TERMS AND CONDITIONS & PRIVACY POLICY
1. INTRODUCTION AND ACCEPTANCE
1.1 Scope of Terms
These Terms and Conditions ("Terms"), together with the Privacy Policy, constitute the complete agreement ("Agreement") between you ("User", "you", "your") and DCM Shriram Limited ("Company", "we", "us", "our"), governing your access to and use of the mobile application (collectively, the "App").
1.2 Acceptance of Terms
These Terms and Conditions, together with the Privacy Policy and any additional module-specific terms, rules, disclaimers or conditions displayed within the App, constitute the complete agreement between you and the Company governing your access to and use of the App. You are required to review and accept these Terms prior to accessing or using the App. You represent that you have the legal capacity and authority to enter into this Agreement.
1.3 Modifications to Terms
The Company may update or modify these Terms at any time, effective upon posting within the App or on the Company's website, and notify you of such updates / modifications. In the event of any material changes to these Terms, the Company will take your consent via in-App notification or email. If you do not agree to the modified Terms, you must discontinue use of the App and may request deletion of your Account in accordance with these Terms.
1.4 Relationship with Third Parties
These Terms govern only the relationship between you and the Company. The Company is not party to any sale, supply, credit or other transaction you may conduct with any Distributor, Retailer, or other third party, even if such third party is contacted or linked through the details provided in the App. The Company does not act as an agent, broker, intermediary or fiduciary for any such third party.
2. DEFINITIONS
For the purposes of these Terms, the following words and expressions shall have the meanings assigned below, unless the context otherwise requires:
“Account” means the registered user profile created within the App through which a User accesses the Services.
“App” means the mobile application, associated web interfaces, backend systems including databases and data compilations, APIs and all related services operated or made available by the Company.
“Scheme” means any promotional initiative, survey, engagement activity, contest, feedback program or incentive-based activity conducted through the App from time to time.
“Scheme Rules” means the specific eligibility criteria, timelines, earning conditions, Points allocation methodology, redemption requirements and other operational conditions applicable to a particular Scheme, as communicated within the App or through official Company communications.
“Company” means DCM Shriram Limited, including its affiliates, subsidiaries, successors and permitted assigns.
“Modules” means the individual functional components of the App, including Scan & Earn, Rewards, Shriram Doctor (Disease Diagnosis), Explore Resources, Schemes & Surveys, and any additional features introduced from time to time.
“Points” means promotional loyalty credits awarded under the Rewards Program in accordance with these Terms and applicable Scheme Rules, which have no independent monetary value except where expressly permitted under redemption mechanisms specified by the Company.
“Rewards Program” means the loyalty and incentive program operated through the App under which Users may earn, accumulate and redeem Points subject to these Terms and applicable Scheme Rules.
“Mature Points” means Points that have completed the applicable lock-in or maturity period and are eligible for redemption in accordance with these Terms.
“Immature Points” means Points that have been credited to a User’s Account but have not yet completed the applicable maturity or lock-in period and are therefore not eligible for redemption.
“Services” means all functionalities, modules, Schemes, advisory content, diagnostic tools, rewards programs and related features made available through the App.
“Submitted Content” means any photographs, videos, audio recordings, testimonials, feedback, survey responses, diagnostic images, documents or other materials uploaded or submitted by Users through the App.
“Technology Provider” means any third-party entity whose software, algorithms, APIs, analytics or technological infrastructure is integrated into the App, including providers supporting disease-diagnosis or advisory functionalities.
“User” means any individual accessing or using the App, including Farmers, Retailers, Distributors or any other category of users recognized by the Company from time to time.
“User Category” means the classification of Users as Farmers, Retailers, Distributors, Guest Users or such other categories as may be introduced by the Company.
Interpretation Rule: Words importing the singular shall include the plural and vice versa, and references to any Module, Scheme or feature shall include any successor, replacement or modified version thereof.
3. USER CATEGORIES AND ELIGIBILITY
3.1 User Categories
The App is structured to serve the following primary User categories, each subject to distinct registration procedures, features, eligibility conditions and reward rules:
1. Farmer Users (“Farmers”);
2. Retailer Users (“Retailers”); and
3. Distributor Users (“Distributors”).
3.2 Legal Competence
Use of the App is available only to: Natural persons who are at least 18 years of age and capable of forming legally binding contracts under the laws of India or applicable jurisdiction; Legal entities duly incorporated and registered in India with authority to enter into these Terms through their authorized representatives.
3.3 Right to Refuse Access
The Company reserves the right, at its sole discretion and without liability, to:
i. Refuse registration to any person or entity;
ii. Require additional KYC, documentation or verification before activation of certain features;
iii. Suspend, restrict or terminate access to any User at any time, with or without cause.
Such actions may be taken without prior notice where required for security, fraud prevention or regulatory compliance.
3.4 Geographic and Regulatory Scope
The App and Services are intended for use within India. The Company makes no representation that the App or its content is accessible in any jurisdiction outside India.
4. ACCOUNT CREATION, REGISTRATION AND ACCESS
4.1 General Account Requirements
4.1.1 To access any feature or module of the App, Users must sign up / sign in and create an account (“Account”). Anonymous or guest access is not enabled for core features.
4.1.2 You agree to:
1. provide accurate and complete information in all registration and profile fields;
2. maintain and promptly update such information; and
3. maintain the confidentiality of your login credentials and be solely responsible for all activities under your Account.
4.2 Farmer Registration
Sign-up Flow: A Farmer may register by:
1. Downloading the App and selecting "Farmer" as their user type on the role-selection screen;
2. Providing a mobile number, which will be validated via OTP;
3. Each mobile number will be linked to one Farmer Account.
4. Farmers may update their basic profile information at any time from the Account settings.
5. Farmer is responsible for ensuring that the mobile number used for registration remains active and under their control.
4.3 Retailer Registration and Verification
A Retailer may sign up by:
1. Selecting "Retailer" as their user type;
2. Providing mandatory fields: proprietor/business name, shop name/firm name, state, district, city, and associated Distributor details;
3. Creation of a Retailer Account does not automatically mean that the User is recognised as an “Authorised Retailer” of the Company. Authorised status, if any, will be subject to separate onboarding, verification and approval by the Company, and may be withdrawn at any time at the Company’s discretion. The Company may its discretion update Retailer information at any time based on internal or Distributor-provided data, the retailer irrevocably consents to such change. The Retailer acknowledges and agrees to such change, without prejudice to the Retailer's right to request correction of any inaccurate information in accordance with the Privacy Policy.
4. Additional KYC details may be requested by the Company at any time, including at the time of reward redemption, for verification and regulatory compliance purposes. Such details may include, without limitation, PAN, GSTIN or any other information or documents as may be required by the Company or applicable law. Submission and successful verification of such KYC details shall be mandatory for activation of certain modules and/or processing of any redemption request, and failure to provide or update the required KYC information may result in suspension, rejection or withholding of rewards and redemption functionality.
4.4 Distributor Access
Distributor Accounts are not available for self-sign-up. Distributors shall access the App using the mobile number registered with the Company, and all profile details shall be auto pre-filled based on the Company’s internal records.
4.5 Account Security
Users are responsible for:
1. Maintaining the confidentiality of their Account login details;
2. Not sharing OTPs or Account access with any third party;
3. Promptly notifying the Company if they suspect unauthorized access or misuse of their Account.
The Company is not responsible for unauthorized access resulting from User negligence.
4.6 Account Termination by User
Users may request deletion or deactivation of their Account through the Account settings. Upon deletion, all Points, pending redemptions and User Content may be permanently removed. The Company is not obligated to retain Account data post-deletion.
5. GENERAL USE AND USER RESPONSIBILITIES
5.1 Permitted Use: Users shall access and use the App solely for lawful purposes, in accordance with these Terms, all applicable laws, and the intended functionality of the App.
5.2 Prohibited Conduct: Users shall not misuse, interfere with, exploit, manipulate, or access the App or any part thereof in any unauthorized, unlawful, fraudulent, abusive, deceptive, or harmful manner, including any activity that:
i. violates applicable law or third-party rights,
ii. leads to copying, reproducing, or distributing Company Content,
iii. prohibits scraping, data mining, or systematic extraction,
iv. leads to removal of copyright notices, or watermarks
v. compromises the security, integrity, performance, or availability of the App,
vi. circumvents system safeguards, reward mechanisms, or Scheme controls, or
vii. results in unfair, misleading, or improper earning or redemption of Points.
