Last updated: 24th September 2026

Please read these Terms and Conditions (“Terms or Agreement”) carefully before using the Fundit Application (the “Service”) operated by Telecel Ghana (“us”, “we”, or “our”).

Your access to, and use of, the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all users, visitors and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the Terms, do not access or use the Service.

The Service

Fundit is a crowdfunding platform accessible to all irrespective of device. Users can raise private (not displayed on our dashboard) and public (displayed on our dashboard) campaigns to receive donations via Mobile Money and card payment. Fundit is powered by Telecel Ghana as a way of providing adaptive digital solutions to raise funds for legitimate purposes. The Fundit platform allows campaigners to share their campaigns directly with targeted donors.

Fundit can be accessed through URL: https://fundit.telecel.com.gh

Telecel Ghana grants you a limited non-exclusive, non-transferable and revocable licence to access and use Fundit solely for its intended purposes and in accordance with these Terms. Access to certain features may depend on your device, connectivity, location, registration or successful completion of applicable verification requirements.

The Service and Content are protected by copyrights, trademarks, service marks, or other intellectual property rights that are owned by Telecel Ghana or its licensors. Telecel Ghana respects the intellectual property rights of others and requests that you do the same. Any unauthorised use of Content or any other aspect of the Service, or any portion thereof, will constitute a violation of copyright or other intellectual property rights, and Telecel Ghana reserves the right to fully prosecute such violations and enforce its rights to the fullest extent of the law, including seeking both civil and criminal action.

Except as expressly provided herein, Telecel Ghana does not grant you any other express or implied right or license in or to the Service or Content and all rights, title, and interest that Telecel Ghana has in the Service and Content are retained by Telecel Ghana, including the right to modify, discontinue, or temporarily suspend any or all of the Service at any time, with or without notice.

No aspect of the Service constitutes legal, financial, medical, or other category of professional advice.

You are required to register for our Services using accurate data. Provide your current registered mobile wallet number and email address. Where this changes, you may not be able to access some of our Services. You agree to receive text (SMS) messages, pop-up notifications and phone calls (from us or our partners). You are responsible for keeping your device secure. You understand and agree that you are liable for any unauthorized use of your account.

By using Fundit, you consent to receiving communications relating to the Service through SMS, email, in-app, or pop-up, notifications and other electronic means permitted by applicable law.

Telecel Ghana owns all proprietary rights as well as the intellectual property rights to all URLs, materials, products, web content, mobile app design, images, text, tools and software that make up the Fundit service. Technical procedures, processes, concepts and methods of operations are inherent within the Fundit trade secret.

Data collected in the use of our Service is governed in accordance with the Data Protection Act, 2012 (Act 843) and the Privacy Policy of Telecel Ghana. You may delete your account at any time. Deleting the App does not however affect the information other users may have, such as your contributions on the App.

You hereby warrant that any information you provide to us for the opening of a campaigner account with Telecel Ghana on your application is true to the best of your knowledge. You hereby further warrant that you will indemnify Telecel Ghana against all losses resulting from any information you provide which you knew it to be false or which you were reckless about its truth.

We may terminate or suspend access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. Violation of this Agreement in any manner automatically terminates the license granted to you herein and obligates you to cease all use of the Service and Content.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Our Service may provide links to third-party web sites or services that are not owned or controlled by Telecel Ghana (“Third-Party Services”). The Service may also be dependent on application programming interfaces (APIs) from third-party websites, apps, content and other products and services. You may choose to use cloud services which are integrated with our services or process a transaction through a mobile network operator or bank.

Third‑Party Service providers are required under applicable laws to implement appropriate security, privacy, and data protection safeguards consistent with the Data Protection Act, 2012 (Act 843). Such third‑party data processors or authorised persons are required to comply with security measures for the protection of personal data.

By making a donation through Fundit, you acknowledge and agree that:

• All donations are made voluntarily and at your own discretion.


• You are at least 18 years of age.


• Telecel Ghana acts solely as the operator of the Fundit platform and is not the beneficiary of donations made to campaigns.


• Telecel Ghana does not guarantee the accuracy, completeness, legitimacy, success, or outcome of any campaign.


• You are solely responsible for assessing whether to support a campaign.


• Donations do not create any contractual, ownership, investment, or profit-sharing rights between you and the campaigner.

All donations made through Fundit are generally final and non-refundable except in circumstances expressly provided under these Terms and Conditions.

• Mistaken Donations


• Where a donation is made in error, a donor may request a refund within twenty-four (24) hours of the transaction and prior to settlement of the funds to the campaigner. Telecel Ghana may, at its sole discretion and subject to verification, facilitate a refund.


• Once funds have been settled to the campaigner, Telecel Ghana shall have no obligation to process a refund request.


• Duplicate Donations


• Where duplicate donations occur as a result of technical, network, system, or payment processing errors, Telecel Ghana may investigate the matter and, where appropriate, arrange for the duplicate amount to be refunded or reversed.


• Donor Regret

A donor's decision to withdraw support for a campaign after making a valid donation shall not constitute grounds for a refund. Telecel Ghana shall not be responsible for refunding donations solely because a donor no longer wishes to support a campaign or disagrees with the campaigner's subsequent actions, provided there has been no fraud or violation of these Terms.

• Chargebacks and Card Disputes

Donations made using payment cards may be subject to verification and investigation by issuing banks, card schemes, acquiring banks, payment processors, or other relevant financial institutions.

Telecel Ghana reserves the right to:

• investigate any chargeback or dispute


• challenge invalid chargeback claims


• suspend settlement of disputed donations


• request additional information from donors and cooperate with financial institutions and regulatory authorities during investigations.


• Fraudulent Transactions

Where Telecel Ghana reasonably suspects fraud, unauthorized transactions, money laundering, terrorist financing, account compromise, or any unlawful activity, Telecel Ghana may suspend, reverse, refund, or reject any donation and report the matter to relevant authorities.

A campaigner may create a campaign through Fundit subject to successful registration, verification, and compliance with these Terms and Conditions.

• You must be 18 years of age to apply, start and manage a campaign


• Telecel Ghana reserves the right to approve, reject, suspend, remove, edit, restrict, or terminate any campaign at its sole discretion where it considers such action necessary to comply with applicable laws, regulatory requirements, security obligations, or these Terms.


• Campaigners warrant that all information provided in connection with a campaign is: accurate, complete, current, lawful and not misleading or deceptive.


• Campaigners shall not create or promote campaigns involving fraudulent activities, money laundering, terrorist financing, gambling or betting activities, narcotics or controlled substances, weapons or ammunition, hate speech or violent extremism, unlawful investments or Ponzi schemes, political fundraising prohibited by law, activities violating intellectual property rights or any activity prohibited by the laws of Ghana.


• Telecel Ghana may require campaigners to provide valid national identification documents, company registration documents, banking details, proof of account ownership, proof supporting the purpose of the campaign; and any other information required for Know Your Customer (KYC), Anti-Money Laundering (AML), Counter Terrorist Financing (CTF), sanctions screening, fraud prevention, or regulatory compliance purposes. Failure to provide requested information may result in suspension, cancellation, or refusal of settlement.


• Campaigners agree to use donated funds solely for the purpose for which the campaign was created.


• Campaigners shall remain fully responsible and accountable for the management, use, reporting, taxation, and expenditure of all funds raised through their campaigns.


• Settlement of campaign proceeds shall be subject to completion of campaign verification requirements, fraud screening, reconciliation processes, regulatory requirements, court orders or lawful directives and any applicable dispute, chargeback, or investigation.


• Telecel Ghana shall use reasonable efforts to complete settlements within ten (10) working days following completion of the necessary verification and reconciliation processes.


• Where a campaigner provides false, misleading, inaccurate, or fraudulent information, Telecel Ghana may suspend or terminate the campaign, freeze campaign proceeds, reverse donations where possible, prohibit future use of Fundit, report the matter to law enforcement or regulatory authorities and may recover any losses suffered by Telecel Ghana or affected donors.


