Terms of Service

1. Acceptance of Terms

By using the Kisaanu website and mobile application (collectively 'Platform'), you agree to these Terms of Service. If you do not agree to these terms, please do not use the Platform.

2. User Eligibility

To use Kisaanu, you must meet the following conditions:

• Be an Indian farmer, landowner, or agriculture-related individual
• Possess valid Aadhaar records
• Be at least 18 years of age
• Provide accurate and complete information

3. Account Registration

When creating an account on Kisaanu, you agree to:

• Provide accurate personal, agricultural, and financial information
• Consent to share Aadhaar, PAN, land records, and bank details (where necessary)
• Keep your account information updated
• Keep your password confidential
• Not impersonate any other person or entity

4. Data Submission

When using the Platform, you may share the following sensitive information:

You provide this data voluntarily and authorize Kisaanu to use it to assist you with loans, subsidies, and platform services.

5. Platform Features

Kisaanu provides the following features:

• Personal Dashboard - Displays your agricultural information, loan applications, and subsidy status
• Loans & Subsidies - Access to government-sponsored loans and subsidy programs
• Weather & Market Updates - Current weather, crop prices, and market rates
• Expert Support - Direct assistance and advice from agricultural experts
• Partnership Resources - Land leasing, buying-selling, and partnership opportunities

5A. Rent Mango Tree programme terms

• Rent Mango Tree is only for the mango tree rental journey and not for multi-fruit tree ownership.
• The ₹500 pre-booking hold is refundable before final tree confirmation and can be adjusted into the selected package after confirmation.
• Fruit timelines depend on tree maturity, orchard health, season, and operational capacity.
• Rent Mango Tree bookings are mango-specific; TreeOwn is a separate programme for premium multi-fruit ownership.

5B. TreeOwn programme terms

• TreeOwn is the long-term ownership path for premium fruit trees such as mango, litchi, sapota, guava, and papaya.
• Plans are normally structured in 5-year blocks up to 30 years; papaya is available only up to 2 years and banana is currently not included in this programme.
• The owner participates in a fair-share fruiting model, where up to 60% of realised fruiting may be allocated for home delivery in raw or semi-ripe form.
• Tree naming, assignment records, plan tenure, and produce handling become part of the programme record.

6. Use Restrictions

You may not:

• Misuse another person's personal or financial information
• Engage in fraud, forgery, or illegal activities
• Attempt to breach or hack the Platform's security
• Gain unauthorized access to another user's account
• Share spam, abusive, or illegal content
• Violate third-party intellectual property rights

7. Liability & Disclaimers

Kisaanu is not responsible for:

• Damages caused by inaccurate, incomplete, or outdated information
• Loan application rejections or delays in approval
• Actions of third parties (banks, government agencies)
• Platform service interruptions or outages

8. Intellectual Property

All Kisaanu content, design, and technology (website, mobile app, dashboard interface) are owned by or licensed to Kisaanu. You may not republish, modify, or distribute it without permission.

9. Right to Modify

Kisaanu may modify these terms, policies, or services at any time. For significant changes, we will notify you via email or app notification. Continued use of the Platform after changes constitutes acceptance.

10. Termination

Kisaanu may suspend or terminate any account at any time without prior notice if you violate these terms. You may delete your account at any time.

11. Governing Law

These terms are governed by Indian law. All disputes shall be resolved in Indian courts.

12. Contact Us

If you have questions about these terms, please contact us: