Terms, Conditions & Disclosures

papaya.farm operates an agricultural revenue participation platform. Participants ('Sponsors') provide funding for papaya plant cultivation in exchange for a share of the gross revenue realised from the sale of produce from those plants.

This arrangement is NOT a deposit, fixed-return investment, portfolio management scheme, or any financial product regulated under the Securities and Exchange Board of India (SEBI) Act, 1992, the Reserve Bank of India Act, 1934, or any other financial regulation.

papaya.farm is an agricultural operations and facilitation business. Participation constitutes an agri revenue sharing arrangement, not a loan, debenture, or equity instrument.

Agricultural operations are inherently subject to risk, including but not limited to: adverse weather events, pest or disease outbreaks, fluctuations in wholesale market prices, logistics disruptions, and natural disasters.

Returns under the Agri Revenue Participation Agreement depend entirely on actual harvest yields and the price at which produce is sold at the time of harvest. papaya.farm makes no representation, warranty, or guarantee regarding the quantum of revenue that will be generated in any given season.

Sponsors may receive returns less than the amount sponsored, including in extreme cases receiving no return whatsoever, if the crop fails or market prices fall significantly.

Past performance of any farm or any prior harvest does not constitute a guarantee or prediction of future outcomes.

By participating, Sponsors expressly acknowledge and accept these risks.

The revenue split is 80% to the Sponsor and 20% to papaya.farm ('Service Fee') of the gross revenue realised from the sale of produce attributable to the Sponsor's plants.

The Service Fee of 20% covers: farm operations, crop management, harvest coordination, produce sale, quality grading, transportation to market, and platform administration.

Revenue attribution to individual Sponsors is calculated on a per-plant basis proportionate to the total plant population in the relevant farm batch.

Payouts are made via bank transfer to the Sponsor's registered bank account. papaya.farm does not make payouts via cash or bearer instruments.

The harvest cycle for papaya is approximately annual. Payouts are processed after produce is sold and proceeds are received by papaya.farm, typically within 30 days of the final sale of the batch.

The price per plant is ₹100 (one hundred Indian rupees) per plant as of the date of these terms. papaya.farm reserves the right to revise this price for future sponsorships with notice.

A maximum of 1,000 plants may be sponsored per UPI transaction due to the ₹1,00,000 per-transaction limit under NPCI guidelines. Sponsors may transact multiple times without an upper overall cap.

Once a sponsorship payment is received and confirmed, the sponsorship is binding. Plants sponsored are allocated to a specific farm batch. Cancellation or refund requests after allocation are not accepted.

Sponsors must provide a valid Indian mobile number for OTP-based verification and a valid bank account for payouts.

papaya.farm enters into bilateral Contract Farming Agreements with farmers who wish to cultivate papaya on their own land for sale to papaya.farm at pre-agreed terms.

Such agreements specify: crop variety, cultivation standards, offtake commitment quantity, farm-gate price formula, payment timeline, and dispute resolution mechanism.

The contract farming relationship is between papaya.farm and the farmer as independent parties. Farmers are not employees, agents, or partners of papaya.farm.

papaya.farm's offtake commitment is conditional on produce meeting the agreed quality standards. Produce failing quality checks may be rejected or repriced by mutual agreement.

All contract farming arrangements are documented in a written agreement signed by both parties and governed by Indian law.

papaya.farm may enter into registered lease agreements with landowners for agricultural land use for papaya cultivation.

Lease agreements specify: lease term (typically 3–5 years), annual rent per acre, payment schedule (quarterly or annually), permitted land use (agricultural only), and conditions for return of land at lease end.

Lease rent is fixed and is not linked to crop yields, market prices, or papaya.farm's revenue. The landowner receives the agreed rent regardless of farm performance.

Land is used exclusively for agricultural purposes. No permanent structures, industrial activity, or sub-leasing is permitted without written consent.

At the expiry or termination of the lease, papaya.farm will return the land in a cultivable agricultural condition. papaya.farm is responsible for removal of crop residues.

Lease agreements are executed as registered documents under the Registration Act, 1908 and relevant state tenancy laws.

papaya.farm supplies papaya produce to wholesale buyers, retail chains, and exporters subject to availability.

All sale prices are agreed at the time of order confirmation. Indicative prices published on this website are for reference only and do not constitute an offer.

Grade specifications (Grade A, B, C) are defined by papaya.farm and communicated to buyers prior to each transaction. Produce is graded at the farm and documented on the delivery challan.

Risk of loss or damage passes to the buyer at the point of delivery as agreed in each transaction.

Export sales are subject to applicable Indian export regulations. Buyers are responsible for compliance with import regulations in their destination country.

papaya.farm does not warrant that produce will meet any specific buyer's quality standards beyond the grade specifications agreed at time of order.

papaya.farm collects mobile numbers, bank account details, and usage data solely for the purpose of providing the platform services described on this website.

Mobile numbers are used for OTP-based authentication and account communication. Bank account details are used exclusively for processing revenue payouts.

papaya.farm does not sell, rent, or share personal data with third parties for marketing purposes.

Data is stored on secure servers. Access is restricted to authorised personnel only.

Users may request deletion of their account data by contacting papaya.farm via WhatsApp. Upon verified deletion request, personal data will be removed within 30 days except where retention is required by law (e.g., financial records under the Companies Act or GST regulations).

This platform uses session storage (browser-side) to maintain login state within a browser session. No persistent tracking cookies are deployed.

Agricultural income in India is generally exempt from income tax under Section 10(1) of the Income Tax Act, 1961. The revenue received by Sponsors under the Agri Revenue Participation Agreement may qualify as agricultural income.

papaya.farm does not provide tax advice. The tax treatment of revenue participation receipts depends on individual circumstances including the nature of the arrangement, applicable surcharges, and state laws.

Sponsors are strongly advised to consult a qualified Chartered Accountant (CA) regarding the tax treatment of amounts received under this arrangement.

papaya.farm will provide payment records and revenue breakdown statements to Sponsors for the purpose of their own tax filing.

These terms and all arrangements described on this website are governed by the laws of India.

Any dispute arising out of or in connection with these terms, or any transaction or arrangement entered into through this platform, shall be subject to the exclusive jurisdiction of the courts at Tirupati, Andhra Pradesh, India.

papaya.farm encourages resolution of disputes through good-faith negotiation in the first instance. Contact us via WhatsApp at +91 80313 40000.

Nothing in these terms limits any statutory right you may have under Indian consumer protection law.

papaya.farm reserves the right to modify these terms at any time. Modified terms will be published on this page with the date of the revision.

Continued use of the platform after publication of revised terms constitutes acceptance of the revised terms.

Material changes that affect existing Sponsor arrangements (e.g., changes to the revenue split or payout process) will be communicated directly to registered Sponsors.

For any queries regarding these terms, your account, or any arrangement with papaya.farm:

WhatsApp: +91 80313 40000 (https://wa.me/918031340000)

papaya.farm is operated from Tirupati, Andhra Pradesh, India.