5.3 Consequences of Prohibited Conduct: In case of any breach, misuse, or suspected violation, the Company may, without notice and at its sole discretion, suspend or terminate the User’s Account, reverse or forfeit Points, restrict access to services, and pursue civil, criminal, or regulatory remedies as available under law.
5.4 Compliance with Law: Users represent and warrant that their use of the App is consistent with all applicable laws, regulations, rules and directives of any governmental or regulatory authority, including rules relating to agricultural inputs, plant protection products, and consumer protection.
5.5 Customer Support: For any sign-in issues, account access concerns, redemption-related queries, module or feature-related issues, or any other queries relating to Account setup or usage, Users may contact the Company using the contact details set out under Clause 24.10 of these Terms, or through such other support channels as may be notified by the Company from time to time.
6. THE APP MODULES AND FEATURES
6.1 Overview: The App offers various modules and features (collectively, “Modules”), each with distinct functionality, operational processes, data requirements and applicable legal terms. Certain Modules may be subject to additional module-specific terms, Scheme rules or eligibility criteria communicated within the App. The current core Modules include:
1. Scan & Earn: QR code scanning and engagement activities enabling Users to earn promotional Points in accordance with applicable Scheme rules.
2. Rewards: Display, tracking, maturity and redemption of accumulated Points through available redemption mechanisms.
3. Photo Khinche, Ilaj Jaane (Disease Diagnosis): Image-based, AI-assisted identification of crop diseases and pests, subject to the Disease Diagnosis Terms.
4. Explore Resources: Informational and advisory content modules including Product Catalogue, Asli Shriram Ki Pehchan, Crop Knowledge Bank and Video Library.
5. Schemes, Surveys and Engagement Programs (“Discovery”): Promotional Schemes, surveys, contests, engagement initiatives and related participation-based reward opportunities.
6.2 Module Specific Terms: Certain Modules may be governed by additional or supplemental terms, Scheme-specific rules, eligibility conditions, reward structures or operational requirements displayed within the relevant Module. In the event of any inconsistency, the module-specific terms or Scheme rules shall apply to that Module in addition to these Terms.
6.3 Feature Availability: The Company may, at any time and without prior notice:
1. enable, disable, modify or replace any Module or feature;
2. restrict access to certain Modules based on User category, geography, regulatory requirements, Scheme periods or operational considerations;
3. suspend or discontinue any Module, Scheme, rewards program or the App entirely.
6.4 Users acknowledge that access to any Module or feature is provided on an “as available” basis, and Users shall have no vested or continuing right to the availability of any specific Module or functionality.
7. POINTS EARNING MECHANISMS
7.1 Overview
The App enables Users to earn promotional Points (“Points”) through multiple earning mechanisms, which may include:
i. Scan-based earning under the “Scan & Earn” module through scanning of eligible product codes in accordance with applicable scheme rules;
ii. Participation-based earning through completion of activities such as surveys, training modules, referrals, feedback submissions or engagement programs; and
iii. Any other earning opportunities, Schemes or incentive programs as may be introduced by the Company from time to time.
7.2 Scan Verification and Earning Rules
1. Upon completion of a scan, the code is verified through the Company’s backend systems against Scheme eligibility criteria, prior scans, packaging rules, fraud checks and other validation mechanisms. If eligible, Points will be credited to the User’s Rewards account. If ineligible or under review, the App may display status messages such as “Invalid QR”, “Already Redeemed”, “Expired”, or “Product Not Eligible” etc.
2. Points are intended to incentivize eligible retail or end-customer transactions only and shall not be awarded for wholesale transactions, stock transfers, warehouse movements, inter-dealer transfers or other non-eligible business-to-business transactions, unless expressly permitted under a specific Scheme.
3. Points are earned subject to the following conditions:
i. Points are credited only for genuine, valid and unaltered product pack codes scanned during an active Scheme;
ii. The Company may impose per-User, per-Device, per-day, per-Scheme or per-product limits on the number of eligible scans and Points earned;
iii. Such limits may be increased, decreased, suspended or removed by the Company at any time without prior notice;
iv. Each eligible product code may be scanned and redeemed for Points only once across the entire User base unless Scheme rules specifically permit otherwise;
v. Where applicable, Points shall be credited to the Account associated with the scan that is treated by the Company’s system as the valid qualifying scan (including, where applicable, the last eligible scan as determined by the Scheme logic), and the Company’s system determination in this regard shall be final and binding;
vi. The Company may determine, based on product category, packaging type or Scheme rules, whether Points are awarded on scanning outer packaging codes, primary pack codes, finished goods codes or other identifiers, and Users must follow Scheme-specific additional scanning instructions displayed in the App (if any).
7.3 Fraud Detection, Review and Point Reversal
1. The Company employs automated and manual monitoring systems to detect fraud, misuse, abuse or irregular activities, including but not limited to duplicate, counterfeit, manipulated or tampered product codes; repeated scans from the same location, Device or Account within abnormal time intervals; suspicious earning patterns; or unauthorized use of another User’s Account.
Upon detection of suspected irregularities, the Company may, at its sole discretion:
i. reject the scan immediately;
ii. mark the scan or Points as “Under Review” pending investigation;
iii. reverse or adjust previously credited Points, whether or not already reflected in the Rewards dashboard;
iv. temporarily suspend redemption or Points-earning functionality; or
v. suspend or terminate the User’s Account.
2. QR Code and Packaging Tampering: The User acknowledges that the Company's QR Code system, verification algorithms and authentication methods are proprietary and confidential, and the User shall not attempt to reverse engineer, copy or circumvent such systems. Users shall not tamper with, remove, obscure, conceal, copy, reproduce, alter, transfer, duplicate, replace, deface or otherwise manipulate any QR code, product code, sticker, label or packaging identifier used by the Company in connection with product authentication, Points earning, redemption or any other App functionality, whether such QR code or identifier is printed or affixed on a primary product pack, secondary packaging, shipper bag, carton or other outer packaging. Any such act may result in rejection or reversal of the relevant scan or Points, forfeiture of Points or rewards associated with the affected product code, suspension or termination of the User’s Account, and recovery of any losses, damages, costs or expenses suffered by the Company. The Company reserves the right to pursue such other civil, criminal or regulatory remedies as may be available under applicable law.
3. Limited Destruction of Outer Packaging QR Codes: Notwithstanding the foregoing, a Retailer or Distributor may destroy or deface a QR code printed on a shipper bag, carton or other outer packaging only after all product units contained in such shipper bag, carton or outer packaging have been sold through eligible retail transactions and the corresponding eligible Points, where applicable, have been duly credited in accordance with the applicable Scheme Rules. Such destruction shall be limited to the QR code on the relevant outer packaging and shall be carried out solely to prevent unauthorized or fraudulent scanning after completion of the relevant retail transactions. No such destruction shall be permitted in respect of a QR code on a primary product pack, or before completion of the sale of the entire contents of the relevant outer packaging. Any destruction, removal, defacement or alteration inconsistent with this Clause shall be treated as unauthorized tampering and may result in rejection or reversal of scans or Points, forfeiture of rewards, suspension or termination of the User’s Account, and such other remedies as may be available to the Company under these Terms or applicable law.
4. The Company’s backend records, validation systems and audit findings shall be final and binding for determining scan validity, Points eligibility and any reversal or adjustment of Points.
7.4 Points as Promotional Credits
Points are promotional credits provided solely at the Company’s discretion and are subject to the following conditions:
1. Points are not legal tender, deposits, stored-value instruments, securities or payment instruments;
2. Points have no independent monetary value and cannot be exchanged for cash except where expressly permitted through designated redemption mechanisms;
3. Points are non-transferable, non-assignable and may not be sold, traded or transferred to any other User;
4. The Company may modify the Points allocation applicable to any product, Scheme, activity or User category at any time, including increasing, decreasing, suspending or withdrawing Points eligibility;
5. Points may be withdrawn, capped, adjusted, forfeited or cancelled in the event of fraud detection, Scheme closure, inactivity, breach of these Terms or discontinuation of the Rewards Program;
6. The Company reserves the right to correct system errors, technical inaccuracies or incorrect Points crediting at any time.
