Terms of Use

By accessing or using the Yieldera platform at https://yieldera.co.zw, or the Yieldera mobile applications ("Yieldera Claims", "Yieldera Field Audit"), you agree to be bound by these Terms of Use ("Terms") and our Privacy Policy, which is incorporated by reference.

If you are using Yieldera on behalf of an organisation (a bank, insurer, agribusiness, or other entity), you represent and warrant that you have the authority to bind that organisation to these Terms. In that case, "you" refers to both you personally and that organisation.

If you do not agree to these Terms, you must not access or use the Yieldera platform or mobile applications.

Yieldera is an enterprise agricultural risk intelligence platform that provides:

• Geospatial field mapping and satellite-derived crop condition monitoring (NDVI, WRSI, evapotranspiration)
• Parametric insurance index calculation, trigger management, and claims workflow automation
• Loss assessment tools for field assessors, including offline-capable mobile applications
• Actuarial reporting and PDF generation for agricultural insurance portfolios
• Risk scoring, climate exposure analysis, and frost monitoring services
• AI-assisted field insights via the Scout assistant

The platform is made available as a Software-as-a-Service (SaaS) solution. Access is provisioned by Yieldera to authorised institutional clients and their designated users. The platform is not a consumer product and is not publicly accessible without an active account provisioned by an institutional administrator.

Yieldera reserves the right to modify, enhance, or discontinue any feature or component of the platform at any time with reasonable notice to affected institutional clients.

Who May Use Yieldera

Yieldera is intended exclusively for use by:

• Institutional clients — banks, insurers, reinsurers, agribusinesses, and development finance institutions that have executed a Master Services Agreement with Minerva Risk Advisors
• Authorised staff of those institutions — administrators, underwriters, relationship managers, and risk analysts whose accounts are provisioned by an institutional administrator
• Field assessors and field officers appointed by institutional clients to conduct loss assessments and field audits

You must be at least 18 years of age to use Yieldera. By using the platform, you represent that you meet this requirement and are using the platform in a professional capacity.

Account Provisioning

All user accounts are provisioned by institutional administrators. Self-registration is not available. Accounts are role-scoped: each user receives access only to the features and data appropriate for their assigned role (Admin, Assessor, Field Officer, Insurer/Bank, Farmer).

Yieldera operates entity-level data isolation. Users may only access data belonging to their own organisation unless explicitly granted cross-entity access by a platform administrator.

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity that occurs under your account, whether or not authorised by you
• Notifying Yieldera immediately at [email protected] if you suspect unauthorised access to your account
• Ensuring your credentials are not shared with other individuals
• Keeping your contact information and role details up to date with your institutional administrator

Yieldera will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.

Yieldera uses JWT-based authentication with short-lived tokens. Sessions that are inactive for 30 minutes are automatically terminated for security. You may be required to re-authenticate periodically.

Permitted Use

You may use Yieldera solely for the legitimate agricultural risk management purposes for which your account was provisioned, in accordance with your institution's agreement with Yieldera and all applicable laws and regulations.

Prohibited Conduct

You must not:

• Use the platform to process data for any purpose other than the agricultural risk management functions it was designed for
• Attempt to access, read, copy, modify, or delete data belonging to other organisations or users
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of any Yieldera software or API
• Scrape, harvest, or extract data from the platform using automated means other than Yieldera's sanctioned API integrations
• Introduce malware, viruses, or any malicious code to the platform or its infrastructure
• Conduct penetration testing, vulnerability scanning, or security assessments against Yieldera infrastructure without prior written authorisation from Yieldera
• Use the platform to transmit spam, fraudulent communications, or any content that is unlawful, defamatory, or deceptive
• Resell, sublicense, or transfer access to the platform to any third party not covered by your institution's MSA
• Use Yieldera in any way that violates applicable insurance regulations, agricultural law, or data protection legislation in any jurisdiction where your institution operates
• Circumvent, disable, or interfere with any security, access control, or technical protection mechanism of the platform

Yieldera reserves the right to monitor use of the platform for security, compliance, and performance purposes. Suspected violations of this policy may result in immediate account suspension pending investigation.

Your Data

Data you upload to Yieldera — including farmer records, field boundaries, assessment results, and associated documents — remains the property of your institution (the Data Controller). Yieldera processes this data solely as a Data Processor in accordance with your institution's instructions and the executed Data Processing Agreement.

Yieldera does not sell, license, or commercialise your institution's data or the personal data of farmers within your portfolio. Aggregated, anonymised, and de-identified data may be used by Yieldera for platform improvement, actuarial model calibration, and research purposes, provided no individual or institution can be identified from such data.

Satellite & Third-Party Data

Satellite imagery and derived indices (NDVI, WRSI, ETo, frost probability) are sourced from licensed third-party satellite and climate data providers. You may not extract, redistribute, or commercialise satellite-derived data obtained via the Yieldera platform.

Confidentiality

You agree to treat all non-public information about Yieldera's platform architecture, algorithms, pricing, and business operations as confidential and not to disclose it to third parties without Yieldera's prior written consent.

The Yieldera platform, including its software, algorithms, actuarial models, user interface designs, documentation, trademarks, and all associated intellectual property, is owned by or licensed to Minerva Risk Advisors. Nothing in these Terms transfers any ownership interest in Yieldera's intellectual property to you.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the platform solely for the purposes and within the scope described in these Terms and your institution's MSA. This licence terminates automatically if your account is suspended or terminated, or if your institution's MSA expires or is terminated.

Reports, PDF outputs, and data exports generated by Yieldera on behalf of your institution are licensed to your institution for its internal business purposes. You may not redistribute Yieldera-branded reports to third parties without prior written consent.

The Yieldera name, wordmark, and logo are trademarks of Minerva Risk Advisors. You must not use them without prior written permission.

Satellite-Derived Data

NDVI, WRSI, ETo, frost probability, and other satellite-derived indices are computed from remote sensing data that has inherent limitations including cloud cover, sensor noise, atmospheric interference, and temporal resolution constraints. Yieldera makes no warranty that these indices accurately represent ground-truth conditions at any specific location or point in time.

Actuarial & Risk Outputs

Loss estimates, risk scores, and parametric trigger determinations produced by Yieldera are based on statistical models calibrated on historical data. Past performance of these models does not guarantee future accuracy. Yieldera's outputs must not be used as the sole basis for underwriting, claims settlement, or reinsurance decisions without independent professional review.

Platform Availability

Yieldera provides the platform on an "as available" basis. While Yieldera targets high availability, it does not guarantee uninterrupted access. Planned maintenance, emergency fixes, or infrastructure events may cause temporary unavailability. The Yieldera mobile applications include offline-first functionality specifically designed to preserve productivity during connectivity outages.

No Professional Advice

Yieldera does not provide legal, financial, insurance, agronomic, or investment advice. All content on the platform is provided for informational and operational support purposes only. You should seek independent professional advice for any decisions with material financial or legal consequences.

To the maximum extent permitted by applicable law, Minerva Risk Advisors and its directors, officers, employees, contractors, and licensors shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, business opportunity, or goodwill
• Losses arising from reliance on satellite-derived indices, risk scores, or actuarial outputs produced by the platform
• Losses arising from platform unavailability, data synchronisation delays, or connectivity issues
• Losses arising from unauthorised access to your account due to your failure to maintain credential security

Whether or not Yieldera has been advised of the possibility of such damages, and regardless of the theory of liability (contract, tort, strict liability, or otherwise).

To the extent liability cannot be excluded by law, Yieldera's total aggregate liability to you or your institution in respect of any claim arising under or in connection with these Terms shall not exceed the total fees paid by your institution to Yieldera in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits Yieldera's liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

You agree to indemnify, defend, and hold harmless Minerva Risk Advisors and its directors, officers, employees, and contractors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your violation of these Terms
• Your misuse of the Yieldera platform or mobile applications
• Your violation of any applicable law or regulation
• Any data you upload to the platform that infringes a third party's rights or violates applicable data protection law
• Your institution's failure to obtain appropriate consents from farmers and field agents whose data is entered into the platform

Suspension by Yieldera

Yieldera may suspend or terminate any user account or institutional access immediately and without prior notice if:

• There is a suspected or confirmed security incident involving the account
• The account is used in violation of the Acceptable Use Policy in Section 5
• Your institution's MSA has expired, been terminated, or fees are in arrears
• Yieldera is required to do so by applicable law, court order, or regulatory direction

Where suspension is for a suspected policy violation, Yieldera will investigate and restore access if the violation is not confirmed, or notify the institutional administrator of its findings.

Termination by You

Individual users may request account deactivation through their institutional administrator. Institutional clients may terminate their MSA in accordance with its terms.

Effect of Termination

Upon termination of an institutional MSA, Yieldera will retain data in accordance with its data retention policy (see Privacy Policy — Data Retention) and provide a data export on request before final deletion. Sections 6, 7, 9, 10, and 12 of these Terms survive termination.

These Terms are governed by and construed in accordance with the laws of Zimbabwe, without regard to its conflict of law principles.

Any dispute arising from or in connection with these Terms that cannot be resolved amicably within 30 days of written notice shall be referred to binding arbitration in Harare, Zimbabwe, conducted under the rules of the Arbitration Act (Chapter 7:15 of the Laws of Zimbabwe). The language of arbitration shall be English. The arbitrator's decision shall be final and binding on both parties.

Nothing in this clause prevents either party from seeking urgent injunctive or other interim relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

For institutional clients operating under South African law, the parties agree that POPIA-related disputes may additionally be referred to the South African Information Regulator. For EU/UK data subjects, GDPR-related disputes may be referred to the relevant supervisory authority.

Yieldera may update these Terms from time to time. When we make material changes, we will:

• Update the "Effective" and "Last reviewed" dates at the top of this page
• Notify institutional clients via email and the platform dashboard announcement system
• For changes that materially affect user rights or obligations, provide at least 30 days notice before the changes take effect

Continued use of the platform after the effective date of updated Terms constitutes acceptance of the revised Terms. If your institution does not agree to material changes, it may terminate its MSA in accordance with its terms before the changes take effect.

The current version of these Terms is always available at https://yieldera.co.zw/terms and within the Settings section of the Yieldera mobile applications.

For questions about these Terms, to report a suspected violation, or for any legal enquiries, please contact: