Pakistan Among World's Largest Food Producing Countries

Pakistan's agriculture output is the 10th largest in the world. The country produces large and growing quantities of cereals, meat, milk, fruits and vegetables. Currently, Pakistan produces about 38 million tons of cereals (mainly wheat, rice and corn), 17 million tons of fruits and vegetables, 70 million tons of sugarcane, 60 million tons of milk and 4.5 million tons of meat.  Total value of the nation's agricultural output exceeds $50 billion.  Improving agriculture inputs and modernizing value chains can help the farm sector become much more productive to serve both domestic and export markets.  

Top 10 Countries by Agriculture Output. Source: FAO

Pakistan has about 36 million hectares of land under cultivation. Wheat and rice are grown on more than half of it. Fruits and vegetables each account for only about 3% of the cultivable land.  Since year 2001, the country's cereal production, mainly wheat, corn and rice, has grown about 45% to 38 million tons. Pakistan produced 6.64 million tons of vegetables and 5.89 million tons of fruits in 2001. 

Pakistan is the world’s 4th largest exporter of rice. The country's domestic production is estimated to surge 13.6% to an all-time high of 8.4 million tons in the year end June 2021, according to Bloomberg.  

Vegetable production rose to about 10 million tons and fruit production increased to nearly 7 million tons in 2015.  A little over 60% of Pakistan's agriculture consists of livestock. Pakistan produces 60 million tons of milk and 4.5 million tons of meat.  Fish production adds up to about 575,000 tons. 

Pakistan's Rising Rice Exports. Source: Bloomberg

Share of Land For Various Crops in Pakistan

Crop yields in Pakistan are low, mainly due to poor quality inputs like seeds. In addition to fertilizer and water, seed is the basic input for agriculture sector and has a major role in enhancing agriculture productivity. This needs to be a key area of focus for Pakistani policymakers working on agriculture. 


Other critical area is post-harvest handling, particularly storage and transportation that is in desperate need of improvement. Post-harvest losses in fruits and vegetables due to mishandling of the perishable product, poor transportation, and inadequate storage facilities and market infrastructure account for about 30%–40% of total production, according to experts at Asian Development Bank.  

World's 5th Largest Population of Chicken in Pakistan 


Improvements in agriculture inputs and modernization of post-harvest process require significant financing and investment. Growers get only a small fraction of value of what they produce, making it difficult for them to make these investments. Middlemen finance farmers and take the lion's share of profits in the value chain.  

Source: FAO via Kleffmann Group

Most of the farmers sell their produce to wholesalers via middlemen called arthis, according to an ADB report. Farmers contract out fruit orchards during the flowering stage to the middlemen (arthis), commission agent, and/or wholesalers who provide loans to the farmers over the course of production. Vegetables and fruits are transported by the same cart or truck from farms to the main markets in the absence of specialized vehicles for specific products. The same vehicle is used for many other purposes including animal transportation. Recently however, reefer (refrigerated) trucks have been introduced on a limited scale in some parts of Pakistan. In the absence of direct access of carrier vehicles to the farms, farmers gather their products in a convenient spot along the roadside for pickup. When middlemen or contractors are involved, it is their responsibility to collect and transport the produce. The unsold produce in one market is sent to other markets in the same locality. 

Date Palms in Sindh, Pakistan. Photo: Emmanuel Guddu

Investments in modernization of the agriculture production process and farm-to-market value chain will require major reforms to ensure growers get a bigger share of the value. The extraordinary power of the middlemen (arthis) as financiers needs to be regulated. This can not happen without legislation in close consultation with the growers. Improving agriculture inputs and modernizing value chains can help raise the productivity of the farm sector for it to serve both domestic and export markets better.  

Related Links:


Haq's Musings

South Asia Investor Review

Chicken Cheaper Than Daal

Meat Industry in Pakistan

Bumper Crops and Soaring Tractor Sales in Pakistan

Meat and Dairy Revolution in Pakistan

Pakistanis Are Among the Most Carnivorous

Eid ul Azha: Multi-Billion Dollar Urban-to-Rural Transfer

Pakistan's Rural Economy

Pakistan Leads South Asia in Agriculture Value Addition

Median Incomes in India and Pakistan

Views: 2166

Comment by Riaz Haq on October 6, 2021 at 8:59am

#Pakistan #agriculture #startup Tazah gets #2 million pre-seed funding. It screens produce for quality, removes rotten produce. It sorts into categories for specific types of buyers. Now it offers 5 products: ginger, garlic, tomatoes, potatoes & onions. https://tcrn.ch/3lgDm7C


“There is the traditional supply chain and we’re building a parallel customized supply chain that is a more efficient supply chain,” said Bajwa. “It’s almost like reinventing the wheel to build a supply chain that ensures products move as fast as possible from point of harvest to point of retail.” This means Tazah will make early investments as it works with its warehousing and trucking marketplaces for middle- and last-mile deliveries, establishing best practices for how to handle produce.

