FarmerCare – Terms of Service

This agreement sets out the terms and conditions (the 'Terms') between you (a 'Funder', 'you') and FarmerCare ('FarmerCare', the 'Company', 'we', or 'us') under which you agree to fund farmers to cultivate farms or agricultural projects through our digital platform (the 'Platform'). By using our Platform, you accept and agree to these Terms, the Privacy Policy, and any other policies incorporated by reference. FarmerCare does not provide investment advice or recommendations. It is your responsibility to evaluate the suitability of the Platform for your financial goals. You should only invest funds that you can afford to risk, and you confirm that you understand and accept the risks associated with funding agricultural projects. By registering as a funder on the Platform, using our services, or otherwise providing funds, you confirm your acceptance of these Terms.

FarmerCare is a company registered in Bangladesh. We operate as an agri-fintech platform, connecting investors with farmers through a profit-sharing or funding model. All funding activities are digital, transparent, and compliant with applicable laws in Bangladesh.

You will receive regular updates about the status of your funded farms or projects through the FarmerCare Platform, including notifications, reports, and financial summaries. A farming cycle begins when your contribution is received by FarmerCare and ends upon harvest and sale of the produce. You may request a physical farm visit, subject to the conditions outlined under 'Farm Visit' below.

1. At the start of a farming cycle, your funds will cover: • Land lease or plot rent • Seeds, seedlings, or livestock • Fertilizers, feed, and other inputs • Maintenance, supervision, and administration 2. Your funds are committed for the full farming cycle and cannot be refunded until the cycle is completed. 3. Fund transfers via bank deposit, cheque, or electronic transfer are considered complete when FarmerCare confirms receipt. Acknowledgements will be sent via email. 4. Profits from successful farming cycles are credited to your designated bank account after harvest and sale. You may choose to withdraw funds or reinvest in new farms. 5. Profit-sharing and projected earnings will vary depending on the farm type, category, and regulatory requirements. Categories may include shariah-compliant and non-shariah-compliant projects. 6. FarmerCare reserves the right to adjust earnings rates in case of government or regulatory intervention. 7. Payments will be made via bank transfers, account payee cheques, or electronic fund transfers. FarmerCare is not liable for delays caused by: • Incorrect or incomplete bank information • Unresponsiveness of the funder • Public or banking holidays • External events beyond FarmerCare's control, such as strikes, natural disasters, or power outages

In the event of your death or incapacity, any earnings from your funded farms will be paid to your registered nominee. If no nominee exists, payments will be made to the bank account registered with FarmerCare. Where transfers are not possible, funds may be released to your legal successors upon submission of satisfactory documentation.

By using the Platform, you confirm that: • You are over 18 years old and have legal capacity to enter this agreement • All personal information provided is accurate and truthful • You hold a valid bank account in Bangladesh for funding and receiving returns • You understand the risks associated with farm funding and crowdfunding models, including potential loss of invested funds • You are using your own legal funds and are not engaged in money laundering • If funding on behalf of a third party or entity, you are legally authorized to do so

• Your username and password are confidential; you are responsible for their security. • You agree not to use the Platform for illegal activities, unauthorized access, or manipulation. • FarmerCare may monitor activity and store IP addresses in accordance with the Privacy Policy. • Access may be restricted during maintenance or for security reasons.

Funding with illegal funds or using the Platform to launder money is strictly prohibited. FarmerCare will report suspicious activities to the relevant authorities.

• These Terms are effective from the date you fund a farm and remain in force until all outstanding funded farming cycles are completed. • You may terminate the agreement if you have no active farm funding by providing written notice to hello@farmercare.com. • FarmerCare may terminate your account or access at any time, with or without notice.

Any taxes on earnings from funded farms are the responsibility of the funder. FarmerCare will not withhold or deduct taxes unless legally required.

You acknowledge that you have read and understood the FarmerCare Privacy Policy, which explains how we collect, use, and store personal information.

You agree to indemnify and hold harmless FarmerCare, our farmers, and agents against all liabilities, losses, and expenses arising from: • Fraudulent or illegal use of the Platform • Your negligence or failure to comply with these Terms • Any inaccurate information provided • Unauthorized access by third parties using your credentials FarmerCare is not liable for losses from failed farming cycles, except as covered by insurance or explicit agreements.

• These Terms are governed by the laws of Bangladesh. • Disputes should first be resolved through mutual negotiation within 30 days. • If unresolved, disputes will be referred to arbitration under the Arbitration Act, 2001.

If changes in law or regulations make any provision impossible to perform, FarmerCare and funders will seek alternative means to achieve substantially the same result.

• Refunds are only applicable for non-shariah-compliant farms, requested within 5 working days of invoice receipt. • Shariah-compliant farms are non-refundable. • Refunds are processed within 10 working days after verification, minus 2.5% transaction fee. • Refunds are made via bank transfer only; no cash refunds.

• Requests for farm visits must be made in writing to info@farmercare.asia with the subject: 'Requesting farm visit for [Farm Name] under [Order ID]'. • Visits are scheduled on business days; public and weekly holidays are excluded. • Funders must be fully vaccinated for COVID-19 and provide a certificate. • Funders must sign a Non-Disclosure Agreement (NDA) and Indemnity Form before visiting. • All expenses for travel, accommodation, and food are the responsibility of the funder. • Only the funder and one accompanying person may visit; no representatives allowed. • Cancellation within 3 working days of the visit may incur mutually agreed fines.

• No waiver or negligence by FarmerCare affects future enforcement of these Terms. • FarmerCare may amend these Terms with 14 days' notice, which will be binding on funders.

For questions or comments about these Terms or the Platform, contact us at: info@farmercare.asia. Written notices will be deemed delivered on receipt or posting to your registered address or email.