Terms of Investment

1Acceptance of Terms

By registering on the FarmLandio platform, completing KYC verification, or making any investment, you ("Investor", "User", "you") confirm that you have read, understood, and agree to be legally bound by these Terms of Investment ("Terms") and our Privacy Policy.

If you do not agree to these Terms, you must immediately cease using the platform and contact us to close your account. These Terms constitute a binding legal agreement between you and FarmLandio Investment Technologies Pvt. Ltd. (CIN: U74999KA2024PTC000001).

2Definitions

• "Platform" — The FarmLandio website (farmlandio.in), mobile applications, and all associated digital services
• "Farm Units" — Fractional ownership interests in verified farmland parcels listed on the platform
• "Lease Income" — Rental income generated from farmland leased to professional farmers, distributed quarterly to investors
• "Portfolio Dashboard" — The investor's real-time view of their farm holdings, valuations, and income records
• "Secondary Marketplace" — The platform feature allowing investors to list and transfer their Farm Units to other users
• "KYC" — Know Your Customer verification process including identity, address, and PAN verification
• "AML" — Anti-Money Laundering checks conducted per PMLA Act requirements
• "SEBI" — Securities and Exchange Board of India

3Eligibility & Account Registration

To invest on the FarmLandio platform, you must meet the following eligibility criteria:

• Be an Indian resident citizen aged 18 years or older
• Hold a valid PAN card issued by the Income Tax Department of India
• Have a valid Aadhaar number linked to your mobile number for e-KYC
• Possess an active Indian bank account for receiving lease income and exits
• Not be a Politically Exposed Person (PEP) or under any financial sanctions
• Have the legal capacity to enter into binding investment contracts

4Investment Process & Farm Units

FarmLandio operates as a fractional farmland investment platform under applicable SEBI regulations:

• Minimum investment amount is ₹10,000 per Farm Unit transaction
• Farm Units represent proportional economic interest in specific farmland parcels
• All farmland undergoes full title verification, soil testing, and satellite mapping before listing
• Investment amounts are held in an ESCROW account until the farm acquisition is completed
• Investors receive digital investment certificates upon successful allotment of Farm Units
• Farm Unit valuations are updated quarterly based on market rates and independent assessments

5Lease Income & Returns

Investors earn income through farmland leasing arrangements managed by FarmLandio:

• Lease income is distributed quarterly directly to registered bank accounts
• Historical average returns of 14.2% per annum are not guaranteed and may vary by farm and season
• Income distributions are net of platform management fees (2–3% per annum)
• Annual income statements (Form 16A equivalent) are provided for tax filing purposes
• Lease income is taxable as "Income from Other Sources" under Indian Income Tax Act
• FarmLandio deducts TDS at applicable rates as per current Income Tax regulations

6Exit & Secondary Marketplace

FarmLandio provides liquidity options for investors seeking to exit their farmland positions:

• Investors may list Farm Units on the Secondary Marketplace at any time with no minimum holding period
• Average exit time is approximately 90 days, depending on buyer demand and market conditions
• Exit price is determined by prevailing market rates and may be higher or lower than original investment
• A secondary marketplace transaction fee of 1.5% applies on the sale value
• FarmLandio does not guarantee a buyer will be found within any specific timeframe
• In case of no buyers, FarmLandio will attempt to facilitate a buyback at prevailing valuation (not guaranteed)

7Platform Usage Rules

By using the FarmLandio platform, you agree to the following usage rules:

• Provide accurate and complete information during registration and KYC
• Not share your account credentials with any third party
• Not use the platform for money laundering, fraud, or any illegal financial activity
• Not attempt to reverse engineer, scrape, or interfere with the platform's technical infrastructure
• Not misrepresent your financial status, investment experience, or eligibility
• Promptly notify FarmLandio of any unauthorised access to your account
• Comply with all applicable Indian laws related to taxation, investment, and financial transactions

8Intellectual Property

All content on the FarmLandio platform — including but not limited to farm reports, satellite imagery, analytical tools, brand assets, software, and documentation — is the exclusive intellectual property of FarmLandio Investment Technologies Pvt. Ltd.