Since Tazah needs to make deliveries early in the morning, it operates small fulfillment centers in addition to warehouses to stay close to customers. Part of its new funding will be used to expand its fulfillment center network in Lahore, with the goal of being operational in the entire city by the middle of October, before expanding into new regions.

Over-harvesting also contributes to food waste, and one of Tazah’s goals is to build a data and analytics platform that will help farmers plan crops to make sure there is no oversupply in the markets they serve. Farmers typically sell their produce at markets, occasionally forming groups with other farmers. But they don’t have a lot of information about market places and supply/demand beyond their communities. They also often end up in debt to middlemen because they lack access to working capital.

While Tazah is currently focused on its supply chain work, it plans to eventually add financing options for farmers after doing research, like going through several more procurement cycles to understand what how much capital farmers need and how they are able to repay it. Some of the barriers they face include lack of formal credit histories or access to financial institutions that usually don’t open branches in rural areas. Sometimes they borrow working capital from intermediaries in the supply chain, or loan sharks who charge interest rates of more than 60%, creating cycles of indebtedness.

“Financing is something we are aggressively looking after because it’s a future play for us and we are working with farmers to know what they are doing, and how they are actually getting financing,” said Zaka.

Tazah’s founders hope to see more startups emerge to solve problems for Pakistan’s farmers. “Agriculture has been a mostly ignored sector in Pakistan from a technology perspective, and I think that as more people come into this, they’re going to help each other, as opposed to competing with each other,” said Bajwa. “We feel that as more people come in, it will be better because it will accelerate the problem solving in this very difficult space.

He added, “this is such a large space in Pakistan and it’s so inefficient that if we are even able to make a small dent, it’s going to lead to social uplift for hundreds or possibly thousands of farmers, improve the availability of fresh produce, result in less food tasted and reduce food price inflation.”

Comment by Riaz Haq on October 6, 2021 at 9:10am

Bumper #cotton crop and high global prices to help #Pakistani farmers this year. National rough estimates put cotton production between 7.5 and 8.5 million bales.Cotton price has surged to Rs14,500 per maund. #agriculture #economy #Pakistan #textiles https://www.dawn.com/news/1650366

https://twitter.com/haqsmusings/status/1445783179051163655?s=20

National rough estimates put cotton production between 7.5 and 8.5 million bales against the official estimates of 10.5 million bales. The country will need to import around 5.0 million bales to meet demand of the local textile industry.

Cotton surges to Rs14,500 per maund

LAHORE: A bullish trend again gripped the cotton market on Tuesday as white lint rate hit Rs14,500 per maund for the third time during the current season.

Brokers say the main reason behind the hike in local white lint rate is reports that cotton futures in the New York market are trading at their highest price in a decade.

Naseem Usman, Karachi Cotton Brokers Forum chief, says that New York cotton futures traded at $1.07 on Monday, sending a panic wave among the textile industry relying heavily on imported lint after failure of the local crop year after year.

He says that local cotton rates are likely to go further up in line with the surge in New York future prices amid heavy buying by China. Pakistan imports cotton from the US, Brazil, Argentina, Australia, South Africa and Central Asian States to meet requirements of its textile industry.


Mr Usman says increasing disparity among dollar and rupee, recent spell of rains in Punjab’s cotton belt, reports of white-fly, mealybug and pink bollworm attacks as well as unavailability of latest reliable data about the crop size are adding to the worries of the local buyers.

Punjab produces 80 per cent of cotton in the country. It had fallen short of the crop sowing target as only 3.1 million acres against the target of 4.0 million acres could be sown for the 2021-22 season. National rough estimates put cotton production between 7.5 and 8.5 million bales against the official estimates of 10.5 million bales. The country will need to import around 5.0 million bales to meet demand of the local textile industry.

Ijaz Ahmed Rao, a cotton grower from Lodhran, says those who have sown the crop early in the season are harvesting 40 to 50 maunds per acre, while the average yield of other growers has been estimated at 25 to 30 maunds.

