Section 1 – General Terms of Use
In these Legal Terms unless the context otherwise requires:
1.2 Alivio Voucher Credits” refer to digital credits issued to Growers as part of their active Alivio subscription, which may be used to claim discounts on purchase of eligible Bayer products at authorized Alivio Channel Partner stores. These are non-transferable, non-exchangeable for cash, and are governed by the terms and conditions applicable to their issuance and use.
1.3 “Grower” or “Growers” refers to any individual engaged in the cultivation of crops, whether as an owner of the land or as a lessee, tenant for the purpose of agricultural production. This includes, but is not limited to, individuals or entities that either own the land they cultivate or operate on leased, rented, or contractually assigned agricultural land.
1.4 “Channel Partner(s)” refers to Agri-input retailers authorized by the Company to facilitate the sale of Alivio’s digital product offerings.
1.5 “Insurance Partners” refers to insurance companies and brokers that provide parametric insurance products for Alivio and have been granted authorization to access and operate on Alivio’s platform.
1.6 “Users” collectively refers to “Growers”, “Channel Partners”, “Insurance Partners” and other authorised employees/ contractors of the Company who will have access to Alivio platform.
1.7 "Subscription/ Services" refers to the packages or plans available from which Growers can choose any one based on factors such as crop type, acreage, location and included features. Each subscription grants the Grower access to the specified services, benefits, and coverage subject to the applicable terms, duration, and payment obligations.
1.8 “Plot-Based Data” refers to any data pertaining to weather or any other data that is helpful in making agronomical decisions directly or indirectly and is either observed or estimated data based on Grower’s Plot specific location. Such data would include satellite observations, weather forecast, vegetation related and other geospatial attributes relevant to the designated area.
4.1 The Grower understands and acknowledges that any eligible and approved payouts will be credited in the form of Alivio Assurance Credits and/or another modality as updated by Alivio from time to time.
4.2 The Grower and Channel Partner agree and acknowledges the following about the Alivio Assurance Credits and Alivio Voucher Credits
4.2.1 They are non-transferable, non-cashable digital coupons.
4.2.2 Each credit represents ₹1 in value.
4.2.3 They are redeemable only at the authorized Alivio Channel Partners’ physical stores.
4.2.4 The Alivio Assurance and Voucher Credits remain valid until 1 year from the date of issue.
4.2.5 Alivio Assurance and Voucher Credits may be subject to usage restrictions or expiration, and the company reserves the right to modify the duration of validity, suspend, or terminate them at any time.
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
We are the owner or the licensee of all intellectual property rights in Alivio, our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties around the world. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.
By using the Services, you represent and warrant that:
7.1.1 all registration information you submit will be true, accurate, current, and complete;
7.1.2 you will maintain the accuracy of such information and promptly update such registration information as necessary;
7.1.3 you have the legal capacity and you agree to comply with these Legal Terms;
7.1.4 you are not a minor in the jurisdiction in which you reside;
7.1.5 you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;
7.1.6 you will not use the Services for any illegal or unauthorized purpose; and
7.1.7 your use of the Services will not violate any applicable law or regulation.
7.1.8 If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
You are required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
9.1 Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
9.2 Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
9.3 Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
9.4 Make improper use of our support services or submit false reports of abuse or misconduct.
9.5 Use the Services in a manner inconsistent with any applicable laws or regulations.
9.6 Engage in unauthorized framing of or linking to the Services.
9.7 Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
9.8 Attempt to impersonate another user or person or use the username of another user.
9.9 Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
9.10 Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
9.11 Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
9.12 Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
9.13 Use a buying agent or purchasing agent to make purchases on the Services.
9.14 Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
9.15 Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
You agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings)By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.
You are solely responsible your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.
Use License
If you access the Services via the mobile application(“App”), then we grant you a revocable, non-exclusive, non- transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms. You shall not:
11.1 except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App;
11.2 make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App;
11.3 violate any applicable laws, rules, or regulations in connection with your access or use of the App;
11.4 remove, alter, or obscure any proprietary notice (including any notice of copyright or trade- mark) posted by us or the licensors of the App;
11.5 use the App for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended;
11.6 make the App available over a network or other environment permitting access or use by multiple devices or users at the same time;
11.7 use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App;
11.8 use the App to send automated queries to any website or to send any unsolicited commercial email; or
11.9 use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
We reserve the right, but not the obligation, to:
12.1 monitor the Services for violations of these Legal Terms;
12.2 take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities;
12.3 in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof;
12.4 in our sole discretion and without limitation, notice, or liability, to remove from the Ser- vices or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and
12.5 otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
We care about data privacy and security. Please review our Privacy Statement. By using the Services, you agree to be bound by our Privacy Statement, which is incorporated into these Legal Terms.
