting tools. YPA-FINANCE combines budgeting with AI assistants, simple explanations, multilingual support, and tools that help users better understand their money in plain language.

Cleo focuses on budgeting and AI-style money guidance. YPA-FINANCE helps users understand credit score, budgeting, debt payoff, and personal finance in simple language, with support in 13+ languages and a stronger focus on immigrants and underserved communities.

You can reach YPA-FINANCE support via WhatsApp, Telegram, or email at hello@ypa.finance. We offer human support in multiple languages.