7.5 Program Modification or Discontinuation
1. The Company reserves the right, at any time and subject to applicable law, to modify, suspend, restrict, withdraw or discontinue the Rewards Program, or any part thereof, including any Points-earning criteria, eligible products, Schemes, Points allocation methodology, scan limits, redemption mechanisms, redemption thresholds or other Program Rules.
2. The Company may also modify the eligibility of any User category, product, geography or Scheme for participation in the Rewards Program and may introduce additional conditions or restrictions from time to time.
3. Any such modification, suspension, restriction or discontinuation may be communicated through the App or such other mode as the Company may consider appropriate. The Company shall not be liable for any loss of opportunity, expected benefit or entitlement arising from any such modification, suspension or discontinuation.
8. REDEMPTION OF POINTS AND REWARDS
8.1 Redemption Overview
1. Farmers, Retailers and Distributors may redeem their accumulated Points through one or more redemption modes specified in the App, subject to eligibility criteria, maturity requirements, applicable redemption windows, KYC verification, fraud checks and operational validations as determined by the Company from time to time.
2. All reward redemptions shall be subject to deduction or withholding of applicable taxes, including tax deducted at source (TDS), in accordance with prevailing tax laws and regulations. The User shall be responsible for any tax liability arising from redemption of Points, and the Company may deduct or withhold applicable taxes at the time of processing redemption, wherever required.
3. Notwithstanding the above, the Company may, at its sole discretion and for specific Schemes, categories of Users, or promotional periods, choose to bear the TDS burden on behalf of the User. Such bearing of tax by the Company shall be purely discretionary, may be withdrawn or modified at any time, and shall not be construed as a right or entitlement of any User to claim similar treatment in the future.
4. The matured points shall be available for review under “Redeemable Balance” on Rewards Home.
8.2 Farmer Redemption
1. Eligibility: A Farmer must have accrued at least the minimum redemption threshold displayed in the rewards section of the App. Minimum and maximum redemption thresholds (if any) may be modified anytime by the Company without any prior intimation.
2. Validity Period:- Farmer Points remain valid for twenty-four (24) calendar months from the date of accrual. Upon expiry, unredeemed Points automatically lapse and are forfeited without any compensation, credit or reinstatement.
3. Redemption Modes:
i. UPI Transfer: The Farmer provides a valid UPI ID (linked to an active bank account) on the redemption screen. Upon confirmation, Points are converted to an equivalent amount (exchange rate set by the Company) and transferred to the specified UPI ID within payment processing timelines. The Company is not responsible for bank delays, rejected transfers due to incorrect UPI IDs, or account closure.
ii. Voucher Redemption: The App may display option to redeem Points for third-party vouchers (e.g., e-gift cards, amazon vouchers) subject to availability and issuer terms. The Farmer selects a voucher, redeems Points for a voucher code, and uses the code as per the voucher issuer's terms. The Company shall not be liable for expiry, rejection or disputes relating to such third party vouchers.
iii. Payment to Retailer: The Farmer may request Points redemption as a payment/credit to a linked Retailer, who will then adjust the Farmer's account accordingly. This mode requires the Retailer's explicit consent and activation in the App.
Note: In the event of any technical, operational, processing, or third-party issue affecting Voucher or Retailer-based redemption, then such redemption shall only be processed through UPI transfer mode, and the Farmer hereby irrevocably consents to such settlement. The Company’s decision in this regard shall be final and binding.
4. Redemption requests must be made in full for each redemption transaction, and partial redemption of Points shall not be permitted unless specifically enabled by the Company for any Scheme.
8.3 Retailer Redemption
1. Retailers shall be eligible to redeem Points through the same redemption modes available to Farmers (UPI/bank transfer, vouchers, or account credit mechanisms), subject to the additional conditions specified below.
2. Eligibility:- A Retailer must have completed KYC verification, including uploading and verification of PAN and any other documents mandated by the Company from time to time.
3. Maturity Period:- Points become eligible for redemption (“Mature Points”) only after completion of a lock-in period of three (3) calendar months from the date of accrual. Points that have not completed the lock-in period (“Blocked Points”) shall not be eligible for redemption and shall be displayed separately in the Rewards dashboard. Upon completion of the applicable lock-in period, the Mature Points shall be reflected in the “Redeemable Balance” on the Rewards Home screen and shall be available for redemption, subject to the applicable redemption window, KYC requirements and other conditions under these Terms and the applicable Scheme Rules.
4. Redemption Window:- Mature Points may be redeemed only during redemption windows ("Redemption Windows") notified by the Company via in-App notification, SMS, WhatsApp or email. Each Redemption Window has a fixed opening and closing date. Any redemption requests received outside the window will be rejected.
5. Redemption Mechanics:-
i. Retailers may redeem Points through available redemption modes, including transfer of redemption value or equivalent credit to a Distributor who is registered as a User on the App for settlement of outstanding dues with such Distributor.
ii. Redemption requests must be made in full for each redemption transaction, and partial redemption of Points shall not be permitted unless specifically enabled by the Company for any Scheme.
8.4 Distributor Redemption
1. Distributor Points shall be redeemable only through settlement with the Company by way of Company-issued credit notes, financial adjustment against amounts payable to the Company, or such other Company-determined settlement mechanism reflecting transfer of redemption value to the Company. Distributor Points shall not be redeemable through voucher, UPI or direct payout modes unless expressly permitted by the Company.
2. Points become eligible for redemption (“Mature Points”) only after completion of a lock-in period of three (3) calendar months from the date of accrual. Points that have not completed the lock-in period (“Immature Points”) shall not be eligible for redemption, and are displayed separately in the Rewards dashboard.
3. Distributor redemption shall be subject to applicable Scheme rules, maintenance of an active contractual relationship with the Company, completion of all KYC and financial documentation requirements, and reconciliation of transactions as per the Company’s records.
4. Distributor redemption of Points may be subject to adjustment or offset against any outstanding dues payable by the Distributor to the Company, including invoices, penalties, damages, claims or other contractual liabilities.
5. The Company reserves the right, at its sole discretion, to adjust, suspend, reverse or cancel Distributor Points in the event of supply agreement violations, non-performance, breach of contractual obligations, reconciliation discrepancies, fraud detection or any activity inconsistent with applicable Scheme rules, and the Company’s determination in this regard shall be final and binding.
8.5 General Redemption Terms Applicable to All Users
1. Redemption requests submitted through the App are treated as final once confirmed and cannot be cancelled by the User after submission.
2. The Company may cancel, reverse, suspend or modify redemption requests in cases of fraud detection, system errors, reconciliation discrepancies, regulatory requirements or violation of these Terms.
3. Processing timelines displayed in the App are indicative and subject to verification, banking processes and operational requirements.
4. The Company’s backend records, transaction logs and reconciliation systems shall be final and binding for determining Points balance, redemption eligibility and processing status.
5. Any complaint regarding Points balance, redemption processing or expiry must be raised within fifteen (15) days of the relevant transaction, failing which the Company’s records shall be deemed accepted.
6. Non-Liability for Third-Party Services: For redemption payouts processed through banking channels, UPI systems, payment gateways, voucher issuers or other third-party service providers:
i. The Company shall not be responsible for delays, failures or processing issues caused by banks, NPCI or payment gateways;
ii. The Company shall not be responsible for rejection of transfers due to incorrect or outdated account or UPI details provided by the User;
iii. The Company shall not be responsible for account closures, suspensions or other restrictions imposed by the User’s bank or financial institution;
iv. The Company shall not be liable for expiry, non-acceptance, service issues or disputes relating to third-party voucher issuers.