• You may not reproduce, distribute, or commercially exploit any platform content without written permission
• Farm due diligence reports and soil analysis documents are proprietary and for investor use only
• The FarmLandio name, logo, and brand identity are registered trademarks
• User-generated content (messages, feedback) grants FarmLandio a licence to use it for platform improvement

9Investment Risks & Disclaimer

Farmland investment carries inherent risks that investors must understand before investing:

• Agricultural Risk: Crop failure due to weather, pests, or disease may reduce or eliminate lease income
• Market Risk: Agricultural commodity prices fluctuate and affect farmland valuations
• Regulatory Risk: Changes in land laws, SEBI regulations, or tax policies may affect investments
• Liquidity Risk: Farm Units may not always find immediate buyers on the Secondary Marketplace
• Operational Risk: Platform outages, cybersecurity incidents, or agronomist errors may impact returns
• Natural Disaster Risk: Floods, droughts, or other calamities may damage farmland assets

10Fees & Charges

• Platform Management Fee: 2–3% per annum deducted from gross lease income
• Secondary Marketplace Fee: 1.5% on sale transaction value
• KYC Processing Fee: Nil — FarmLandio bears the cost of KYC verification
• GST: Applicable on all service fees as per Government of India rates
• TDS: Deducted on lease income as per prevailing Income Tax rates

11Limitation of Liability

To the maximum extent permitted by applicable Indian law:

• FarmLandio's total liability to any investor shall not exceed the amount invested by that investor in the preceding 12 months
• FarmLandio is not liable for agricultural losses due to natural disasters, weather events, or crop disease
• FarmLandio is not liable for indirect, consequential, or punitive damages arising from investment losses
• FarmLandio is not responsible for third-party service failures including banking, KYC, or payment gateway issues
• Investment returns are subject to market conditions beyond FarmLandio's control

12Account Termination

FarmLandio reserves the right to suspend or terminate any investor account in the following circumstances:

• Submission of false or fraudulent KYC information
• Violation of AML/PMLA regulations or involvement in suspicious financial activity
• Breach of any provision of these Terms of Investment
• Non-compliance with SEBI regulations or applicable Indian laws
• At the investor's own request with proper account closure procedures followed

Upon termination, FarmLandio will facilitate an orderly exit of all Farm Units and return proceeds (net of applicable fees and charges) to the investor's registered bank account within 90 days.

13Governing Law

These Terms of Investment are governed by and construed in accordance with the laws of the Republic of India. Applicable regulations include:

• Securities and Exchange Board of India Act, 1992
• Prevention of Money Laundering Act, 2002 (PMLA)
• Income Tax Act, 1961
• Indian Contract Act, 1872
• Information Technology Act, 2000
• Digital Personal Data Protection Act, 2023

The courts of Bengaluru, Karnataka shall have exclusive jurisdiction over any disputes arising from these Terms.

14Dispute Resolution

In the event of a dispute between the Investor and FarmLandio:

• Step 1 – Internal Resolution: Contact our Grievance Officer at grievance@farmlandio.in. We will respond within 15 business days
• Step 2 – SEBI SCORES: If unresolved, investors may file a complaint on the SEBI SCORES platform at scores.gov.in
• Step 3 – Arbitration: Disputes not resolved through SCORES shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, with a sole arbitrator appointed by mutual consent in Bengaluru, Karnataka

15Amendments to Terms

FarmLandio reserves the right to modify these Terms of Investment at any time to reflect changes in regulatory requirements, business practices, or platform features. Investors will be notified via registered email at least 14 days prior to material changes taking effect. Continued use of the platform after the effective date of changes constitutes acceptance of the updated Terms.

16Contact Information

For any questions, clarifications, or concerns regarding these Terms of Investment: