These Terms and Conditions ("Terms") constitute a comprehensive operational framework governing all forms of access, participation, interaction, registration, onboarding, community involvement, ecosystem coordination, technological engagement, digital participation, operational usage, and related activities associated with the Grant Coin ecosystem operated by Farmbid Africa ("the Operator").

By accessing, joining, registering for, logging into, interacting with, participating in, or otherwise utilizing any ecosystem-related functionality, the User expressly acknowledges, represents, warrants, and agrees that the User has carefully reviewed, thoroughly understood, voluntarily accepted, and independently evaluated these Terms in full.

The User expressly acknowledges and agrees that:

• Participation within the ecosystem is entirely voluntary and discretionary;
• The ecosystem may undergo modifications, upgrades, interruptions, or restructuring at any time;
• No governmental authority guarantees ecosystem performance or continuity;
• No guarantee exists regarding ecosystem value, liquidity, sustainability, or operational continuity;
• Digital asset values may fluctuate substantially, unpredictably, and rapidly;
• Participation may result in partial or complete loss of value;
• Technical failures, cybersecurity incidents, market disruptions, or regulatory developments may occur at any time without warning.

Nothing contained within these Terms shall be interpreted as constituting legal advice, investment advice, banking services, financial advisory services, deposit-taking services, securities offerings, guaranteed profit opportunities, insurance protection, guaranteed liquidity, or fiduciary obligations.

Users are strongly advised to obtain independent legal, tax, accounting, financial, regulatory, and compliance advice before participating within the ecosystem.

1. INTRODUCTION

These Terms govern all participation and operational interaction within the Grant Coin ecosystem, which may include digital utility participation mechanisms, community coordination structures, Cloud Links, wallet systems, internal participation tools, reward structures, Access Facility systems, smart contracts, technical infrastructure, and related ecosystem technologies.

By registering, accessing, joining, logging in, or otherwise engaging with the ecosystem, the User irrevocably confirms that participation is voluntary, risks have been independently evaluated, and the User accepts these Terms in full.

The Operator reserves unrestricted authority, subject to applicable law, to modify, revise, replace, amend, suspend, discontinue, or otherwise alter any aspect of the ecosystem — including participation structures, reward systems, operational rules, withdrawal processes, Access Facility conditions, and eligibility criteria — with or without prior notice. Continued participation after amendments constitutes acceptance of revised Terms.

2. DEFINITIONS

• "Grant Coin" — the internal digital ecosystem utility token utilized within the ecosystem.
• "User" — any person accessing or interacting with the ecosystem.
• "Platform" — all systems, software, mobile applications, websites, databases, APIs, dashboards, wallets, smart contracts, and digital interfaces.
• "Cloud Link" — a community coordination structure for organizational participation, support interaction, ecosystem communication, and operational participation management.
• "Access Facility" — the internal ecosystem participation mechanism through which eligible Users may temporarily access additional ecosystem value subject to operational rules and ecosystem conditions.
• "Commissioner" — a community coordinator or support administrator assigned to assist with Cloud Link coordination functions.

3. NATURE OF THE ECOSYSTEM

The Grant Coin ecosystem is intended solely as a technology-driven ecosystem participation framework. It shall not be interpreted as constituting any form of banking institution, deposit-taking arrangement, savings scheme, collective investment arrangement, regulated securities offering, insurance product, pension arrangement, cooperative society, SACCO structure, financial advisory service, or guaranteed profit-generating mechanism.

Grant Coin does not represent ownership rights in Farmbid Africa, shareholder rights, partnership interests, or voting rights. It does not guarantee preservation of value, ecosystem liquidity, external market demand, convertibility into fiat currency, operational continuity, or participation rewards.

Any ecosystem participation rewards are entirely variable, discretionary, operationally dependent, and subject to modification, reduction, restructuring, suspension, delay, or discontinuation at any time.

4. REGULATORY STATUS

Grant Coin is not legal tender and is not issued or guaranteed by a central bank. Regulatory treatment of digital assets may change. Users bear sole responsibility for determining their legal eligibility, tax obligations, regulatory obligations, reporting requirements, and compliance responsibilities within their jurisdiction.

5. ELIGIBILITY

Participation is limited to individuals at least eighteen (18) years of age who possess legal capacity, are not prohibited from participation under applicable law, will use only lawful funds, and will provide accurate information where required. The Operator may request identity verification and additional documentation at any time.

6. ACCOUNT RESPONSIBILITY

Users bear sole responsibility for maintaining the security of their passwords, wallet credentials, recovery phrases, devices, and authentication systems. The Operator shall not be liable for lost credentials, unauthorized access, phishing incidents, cybersecurity attacks, user negligence, incorrect transfers, or external wallet failures. Blockchain-related transactions may be irreversible.