9. PHOTO KHINCHE, ILAJ JAANE MODULE
9.1 Third-Party Technology Integration and Applicable Terms
The ‘Photo Khinche, Ilaj Jaane’ module integrates disease-diagnosis technology provided by third-party service providers, including Plantix technology operated by PEAT GmbH, which is a Technology Provider. Use of this module is subject not only to these Terms but also to the applicable third-party terms of use and privacy policies of the above Technology Provider (“Disease Diagnosis Terms”), which are incorporated herein by reference and can be accessible at: https://plantix.net/en/imprint/terms-and-conditions/.
By accessing the ‘Photo Khinche, Ilaj Jaane’ feature and tapping "Check Now" or uploading an imageyou acknowledge and accept the Disease Diagnosis Terms in addition to these Terms.
9.2 Nature and Scope of the Service
1. The ‘Photo Khinche, Ilaj Jaane’ Module is an informational, technology-assisted advisory tool intended to assist Users in identifying possible crop diseases, pests or stresses through automated image recognition and related analytical models. The module may include:
i. uploading of crop or plant images;
ii. automated or assisted detection of possible diseases or pests;
iii. indicative remedial recommendations, agronomic practices or product suggestions;
iv. integration with weather, crop and location-based inputs to refine diagnosis.
2. The Company provides access to the module as a facilitation service integrating third-party diagnostic technologies and related advisory content.
9.3 User Acknowledgements and Responsibilities
By using the ‘Photo Khinche, Ilaj Jaane’ Module, the User acknowledges and agrees that:
1. the module provides indicative, probabilistic and technology-generated assessments and does not constitute professional agronomic, scientific or plant-protection advice;
2. Users remain solely responsible for all crop treatment decisions, pesticide usage, regulatory compliance and farming outcomes;
3. Users shall upload only lawful, accurate and authorized images and data and shall not upload misleading, infringing or unlawful content;
4. Users shall not misuse, manipulate or attempt to interfere with the functioning of the module or underlying systems;
5. Users shall consult qualified agronomists or agricultural experts before making critical crop-management decisions.
9.4 Data Processing and Technology Provider Access
1. Images, metadata (including crop type, location, device information, timestamps and agronomic inputs), and related data uploaded through the module may be transmitted to, processed by and stored with the Company and the Technology Provider for purposes including disease detection, advisory generation, system improvement, anonymized statistical analysis, research and disease-mapping.
2. By uploading images or data, the User grants the Company and the Technology Provider a worldwide, royalty-free right to process, analyze, store, reproduce, anonymize and use such data for the above purposes, subject to applicable data protection laws and the Privacy Policy.
9.5 Company Responsibility and Service Limitations
The Company shall use commercially reasonable efforts to ensure proper integration and availability of the ‘Photo Khinche, Ilaj Jaane’ Module within the App; however:
i. the Company does not control the underlying third-party algorithms, model outputs or advisory logic;
ii. availability, accuracy and performance of the module may depend on third-party systems, network connectivity and data quality;
iii. the Company does not guarantee uninterrupted access, accuracy, completeness or suitability of any diagnosis or recommendation generated through the module.
9.6 Disclaimer of Reliance and Liability
1. The outputs of the ‘Photo Khinche, Ilaj Jaane’ Module are indicative only and:
i. are not a substitute for physical inspection by qualified agronomists or plant-protection experts;
ii. may not detect all diseases, pests or crop stresses;
iii. may be affected by image quality, device capability, environmental conditions, network limitations, model constraints or incomplete data.
2. To the maximum extent permitted by law, the Company shall not be liable for any crop loss, yield loss, financial loss or other damages arising from reliance on the outputs of the Disease Diagnosis Module or third-party technology integrated into the App.
9.7 Acceptance of Disease Diagnosis Terms
Users are strongly advised to review the complete Disease Diagnosis Terms of the Technology Provider prior to using the module. Continued use of the ‘Photo Khinche, Ilaj Jaane’ Module constitutes acceptance of such terms as updated from time to time.
9.8 Assumption of Risk and Indemnity
1. By using the ‘Photo Khinche, Ilaj Jaane’ Module, the User acknowledges that agricultural outcomes depend on multiple external factors beyond the Company’s control and assumes all risks associated with reliance on the module’s outputs. The User further agrees that any use, communication, sharing or reliance upon the diagnostic outputs, recommendations or related information by the User or by any third party based on the User’s actions shall be solely at the User’s risk.
2. The User agrees to indemnify and hold harmless the Company, its affiliates, and technology providers from any claims, losses, damages, liabilities, costs or expenses arising from or relating to (i) the User’s reliance on the diagnostic outputs, (ii) crop-treatment decisions, pesticide usage or advisory provided by the User to any third party, (iii) non-compliance with applicable agricultural laws, product-label instructions or regulatory requirements, (iv) any third-party claims arising from the User’s use or dissemination of the module outputs, or (v) against any claims arising from Users sharing or commercialising the diagnostic outputs in a manner that infringes third-party intellectual property, or violates Technology Provider restrictions.
10. EXPLORE RESOURCES MODULES
The App includes various informational and engagement modules collectively referred to as “Explore Resources,” each subject to specific content terms and disclaimers.
10.1 Better Products
1. The “Better Products” module provides information relating to products manufactured, marketed, or otherwise made available by or through the Company, including general specifications, recommended crops, indicative dosage guidance, marketing pamphlets or promotional flyers, and other informational material, all of which are subject to change without prior notice.
2. Disclaimers:-
i. Information provided in the Product Catalogue is for general informational purposes only and does not substitute the statutory product label, leaflet, instructions for use, safety directions or regulatory declarations accompanying the product. Users must carefully read, understand and strictly follow the product label, leaflet and applicable statutory instructions before use and the Company shall not be responsible for misuse, off-label use or regulatory non-compliance by Users.
ii. The Company shall not be liable for any loss, damage, crop loss, yield loss, financial loss or adverse outcome resulting from reliance on catalogue information, indicative dosage guidance, promotional materials, or general product recommendations. Users must consult qualified agronomists, plant protection experts or authorized agricultural advisors before making critical crop-management or product-application decisions.
iii. The Company does not guarantee that the information provided in the catalogue is complete, current or error-free and shall not be responsible for inaccuracies, omissions, typographical errors or changes in product specifications, packaging, availability or regulatory approvals.
iv. Product availability, MRP, promotional schemes and pack sizes may vary by geography, distributor, retailer or Scheme period. The App does not provide real-time stock or pricing confirmation and should not be relied upon for transactional decisions.
v. Product recommendations and agronomic guidance presented in the catalogue are general in nature and may not be suitable for specific crops, soil conditions, climatic conditions or farming practices applicable to the User. Users remain solely responsible for verifying suitability prior to product use.
3. The Company may enable links or options to contact or place queries / indicative orders with third party distributors or retailers via clickable options like "Contact", "Call", "WhatsApp", "Locate Retailer" or "Place Order" buttons or links in the Catalogue connect the User to third-party Distributors, Retailers, or e-commerce platforms. Any transaction, including negotiation, payment, delivery, pricing, product availability or dispute resolution, shall be solely between the User and the relevant third party. The Company does not facilitate, underwrite, guarantee or assume any responsibility for such third-party transactions or for the conduct, reliability, performance or compliance of such third parties.
10.2 ASLI SHRIRAM KI PEHCHAN MODULE
1. Feature Description: The "Asli Shriram Ki Pehchan" feature allows Users to scan or manually input a product code to verify whether the product is authentic, original or registered with the Company.
2. Result Interpretation:-
i. A "Original or “Already Scanned" result indicates that the code matches the Company's database of registered products. However, this does not constitute an absolute guarantee of authenticity or that the physical product has not been tampered with, relabelled or adulterated.
ii. A "Expired", or "Not Recognized" result suggests the code may not be registered or may be counterfeit. Users should contact the point of purchase, Company’s customer support for further verification or Distributor for clarification.
iii. Users should not rely solely on the tool for authentication and are advised to conduct physical inspection of the product packaging, verify purchase sources, and cross-check with authorized retailers or distributors before use.
3. Limitation & Liability Disclaimer: The tool validates only the product code recorded in the Company’s database and may not detect all counterfeit, reused, duplicated or tampered codes. Network issues, database synchronization delays or system limitations may affect the availability or accuracy of results. The Company shall not be liable for any loss, damage, crop loss, yield loss, financial loss, product performance issue or other consequence arising from or relating to any purchase, use or other decision made by a User based solely or primarily on the output of the “Asli Shriram Ki Pehchan” feature. "
4. The User is prohibited from (i) attempting to reverse engineer, decode or circumvent the product authentication system; (ii) systematically querying the system to map or extract product code databases; or (iii) disclosing information about authentication processes to third parties."
10.3 Profit Wali Kheti
1. The App may provide curated agronomic information, crop management practices, disease and pest information, weather insights, indicative product recommendations, and related advisory content (collectively, “Knowledge Content”). Such Knowledge Content is provided for general informational and educational purposes only and does not constitute professional agronomic, scientific, technical, financial or legal advice.
2. Any reference to or recommendation of Company products within the Knowledge Content is indicative in nature and does not replace the statutory product label, leaflet, directions for use, safety instructions, or regulatory approvals applicable to such products. Users must carefully read and strictly follow the product label, leaflet and applicable statutory instructions before use and ensure suitability of the product for their specific crops, soil conditions, climatic conditions and farming practices.
3. Agricultural outcomes depend on multiple variables including soil characteristics, weather conditions, irrigation practices, pest pressure, crop stage and local agronomic conditions. The Company does not represent or warrant that the Knowledge Content is always accurate, complete, current or applicable to the User’s specific situation. Users are advised to independently verify suitability and consult qualified agronomists, plant protection experts or agricultural advisors before making crop-management or product-application decisions.
4. To the maximum extent permitted by law, the Company shall not be liable for any loss, crop damage, yield loss, financial loss or other adverse outcomes resulting from reliance on the Knowledge Content or any indicative recommendations provided through the App.
5. Users acknowledge that statutory product labels, directions for use, safety instructions and official leaflets accompanying the product constitute the final and binding usage instructions. Due to regulatory updates, packaging changes and region-specific approvals, it may not be possible for the App to reflect all current product directions or updates at all times. Accordingly, Users must always rely on and follow the instructions contained in the product label and accompanying leaflet before use
6. The Company may update, add, remove or modify any Knowledge Content at any time without notice.
10.4 Video and Shorts Library
1. The "Video & Shorts Library" provides educational and informational video content, including but not limited to:
i. testimonials, field experiences and success stories shared by farmers or channel partners;
ii. Expert interviews and agronomic discussions;
iii. Best-practice farming techniques;
iv. Product-use demonstrations, field trials, crop results and illustrative agronomic practices;
v. videos, photographs or testimonials submitted by Users as part of Schemes, surveys or feedback programs.
2. Disclaimers:
i. Video content is provided for educational, informational and illustrative purposes only and may reflect individual experiences, field demonstrations or representative scenarios, which may not capture the most suitable agronomic or agro-economic practices for every farm, geography, crop variety or cultivation condition.
ii. Any product demonstrations, crop visuals, yield illustrations, crop size, color, growth patterns or performance results shown in videos are indicative only and may vary significantly depending on agronomic conditions, soil characteristics, climatic conditions, crop varieties, farming practices, irrigation methods, pest pressure and other external factors. Such visuals shall not be construed as guaranteed performance outcomes or standard results.
iii. References to Company products in videos, demonstrations or testimonials do not replace statutory product labels, official leaflets, directions for use, safety instructions or regulatory approvals. Users must carefully read and strictly follow the product label and accompanying leaflet prior to use and verify suitability for their specific farming conditions.
iv. Testimonials, user experiences or field demonstrations presented in the Video Library represent the independent opinions and experiences of the individuals featured and shall not be construed as representations, warranties, official recommendations or advisory commitments of the Company.
v. Certain videos may include historical or previously recorded content that may not reflect the most recent product instructions, regulatory updates or scientific developments. Users must independently verify current product information and regulatory requirements before acting on any video content.
vi. Users who upload videos, photographs, testimonials or other visual content through surveys, Schemes or App features consent to such content being stored, displayed, reproduced and included in the Video Library or other informational sections of the App in accordance with these Terms and the Privacy Policy.
vii. To the maximum extent permitted by law, the Company shall not be liable for any crop loss, yield loss, financial loss, operational decisions or other adverse outcomes resulting from reliance on video content without independent verification or consultation with qualified agronomists or agricultural advisors.
viii. Nothing contained in the Video Library shall be interpreted as a guarantee of product performance, yield outcome or suitability for any particular farming condition.
ix. The Company reserves the right to reject or remove any video content that contains or may contain third-party intellectual property, copyrighted materials, or content that has not been properly cleared for use.
11. Surveys & Schemes
The App may host or enable various promotional Schemes, surveys, engagement programs, contests, feedback initiatives, or awareness activities (“Schemes”) from time to time. Participation in any Scheme is voluntary and subject to the specific terms, eligibility criteria, timelines, and reward structures applicable to such Scheme, as may be communicated through the App or related Scheme materials.
11.1 Submission of Content and User Consent
1. In connection with Scheme participation, Users may upload or submit photographs, videos, audio recordings, testimonials, feedback, documents, or other materials (“Submitted Content”). By uploading or submitting any such content, the User represents that:
i. the User has all necessary rights, permissions and authorizations to submit such content;
ii. the content does not infringe any third-party rights, including intellectual property, privacy or publicity rights; and
iii. the submission is voluntary and lawful.
2. By submitting content, the User grants the Company and its affiliates a worldwide, perpetual, irrevocable, royalty-free, transferable right and license to use, reproduce, publish, display, distribute, adapt, modify, translate, create derivative works from, and publicly communicate such Submitted Content, in whole or in part, within the App and across any media or platform, including websites, social media platforms, promotional materials, training programs, awareness initiatives and marketing communications, for educational, promotional or business purposes, without any additional compensation to the User unless expressly specified in the applicable Scheme terms.
11.2 Scheme Rewards and Points
Participation in Schemes or surveys may, at the Company’s discretion, be eligible for award of Points, incentives, recognition benefits or other rewards, subject to successful completion of Scheme requirements and compliance with applicable terms. Reward structures, eligibility thresholds, timelines, and Points allocation methodologies may vary for each Scheme and may be modified, suspended or withdrawn at the Company’s discretion.
Scheme-specific terms and conditions communicated for a particular Scheme shall apply in addition to these Terms and, in the event of any inconsistency, the specific Scheme terms shall prevail for that Scheme.
11.3 Verification, Disqualification and Time Limits
The Company reserves the right to verify the authenticity, eligibility and accuracy of any Scheme participation, Submitted Content or reward claim. The Company may reject, disqualify or remove any participation that is incomplete, fraudulent, misleading, ineligible, or inconsistent with Scheme requirements. Scheme participation may be subject to time limits, submission deadlines, geographic eligibility or category-specific criteria as specified for the relevant Scheme.
11.4 Disclaimers
i. Schemes are promotional initiatives conducted at the Company’s discretion and may be modified, suspended or discontinued at any time without prior notice.
ii. Submission of content does not guarantee publication, reward allocation, or recognition unless expressly stated in the applicable Scheme terms.
iii. The Company shall not be liable for any technical failures, network disruptions, upload errors, or other operational issues affecting Scheme participation.
iv. Any testimonials, images or videos submitted as part of Schemes may be displayed in the App’s informational sections, including the Video Library or other educational modules.
v. Participation in any Scheme shall not create any contractual entitlement to continued participation in future Schemes or to any minimum reward allocation.
12. GENERAL DISCLAIMERS (APPLICABLE ACROSS ALL MODULES)
1. Statutory Labels and Instructions Prevail: Any product-related information, advisory content, dosage guidance, recommendations or usage illustrations provided through the App (including the Product Catalogue, Knowledge Content, videos, diagnostic outputs or promotional materials) are for informational purposes only. Statutory product labels, regulatory directions for use, safety instructions and official product leaflets accompanying the product shall at all times constitute the final and binding usage instructions.
Due to regulatory updates, packaging revisions, region-specific approvals and periodic product modifications, the App may not always reflect the most current or complete product directions. Users must therefore carefully read and strictly follow the instructions provided on the product label and accompanying leaflet prior to use, and the Company shall not be liable for any loss or damage arising from failure to follow such statutory instructions.
2. All information, recommendations, advisory outputs, demonstrations, case studies, testimonials, diagnostic outputs, and educational materials provided through the App are indicative and informational in nature and do not constitute professional agronomic, scientific, financial, legal or technical advice. Users must independently verify suitability for their specific crops, locations and farming conditions and consult qualified advisors where necessary.
3. Agricultural results depend on multiple external factors including soil conditions, weather, crop variety, irrigation practices, pest pressure and farming methods. The Company does not guarantee any specific crop yield, performance, product effectiveness or financial outcome resulting from use of information or recommendations available through the App.
4. While the Company makes reasonable efforts to maintain accurate and updated information, the App and its modules are provided on an “as available” and “as is” basis. The Company does not warrant uninterrupted availability, completeness, accuracy or error-free functioning of the App, and shall not be liable for any loss arising from system downtime, data delays, synchronization issues or technical limitations.
13. THIRD-PARTY SERVICES AND LINKS
13.1 Facilitation Only
The App may display contact numbers, links, order initiation forms or redirection features connecting Users to third-party platforms, distributors, retailers, payment providers, logistics partners or messaging channels. Such connections are provided purely as a facilitation mechanism.
13.2 No Control or Responsibility
The Company does not control, verify, endorse or assume responsibility for any third-party content, services, availability, representations or conduct and shall not be liable for any loss, damage, delay, privacy breach or dispute arising from the User’s interaction with third-party services, even where accessed through the App.
13.3 Independent Commercial Arrangements
All commercial terms, including availability, pricing, taxes, delivery, replacements, warranties and after-sales service, shall be determined solely between the User and the relevant distributor, retailer or third party. The Company is not a party to such arrangements unless expressly stated.
13.4 Third-Party Terms Govern
Use of any third-party services shall be governed by the applicable third party’s terms of service, privacy policy and other contractual conditions. Users are responsible for reviewing and accepting such terms before engaging with third-party services. Any User Content or data shared with third-party services through the App shall remain subject to the licence granted to the Company under these Terms, and the Company's intellectual property rights shall not be affected by such sharing. Users remain responsible for any IP issues arising from content shared with or through third-party services.
14. INTELLECTUAL PROPERTY RIGHTS
All rights, title and interest in and to the App, including its design, layout, software, source code, databases, trademarks, logos, product images, videos, text, graphics, audio-visual material, algorithms, analytical models, and all other content made available through the App (collectively, “Company Content”), are owned by or licensed to the Company and are protected under applicable intellectual property laws. It is clarified that all databases, data compilations and aggregated datasets created or maintained through the operation of the App, including QR scan records, product verification data, disease diagnostic data, and agronomic information compilations, are owned exclusively by the Company and protected as compilations under applicable copyright law.
Except for limited rights expressly granted under these Terms, no rights, title or interest in the Company Content are transferred to the User. Users shall not copy, reproduce, modify, distribute, display, publish, reverse engineer, decompile, create derivative works from, or commercially exploit any Company Content without prior written consent of the Company. All outputs, diagnostics, recommendations and analyses generated by AI or machine-learning models integrated into the App, including the Shriram Doctor module, shall be owned exclusively by the Company (or its licensors), regardless of the User-contributed inputs used to generate such outputs.
Certain components of the App may incorporate technology licensed from Technology Providers. Such third-party technology remains the intellectual property of the respective Technology Providers, and the Company's rights therein are limited to the scope of the applicable licence agreement with such Technology Provider.
The User acknowledges that the App contains confidential information belonging to the Company and its licensors and Technology Providers, including algorithms, databases, business methods, verification systems, fraud detection mechanisms, Points allocation methodologies, and proprietary agronomic data compilations. The User shall not: (i) disclose such confidential information to any third party; (ii) reverse engineer, decompile or attempt to derive the source code, algorithms or data structures of the App; or (iii) use confidential information for any purpose other than accessing the Services. This obligation shall survive termination of the User's Account.
15. USER CONTENT AND DATA
15.1 User Content:
1. Users may upload, submit or share photographs, videos, audio recordings, feedback, testimonials, survey responses, diagnostic images, Scheme submissions, comments or other materials through the App (“User Content”). The User represents and warrants that:
i. the User owns or has obtained all necessary rights, licenses and permissions to upload such User Content;
ii. the User Content does not infringe any intellectual property, privacy, publicity or proprietary rights of any third party;
iii. the User Content complies with applicable laws and these Terms.
2. The Company reserves the right to remove, restrict, or refuse publication of any User Content that violates these Terms or applicable laws.
3. To the fullest extent permitted by applicable law, the User irrevocably waives all moral rights and special rights under Section 57 of the Copyright Act 1957 (or any successor legislation) in and to any User Content submitted through the App, including the right to be identified as the author and the right to object to derogatory treatment, modification, adaptation or contextual use of such User Content. Where such waiver is not permitted by law, the User agrees not to assert such rights against the Company.
15.2 License Granted by Users
By uploading or submitting any User Content through the App, including content submitted through Schemes, surveys, diagnostic modules, feedback programs or community features, the User grants the Company and its affiliates a worldwide, perpetual, irrevocable, royalty-free, transferable and sublicensable license to use, host, store, reproduce, process, adapt, modify, publish, translate, create derivative works from, publicly display, distribute and communicate such User Content, in whole or in part, across the App, websites, social media platforms, marketing materials, promotional Schemes, training programs, educational resources, for operating, improving and promoting the App and Services, and for research, analytics, and service improvement purposes and other business purposes, without any additional compensation to the User unless expressly stated in applicable Scheme terms.
This license includes the right to anonymize, aggregate or edit the User Content for research, analytics, disease-mapping, service improvement, or awareness initiatives, in accordance with the Privacy Policy and applicable law.
15.3 No Obligation to Use Content
Submission of User Content does not create any obligation on the Company to publish, display or otherwise use such content, nor does it entitle the User to any reward, recognition or compensation except where expressly provided under applicable Scheme terms.
15.4 Third-Party Rights and Indemnity
Users shall remain solely responsible for the legality, accuracy and ownership of the User Content submitted by them and shall indemnify the Company, its affiliates and technology providers against any claims arising from infringement of third-party rights, third-party intellectual property, privacy or publicity rights, unauthorized submissions or unlawful content uploaded by the User.
16. PRIVACY POLICY
This privacy policy (“Privacy Policy”) describes how the Company collects, uses, stores, processes, transfers and protects Personal Data, which shall mean any data about an individual (who is identifiable by or in relation to such data) who uses or accesses the App. This Privacy Policy forms an integral part of these Terms.
The Company shall process Personal Data in accordance with the Information Technology Act and the underlying rules, the Digital Personal Data Protection Act, 2023, the rules made thereunder and other applicable data protection laws, as amended from time to time (“Applicable Laws”). Nothing contained in this Privacy Policy shall be construed to limit any rights available to Users under applicable law.
16.1 Data Fiduciary
For the purposes of Applicable Laws, DCM Shriram Limited acts as the data fiduciary in respect of the Personal Data processed through the App. The Company may process such Personal Data directly and may also engage third-party service providers, vendors or technology partners to process Personal Data on its behalf. Such third parties shall act as Data Processors or otherwise in accordance with applicable law and the contractual arrangements entered into with the Company.
16.2 Categories of Personal Data Collected: The Company may collect the following categories of Personal Data:
1. Registration and Profile Data: Name, mobile number, email address, address details, farm or business information, GSTIN, PAN, KYC documents and other identity verification information.
2. Transaction and Rewards Data: QR scan records, timestamps, Points history, redemption records, payment details (UPI/bank information), voucher selections, and participation in Schemes or surveys.
3. Device, Technical and Location Data: Device identifiers, IP address, device type, operating system, app version, approximate or precise location (where permission is granted), camera usage and diagnostic uploads.
4. Communications Data: Customer support communications, in-App messages, notifications, emails, SMS communications and interaction records.
5. Content and Image Data: Images, videos, testimonials, survey submissions, diagnostic uploads and associated metadata including crop, location and timestamps.
6. Third-Party and Verification Data: Information received from distributors, retailers, KYC vendors, payment partners or other authorized sources for identity verification, compliance or transaction processing.
16.3 Purposes of Processing: Personal Data is processed for purposes:
1. account creation, authentication and service delivery;
2. operation of Rewards, Schemes and redemption processing (including KYC and tax compliance);
3. disease diagnosis, advisory services and model training;
4. customer support, communications and notifications;
5. fraud detection, abuse prevention and security monitoring;
6. analytics, service improvement and research;
7. compliance with legal, regulatory and tax obligations.
16.4 Consent: By registering for, accessing or using the App, and by voluntarily providing Personal Data or enabling relevant device permissions, the User expressly consents to the collection, storage, processing, use and sharing of such Personal Data by the Company for the purposes described in these Terms and the Privacy Policy, subject to applicable law. Where required by law, additional or specific consent may be obtained before processing Personal Data for particular purposes.
16.5 Legal Basis for Processing: Processing is undertaken on the basis of:
1. consent obtained in accordance with Applicable Laws;
2. certain legitimate uses, including processing where the User has voluntarily provided personal data and has not indicated that they do not consent to its use; and
3. compliance with applicable legal and regulatory obligations.
16.6 Data Retention
Personal Data is retained only for as long as necessary to fulfill the purposes described above or as required under applicable law, tax, audit or regulatory obligations. Certain anonymized or aggregated datasets may be retained for research, analytics or service improvement purposes.
16.6 Sharing and Disclosure of Data: Personal Data may be shared with:
1. Company affiliates, internal departments and authorized personnel;
2. service providers including hosting providers, analytics vendors, payment processors, communication vendors and KYC verification agencies;
3. distributors, retailers or supply-chain partners where required for service delivery;
4. regulatory authorities, courts or law enforcement agencies where legally required;
5. acquirers or successor entities in the event of corporate restructuring or business transfer.
All service providers are contractually required to maintain confidentiality and security of Personal Data.
16.7 Cross-Border Transfers: Personal Data may be stored or processed on servers located outside India, including through global cloud infrastructure, subject to applicable legal safeguards and contractual protections, in accordance with Applicable Laws.
16.8 Security Measures: The Company implements appropriate technical and organizational measures, in accordance with Applicable Laws, including encryption, access controls, authentication controls, monitoring systems, periodic audits, and incident-response procedures designed to protect Personal Data from unauthorized access, loss or misuse.
16.9 User Rights: Subject to Applicable Laws, Users may exercise the following rights:
1. Right to Access: You have the right to obtain the following information from the Company: (i) a summary of your Personal Data that is being processed by the Company, along with details regarding the processing activities undertaken with respect to such Personal Data; and (ii) the identities of all other entities with whom your Personal Data has been shared by the Company, including a description of the Personal Data shared with such entities.
2. Right to Correction, Completion, Updation, and Erasure: You have the right to request that the Company: (a) correct any Personal Data held in respect of you that is inaccurate; (b) complete or update any Personal Data that is incomplete or no longer current; or (c) erase Personal Data that was processed on the basis of your consent, where you have withdrawn such consent and there is no other lawful basis for continued processing. The Company shall act on any such request in accordance with Applicable Laws. Please note that certain Personal Data may be retained by the Company notwithstanding your request for erasure, where the Company is required to do so by statute, regulation, or any order of a competent authority.
3. Right to Nominate: You have the right to nominate any other individual who shall, in the event of your death or incapacity, be entitled to exercise your rights under applicable data protection law in respect of your Personal Data held by the Company.
4. Right to Withdraw Consent: Where the processing is based on your consent, you have the option to revoke your consent at any point in time. Upon receipt of your request to revoke your consent, the consequences of revocation will be communicated to you. In many cases, upon such a revocation, the Company may not be able to continue offering its Services to you.
16.10 Marketing and Communication Preferences: Users may opt out of promotional communications through App settings, unsubscribe links, SMS opt-out commands or by contacting the Company. Transactional or service-related communications may continue where necessary for service delivery.
16.11 Third-Party Privacy Practices: Where the App links to third-party platforms or services, such third parties operate under their own privacy policies. Please read their privacy policies and terms thoroughly prior to accessing these third-party platforms or services, as the Company is not responsible for third-party data practices.
17. DATA SECURITY AND PROTECTION
17.1 Company Responsibility: The Company is responsible for implementing and maintaining appropriate technical and organizational measures to protect your Personal Data against unauthorized access, disclosure, alteration or destruction. The security measures outlined in Section 14.8 are maintained in accordance with applicable standards.
17.2 User Responsibility: Users are responsible for:
1. Maintaining the confidentiality of their password and Account credentials;
2. Securing their Device and not allowing unauthorized persons to access the App;
3. Using only secure networks when accessing the App (avoiding public Wi-Fi for sensitive transactions);
4. Promptly reporting any suspected breach, unauthorized access or loss of credentials.
5. Not hosting, displaying, uploading, modifying, publishing, transmitting, storing, updating or sharing any information through the App that:
(a) belongs to another person and to which the User does not have any right;
(b) is obscene, pornographic, paedophilic, invasive of another person's privacy (including bodily privacy), insulting or harassing on the basis of gender, racially or ethnically objectionable, relates to or encourages money laundering or gambling, or promotes enmity between different groups on grounds of religion or caste with intent to incite violence;
(c) is harmful to a child;
(d) infringes any patent, trademark, copyright or other proprietary right;
(e) deceives or misleads the addressee about the origin of the message, or knowingly and intentionally communicates any information that is patently false, untrue or misleading in nature;
(f) impersonates another person;
(g) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognisable offence, or prevents the investigation of any offence, or insults any other nation;
(h) contains any software virus or other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; or
(i) is patently false and untrue, and is written or published in any form with the intent to mislead or harass any person, entity or agency for financial gain or to cause injury to any person
18. LIMITATION OF LIABILITY
18.1 Exclusion of Certain Damages: To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, consequential, special, punitive or exemplary damages, including loss of profits, revenue, goodwill, business opportunities, anticipated savings, crop yield, production output, data loss or reputational harm, arising from or relating to:
1. use or inability to use the App or Services;
2. reliance on any information, advisory outputs, recommendations or content provided through the App;
3. transactions conducted with third parties accessed through the App;
4. service interruptions, system failures, technical errors or operational downtime;
5. unauthorized access, security incidents or data loss (subject to statutory exceptions).
18.2 Aggregate Liability Cap:
1. The Company’s total aggregate liability for all claims arising out of or relating to the App, Services or these Terms shall not exceed the lower of: the amount of fees, if any, paid by the User with respect to the claim/ transaction in dispute claim; or INR 1,000 (One Thousand Indian Rupees).
2. This limitation applies to all causes of action, whether in contract, tort, negligence, strict liability or otherwise, even if the Company has been advised of the possibility of such damages.
3. The liability limitations set out in this Section shall apply to the maximum extent permitted by law and shall extend to the Company’s affiliates, licensors, technology providers, service providers and authorized channel partners involved in providing the App or its Modules.
18.3 Indemnity Independence: Nothing in this Section shall limit the User’s indemnification obligations under Section 19, which shall apply independently of the liability limitations specified herein.
19. INDEMNITY
19.1 Indemnification by User
The User agrees to defend, indemnify, and hold harmless the Company, its affiliates, licensors, technology providers (including third-party service providers integrated into the App), officers, directors, employees and agents from and against any and all claims, demands, actions, proceedings, losses, damages, liabilities, penalties, costs and expenses (including reasonable legal fees) arising out of or relating to:
iv. the User’s breach or violation of these Terms, the Privacy Policy, or any applicable Scheme or module-specific rules;
v. the User’s violation of any applicable law, regulation, governmental order or industry requirement;
vi. the User’s infringement or alleged infringement of any intellectual property, privacy, publicity or proprietary rights of any third party or of Company;
vii. any User Content uploaded, transmitted or shared by the User, including claims relating to ownership, authorization or legality of such content;
viii. the User’s misuse of the App, fraudulent activities, manipulation of rewards mechanisms or unauthorized access to accounts or systems;
ix. any decisions, actions, recommendations, communications or advisory provided by the User to any third party based on information, outputs or recommendations obtained from the App, including the Disease Diagnosis Module;
x. any crop-treatment decisions, pesticide usage, agricultural practices, or farming outcomes resulting from reliance by the User or any third party on diagnostic outputs, recommendations or advisory generated through the App;
xi. any third-party claims arising from the User’s sharing, dissemination, commercial use or onward reliance by others on outputs generated through the App or its modules.
