Terms & Conditions
Effective Date: 1 January 2025 | Last Updated: 1 May 2025
These Terms & Conditions (“Terms”) govern your access to and use of the AgroFund platform, website, and related services (collectively, the “Platform”), operated by AgroFund Technologies Ltd (“AgroFund”, “we”, “us”, or “our”). By registering an account or using the Platform in any way, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.
1. Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts in your jurisdiction to use the Platform. By registering, you represent and warrant that all information you provide is accurate, current, and complete. AgroFund reserves the right to refuse access to any person who does not satisfy these requirements.
Corporate investors must provide valid entity documentation. All users — individual and corporate — must complete AgroFund’s Know Your Customer (KYC) verification process before making any investment on the Platform.
2. Platform Services
AgroFund operates an online marketplace that connects verified investors with verified agricultural operators (“Farmers”). The Platform facilitates the listing of farm projects, the purchase of investment slots, the tracking of production progress, and the distribution of investment returns at harvest.
AgroFund does not itself operate farms, guarantee agricultural yields, or act as a financial advisor. The Platform is a technology intermediary. All investment decisions are made solely by you, the investor.
3. Account Registration and Security
You are responsible for maintaining the confidentiality of your account credentials. You must enable two-factor authentication (2FA) as part of the onboarding process. You agree to notify AgroFund immediately at [email protected] if you suspect any unauthorised access to your account.
AgroFund will never ask for your password via email, phone, or chat. Any request of this kind should be treated as a phishing attempt and reported to us immediately.
4. Investment Terms
Each farm listing on the Platform specifies the investment window, projected return, minimum slot price, crop or livestock type, and expected harvest date. By purchasing investment slots you agree to the specific terms of that listing, which form a supplemental agreement binding on both parties.
Returns are calculated on actual harvest proceeds after deduction of agreed operating costs and AgroFund’s platform fee. Projected returns are estimates based on agronomic modelling and historical data; they are not guarantees. Actual returns may be higher or lower depending on yield outcomes and prevailing commodity prices at harvest.
5. Fees
AgroFund charges a platform service fee on each investment. The fee structure is disclosed on each listing and on your investor dashboard before you confirm any investment. Fees are non-refundable once an investment is confirmed and the production cycle has commenced.
No hidden fees are applied. Wallet funding and withdrawal fees, if any, are imposed by your bank or payment provider and are outside AgroFund’s control.
6. Risk Disclosure
Agricultural investment carries inherent risks including, but not limited to: adverse weather events, crop disease and pest outbreaks, commodity price fluctuations, regulatory changes, and farm operator default. You may receive less than your invested capital or no return at all.
AgroFund maintains a reserve fund and works with insurance partners on select listings to mitigate certain risks; however, this does not eliminate investment risk. You are strongly encouraged to diversify your investments across multiple farms, crop types, and regions. Do not invest funds you cannot afford to lose.
7. KYC and Anti-Money Laundering
In accordance with applicable financial regulations, AgroFund requires all users to complete identity verification before transacting on the Platform. This includes submission of government-issued identification, proof of address, and, for corporate investors, entity registration documents and beneficial ownership declarations.
AgroFund monitors transactions for suspicious activity and is legally required to report suspicious transactions to relevant authorities. Accounts found to be involved in money laundering, terrorist financing, or fraud will be permanently suspended and relevant information disclosed to authorities.
8. Intellectual Property
All content on the Platform — including but not limited to software, text, graphics, logos, satellite imagery integrations, and data analytics displays — is the exclusive property of AgroFund Technologies Ltd or its licensors and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works of any Platform content without prior written permission from AgroFund.
9. Prohibited Conduct
You agree not to: (a) use the Platform for any unlawful purpose; (b) provide false or misleading information during registration or KYC; (c) attempt to circumvent security controls or access accounts that are not yours; (d) use automated tools to scrape or harvest Platform data; (e) engage in any conduct that disrupts or damages the Platform or its users.
10. Limitation of Liability
To the fullest extent permitted by law, AgroFund’s total liability to you for any claim arising from your use of the Platform shall not exceed the total fees paid by you to AgroFund in the 12 months preceding the claim. AgroFund is not liable for indirect, incidental, consequential, or punitive damages of any kind.
11. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which AgroFund Technologies Ltd is incorporated. Any dispute arising from these Terms shall first be submitted to mediation. If mediation fails, disputes shall be resolved by binding arbitration under the rules of a mutually agreed arbitration body.
12. Amendments
AgroFund reserves the right to amend these Terms at any time. We will notify registered users of material changes by email and by prominent notice on the Platform at least 14 days before changes take effect. Continued use of the Platform after the effective date constitutes acceptance of the revised Terms.
13. Contact
If you have any questions about these Terms, please contact us at [email protected] or write to: AgroFund Technologies Ltd, Legal Department, P.O. Box 1042, Accra, Ghana.