During a personalized monitoring procedure facilitating safe and effective sport or rehabilitation activities, in the preparatory section (ESZ) user anamnesis and activity protocol data are recorded; at an idle phase (NYSZ), based on current heart rate measurement, we decide on the whether the activity can be continued; at a subsequent load phase (TSZ), we monitor the changes in the user's physiological parameters, related to the physical activity of the user, primarily the parameters that determine the safe operation of the heart and, if necessary, provide a warning; in a subsequent regeneration phase (RSZ), the heart rate deceleration stage is monitored, the heart rate variability parameters are calculated in the time and frequency domain, and the result obtained is taken into account at the monitoring in relation to the next training, while evaluating the idle phase (NYSZ). The apparatus for implementing the method comprises a data processing unit connected to the measuring electrodes and sensors and a display unit in wireless communication with the data processing unit. The latter is preferably a smartphone, while the data processing unit includes expert knowledge of the physiology of the monitored training that enables the execution of the procedure.