FEDERAL REPUBLIC OF NIGERIA • STATUTORY TRUST DIRECTORY

Statutory Governance, Trust Framework & Legal Policies

CultivaNode operates under the strict legal tenets of the Nigeria Data Protection Act (NDPA 2023), Central Bank of Nigeria (CBN) financial escrow regulations, and peer-verified agricultural contracts across all nodes in the South-West Corridor.

Designated Custodian RailsLive FedWire
Providus Bank Plc
Designated Escrow Reserve #01248-NG
Wema Bank Plc / ALAT
Tractor Disbursement Rail #99401-NG
Last Solvency Audit: 04 Mar 2025Tier-1 Guaranteed
NDPA 2023 AuditedFull Farmer Data Autonomy
CBN Escrow ClearingProvidus & Wema Custody
NIMC NIN VerificationsLevel 0 to Tier 3 Identity
0% Pilot CommissionStatutory Pilot Guarantee
Document Navigation (§4.19)• Select an active covenant
DOCUMENT 74 • CLAUSE 1NDPA 2023 / SEC 24(1)-(3)

Clause 1: Data Sovereignty, Crop-Cycle Records & Absolute Farmer Ownership

CultivaNode Infrastructure Ltd does not claim proprietary interest, IP rights, or operational ownership over any biometric identifiers, satellite cadastre boundaries, fertilizer schedules, or yield metrics created within this network. All agricultural production metrics remain the sovereign, exclusive asset of the registered landholder or certified tenant farmer.

No Data Monetization

CultivaNode is strictly prohibited from pooling, aggregating, or auctioning cadastral farm polygon data to international grain speculators or agrochemical cartels.

Right to Erasure & Portability

Under NDPA 2023 §34, every producer may immediately download their complete soil telemetry and harvest history, or order total cryptographic erasure of server storage.

Designated Data Protection Officer (NDPC Registered)

Inquiries, right-to-be-forgotten petitions, and cooperative disclosures must be directed to our registered compliance desk at dpo@cultivanode.ng. Formal response SLA: Within 48 regulatory hours.

DOCUMENT 2 • CLAUSE 2CBN ESCROW DIRECTIVE 2021/T1

Clause 2: Central Bank of Nigeria (CBN) Partner Escrow Architecture & 0% Commission

CultivaNode is an agricultural telematics and matchmaking software architecture. CultivaNode does not operate as an unlicensed financial institution, shadow deposit-taker, or unhedged digital wallet provider.

Custodian Bank Trust Separation

Every tractor booking deposit, diesel mobilization fee, and grain off-take guarantee fund resides exclusively inside segregated omnibus escrow accounts established at Providus Bank Plc and Wema Bank Plc. Funds never enter CultivaNode operational payroll or balance sheets. Disbursements are triggered solely upon automated GPS/IoT Proof-of-Work telemetry confirmations.

0% Pilot Commission Policy

Codified under Section 4.12 of the Regional Pilot Charter: All cluster participants retain 100% of contract settlement value. No spread, maintenance fee, or arbitrary markup is deducted from tractor owners or smallholders during the current agrarian cycle.

NIBSS Instant Settlement (NIP)

Release of escrow funds to machinery service providers upon geofenced job completion utilizes the Nigeria Inter-Bank Settlement System (NIBSS) protocol directly from Providus Escrow Rails with dual signatory validation.

DOCUMENT 2 • CLAUSE 3KYC / AML REGULATIONS 2024

Clause 3: 4-Tier Verification & Anti-Fraud Sanctions

To defend farm clusters against land-cadastre spoofing, equipment theft, and phantom booking syndicates, participation is governed by strict identity verification steps.

