1 General Disclaimer

The information provided on agrinofy.com and all associated Agrinofy sub-brand platforms — including BeejGhor, Farmsfy, CharaGhor, Agrinofy Seed, Agrinofy Exim, Agrinofy EACS, Agrinofy Pay, Musharaka Fund, Rawdatul Ard, Agrinofy Weekly, and AIAI Institute — is for general informational and educational purposes only.

While Agrinofy Ltd. and Agrinofy LLC make every reasonable effort to ensure the accuracy, reliability, and completeness of the information published on our platforms, we make no warranties or representations — express or implied — about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related content.

2 Agricultural Advice Disclaimer

Agrinofy publishes agricultural guidance, farming tips, cultivation guides, crop calendars, and agri-tech recommendations across our blog (“কৃষি কথা”), product descriptions, social media, and sub-brand platforms. This content is provided for general educational purposes only and does not constitute professional agricultural consulting.

Please Note:

• Agricultural outcomes are influenced by many factors beyond our control, including soil type and quality, local climate and weather conditions, irrigation and water management, pest and disease pressure, farming practices and experience, and seasonal variations.
• Our cultivation guides and farming recommendations are based on general best practices and may not be suitable for every region, soil type, or specific farming context in Bangladesh or internationally.
• We strongly recommend consulting a qualified agricultural extension officer, agronomist, or the Bangladesh Agricultural Development Corporation (BADC) before making significant farming decisions based on our content.

3 Seed & Crop Performance Disclaimer

Agrinofy Seed and BeejGhor offer lab-tested, high-germination seeds with quality certifications. While we take every precaution to ensure seed quality, the following disclaimer applies to all seed products sold on our platforms:

Factors Affecting Seed Performance Include:

• Soil conditions — pH level, organic matter, drainage, and fertility
• Climate and weather — rainfall, temperature fluctuations, drought, or flooding
• Planting practices — depth, spacing, timing, and seed treatment
• Irrigation management — over or under-watering
• Fertilizer and pesticide application — type, quantity, and timing
• Pest and disease pressure — local insect, fungal, or bacterial conditions
• Post-harvest handling — storage conditions after harvest

Germination rates stated on seed packaging are based on controlled laboratory conditions and may differ from field germination rates. Our cultivation guides (accessible via QR code on each pack) provide recommended best practices — following these guides maximizes the chance of success but does not guarantee specific results.

4 Investment & Financial Disclaimer

Any financial or investment-related content published on agrinofy.com, our social media channels, blog posts, newsletters (Agrinofy Weekly), or marketing materials is provided for general informational purposes only and does not constitute financial advice, investment advice, or a recommendation to buy, sell, or hold any investment.

• Agrinofy Ltd. and Agrinofy LLC are not licensed financial advisors, investment managers, or securities brokers.
• Past financial performance mentioned on our platforms — of any product, investment, or business — does not guarantee future results.
• Agricultural investments carry inherent risks including crop failure, price volatility, weather events, and regulatory changes.
• You should consult a qualified financial advisor or investment professional before making any investment decision based on information from our platforms.

5 Musharaka Fund Disclaimer

The Agrinofy Musharaka Fund (fund.agrinofy.com) operates as a Shariah-compliant, profit-and-loss sharing investment initiative. The following specific disclaimers apply to the Musharaka Fund:

Risk Disclosures — Musharaka Fund:

• No guaranteed returns: This is a profit-and-loss sharing arrangement. Returns are not fixed, guaranteed, or promised. You may receive less than your invested capital.
• Capital at risk: You may lose part or all of your invested capital if the underlying agricultural venture performs below expectations.
• Agricultural risk: Fund performance is directly tied to agricultural outcomes, which are subject to weather, pest, market price, and operational risks.
• Liquidity risk: Investments in the Musharaka Fund may not be easily liquidated before the agreed investment term.
• Regulatory risk: Changes in Bangladesh’s financial regulations or agricultural policies may affect fund operations.
• Not a deposit: This fund is not a bank deposit and is not protected under any deposit insurance scheme.

Full investment terms, profit distribution methodology, and risk factors are detailed in the Musharaka Fund Investment Agreement provided to investors upon onboarding. Please read that document carefully before investing.

