Effective date: 2 October 2026. This disclosure is provided for information. It is not exhaustive. Read it alongside the terms and documents applicable to the Farm Plan you choose.
1. Purpose of this disclosure
Qimo Farms operates Farm Plans through its website and, where enabled, its Investor Portal. Current plan settings may allow account registration, applications, payment options, documents and allocation records. This document describes the principal agricultural, operational and participation risks. It does not replace the terms, documents or records that apply to a particular plan.
2. Agricultural and biological risk
Crop performance depends on rainfall, temperature, soil condition, the quality of planting material, pests, diseases and the standard of field management. Oil palm, cocoa, coconut and mango are all subject to established diseases and pests, and yields vary materially from year to year, from block to block and between estates. Some plantings may fail and require replacement. There is no assurance that any crop will reach its expected productivity.
3. Establishment and timing risk
Tree crops take years to reach commercial production. Oil palm, cocoa, coconut and mango each follow their own establishment and productive timelines. Although soil testing is complete and land preparation is under way, crop-block organisation, seedling sourcing, planting and ongoing management may be delayed by weather, contractor or seedling availability, community or regulatory processes, or funding. Published timelines are planning targets and may slip.
4. Land and legal risk
Development depends on the company securing and retaining lawful rights to the land it develops. Land verification, survey, title documentation, customary consents and government permissions may take longer than expected, cost more than expected or, in some cases, not be obtained. Disputes over land can arise in Nigeria and can delay or halt development.
5. Market and price risk
Prices for fresh fruit bunches, palm oil, cocoa, coconut and mango move with local and international supply and demand, exchange rates, transport costs and government policy. Revenue depends on finding buyers at acceptable prices at the time of harvest, and on the logistics needed to deliver perishable produce promptly.
6. Operational and management risk
The business depends on its management team, on skilled and unskilled labour, on access to fertiliser, fuel, equipment and spare parts, and on roads and infrastructure. Loss of key people, labour disputes, theft, fire, equipment failure or rising input costs may all affect results. Any future processing activity would carry additional technical and commercial risks.
7. Financial and capital risk
Agricultural estates require significant capital for several years before producing meaningful revenue. The company may need more capital than planned, may not be able to raise it on acceptable terms, and may need to slow or reduce development as a result. Revenue is not profit: operating costs, administration, financing, taxes and reserves must all be met before any profit exists, and only a portion of profit could ever be distributable. The value of any future participation may fall, and participants may lose some or all of what they contribute.
8. Liquidity risk
Any future participation in a private agricultural business is unlikely to be readily transferable or redeemable. Participants should expect to hold their participation for the long term and should not rely on being able to exit.
9. Regulatory and structural risk
The rights and obligations for a Farm Plan are set out in its current terms and associated documents. Changes in Nigerian law, regulation or tax treatment may affect the plans, the business or participants. No return is guaranteed.
10. Environmental, social and climate risk
Changing rainfall patterns, extreme weather, flooding or drought may affect yields and infrastructure. The business must also maintain good relations with neighbouring communities and comply with environmental requirements, and failure to do so could disrupt operations.
11. Forward-looking statements
This website and any future documentation may contain forward-looking statements about planting, production, processing, revenue or expansion. These are based on assumptions that may prove wrong and are subject to the risks described above. They are not guarantees of future performance.
12. Information risk
Much of the information on this website is labelled as management reported, estimated or an assumption, and has not been independently verified. Decisions should not be based on such information alone.
13. What this means for you
Participation in an agricultural business of this kind is suitable only for people who understand these risks, are able to commit funds for the long term and could withstand the loss of their contribution. Anyone considering a Farm Plan should take independent legal, financial and tax advice and should review the applicable plan terms and documents.
For questions, please use the contact form and select "Investor information request". We respond with approved information only.
Last updated 4 October 2026. Approved for publication 23 September 2026.