Terms of Service

My Goal Needs Money ("we", "us") is operated by Fusion Point LTD in Ghana. By creating an account you agree to these terms. The app is in Beta and is pending approval from the Securities and Exchange Commission.

The money you save or hold in this app sits with IT Consortium, a leading fintech licensed under the Payment Systems and Services Act — the highest license category for non-bank payment entities in the country, allowing them to offer financial technology services, merchant aggregation, international remittances and payment processing.

You must be 18 or older and use a mobile money wallet registered in your own name. Keep your password private. We never ask for your mobile money PIN — you enter it only on your own phone's prompt.

When you approve a prompt on your phone, you allow us, through our licensed payment provider, to debit the amount and schedule you chose. You can pause or cancel a goal's debits in the app. A debit only counts once your network confirms it.

Each confirmed debit uncovers a tile on your goal picture. When your goal is complete you can send the money to your wallet or to the vendor you named. If you choose a discipline lock, early withdrawal is restricted until the lock ends.

The lender funds the loan from their wallet. The borrower approves a GH₵0.20 processing fee and an automatic repayment plan on agreed dates. The loan is sent only after the repayment plan is confirmed. The processing fee is not refundable and is not part of the repayment.

The loan is an agreement between the lender and the borrower. We run the debits and texts, but we do not lend money and do not guarantee repayment. If the plan cannot be set up, the lender can cancel for a refund.

The payer's money is held until both people confirm, with their passwords, that it should be released or refunded. Neither person can move held money alone.

Our current fees are shown below. We will tell you in the app before any fee changes.

For any question or complaint, use the Send feedback form in the app menu (More, then Support). If a payment is missing, report it from the Help page and include the transaction ID from your wallet. We will investigate with our payment provider. Disputes are first handled with us; if unresolved, the laws of Ghana apply.

You can ask us to close your account. We may suspend accounts used for fraud or in breach of these terms. Money you have saved remains yours and is paid out after any required checks.

These terms were last updated on 17 October 2026. We will tell you inside the app before an important change takes effect.