6 Website Content Disclaimer

The content on our website — including text, images, videos, infographics, product descriptions, and blog posts — is published in good faith and for general information only. Agrinofy makes no warranty as to:

• The completeness, accuracy, or timeliness of the content
• The fitness of the content for any particular purpose
• Whether the content is free from errors, inaccuracies, or outdated information

Pricing & Product Information

Product prices, availability, and specifications displayed on our platforms are subject to change without notice. While we make every effort to ensure prices are accurate, errors may occasionally occur. In the event of a pricing error, we reserve the right to cancel orders placed at incorrect prices with a full refund.

Agricultural Market Information

Any market price data, agricultural commodity prices, or market trend information published on our platforms (including Agrinofy Weekly) is sourced from publicly available data and is provided for informational purposes only. This data should not be used as the sole basis for commercial trading or business decisions.

7 External Links Disclaimer

Our website and blog content may contain links to third-party websites, resources, government portals, research publications, or partner organizations. These links are provided for your convenience and informational value only.

• Agrinofy does not endorse, control, or take responsibility for the content, accuracy, or availability of any linked third-party website.
• The inclusion of any link does not imply a recommendation or endorsement of that website or its content.
• Third-party websites have their own terms, privacy policies, and cookie policies — we encourage you to review them before using those sites.
• Agrinofy is not liable for any loss or damage arising from your use of or reliance on any third-party website linked from our platforms.

8 Testimonials & Reviews Disclaimer

Agrinofy may display customer testimonials, success stories, farmer reviews, and Trustpilot ratings on our website. The following disclaimers apply:

• Testimonials reflect the individual experiences of the customers featured and are not necessarily representative of all customers’ experiences.
• Results described in testimonials — such as crop yields, germination rates, or investment returns — are individual results and may not be typical.
• Agrinofy does not claim that all customers will achieve the same results as those featured in testimonials.
• Testimonials are published voluntarily by customers and are not paid endorsements unless explicitly disclosed.
• Agrinofy reserves the right to remove testimonials that are found to be inaccurate, misleading, or in violation of our community standards.

9 Errors & Omissions Disclaimer

While Agrinofy strives for accuracy in all published content, we acknowledge that errors and omissions may occur. In the event that you identify an error on our website or in our product information:

• Please notify us at info@agrinofy.com and we will investigate and correct the error promptly.
• Agrinofy reserves the right to correct any errors, inaccuracies, or omissions at any time without prior notice.
• Corrections to product pricing errors may result in order cancellation with a full refund — we will notify you in such cases.

10 Limitation of Liability

To the maximum extent permitted by the laws of Bangladesh and any other applicable jurisdiction, Agrinofy Ltd., Agrinofy LLC, their directors, employees, partners, agents, and affiliates shall not be held liable for:

• Any direct, indirect, incidental, special, or consequential loss or damage
• Loss of profits, revenue, data, goodwill, or business opportunities
• Agricultural losses arising from reliance on our advice, seeds, or products
• Financial losses from investment decisions based on our content
• Losses from the Musharaka Fund due to agricultural or market underperformance
• Losses arising from the use of or inability to access our platforms
• Losses arising from unauthorized access to user accounts or data
• Any action taken based on content published on our website, blog, newsletter, or social media

11 Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the People’s Republic of Bangladesh. Any disputes arising from or relating to this Disclaimer shall be subject to the exclusive jurisdiction of the competent courts of Chattogram, Bangladesh.

For users outside Bangladesh accessing our platforms through Agrinofy LLC or Agrinofy Exim, applicable international law and the laws of Wyoming, USA may also apply where relevant.

This Disclaimer should be read in conjunction with our:

• Privacy Policy
• Terms & Conditions
• Refund & Returns Policy
• Shipping Policy
• Cookie Policy

12 Contact Us

If you have any questions about this Disclaimer or wish to report any inaccuracy on our platforms, please contact us:

Data Controller & Legal Representative:
Mosrur Zunaid, Founder & CEO, Agrinofy Ltd.
Alir Ba Bari, Purbo Gatiadanga, Satkania, Chattogram, Bangladesh.

© 2025–2026 Agrinofy Ltd. All rights reserved.