19.2 Defense and Settlement
Where any claim arises that is subject to indemnification, the Company shall have the right, at its discretion, to assume control of the defense and settlement of such claim, and the User shall cooperate fully in such defense. The User shall not settle any claim that imposes liability or obligations on the Company without the Company’s prior written consent.
19.3 Survival
The obligations under this Section shall survive termination or expiration of the User’s Account, use of the App, or these Terms.
20. CHANGES TO TERMS AND SERVICES
20.1 Modifications to Terms: The Company may modify these Terms from time to time. Updated Terms shall become effective upon posting within the App or on the Company’s website. Material modifications will be notified through in-App notification, email, SMS or other reasonable communication channels.
20.2 Continued Use as Acceptance: Continued use of the App after the effective date of revised Terms constitutes acceptance of the modified Terms. If the User does not agree to the revised Terms, the User must cease using the App and may request termination of the Account.
20.3 Changes to Features and Services: The Company may, at any time and without prior notice:
1. modify, suspend, restrict or discontinue any feature, module, Scheme, Points program, redemption mechanism or service;
2. revise earning criteria, redemption windows, Points valuation, eligibility requirements or Scheme terms;
3. discontinue the App or any part thereof.
4. Users acknowledge that they have no vested right to continued availability of any feature, Scheme, Points program or service.
21. TERMINATION AND ACCOUNT SUSPENSION
21.1 Termination or Suspension by Company
The Company may suspend, restrict or terminate the User’s Account, Points eligibility, rewards participation or access to the App, without prior notice or liability, if:
1. the User breaches these Terms or applicable policies;
2. fraudulent, abusive or suspicious activity is detected;
3. the User provides false or misleading information;
4. the User violates applicable laws or third-party rights;
5. the Account remains inactive for an extended period; or
6. termination is required for operational, regulatory or business reasons.
21.2 Termination by User: Users may request Account termination through App settings or customer support. Upon termination, the Company may delete or anonymize Account data in accordance with the Privacy Policy.
21.3 Effect of Termination: Upon suspension or termination:
1. the User’s right to access the App shall cease immediately;
2. all Points, rewards, pending redemption requests or Scheme benefits may be cancelled or forfeited in accordance with program rules;
3. provisions relating to intellectual property, disclaimers, limitation of liability, confidentiality, indemnity, privacy, dispute resolution and governing law shall survive termination.
22. DISPUTE RESOLUTION
22.1 Informal Resolution: Users should first attempt to resolve disputes by contacting the Company’s grievance officer or support team at the contact details provided in the App.
22.2 Escalation: If the grievance is not resolved within thirty (30) days, the matter may be escalated to the designated senior grievance authority for further review.
22.3 Limitation on Claims: Claims relating to Points, rewards, transactions or technical issues must be raised within thirty (30) days from the date of occurrence, failing which such claims shall be deemed waived to the extent permitted by law. This limitation period shall not apply to claims by the Company for intellectual property infringement, breach of confidentiality, or unauthorised access to Company systems.
22.4 Arbitration: In the event any dispute, controversy or claim arises out of or in connection with these Terms, the App, or the Services, including any question regarding its existence, validity, interpretation, performance or termination (“Dispute”), the Parties shall first attempt to resolve such Dispute amicably through good faith discussions within a period of thirty (30) days from the date of written notice of such Dispute. If the Dispute is not resolved within the aforesaid period, the Company shall have the right to refer the Dispute to arbitration administered by the Indian Council of Arbitration (ICA) in accordance with its applicable rules. The arbitration shall be conducted by a sole arbitrator appointed in accordance with the rules of ICA. The seat and venue of arbitration shall be New Delhi, India, and the arbitration proceedings shall be conducted in the English language. The arbitration shall be conducted on an individual basis, and not as a class action or consolidated proceeding with any other claims. Nothing in this clause shall prevent the Company from: (i) seeking interim, interlocutory or permanent injunctive relief from any court of competent jurisdiction for protection of its intellectual property rights, confidential information, trade secrets, systems, data or other proprietary interests; (ii) pursuing criminal remedies for IP infringement under applicable law; or (iii) seeking any other remedy available at law or equity pending resolution of the Dispute.
The arbitration proceedings, including all pleadings, documents, evidence and the award, shall be confidential, except to the extent disclosure is required under applicable law or for enforcement of the award. The costs of arbitration shall be determined by the arbitrator. Each Party shall bear its own legal costs unless otherwise directed by the arbitrator. This clause shall survive termination of these Terms.
22.5 Governing Law and Jurisdiction: These Terms shall be governed by and construed in accordance with the laws of India. Subject to Clause 20.4 (Arbitration), the courts at New Delhi, India shall have exclusive jurisdiction over all matters arising out of or in connection with these Terms.
The User hereby irrevocably submits to the jurisdiction of such courts. This clause shall survive termination of these Terms
23. COMPLIANCE WITH LAW AND REGULATORY MATTERS
Users agree to comply with all applicable laws, regulations and regulatory requirements while using the App. Nothing in these Terms shall limit statutory rights available to Users under applicable consumer protection or other mandatory laws.
Users consent to receiving transactional and service-related communications from the Company, including communications required for program administration, service delivery, regulatory compliance or security purposes. Promotional communications may be opted out of through available preference controls.
24. MISCELLANEOUS PROVISIONS
24.1 Entire Agreement: These Terms, including the Privacy Policy, Disease Diagnosis Terms, Rewards Program rules and any other terms or policies referenced or linked within the App, constitute the entire agreement between you and the Company regarding the App and supersede all prior communications, representations, understandings and agreements, whether oral or written.
24.2 Severability: If any provision of these Terms is held to be invalid, illegal, unenforceable or contrary to law by a court of competent jurisdiction, such provision shall be severed or modified to the minimum extent necessary to make it valid and enforceable. The remaining provisions shall continue in full force and effect.
24.3 Waiver: Failure by the Company to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. A waiver must be in writing and signed by an authorized representative of the Company to be effective.
24.4 Assignment: The Company may, at its sole discretion, assign, transfer, novate or delegate its rights and obligations under these Terms to any affiliate, successor, acquirer or third party without notice or consent. Users may not assign their rights or obligations without the Company's prior written consent.
24.5 Force Majeure: The Company shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is caused by events beyond its reasonable control ("Force Majeure Events"), including:
1. Natural disasters, earthquakes, floods, hurricanes, epidemics or pandemics;
2. Wars, terrorism, armed conflicts, civil unrest or strikes;
3. Government actions, sanctions or regulatory changes;
4. Power outages, network failures or unavailability of third-party services;
5. Acts of God or other unforeseeable circumstances.
24.6 Notices: Any notice or communication required under these Terms may be sent to the address as mentioned under 22.10.
24.7 Relationship of Parties: No agency, partnership, joint venture or employment relationship is created between the User and the Company. Users are independent parties entering into a contractual relationship for the provision of services.
24.8 Third-Party Beneficiaries: No third party has any right to enforce any provision of these Terms except as expressly stated (e.g., indemnity provisions benefiting the Company's affiliates and partners).
24.9 Survival: Provisions relating to intellectual property, user content, privacy, confidentiality, disclaimers, limitation of liability, indemnity, dispute resolution and governing law shall survive termination of these Terms.
24.10 Contact Information and Support: For questions, support requests, privacy inquiries, complaints or grievances:
Email: smartfasal@dcmshriram.com
Address: 1st Floor, Plot No. 82, Sector 32, Institutional Area, Sadar Bazar, Gurgaon – 122001, Haryana, India
24.11 Acknowledgment: By providing your consent and accepting these Terms and the Privacy Policy, the User confirms that the User has read, understood and agreed to these Terms and the Privacy Policy and accepts continued applicability of these Terms during the period of App usage.
Last Updated: August 26, 2026
Version: 1.0