• Where fraud is discovered after settlement, the campaigner shall remain fully liable for the recovery of funds and any associated costs incurred by Telecel Ghana.


• Telecel Ghana makes no representation or guarantee that a campaign will achieve its fundraising target, receive any donations, remain visible on the platform, or generate any level of support.


• Campaigners acknowledge that donations are voluntary and entirely dependent on donor decisions.

Telecel Ghana may charge platform, transaction or settlement fees in connection with the use of Fundit. Any applicable fees shall be disclosed to users before completion of a transaction.

Account Creation

You may be required or permitted to create user accounts (each an “Account”) in order to access or use certain aspects of the Service. If you open an Account or otherwise access the Service on behalf of a company, organization, or other entity (a “Business User”), then you represent and warrant that you have the authority to also bind the Business User to these Terms, and hereby do so, and both you and the Business User will be responsible for any breach of this Agreement. You acknowledge and agree that you have no ownership or other proprietary interest in any Account. You agree that all of the details you provide in connection with your Account are about yourself or an applicable Business User and not about another individual or entity (whether real or fictitious), and that such details will be maintained by you as correct, current, and complete.

Settlement

Telecel Ghana agrees to settle all campaigners in accordance with the underlisted processes:

• At the end of every campaign, the system notifies the Administrator to settle the campaigner.


• The Administrator reconciles transactions of deposits from donors together with Telecel Ghana’s Finance team.


• The Finance team initiates the settlement process using GIP, ACH Transfer or cheque.


• Telecel Ghana debits its bank account and credits the campaigner(s)’ account.


• Telecel Ghana shall use reasonable efforts to complete settlements within ten (10) working days following completion of the necessary verification and reconciliation processes.


• Where the campaigner misrepresents information to fraudulently solicit for funds from the general public for a campaign that has been fraudulently set up, Telecel Ghana will reverse all donations and ban the campaigner from using Fundit where Telecel Ghana detects the fraud before settlement.


• Where Telecel Ghana detects the fraud after the settlement, the campaigner shall become personally liable to Telecel for the recovery of the funds settled in favour of the campaigner.

Investigations and Suspensions

You agree that Telecel Ghana has the right, in our sole discretion, to investigate any actual or suspected violation of these Terms and to suspend your Account and refuse you access to your Account, the Service, or the Content (or any portion thereof) for any reason, including if Telecel Ghana believes the information you provide is not correct, current, or complete, or that you have otherwise violated this Agreement or any applicable law. You agree that Telecel Ghana may report your conduct, activity, or identity to law enforcement or other appropriate authorities, take appropriate legal action against you, respond to subpoenas or other requests for information regarding your Account or use of the Service, or otherwise take action to protect our rights and the rights of any third party. BY ACCEPTING THESE TERMS, YOU WAIVE ANY CLAIMS RESULTING, DIRECTLY OR INDIRECTLY, FROM ANY ACTION TAKEN BY TELECEL GHANA DURING OR AS A RESULT OF THESE INVESTIGATIONS.

Account Security

You may not use anyone else’s Account at any time and you may not allow anyone else to use your Account at any time. You are responsible for all activity occurring under your Account, including all activities or transactions conducted through the use of your Account. You are responsible for maintaining the confidentiality of your Account username and password, and agree not to disclose your username and password to anyone. You agree not to transfer, resell, or otherwise convey your Account or the right to use your Account to anyone. You agree that Telecel Ghana will not be liable for any loss you may incur as a result of someone else using your Account, either with or without your knowledge. You also agree that any information you provide is offered at your own risk, and that Telecel Ghana cannot guarantee its protection from unauthorised access. If you have reason to believe that your Account is no longer secure, you must: (i) promptly change your password; and (ii) immediately notify us of the problem through our support contact page. Telecel Ghana may require you to change your Account username and password.

Wireless Charges

You are solely responsible for all charges from your wireless provider including any data and messaging fees that you may incur if you use mobile devices to interact with the Service or to receive communications from Telecel Ghana.