These Legal Terms shall remain in full force and effect while you use the Services.
Without limiting any other provision of these legal terms, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the services (including blocking certain IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these legal terms or of any applicable law or regulation. we may terminate your use or participation in the services or delete your account and any content or information that you posted at any time, without warning, in our sole discretion.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.
In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
These Legal Terms shall be governed by and defined following the laws of India.
Bayer and yourself irrevocably consent that the courts of India shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms.
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.
The services are provided on an as-is and as-available basis. You agree that your use of the services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the services' content or the content of any websites or mobile applications linked to the services and we will assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the services, (3) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (4) any interruption or cessation of transmission to or from the services, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the services by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the services. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the services, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.
In no event will we or our affiliates or the respective directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the services, even if we have been advised of the possibility of such damages.
We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. You hereby agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the services.
You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non- electronic records, or to payments or the granting of credits by any means other than electronic means.
22.1 The Channel Partner and Company shall not be liable for any failure to perform any of their respective obligations if the performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure Event continues.
22.2 “Force
Majeure Event” means any event due to any cause beyond the reasonable control
of the Party, including, without limitation, unavailability of any
communication system, sabotage, fire, flood, explosion, acts of God, civil
commotion, strikes or industrial action of any kind, riots, insurrection, war
or acts of government.
1. Grower Responsibilities & Informed Consent
1.1 Grower acknowledges and agrees that each Subscription has distinct features, coverage conditions, limitations, and pricing, and that benefits under one Subscription may not extend to others. Grower understands that insights derived from satellite and remote-sensing technologies may be subject to technical or environmental limitations and may not always reflect exact ground conditions.
1.2 Grower confirms that your participation in Alivio is voluntary and based on a clear understanding of the digital product, with access to clarifications or translations where required. Growers agree that Bayer and its Insurance Partners may conduct field visits to verify their identity, plot details, and information submitted, and acknowledge that inaccurate or false information may result in loss of eligibility for benefits.
1.3 Grower acknowledges that eligibility for Alivio Assurance Credits is based on predefined criteria, including weather triggers, crop stages, and the accuracy of sowing or transplanting dates entered in the application.
1.4 Growers understand that Alivio Assurance Credits may be redeemed only as cash-equivalent discounts for eligible Agri-inputs at authorized Channel Partner stores. These credits have no monetary value outside the platform, are non-transferable, and are subject to the terms governing their issuance and use.
1.5 Growers acknowledge that Alivio Voucher Credits may be used solely as a cash equivalent discount or in lieu of cash for eligible Bayer products at authorized Channel Partner stores. These credits have a defined cumulative value per Subscription, hold no independent monetary value, and cannot be transferred or exchanged for cash. Grower provides his /her / their consent to Bayer to share relevant plot-level data with the insurance provider to enable this offering for Grower.
1.6 Grower acknowledges that he/she has understood the Alivio Assurance offering for his/her crop of interest as per Annexure -III : Assurance Product Offering and had sufficient opportunity to inquire about the same from Channel Partner or Bayer before making the purchase of the same.
1.7 Grower agrees to contact the customer support services made available within the Alivio application for any concerns related to the use of the App, the digital products, or any associated services. The Company will make reasonable efforts to review and address such concerns in accordance with its internal service request processes. However, the Grower acknowledges that the Company is not legally obligated or required to guarantee the resolution of any such issue.
2. Authorization for Insurance Payout Adjustment
2.1 By agreeing to these Terms of Use, the Grower authorizes Bayer, the Master Policyholder of Insurance policy, to utilize any insurance claim towards Alivio Credits and/or facilitation of services or products availed through the Bayer’s platform.
2.2 This authorization is granted with full consent and
understanding of the insurance terms and the nature of benefits selected by the
Grower.
3. Self-Declaration of Insurable Interest
3.1 Each Grower hereby declares that he /she/ they have an insurable interest in the agricultural plot/crop for which he /she/ they have subscribed to the Alivio offering and its associated assurance services. Each Grower also confirms that he /she/ they are either the owner, cultivator, or lessee of their land and are directly exposed to financial loss pertaining to agricultural activity arising from adverse weather or other insured events. Each Grower further affirms that the information provided by him / her/ them is true and accurate to the best of his/ her/their knowledge and that he/she/ they are voluntarily opting into the Alivio Assurance Credits which is backed by an insurance policy facilitated through the platform.
