Polar OwnZone is a function available on a lot of their Heart Rate Monitor devices, but what is OwnZone about?, why should I use OwnZone?, there is an post inteneded as a aide to get you going and all being well try the OwnZone system on your own Polar watch.
eHeartRateMonitor.co.uk has an write-up on what the Polar OwnZone is for and why you could use it. It explains that the OwnZone system constructed into Polar Heart Rate Monitors sets your heart rate zones in accordance with your resting heart rate at the begining, taking into your personal elements previously programmed into the watch.