Terms of Service

Effective date: 1 May 2026. Last updated: 4 May 2026.

1. Acceptance of Terms

Welcome to Panuka AgriBiz Hub ("Panuka", "we", "our", "us").

By accessing or using:

• Our website
• Mobile applications
• AI advisory tools (including Panuka AI)
• Any related services

You agree to be bound by these Terms of Service ("Terms"). If you do not agree, you may not use the platform.

2. Description of Services

Panuka AgriBiz Hub provides a digital platform that includes:

• AI-powered agricultural advisory (Panuka AI)
• Farmer data management tools
• Marketplace and service provider connections
• Financial and operational tools for agribusiness

We reserve the right to modify, suspend, or discontinue any part of the service at any time.

3. User Accounts

3.1 Registration

To use certain features, you must create an account and provide accurate information.

You agree to:

• Keep your credentials secure
• Provide truthful and up-to-date information
• Notify us of unauthorized access

3.2 Account Responsibility

You are responsible for all activities under your account.

Panuka is not liable for losses resulting from unauthorized use due to failure to safeguard credentials.

4. Use of the Platform

You agree to use Panuka lawfully and responsibly.

You must NOT:

• Provide false or misleading data
• Use the platform for fraudulent or illegal activities
• Attempt to access systems without authorization
• Interfere with platform performance or security
• Reverse engineer or misuse AI systems

5. AI Advisory Disclaimer

Panuka AI is a powerful tool, but not an oracle carved in stone.

• AI-generated insights are informational and advisory only
• They do not replace professional agricultural, financial, or legal advice
• Decisions made based on AI outputs are your responsibility

Panuka is not liable for outcomes resulting from reliance on AI recommendations.

6. Data and Privacy

Your use of Panuka is also governed by our Privacy Policy.

By using the platform:

• You consent to data collection and processing as described
• You retain ownership of your data
• You grant Panuka rights to use data to provide and improve services

(See Privacy Policy for full details, including AI data usage and consent.)

7. Payments and Transactions

Where applicable:

• Users may pay for services, subscriptions, or marketplace transactions
• All payments must be made through approved channels
• Fees are non-refundable unless stated otherwise

Panuka is not responsible for disputes between users and third-party service providers.

8. Third-Party Services

Panuka may connect you with third parties such as:

• Input suppliers
• Financial institutions
• Service providers

We do not control or guarantee third-party services and are not liable for their actions.

9. Intellectual Property

All platform content, including:

• Software
• Design
• Branding
• AI models and outputs

Is owned by or licensed to Panuka.

You may not:

• Copy, reproduce, or distribute content without permission
• Use Panuka's intellectual property for commercial purposes without authorization

10. Service Availability

We aim for reliability, but no platform is immune to the occasional storm.

Panuka does not guarantee:

• Continuous, uninterrupted access
• Error-free operation
• Real-time data availability (especially in offline-first scenarios)

11. Offline-First Functionality

Panuka may allow offline usage in limited scenarios.

By using offline features:

• Data may be stored locally on your device temporarily
• Synchronization occurs when connectivity is restored
• You are responsible for ensuring your device security

Panuka is not liable for data loss due to device issues or delayed synchronization.

12. Limitation of Liability

To the fullest extent permitted by law:

Panuka shall not be liable for:

• Indirect or consequential damages
• Loss of profits, data, or business opportunities
• Decisions made based on platform or AI outputs

Your use of the platform is at your own risk.

13. Indemnification

You agree to indemnify and hold Panuka harmless from any claims arising from:

• Your misuse of the platform
• Violation of these Terms
• Infringement of third-party rights

14. Termination

We may suspend or terminate your account if you:

• Violate these Terms
• Engage in harmful or illegal activity
• Misuse the platform

You may also stop using the platform at any time.

15. Governing Law

These Terms are governed by the laws of:

• Republic of Zambia

Any disputes shall be resolved in Zambian courts unless otherwise agreed.

16. Changes to Terms

• We may update these Terms from time to time
• Changes will be posted on this page
• Continued use of the platform constitutes acceptance of updates

17. Contact Information

18. AI-Specific Terms (Recommended for Panuka)

18.1 AI Usage Boundaries

You agree not to:

• Use AI outputs for unlawful purposes
• Attempt to manipulate or exploit AI systems
• Use outputs to train competing systems without permission

18.2 Feedback and Improvements

If you provide feedback:

• You grant Panuka the right to use it without restriction
• No compensation is owed for improvements derived from feedback