1. Channel Partner Responsibilities & informed consent
1.1 Each Channel Partner is responsible for accurately completing the Grower’s registration process within the Alivio application upon receiving the applicable Subscription fee. They must ensure that all Grower details, including identity, contact information, plot data, and subscription plan selection, are entered correctly and completely.
1.2 In the event that the Channel Partner registers a grower on Alivio without collecting the applicable subscription fee, any arrangement for collection, deferred payment, or extension of formal or informal credit shall be solely at the discretion and responsibility of the Channel Partner. Bayer shall bear no liability whatsoever for such arrangements, actions, or any associated financial exposure or loss. All risks arising therefrom shall rest entirely with the Channel Partner.
1.3 Channel Partners agree to provide Growers with clear, accurate, and transparent information regarding Alivio’s Subscriptions, including their features, benefits, limitations and pricing. They further agree not to make any unauthorized promises, representations, or guarantees beyond those officially communicated by Bayer.
1.4 Channel Partners agreed to accept Alivio Assurance Credits and Alivio Voucher Credits as a valid and binding mode of discounts for eligible Agri-input purchases by the Grower. These credits must be honored as discounts within the permitted redemption framework.
1.5 Channel Partners acknowledge that they must me successfully onboarded with Bayer as a mandatory pre-condition for settlement of any redeemed Alivio credits. Channel Partners must provide all required and valid documents to complete onboarding and understand that failure to submit such documents may result in an inability to settle funds with Bayer.
1.6 Channel Partners may request redemption of Alivio Voucher Credits and Alivio Assurance Credits through designated processes, subject to Bayer’s verification of redemption details. While Bayer intends to process settlements in a timely manner, all payment timelines are indicative only and not legally binding; Bayer reserves the right to delay settlements at its discretion without incurring any liability for such delay.
1.7 Any sales promotion schemes, incentive programs, or reward initiatives offered directly/indirectly to Channel Partners shall be solely defined, modified, or withdrawn by the Company at its discretion. Channel Partners acknowledge that all terms, conditions, and eligibility criteria for such schemes will be exclusively determined by the Company. In the event of any dispute, ambiguity, or difference of opinion regarding these schemes, the Company’s decision shall be final and binding on all Channel Partners.
1.8 Channel Partner acknowledges and agrees to participate in all mandatory training programs, onboarding sessions, or capability-building activities provided or specified by the Company. Participation in such training is required to ensure accurate communication of product features, compliance with operational processes, and responsible use of the Services.
1.9 Each Channel Partner confirms that they have read, understood, and voluntarily consent to these responsibilities and all operating procedures communicated by Bayer. Each Channel Partner agrees to act in good faith, comply with applicable laws, and uphold Bayer’s standards of transparency, data integrity, and ethical business conduct.
1.10 The Channel Partner agrees to use the customer support services provided within the Alivio application, or any other support channel designated by the Company, for any queries, operational issues, or concerns related to the App, the digital products, or their responsibilities. Any escalation beyond routine support shall first be raised by the Channel Partner with the authorised distributor of Bayer(as communicated by Bayer), who will thereafter communicate such escalation to the Company as appropriate. The Company will make reasonable efforts to review and address such escalations in accordance with its internal service request processes; however, the Channel Partner acknowledges and agrees that the Company is not legally obligated, bound, or required to guarantee the resolution of any such issues.
1.11 The Channel Partner acknowledges that Alivio Assurance offerings are subject to specific agricultural timelines, including permissible sowing, transplanting, and pruning dates. The Channel Partner shall ensure that such offerings are sold to farmers only before the applicable permissible dates and shall clearly communicate these validity periods, along with the data-entry requirements the grower must complete to activate the offering. The Company shall not be liable for any loss, claim, ineligibility, or denial of benefits resulting from the Channel Partner’s delay, omission, miscommunication, or sale of offerings beyond the permitted timelines.
2. Distributor Mapping, Responsibility, and Liability Safeguards
2.1 The Channel Partner understands and agrees that the allocation and mapping of Alivio Offerings related SKUs to their digital account on Alivio shall be done by the Company based on the information shared by the Distributor from whom the Channel Partner has purchased such offerings.
2.2 , strictly in accordance with the commercial terms mutually agreed between Distributor and Channel Partner. The Company shall bear no responsibility or liability whatsoever for any dispute, misunderstanding, delay, non-performance, deficiency, or misconduct (whether willful or otherwise) on the part of the Distributor, including but not limited to the quantity, timing, or accuracy of SKU mapping. All such matters shall be addressed exclusively between the Channel Partner and the Distributor.