Tier & NameRequired CredentialsEscrow CapEnforcement Risk
Tier 0: Basic SMSNigerian MSISDN OTP verification₦50,000 / dayRead-only cluster telemetry
Tier 1: ProducerNIMC NIN + Geotagged plot anchor₦500,000 / hirePlot validation required
Tier 2: SyndicateBank BVN + Registered Coop endorsement₦2,500,000 / batchJoint cooperative liability
Tier 3: EnterpriseCAC Registration + On-site Agronomist auditUnlimitedCorporate bond & asset lien

Statutory Penalty Notice: Uploading fabricated plot coordinates or submitting manipulated Proof-of-Work imagery triggers immediate account forfeiture, permanent BVN blacklisting via partner banks, and prosecution under Section 378 of the Nigerian Criminal Code Act.

DOCUMENT 2 • CLAUSE 4TRACTOR SYNDICATE CODE §4.19

Clause 4: Mechanization Booking Dissolution & Refund Schedule

Industrial machinery relocation in South-West Nigeria involves fixed fuel mobilization costs and route planning. The following legally binding schedule applies to all tractor, harvester, and drone bookings executed on CultivaNode:

> 48 Hours Notice
100% Refund
Zero operator transit penalty

Full escrow return credited within 60 minutes of farmer cancellation initiation.

24 – 48 Hours Notice
90% Refund
10% Operator fuel compensation

Covers operator routing commitment and driver reservation fees.

< 24 Hours Notice
75% Refund
25% Operator deadhead transit fee

Compensates operator for deadhead transit fuel consumed en-route to farm gate.

Force Majeure Protection: Torrential rainfall, flash flooding, or documented engine failure guarantees automatic free rescheduling or a 100% full refund with zero deductions.
DOCUMENT 2 • CLAUSE 5ARBITRATION CODE ACT 2023

Clause 5: Proof-of-Work (PoW) Telematics & 48-Hour Dispute Arbitration

Escrow release is governed by objective technological validation rather than verbal assertions. Both mechanization contractors and hiring farmers enter a legally binding telematics framework upon task commencement.

GPS Geofencing

Equipment IoT beacons must register continuous operational pings strictly within the producer's cadastral parcel boundary.

Cryptographic EXIF

Post-plowing and harvest imagery must carry authentic time-stamped camera sensor EXIF hashes to prove genuine field completion.

48-Hr Dispute Window

Farmers have 48 hours to raise a quality objection. If contested, an independent certified cluster agronomist renders a final binding verdict.

FEDERAL REGISTRY OF RECORDS & DOWNLOADS

Statutory Incorporation & Compliance Certificates

CultivaNode provides open, verified access to our legal registration records and downloadable executed copies of master covenants for legal review by farm cooperatives.

Corporate Affairs Commission (CAC)
CAC/RC/2023/1849103

Incorporated under Companies and Allied Matters Act (CAMA 2020) as an Agrarian Telematics Infrastructure Provider.

Incorporation Date: 14 Aug 2023 Active
Nigeria Data Protection Commission (NDPC)
NDPC/APP/2024/0914-SW

Registered Agricultural Data Controller of Major Importance (DCMI) under the Nigeria Data Protection Act 2023.

Audit Expiry: 31 Dec 2025 Audited
CBN Regulated Partner Custodians
Providus & Wema Bank

Designated Agronomic Escrow Trustees operating under Central Bank of Nigeria Electronic Payments Regulations.

Escrow Ratio: 100% Cash Backed Segregated
Download Executable Statutory Documentation

Authenticated PDF documents stamped with cryptographic signatures for offline cooperative review.

Download Master Legal Bundle (.ZIP)
1.4 MB
NDPA 2023 Compliance & Privacy Charter
Document Ref: 74-NDPA-v3.1
Read Charter
920 KB
Master Terms & Mesh Conditions
Document Ref: 02-TOS-2025
Read Terms
1.1 MB
Machinery Escrow & Cancellation Code
Document Ref: 02-ESC-§4.19
Read Policy
810 KB
Dispute Arbitration Framework
Document Ref: 02-ARB-48H
Read Policy