7. ECOSYSTEM PARTICIPATION REWARDS

The ecosystem may provide participation-based incentives depending on ecosystem activity and operational conditions. Indicative rewards may under certain conditions reach approximately 0.4% equivalent daily. Such figures are purely indicative, not guaranteed, and may increase, decrease, or stop entirely. Rewards do not constitute interest, banking returns, investment income, guaranteed profits, dividend rights, or securities yields.

8. CLOUD LINK STRUCTURE

Cloud Links are community participation and coordination structures for ecosystem organization and accountability support. They are not banks, SACCOs, investment clubs, partnerships, cooperatives, or financial institutions. Participation within a Cloud Link may involve collective accountability conditions.

9. COMMISSIONER ROLE

Commissioners function solely as ecosystem coordinators and support contacts. They are not financial advisors, are not licensed investment professionals, and cannot guarantee ecosystem outcomes. Commissioners may receive variable participation incentives depending on ecosystem activity, which are discretionary and non-guaranteed.

10. ACCESS FACILITY

10.1 Nature and Purpose. The Access Facility is an internal ecosystem participation mechanism designed for operational ecosystem participation and shall not be interpreted as a bank loan, consumer credit, regulated lending product, savings facility, deposit-taking arrangement, or guaranteed liquidity mechanism. Nothing within the Access Facility creates borrower-lender relationships, fiduciary obligations, or guaranteed access rights.

10.2 Eligibility Requirements. To qualify, Users may be required to satisfy conditions including active participation within a Cloud Link, continuous ecosystem participation, positive participation history, compliance with ecosystem rules, and verification procedures. Satisfaction of eligibility conditions does not guarantee approval or access.

10.3 Access Limits. Indicative maximum participation amounts associated with the Access Facility may reach up to KES 70,000 equivalent value unless otherwise modified, restricted, or discontinued by the Operator.

10.4 Ecosystem Participation Costs. Participation may involve costs equivalent to approximately 0.6% under certain operational conditions. Such costs are indicative only, may fluctuate, and may be modified without prior notice.

10.5 Settlement Expectations. Under standard operational conditions, participation amounts below KES 10,000 may be expected to be regularized within approximately thirty (30) days; amounts above KES 10,000 within approximately sixty (60) days. These are operational expectations only, not guaranteed contractual timelines.

10.6 Cloud Link Accountability. Where any User within a Cloud Link fails to fulfill ecosystem participation obligations, the Operator may suspend, restrict, delay, reduce, or entirely revoke Access Facility privileges affecting the entire Cloud Link. The User acknowledges and accepts that collective accountability structures constitute a fundamental operational condition of ecosystem participation.

11. WITHDRAWALS

All withdrawal functionality remains subject entirely to ecosystem operational conditions, liquidity conditions, technical conditions, participation verification procedures, operational sustainability considerations, cybersecurity considerations, compliance obligations, and fraud prevention procedures.

The Operator does not guarantee that withdrawal requests will be processed immediately, continuously without interruption, within any specific timeframe, or free from operational delays or liquidity limitations.

The Operator reserves authority to delay, restrict, or suspend withdrawals; introduce additional verification requirements; establish or modify minimum withdrawal thresholds; and modify ecosystem settlement structures. Nothing within these Terms creates guaranteed withdrawal rights, guaranteed liquidity rights, or guaranteed processing timelines.

12. MARKET RISKS

Digital asset markets are volatile and unpredictable. Users acknowledge risks including severe value fluctuations, liquidity shortages, market collapse, regulatory intervention, technological disruption, and loss of ecosystem value. Users may lose all value associated with participation.

13. DISCLAIMERS

The ecosystem is provided strictly on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permitted by law, the Operator disclaims all warranties, guarantees, and representations, whether express or implied, including those relating to availability, reliability, security, profitability, market value, performance, accuracy, and functionality. Participation occurs entirely at the User's own risk.

14. LIMITATION OF LIABILITY

To the fullest extent permitted under applicable law, the Operator shall not be liable for any form of direct, indirect, incidental, consequential, punitive, exemplary, or special loss, liability, damage, or expense arising directly or indirectly from participation within the ecosystem — regardless of legal theory and regardless of whether the alleged liability arises from contractual claims, negligence, technology failures, blockchain disruptions, cybersecurity incidents, market volatility, participation interruptions, liquidity shortages, delayed withdrawals, account restrictions, or ecosystem restructuring.