You agree that you will not use the Service to do anything that:

• Constitutes or promotes illegal activity;


• Is infringing, libelous, defamatory, abusing, harassing, or threatening;


• Exploits or harms children, directly or indirectly;


• Promotes any commercial activity, including promoting goods or services or soliciting donations, except as may be specifically authorized by applicable Additional Terms;


• Is subject to confidentiality or non-disclosure obligations;


• Disguises its source or origin, or misrepresent its author, by modifying metadata or other identifiers; or


• Links to any third-party sites or services that would violate the standards contained in this list.

In using the Service you also agree not to:

• Attempt to interfere with the operation of the Service in any way;


• Copy, reproduce, distribute, transfer, sell, license, publish, enter into a database, display, perform publicly, modify, create derivative works of, upload, edit, post, link to, frame, transmit, rent, lease, lend or sublicense, scrape, crawl, or in any way exploit any part of the Service (except: (a) as authorized herein; or (b) in the case of public search engines, which are granted a revocable right to crawl publicly accessible portions of the Service in compliance with instructions posted on applicable “robots.txt” files and without circumventing any technical barriers, for the sole purpose of creating public searchable indexes, but not caches or archives);


• Use any viruses, worms, bug exploits, or similar data-gathering and extraction tools on the Service, or frame any portion of the Service, or attempt to tamper, hack, corrupt, or impair the administration or security of the Service;


• Assign, sublicense, pledge or transfer any of your rights or obligations under this Agreement to any person or entity without Telecel Ghana’s prior written consent which may be withheld at Telecel Ghana’s sole discretion (and any such purported assignment, pledge, or transfer without such prior written consent will be null and void);


• Use any tools designed to compromise security or digital rights management technology (including password guessing programs, cracking tools, or network probing tools) in connection with the Service; • use the Service for any commercial purposes, including sending “spam” or any malicious or disruptive communications;


• Decompile, reverse engineer, disassemble, or otherwise reduce the code used in any Apps, other software, or digital rights management feature on the Service into a readable form in order to examine the construction of such software or to copy or create other products based (in whole or in part) on such software or any feature of the Service or piece of Content available on the Service; or


• Intercept, record, or modify network communications transmitted between any Apps, software, or digital rights management features and Telecel Ghana’s networks or systems.

Fundit is a technology platform facilitating fundraising between donors and campaigners. Telecel Ghana is not a trustee, agent, fiduciary, beneficiary, guarantor, sponsor or organiser of any campaign and assumes no responsibility for the success, completion or outcome of any campaign.

Your use of the service is at your discretion. The service is provided on an “as is” and “as available” basis. While Telecel Ghana strives to offer a secure, reliable, and high quality user experience in accordance with applicable laws, including obligations relating to service reliability and data protection, we do not guarantee that the service will always operate without interruptions, errors, or security vulnerabilities.

To the extent permitted by applicable law, Telecel Ghana does not make any promises or guarantees about the service whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non infringement. Telecel Ghana is bound by the Payment Systems and Services Act, 2019 (Act 987), the Data Protection Act, 2012 (Act 843) and other applicable law regarding the security and lawful handling of personal data.

Telecel Ghana does not warrant that the Service will be uninterrupted, error free, or free from harmful components, but we will take reasonable and legally mandated steps to maintain the security, integrity, and proper functioning of the service. Telecel Ghana makes no guarantee regarding the accuracy, completeness, legality, or reliability of content or materials accessed through the service or linked to third party platforms, except where such guarantees may not be lawfully disclaimed.

Subject to the above, Telecel Ghana’s liability for any claim whether arising in contract, tort, negligence, or any other legal cause of action will be limited to the actual losses suffered.