2.3 Once SKUs are mapped by the Distributor to the Channel Partner’s account, such mapping shall be deemed final, irrevocable, and non-refundable. The Company shall not process or be required to process any cancellation, reversal, refund, or reallocation of mapped SKUs, irrespective of any commercial or operational disagreement between the Channel Partner and the Distributor.
2.4 All commercial dealings including pricing, payment terms, invoicing, credit arrangements, discounts, warranty, and fulfilment are strictly between the Channel Partner and the Distributor. The Company is not a party to, nor responsible for, any commercial transactions or disputes between them, nor does it provide any assurance regarding such arrangements.
2.5 The Company shall not, under any circumstances, be liable for any act, omission, delay, negligence, misrepresentation, breach of terms, deficiency of service, operational lapse, or willful misconduct of the Distributor. Any claims, losses, grievances, or damages arising out of the Distributor’s conduct shall be raised solely against the Distributor, without any recourse to the Company.
2.6 The Company does not guarantee the timeline, speed, manner, or sequence in which the Distributor maps SKUs to the Channel Partner. Any delay or operational issue in mapping by the Distributor shall not constitute a default or liability of the Company.
2.7 SKU allocation to the Channel Partner’s account is executed exclusively based on Distributor’s request to company.
2.8 The Channel Partner agrees to indemnify and hold harmless the Company, its affiliates and the respective officers and employees from and against any claims, disputes, losses, damages, liabilities, penalties, or expenses arising out of or in connection with (i) the conduct or transactions of the Channel Partner, or (ii) any commercial or operational disagreement relating to SKU purchase, payment, mapping, allocation, or fulfilment between the Channel Partner and the Distributor.
2.9 Notwithstanding anything contained herein, the Company may, at its sole discretion and on a strictly case-to-case basis, permit a relaxation, modification, or exception to the provisions relating to SKU mapping, refunds, reversals, or allocations. Such relaxation shall be granted only in exceptional circumstances and only where the Company determines that doing so shall not result in any financial loss, operational burden, legal exposure, reputational risk, or any other form of harm to the Company. The Channel Partner acknowledges that the Company has no obligation to grant any such relaxation and that any exception granted shall not constitute a precedent or entitlement for future cases.
3. Data collection & confidentiality
3.1 The Channel Partner shall collect grower details solely for the purpose of sales of the Digital Product and share them exclusively with the Company.
3.2 The Channel Partner shall not use, sell, or distribute data for any other purpose.
3.3 The Company along with the Channel Partner shall ensure compliance with applicable data privacy laws in India and safeguard farmer information.
3.4 Data Privacy clauses as per Section 4 of this Annexure of Terms of Use shall be applicable on channel partner and company.
4. Data privacy
4.1 The Channel Partner shall collect Customers’ data solely in relation to the Digital Product and shall and share it exclusively with the Company. The Channel Partner shall not use, sell, or distribute the Customers’ data for any other purpose.
4.2 The Channel Partner represents and warrants that it complies with and will continue to comply with all applicable laws of India including but not limited to data protection and privacy laws. The Channel Partner understands and acknowledges that it shall only share personal data of the Customers etc. with the Company only after it has received the requisite consent and authorizations for the same.
4.3 The Channel Partner explicitly and unambiguously consents to the collection, use and transfer, in electronic or other form, of the personal data of its employees, director/partner and officers for the exclusive purpose of implementing, administering and managing the business transactions as envisaged in this Agreement. The Channel Partner understands that refusal or withdrawal of consent may affect the Distributor's ability to enter into the Agreement.
4.4 The Channel Partner understands that the Company and its affiliates may hold certain personal information of its employees, director and officers, for the exclusive purpose of implementing, administering and managing the Digital Product envisaged in the Agreement.
4.5 The Channel Partner understands that Personal Data of its employees, directors/partners or officers may be transferred to any Subsidiary or affiliate, or third parties as may be selected by the Company to assist the Company with the implementation, administration and management of the Digital Product.
4.6 The data protection obligations as given under this clause shall survive termination/ expiration of these Legal Terms.
5. Intellectual property rights
5.1 The Digital Product is owned by Company or its affiliates or agents, and is protected by applicable laws and international treaty provisions. All content, trademarks, services marks, trade names, logos, and icons are proprietary to Company or its affiliates or agents. Nothing contained in the Digital Product, or this Agreement should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Digital Product or any trademark displayed in the Digital Product without the written permission of Company or such third party that may own the trademarks displayed in the Digital Product.