Responding to a query, he says that pink bollworm and climatic conditions have hit the lint production. “In the desert area, the crop apparently looks healthy with a good number and size of balls. But, when one opens a ball, it’s found to be pink.”

In some areas, he says, a fungus has hit the plants making them look burnt out. Seemingly the difference in atmospheric and soil temperatures has damaged the crop, he adds.

Comment by Riaz Haq on October 6, 2021 at 9:13am

Bumper #cotton crop and high global prices to help #Pakistani farmers this year. National rough estimates put cotton production between 7.5 and 8.5 million bales.Cotton price has surged to Rs14,500 per maund. #agriculture #economy #Pakistan #textiles https://www.dawn.com/news/1650366

https://twitter.com/haqsmusings/status/1445783179051163655?s=20

National rough estimates put cotton production between 7.5 and 8.5 million bales against the official estimates of 10.5 million bales. The country will need to import around 5.0 million bales to meet demand of the local textile industry.

Cotton surges to Rs14,500 per maund

LAHORE: A bullish trend again gripped the cotton market on Tuesday as white lint rate hit Rs14,500 per maund for the third time during the current season.

Brokers say the main reason behind the hike in local white lint rate is reports that cotton futures in the New York market are trading at their highest price in a decade.

Naseem Usman, Karachi Cotton Brokers Forum chief, says that New York cotton futures traded at $1.07 on Monday, sending a panic wave among the textile industry relying heavily on imported lint after failure of the local crop year after year.

He says that local cotton rates are likely to go further up in line with the surge in New York future prices amid heavy buying by China. Pakistan imports cotton from the US, Brazil, Argentina, Australia, South Africa and Central Asian States to meet requirements of its textile industry.


Mr Usman says increasing disparity among dollar and rupee, recent spell of rains in Punjab’s cotton belt, reports of white-fly, mealybug and pink bollworm attacks as well as unavailability of latest reliable data about the crop size are adding to the worries of the local buyers.

Punjab produces 80 per cent of cotton in the country. It had fallen short of the crop sowing target as only 3.1 million acres against the target of 4.0 million acres could be sown for the 2021-22 season. National rough estimates put cotton production between 7.5 and 8.5 million bales against the official estimates of 10.5 million bales. The country will need to import around 5.0 million bales to meet demand of the local textile industry.

Ijaz Ahmed Rao, a cotton grower from Lodhran, says those who have sown the crop early in the season are harvesting 40 to 50 maunds per acre, while the average yield of other growers has been estimated at 25 to 30 maunds.

Responding to a query, he says that pink bollworm and climatic conditions have hit the lint production. “In the desert area, the crop apparently looks healthy with a good number and size of balls. But, when one opens a ball, it’s found to be pink.”

In some areas, he says, a fungus has hit the plants making them look burnt out. Seemingly the difference in atmospheric and soil temperatures has damaged the crop, he adds.

Comment by Riaz Haq on October 13, 2021 at 7:34pm

#Pakistan faces an existential crisis with fast melting glaciers. It has more glaciers outside of the polar icecaps than anywhere on earth. The glaciers feed one of the oldest and most fertile valleys on the planet. #water #agriculture #food https://aje.io/rnedz9 via @AJEnglish


The UN’s Intergovernmental Panel on Climate Change (IPCC) published its latest report in August 2021, on the heels of one of the hottest and most devastating summers on record: floods in northern Europe and China, wildfires in the US, and heatwaves everywhere.

The report tells us that the consequences of the current global warming crisis are largely irreversible. The most we can do is to prevent all-out ecological collapse.

One of the more sobering findings of the report is that polar and mountain glaciers are likely going to continue to melt, irreversibly, for decades or centuries to come.

Pakistan has more glaciers outside of the polar icecaps than anywhere on earth. The glaciers feed one of the oldest and most fertile valleys on the planet – that of the Indus Basin, split between India and Pakistan. Roughly 75 percent of Pakistan’s 216 million population is settled on the banks of the Indus River. Its five largest urban centres are entirely dependent on the river for industrial and domestic water.

Pakistan has been blessed with regular agricultural cycles that have sustained its economy through successive crises. However, if the IPCC Report is correct – which it almost certainly is – by 2050, the country will be out of water.

