Terms of Service
1. Acceptance of Terms
By accessing or using any service provided by 52 Weeks Susu Enterprise ("the Company"), you agree to be bound by these Terms and Conditions. If you do not agree to all the terms set out below, you must not access or use the Company’s services.
2. Description of Services
The Company operates a savings challenge platform designed to help individuals save small amounts consistently over time to achieve defined financial goals.
Our flagship product is the 52 Weeks Savings Challenge, which encourages participants to save progressively each week over a 52‑week period. The Company has operated this service since 2017.
In addition, the Company offers:
- The Dynamic 52 Weeks Savings Challenge, which adjusts contributions based on a participant’s start date, and
- Other niche savings packages designed around specific goals or timeframes.
All products are structured to promote disciplined savings through manageable, periodic contributions.
3. Deposits and Withdrawals (Effective 1 January 2026)
Deposits
From 1st January 2026, all deposits made on the platform attract zero charges.
General Withdrawals
General (non-emergency) withdrawals attract a 1% charge, capped at GHS 20.
Emergency Withdrawals
Participants may request a partial or full emergency withdrawal during an active challenge. Emergency withdrawals attract a 12% deduction on the participant’s total savings at the time of withdrawal.
4. Uncompleted Challenges, Missed Targets, and Rollovers
For the Dynamic 52 Weeks Savings Challenge and all other savings packages:
- Challenges that are not completed or where predefined savings targets are not met will attract a 10% deduction on total savings, capped at GHS 1,200.
- Alternatively, participants may elect to roll over their balance into a new challenge, in which case a flat GHS 50 deduction applies.
The specific rules, timelines, and targets applicable to each savings package are communicated clearly at the point of enrollment. By signing up, participants expressly consent to these rules.
By signing up for any savings package, you expressly consent to and agree to the rules governing that package.
Unless otherwise stated, the standard charge applicable to withdrawals is:
- A 1% fee to cover Mobile Money transaction charges.
- Participants are also required to provide a discretionary gift to the Company’s team in recognition of the effort involved in managing the savings challenge.
5. Challenge Completion and Gifts
Upon full and successful completion of any savings challenge:
- Participants will be required to state a mandatory gift amount as a token of appreciation to the Company’s team.
- This gift amount will be deducted at source before final settlement of savings to the participant.
No additional platform charges apply after full completion beyond the applicable withdrawal charges outlined above.
If a participant fails to contribute an amount exceeding GHS 50 over the full period of their chosen savings plan, the participant waives all rights to the contributed funds.
In such cases, the entire balance in the participant’s challenge account will be recorded as a gift to the platform administrators as compensation for operational and administrative costs incurred during the year.
Where a participant meets their savings target and does not request for an early withdrawal:
- Only the 1% Mobile Money transaction charge applies upon withdrawal, and
- The participant is required to specify a gift amount as a token of appreciation to the Company’s team.
6. Account Security and Personal Responsibility
Participants are solely responsible for maintaining the confidentiality and security of their account credentials, including passwords and login details.
Participants must also ensure that all personal and payment information provided is accurate and up to date. The Company shall not be liable for:
- Unauthorized access resulting from a participant’s failure to secure their account, or
- Errors, failed transactions, or misdirected payments arising from inaccurate or incomplete information supplied by the participant.
7. Effective Date and Changes to Terms and Conditions
The updated charges and rules outlined in these Terms and Conditions take effect from 1 January 2026.
The Company reserves the right to amend or update these Terms and Conditions at any time. Participants will be notified of material changes, and continued use of the platform after such changes take effect constitutes acceptance of the revised Terms and Conditions.