5.2 The Channel Partner shall not directly or indirectly during and after the Term of this Agreement used in any manner the signature monogram trademark or name that is now or may hereafter be owned by the Company or any of its group company or affiliates except in a manner and to an extent that the Company may consent to in writing if any trademark or name is used in any way with the express written approval of the Company the Channel Partner on termination of this Agreement will discontinue such use and shall not thereafter use any name title or expression in connection with any business in which it may thereafter be engaged which in the judgment of the Company so nearly resembles any trademark or name owned by the Company or any of its Group company or affiliates as may be likely to lead to confusion or uncertainty on part of the public.
6. Indemnity & limitation of liability
6.1 The Channel Partner shall indemnify and keep indemnified the Company and its affiliates at all times from and against all actions, suits, proceedings, claims, demands, liabilities, penalties, losses costs and expenses of whatsoever nature made or suffered or incurred by the Company and its affiliates whether by reason of or by virtue of (i) any non-performance or non-observance or non-compliance by the Channel Partner of any terms and conditions of this Terms of Use or of any of the applicable laws of the land; or (ii) any wilful misconduct or negligent acts or omissions on the part of the Channel Partner or its employees / agents/ representatives/sub-contractors
6.2
Notwithstanding anything stated under
this Terms of Use, any amount chargeable in pursuance of claims, damages and
compensation under this Agreement shall attract GST and other applicable taxes,
if any which shall be charged additionally at the prevailing rates
7. Deboarding & Legal Consequence
7.1 For the purposes of these Terms of Use, “Deboarding” shall include any act by which a Channel Partner ceases to access or use the Alivio application, including but not limited to:
a) deleting or deactivating their Alivio user account;
b) uninstalling the Alivio application; or
c) providing written or verbal communication indicating an intention to discontinue participation in the Alivio program.
7.2 If a Channel Partner voluntarily deboards from Alivio, the Company shall bear no liability whatsoever for any unsettled or unutilized Alivio Assurance Credits by the Channel Partner
7.3 The Company reserves the right to mandatorily deboard a Channel Partner, with or without prior notice, if the Channel Partner is found to have violated these Terms of Use, the Channel Partner Terms & Conditions, any Company policy, or has engaged in fraudulent, unlawful, unethical, or otherwise prohibited conduct.
7.4 Upon deboarding (voluntary or mandatory), all access rights to the Alivio platform and related services shall cease immediately. The Channel Partner shall not claim any compensation, continuation of benefits, or indemnification from the Company for any loss, business disruption, or pending obligations resulting from deboarding.
8. Assignment
The rights and benefits under these Legal Terms shall not be assigned or be assignable by the Channel Partner without the previous written consent of the Company.
9. Suppression of other agreement
In
respect of Alivio or any matters covered under these Legal Terms, there are no
representations, terms, conditions or obligations oral or written, express or
implied, other than those contained herein. These Legal Terms constitute the
entire understanding, in respect of the transactions contemplated herein,
between the parties and supersedes all previous agreements.
10. Severability
The
Legal Terms are subject to the restrictions, limitations, terms and conditions
of all applicable governmental regulations, approvals and clearances. If any
term or provision of these Legal Terms shall for
any reason be held invalid, illegal or unenforceable in any respect, such
invalidity, illegality or unenforceability shall not affect any other term or
provision hereof, and these Legal Terms shall be interpreted and construed as
if such term or provision, to the extent same shall have been held to be
invalid, illegal or unenforceable, had never been contained herein.
11. Non-waiver
Waiver by either party of any breach of or failure to comply with any provision of these Legal Terms shall not be construed as or constitute a continuing waiver of, or waiver of any other breach of or failure to comply with, any provision of these Legal Terms.
1. This section defines Alivio Assurance Product Design for different crops in different geographies. In case of any difference between this note and the formal insurance policy issued by the insurance company, the insurance policy terms will always prevail.
2. “Critical windows/Risk Windows” refer to key phases in the crop cycle when Assurance benefit conditions are checked for potential Alivio Assurance Credits disbursement to the grower. “Assurance benefit conditions” refers to pre-defined criteria that trigger issuance of Alivio assurance credits upon satisfaction.
3. “Assurance benefit condition” is a mathematical logic that checks whether the grower’s plot is eligible for Alivio Assurance benefits and calculates the Alivio Assurance Credits that the grower is eligible to receive as benefit (if applicable).
