Terms & Conditions

Joining the Cropital Community

  1. Cropital is a social impact investing platform connecting interested investors/the general public to skilled local farmers.

  2. Cropital connects you, the user to farmers which are thoroughly selected, trained, and have been provided access to crop insurance.

  3. Investing on farms/crops has several risks. Cropital through its partner organisations helps mitigate these risks.

Description of Service

  1. Cropital is a crowdfunding platform subject to the rules and regulations of the Securities and Exchange Commission that enables users to view, select, lend, and monitor local farmers.

  2. Cropital and its partner agricultural organisations curate, train, monitor, and provide access to crop insurance to farmers featured in the platform. Please see our How It Works page to know how.

  3. Cropital is a connector and enabler. It connects interested lenders to skilled farmers. It enables investors to finance farmers offsite. It conducts due diligence, monitoring, and collections on behalf of the lender.

  4. Cropital does not guarantee any returns to its users.

Changes in Terms of Use by Cropital

  1. Cropital may change these Terms of Use at any time and such change shall be effective upon posting the new Terms of Use on the Cropital website. Any visit to the Cropital Site or use of the Cropital Services on any of the Sites by you after the new Terms are posted will indicate your agreement to such change. Therefore, it is important you read this page regularly to ensure you are familiar with the most updated terms.

Indemnity of Information

  1. Cropital bears no representation, or warranty, express or implied, as to the accuracy or completeness of information provided. You agree that the company shall not have any liability to you relating to or resulting from use of information. In furtherance of the foregoing, you hereby release the Company from any and all liabilities to your regardless of when such liabilities may arise.

Access

  1. All users and guests are given access to Cropital. However, users and guests are prohibited from using any device, software or other instruments to interfere or attempt to interfere with the proper use of our site. Any disruptive actions to destroy, damage or overburden the website and it’s servers is a punishable offence by law. Moreover, you are also prohibited from using any bots, automated processes, and spiders of the like, to monitor or copy our website and its respective content without prior consent or authorization from Cropital. You may not obtain or attempt to obtain unauthorized access to the site along with its registered users and farm partners may it be intentional or unintentional.

Account Registration and Termination

  1. All users and guests should have a registered account in order to be eligible to finance farmers. All information submitted shall be correct and updated. Completing the registration means that you acknowledge and accept all terms and conditions of Cropital.

Terms of Use

  1. Selection of Farm/s: Users can browse all featured farms throughout the website. Users may select in which farm/s to invest in.

  2. Payment: Users need to put credits into their virtual wallet in order to finance a farmer. Please see our How It Works page to learn more.

  3. Monitoring: Users shall be updated regularly on the progress of the farm/s in which they have financed/invested. Progress reports shall be provided through notification in users' Cropital accounts. After the harvest, users will receive a financial statement of their farm and shall receive back the money they initially invested together with the shared earnings.

  4. Re-investment: Once the credits have been uploaded into users' virtual wallet, users may opt to reinvest in new farms shown on the website.

  5. Withdrawal: Users may opt to withdraw their credits in their virtual wallet. Please see our How It Works page to learn more.

Privacy and Security

  1. Cropital will not disclose any user information (including name, email address, contact number/s, and other account information) to any third party. Information will be used solely for Cropital operations in accordance with the provisions of the Data Privacy Act of 2012.