Where liability cannot legally be excluded, the total aggregate liability of the Operator shall be limited to the minimum amount required under applicable law.

15. NON-RELIANCE STATEMENT

Users confirm that participation decisions are based solely on independent judgment and that they have not relied upon informal promises, social media discussions, community statements, marketing language, or projected ecosystem values. No statement by the Operator, Commissioners, or community members shall create legally enforceable guarantees of profits or returns.

16–19. ELECTRONIC CONSENT, ANTI-FRAUD, SUSPENSION POWERS & INDEMNIFICATION

By accessing the ecosystem, the User consents to electronic records and digital communications. The Operator reserves broad authority to monitor, investigate, suspend, restrict, or terminate participation for fraud prevention, compliance monitoring, risk management, security protection, identity verification, or suspicious activity review. Users agree to indemnify and hold harmless the Operator against claims, damages, losses, liabilities, penalties, or expenses arising from violation of these Terms, illegal conduct, fraudulent activity, or misuse of the ecosystem.

20. GOVERNING LAW

These Terms shall be interpreted in accordance with the laws of Kenya where applicable.

21. FINAL RISK DISCLOSURE

Users acknowledge that digital asset participation carries substantial risk; ecosystem value may decline entirely; regulatory changes may affect operations; liquidity may disappear; technology failures may occur; and rewards may stop permanently. No governmental guarantee, insurance protection, banking protection, or compensation mechanism exists. Users participate entirely at their own discretion and risk.

22. FINAL ACKNOWLEDGEMENT

By accessing, participating in, or otherwise interacting with the ecosystem, the User irrevocably confirms that the User has carefully reviewed these Terms; participation is voluntary; no profits are guaranteed; risks have been independently evaluated; the User accepts full responsibility for participation decisions; and the User accepts the possibility of partial or total loss.

23. DATA PROTECTION

The Operator may collect, store, process, analyze, retain, and utilize User-related information including identification details, participation records, transactional activity, device information, usage behavior, and compliance-related documentation for purposes of maintaining, operating, securing, improving, and sustaining the Grant Coin ecosystem.

Such information may be shared with third-party service providers, compliance partners, identity verification entities, cybersecurity service providers, and audit participants for purposes including KYC procedures, AML screening, fraud detection, technical maintenance, dispute resolution, compliance with lawful requests, and ecosystem planning activities.

24–38. ADDITIONAL PROVISIONS

• Privacy: Electronic systems may involve cybersecurity risks. No digital system can guarantee absolute security.
• Third-Party Services: The Operator bears no liability for third-party platform, wallet, payment system, or blockchain infrastructure failures.
• Blockchain Risks: Users acknowledge risks associated with blockchain technology including delays, congestion, smart contract vulnerabilities, forks, and network attacks.
• Smart Contracts: Smart contracts may contain bugs, vulnerabilities, or coding errors. Users participate at their own risk.
• Liquidity: The Operator makes no guarantee that Users will be able to convert ecosystem value into external value at any time.
• Tax Responsibility: Users remain solely responsible for determining and fulfilling any tax obligations arising from participation.
• User Conduct: Users shall not engage in fraud, misrepresentation, unauthorized access, illegal conduct, community abuse, or ecosystem manipulation.
• KYC/AML: The Operator may require identity verification at any time. Users must not use the ecosystem for money laundering, terrorism financing, or unlawful financial conduct.
• Source of Funds: Users confirm that all funds utilized within the ecosystem originate from lawful sources.
• Sanctions Compliance: Users confirm they are not participating in violation of sanctions laws applicable within relevant jurisdictions.
• No Employment Relationship: Participation does not create employment, agency, partnership, or joint venture relationships.
• No Fiduciary Duty: The Operator owes no fiduciary duty to Users unless expressly required under applicable law.
• Intellectual Property: All ecosystem branding, systems, software, logos, and materials remain the property of the Operator.

39–64. GENERAL PROVISIONS

• Termination: The Operator may terminate participation rights where reasonably necessary. Users may request closure of participation accounts subject to operational conditions.
• Force Majeure: The Operator shall not be liable for circumstances beyond reasonable control.
• Reward Modifications: Reward structures may be modified, reduced, suspended, or discontinued.
• No Insurance Coverage: No insurance or compensation scheme protects ecosystem participation.
• Entire Agreement: These Terms constitute the complete operational agreement concerning participation.
• Severability: Invalid provisions shall not affect remaining provisions.
• Waiver: Failure to enforce provisions shall not constitute waiver of rights.
• Electronic Records: Electronic records maintained by the Operator may constitute participation evidence.