4. The Grower provides their consent to Bayer to share relevant plot-level data with the insurance provider to enable this offering for Grower.
5. The Grower acknowledges the importance of timely and accurate sowing date entry, which is restricted to defined as number of days prior to the current date (see respective crop offerings below) in the digital application of Alivio. These entries define critical periods used in the assurance evaluation.
6. Observed Parameter: For any risk type, the “Observed Parameter” is the value of the relevant indicator (10-day moving average of SWC, 5 or 7-day moving average of LST, and change in SWC) for the specific plot on the days when satellite overpass happens. The same parameter is used in the assurance benefit conditions.
a. Soil Water Content (SWC): This is the amount of moisture present in the soil of your plot. It is estimated using satellite data for a small 30 m × 30 m area at the centre of your field. Alivio receives this satellite data from an external third-party provider. Please note that this is an average of soil moisture content of all satellite image pixels overlapping the small 30 m × 30 m area.
b. Land Surface Temperature (LST): This means the temperature of the land surface of your plot. It is estimated using satellite data for a small 30 m × 30 m area at the centre of your field. Alivio receives this satellite data from an external third-party satellite data provider. Please note that this is an average of soil moisture content of all satellite image pixels overlapping the small 30 m × 30 m area.
7. The Grower understands that the assurance benefits are calculated based on the observed parameter, using third party satellite data.
8. Permissible Dates of Planting/Sowing/Transplanting: This is the date range in which the actual date of planting/sowing of crop on the specific plot must fall. Sowing date that falls within this permitted window as defined in your specific Alivio Assurance offering will be eligible for potential benefits.
9. Planting/Sowing/Transplanting date entry window: The days within which grower is allowed to enter his/her sowing date after actual sowing.
10. Trigger Value:
a. Trigger values are the pre-defined threshold levels of the Observed Parameter for each risk type/Cover, risk window, and/or phase.
b. When the Observed Parameter crosses these trigger levels in the adverse direction, the plot may become eligible for an assurance benefit as per the applicable assurance benefit conditions and assurance product offering.
11. Entry level and Exit Level values are used in estimating the eligibility and payout amount for Alivio Assurance credits, wherein Entry level value is the minimum threshold for plot based observed index/parameter to have on a given satellite observation day for eligibility towards disbursement of Alivio Assurance credits. While Exit level values define the upper limit of observed index/parameter that will be considered in calculation of payout of Alivio Assurance credits.
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Alivio Assurance (Kharif 2026) |
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Geography: Corn Germination: Selected districts of Maharashtra, Karnataka, Madhya Pradesh, Andhra Pradesh, Telangana, and Gujarat |
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Corn Germination |
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Observed Parameter |
Last 10 days Moving Average of observed soil water content of the specific plot on the days when satellite overpass happens. |
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Permissible Dates of Sowing |
Not Applicable as this product uses a fixed critical risk window. |
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Assurance Benefit Condition |
Whenever Observed Parameter is less than Applicable Trigger value of the respective phase of Cover A in the critical risk window. Whenever such condition is satisfied, this is considered as an event. |
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Maximum Alivio Assurance Credits |
8000 |
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Critical Risk Window / Cover |
Applicable Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Minimum of 17.0% or lowest observed parameter value in Phase - 1. |
500 Alivio Assurance Credits for each unit deficit from the Applicable Trigger value. Each event in capped at 2000 Alivio Credits. |
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Cover A - Low Soil Moisture | Phase 2: 15 June to 15 July |
Minimum of 17.0% or lowest observed parameter value in Phase - 2. |
500 Alivio Assurance Credits for each unit deficit from the Applicable Trigger value. Each event is capped at 1000 Alivio Credits |
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Additional Notes: This product uses a fixed static calendar window from 15th June 2026 to 15th July 2026 that is considered as critical risk window wherein the grower’s plot is eligible for Alivio Assurance Benefits subject to the grower mapping his plot before the start of the critical risk window. 1. The Assurance benefit evaluation always begins in Phase 1 for all enrolled plots. 2. During Phase 1 (15 June to 15 July), payouts are triggered whenever the Observed Parameter is below the applicable trigger value, as per Phase 1 rules. 3. Once at least one valid payout has been triggered in Phase 1, the system continues to monitor the Observed Parameter on subsequent satellite overpass days. 4. If, after at least one payout in Phase 1, the Observed Parameter rises to or above the threshold value of 17.0%, the plot is considered to have transitioned to Phase 2. 5. From the date of such transition onwards, Phase 2 rules and payout structure will apply for all subsequent evaluations within the critical risk window. 6. Once the plot transitions to Phase 2, it cannot revert back to Phase 1. |
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Corn Flowering |
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Observed Parameter |
Last 10 days Moving Average of observed soil water content of the specific plot on the days when satellite overpass happens |
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Permissible Dates of Sowing |
10th June 2026 to 15th July 2026 |
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Sowing date entry window |
Within 35 days of actual sowing date subject to sowing date is within permissible date of sowing. |
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Assurance Benefit Condition |
For Cover A: Low Soil Moisture For Cover B: Water logging |
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Maximum Alivio Assurance Credits |