You agree to indemnify Telecel Ghana and its directors, officers, shareholders, parents, subsidiaries, affiliates, partners, agents and licensors (“the Indemnified Parties”) to the extent that any losses, expenses, damages, or reasonable legal costs arise directly from:

• Your breach of any material representations, warranties or obligations under this Agreement;


• Your unlawful or improper use of the service;


• Your placement or transmission of User Content that infringes rights of others or violates applicable law;


• Your misuse of your account or failure to take reasonable steps to protect from unauthorized use, or


• Your willful misconduct or fraudulent activity.

Third‑party processors or authorised persons handling personal data on behalf of Telecel Ghana are required to comply with applicable security measures.

If a dispute arises between you and Telecel Ghana, you may submit your complaint by email to info@telecel.com.gh. Telecel Ghana will acknowledge receipt of your complaint and attempt to resolve the dispute within five (5) working days and no later than fifteen (15) working days from the date receipt of your complaint is acknowledged.

Telecel Ghana shall handle and attempt to resolve your complaint in accordance with the three‑level Consumer Recourse Mechanism, which includes:

First‑Level resolution - by Telecel Ghana, through our internal complaints and redress procedure that will handle and seek to resolve all initial complaints. Where your complaint is unable to be resolved or parties cannot come to a consensus, Telecel Ghana shall refer the matter to the Bank of Ghana in writing within five (5) days of the stalemate.

Second Level resolution - the Bank of Ghana shall take up all referred unresolved complaints or disputed decisions by Telecel Ghana and act as Arbitrator between the parties and give appropriate directives where required.

Third Level Resolution - at the Courts of Ghana; where you are dissatisfied with the decision of the Bank of Ghana, you the aggrieved party may seek redress in Court by instituting a legal action.

You may also have further recourse through the designated statutory dispute‑resolution bodies, including mediation, arbitration, or the Electronic Communications Tribunal, as provided under applicable law.

Nothing in these Terms and Conditions limits or waives your right to escalate a complaint, seek further review, or pursue any remedies available to you under applicable law. The Parties shall endeavour to resolve all disputes amicably through good‑faith engagement before resorting to external mechanisms.

Except as otherwise provided herein, these Terms will be governed by, construed, and enforced in accordance with the laws of the Republic of Ghana.

Notice

All notices, including notices of address change, required to be sent hereunder shall be in writing and shall be deemed to have been given when mailed physically or electronically to such addresses as the Parties may designate.

Severability & Waiver

In the event any provision of this Agreement (Terms and Conditions) is deemed invalid or unenforceable, the remaining provisions of this Agreement will remain in full force and effect. The Waiver by either party of any default or breach of this Agreement shall not constitute a waiver of any other or subsequent default or breach.

Construction

The titles of the sections of this Agreement are for convenience of reference only and are not to be considered in construing this Agreement. Unless the context of this Agreement clearly requires otherwise: (a) references to the plural include the singular, the singular the plural, and the part the whole; (b) “or” has the inclusive meaning frequently identified with the phrase “and/or;” (c) “including” has the inclusive meaning frequently identified with the phrase “including but not limited to” or “including without limitation;” and (e) references to “hereunder,” “herein,” or “hereof” relate to this Agreement as a whole. Any reference in this Agreement to any statute, rule, regulation, or agreement, including this Agreement, will be deemed to include such statute, rule, regulation, or agreement as it may be modified, varied, amended, or supplemented from time to time.

Survival

Any provision herein which by its nature contemplates your continued observance following termination of this Agreement will survive termination of this Agreement.

Updates To Our Terms and Conditions

We reserve the right, at our sole discretion, to modify, update or replace these Terms and Conditions. You will receive notice of such amendments as appropriate, as much as possible, prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of our Services, as amended, confirms your acceptance of our Terms and Conditions. If you do not agree to our Terms and Conditions, as amended, you must stop using our Services. Please review our Terms and Conditions from time to time. Changes

Entire Agreement

This agreement constitutes the complete agreement with respect to the Application and services specified herein. This Agreement may not be modified or amended unless as otherwise stated.

Customer support

You may provide us with information regarding your use of our Services. They may include information regarding the performance of our App or other related issues.

If you have any questions about our Terms and Conditions, please contact us.

support.fundit@telecel.com.gh