Disclosures

Risk factors

Structured plantation participation involves real assets and long time horizons. Understanding risks helps you decide whether the opportunity fits your goals and capacity — and where to seek professional advice.

What to weigh before you commit

This is a high-level summary, not exhaustive. It does not replace your agreements or advice from lawyers, accountants, or investment professionals.

  • Market & commodity prices

    Harvest proceeds depend on prices for fresh fruit bunches, palm oil, and related products. These markets move with supply, demand, weather elsewhere, currency, and policy.

    • Returns are not fixed or guaranteed; materials that show projections use assumptions that may not materialise.
    • We may use conservative pricing in illustrations; actual outcomes can be higher or lower.

  • Agriculture, climate & biology

    Yields and timing depend on rainfall, pests, disease, soil, and agronomic decisions. Even well-managed plantations face biological and seasonal variability.

    • Extreme weather, fire, or pest outbreaks can reduce output or increase costs.
    • Insurance (e.g. NAIC or other agri products) may cover some risks where available and economically sensible.

  • Operational & execution risk

    Outcomes depend on TerraYield Agro’s ability to run the farm professionally — labour, inputs, logistics, mill relationships, and reporting.

    • Cost inflation, contractor performance, or disruptions can affect margins and cash timing.
    • We aim for transparent updates; delays or errors in reporting remain a residual risk.

  • Liquidity & transfer constraints

    Plantation participation is a long-horizon commitment. Resale and transfer are governed by agreement terms, not a public market.

    • Internal transfers (e.g. to the company or an approved investor) may be subject to fees, timing rules, and documentation.
    • You should assume limited liquidity compared to listed securities.

  • Security & asset protection

    Farmland can be exposed to theft, vandalism, or broader insecurity. Mitigation includes physical measures, community engagement, authorities, and insurance where appropriate.

    • No set of measures eliminates security risk entirely, especially in a changing local or national context.

  • Legal, tax & regulatory

    Your position depends on Nigerian law, your agreements, and your personal circumstances. Rules affecting land, agribusiness, tax, or foreign participation can change.

    • This website is not legal, tax, or investment advice. Obtain your own professional advice before committing capital.

For more Q&A on participation, see the investor FAQ on the home page. Binding terms are in your signed documents. Questions? Contact us.