10000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Low Soil Moisture
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17.0% |
500 Alivio assurance credits credited for every 1.0% decrease below trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000, with Cover A maximum payout capped at 5,000 Alivio assurance credits per plot. |
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Cover B: Waterlogging
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40.0% |
500 Alivio assurance credits credited for every 1.0% increase above Trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000, with Cover B maximum payout capped at 5,000 Alivio assurance credits per plot. |
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Cotton |
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Observed Parameter |
Cover A: 10-day Moving Average of observed soil water content of the specific plot on the days when satellite overpass happens Cover B: 5-day Moving Average of daytime land surface temperature of the specific plot on the days when satellite overpass happens Cover C: 10-day Moving Average of observed soil water content of the specific plot on the days when satellite overpass happens |
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Permissible Dates of Sowing |
10th June 2026 to 15th July 2026 |
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Sowing date entry window |
Within 45 days of actual sowing date subject to sowing date is within permissible date of sowing. |
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Assurance Benefit Condition |
For Cover A: Low Soil Moisture For Cover B: Heat Stress For Cover C: Water logging |
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Maximum Alivio Assurance Credits |
15000
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Low Soil Moisture |
17.0% |
500 Alivio assurance credits credited for every 1.0% decrease below trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000, with Cover A maximum payout capped at 10,000 Alivio assurance credits per plot. |
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Cover B: Heat Stress |
45.0°C |
500 Alivio assurance credits credited for every 1.0°C increase above Trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000, with Cover B maximum payout capped at 5,000 Alivio assurance credits per plot. |
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Cover C: Waterlogging |
40.0% |
500 Alivio assurance credits credited for every 1.0% increase above trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000, with Cover C maximum payout capped at 10,000 Alivio assurance credits per plot. |
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Soyabean |
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Observed Parameter |
Change in observed soil water content of the specific plot between the current satellite overpass date and the most recent prior satellite overpass date |
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Permissible Dates of Sowing |
10th June 2026 to 15th July 2026 |
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Sowing date entry window |
Within 60 days of actual sowing date subject to sowing date is within permissible date of sowing |
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Assurance Benefit Condition |
Whenever the Observed Parameter is greater than the trigger value of the Cover A in the critical risk window. Whenever such condition is satisfied, this is considered as an event. |
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Maximum Alivio Assurance Credits |
15000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Heavy Rainfall around Harvest Period
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6.0% |
500 Alivio assurance credits credited for each 1.0% increase above trigger value. Maximum Alivio assurance credits per eligible event are capped at 2000. |
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Rice |
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Observed Parameter |
Cover A: Last 5 days Moving Average of observed daytime land surface temperature of the specific plot on the days when satellite overpass happens Cover B: Last 10 days Moving Average of observed soil water content of the specific plot on the days when satellite overpass happens |
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Permissible Dates of Sowing |
10th June 2026 to 15th July 2026 |
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Sowing date entry window |
Within 45 days of actual sowing date subject to sowing date is within permissible date of sowing |
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Assurance Benefit Condition |
For Cover A: Heat Stress For Cover B: Low Soil Moisture |
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Maximum Alivio Assurance Credits |
10000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Heat Stress
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42.0°C |
500 Alivio assurance credits credited for each 1.0°C increase above trigger value. Maximum Alivio assurance credits per eligible event are capped at 2500, with Cover A maximum payout capped at 5,000 Alivio assurance credits per plot. |
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Cover B: Low Soil Moisture
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20.0% |
500 Alivio assurance credits credited for each 1.0% decrease below trigger value. Maximum Alivio assurance credits per eligible event are capped at 2500, with Cover B maximum payout capped at 5,000 Alivio assurance credits per plot. |
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Groundnut |
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Observed Parameter |
Last 10 days Moving Average of
observed soil water content of the specific plot on the days when satellite
overpass happens. |
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Permissible Dates of Sowing |
10th June 2026 to 15th July 2026 |
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Sowing date entry window |
Within 35 days of actual sowing date subject to sowing date is within permissible date of sowing. |
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Assurance Benefit Condition |
For Cover A: Dry Spell |
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Maximum Alivio Assurance Credits |
15000
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Dry Spell |
18.0% |
1,500 Alivio Assurance Credits are awarded for each qualifying dry-spell event. A maximum of 3 consecutive dry-spell events are eligible, provided no wetting event occurs. Any wetting event resets the consecutive dry-spell count to 0.
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Alivio Assurance (Late Kharif 2026) |
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Geography: Selected districts of Maharashtra, Karnataka, Madhya Pradesh, Andhra Pradesh, Telangana, and Gujarat |
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Onion |
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Observed Parameter |
Change in observed soil water content of the specific plot between the current satellite overpass date and the most recent prior satellite overpass date |
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Permissible Dates of Transplanting |
10th August 2026 to 15th October 2026 |
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Sowing date entry window |
Within 60 days of actual sowing date subject to sowing date is within permissible date of sowing. |
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Assurance Benefit Condition |
For Cover A: Significant
Unseasonal Rainfall
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Maximum Alivio Assurance Credits |
15000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Significant Unseasonal Rainfall
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4.0% |
1,000 Alivio Assurance Credits credited for every 1.0 percentage-point increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 2,000, with Cover A maximum payout capped at 15,000 Alivio Assurance Credits per plot. |
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Green Chilli |
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Observed Parameter |
Cover A: Change in observed soil water
content (ΔSWC) of the specific plot between the current valid satellite
overpass and the immediately preceding valid satellite overpass. |
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Permissible Dates of Transplanting |
1st August 2026 to 15th October 2026 |
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Transplanting date entry window |
Within 50 days of actual transplanting date, subject to the transplanting date being within the permissible dates of transplanting. |
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Assurance Benefit Condition |
For Cover A: Significant Unseasonal
Rainfall |
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Maximum Alivio Assurance Credits |
25,000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Significant Unseasonal Rainfall |
4.0% |
250 Alivio Assurance Credits credited for every 1.0 percentage-point increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 1,500, with Cover A maximum payout capped at 12,500 Alivio Assurance Credits per plot. |
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Cover B: Heat Stress |
48.0°C |
250 Alivio Assurance Credits credited for every 1.0°C increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 1,500, with Cover B maximum payout capped at 12,500 Alivio Assurance Credits per plot. |
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Red Chilli |
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Observed Parameter |
Cover A: Change in observed soil water content (ΔSWC) of the specific plot between the current valid satellite overpass and the immediately preceding valid satellite overpass. |
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Permissible Dates of Transplanting |
15th July 2026 to 15th October 2026 |
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Transplanting date entry window |
Within 60 days of actual transplanting date, subject to the transplanting date being within the permissible dates of transplanting. |
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Assurance Benefit Condition |
For Cover A: Significant Unseasonal
Rainfall |
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Maximum Alivio Assurance Credits |
20,000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Significant Unseasonal Rainfall |
4.0% |
250 Alivio Assurance Credits credited for every 1.0 percentage-point increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 1,500, with Cover A maximum payout capped at 20,000 Alivio Assurance Credits per plot. |
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Tomato |
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Observed Parameter |
Cover A: Change in observed soil water
content (ΔSWC) of the specific plot between the current valid satellite
overpass and the immediately preceding valid satellite overpass. |
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Permissible Dates of Transplanting |
1st August 2026 to 15th October 2026 |
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Transplanting date entry window |
Within 50 days of actual transplanting date, subject to the transplanting date being within the permissible dates of transplanting. |
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Assurance Benefit Condition |
For Cover A: Significant Unseasonal
Rainfall |
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Maximum Alivio Assurance Credits |
25,000 |
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Cover and Critical Risk Window |
Trigger Value |
Assurance Benefit (in Alivio Assurance Credits) |
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Cover A: Significant Unseasonal Rainfall |
4.0% |
250 Alivio Assurance Credits credited for every 1.0 percentage-point increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 1,500, with Cover A maximum payout capped at 12,500 Alivio Assurance Credits per plot. |
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Cover B: Heat Stress |
48.0°C |
250 Alivio Assurance Credits credited for every 1.0°C increase above the Trigger Value. Maximum Alivio Assurance Credits per eligible event are capped at 1,500, with Cover B maximum payout capped at 12,500 Alivio Assurance Credits per plot. |
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