Pakistan is not the only low-income country facing the impacts of climate change. It is not alone in looking on helplessly as industrialised nations – China and the US being the foremost – drag their heels on lowering emissions. Pakistan, like the Maldives and many other island nations, will suffer from the consequences of global warming disproportionately. However, unlike many countries that have taken up the issue of global emissions at the UN, Pakistan is not doing even the bare minimum to try and secure its future.

To say that this is the largest security issue the country will face in the next few decades would be putting it mildly. No other country is as dependent on non-polar ice for freshwater as Pakistan. No other country stands to lose as much. Yet, Pakistan’s government seems singularly unaware of the looming crisis. It has not even made much effort to meet its target of producing 60 percent of its electrical power from renewable sources by 2030. At the moment, the country still gets well over 60 percent of its electricity from fossil fuels.

Pakistan is already facing mounting environmental challenges. Heatwaves are killing scores of people and impacting crop cycles and yields on a regular basis. This year, both its largest city Karachi and its capital city Islamabad experienced devastating floods. Furthermore, the 806-kilometre (500-mile) Karakoram Highway, which is a critical part of Pakistan’s economic corridor with China, was shut down multiple times, for multiple days, due to landslides. These devastating landslides were a direct result of large-scale deforestation in the area north of Kohistan and south of Jaglot. Further north towards Shimshal and east towards the Skardu Valley, timber mafias are rapidly stripping old-growth forests, all but guaranteeing future environmental catastrophes.




---------------------

Today, Pakistan is facing an existential crisis. The effects of climate change are not threatening a single sector or region of the country, but the lives and livelihoods of its entire population. As this year’s IPCC report underlined, we are, sadly, already too late to reverse the damage caused by the rampant consumption of fossil fuels. The choice we are facing now – in Pakistan and around the world – is to continue on a path to certain destruction, or start fighting for our collective survival.

Comment by Riaz Haq on December 4, 2021 at 11:42am

Pakistan fruit and vegetables exports see growth of 21.29% and 2.01%
Fruits and vegetables exports from Pakistan during first four months of current financial year witnessed about a 21.29% and 2.01% increase respectively as compared to the exports in the same period, last year.

From July to October 2021, over 177,678 tons of fruits -valued at $143.742 million- were exported as against exports of 183,236 tons -worth $118.101 million- in the same period last year.

The data of Pakistan Bureau of Statistics also explained that the country earned $68.372 million by exporting about 199.184 tons of vegetables. Last year, these exports stood at 156.841 tons, valued at $67.028 million.


https://www.hortidaily.com/article/9378566/pakistan-fruit-and-veget...

Comment by Riaz Haq on December 18, 2021 at 10:27am

Pak-China Bio-health Agriculture park inaugurated: Prof Zhang Lixian

https://www.app.com.pk/global/pak-china-bio-health-agriculture-park...

In the universities of Lahore, Faisalabad, and Bahauddin Zakariya, demonstration sites have been established. An assortment of food, such as maize, wheat, chili, carrot, and spinach are under research. Nano and earthworm fertilizers have been introduced.

For example, new wheat varieties that combine Chinese and Pakistani germplasms and have the potential to increase the yield by 2.7% per annum have accounted for 3% of the total in Punjab.


For now, three Pakistani students are committed to their construction. “In the near future, more Chinese and Pakistani students will be involved”, said Prof Zhang. “The flourishing of the bio-health agriculture also requires the participation of more enterprises”.


Looking ahead, Naheeda recommends more workshops to be organized in different regions of Pakistan to raise the awareness of farmers and landowners. “Also, the modern techniques in China like compound planting, smart agriculture gain, greenhouse and good varieties should be applied in Pakistan.”

Comment by Riaz Haq on December 18, 2021 at 10:48am

Telenor’s Khushaal Watan platform to empower rural communities and farmers across Pakistan

https://tribune.com.pk/story/2332282/telenors-khushaal-watan-platfo...

The M-Agri value chain is a billion-dollar market. In agriculture, a value chain is a set of activities and actors that connect basic agricultural products from the field to the consumer, adding value to each stage of the process. Input suppliers, farmers or primary producers, wholesalers, processors, manufacturers, and retailers are the primary players associated with the process. In Pakistan, the dilemma is that the agriculture GDP contribution remains about 24%, even though the labour force percentage is much higher than other industries, primarily due to the low yield per acre.

The main reason is that farming and agriculture yields highly depend on seasons and weather.

With the help of special weather forecasting tools, the platform enables farmers to plan ahead how and when to do things. Insights into the weather conditions are provided to the farmers to enable informed decisions.

The weather forecast and related information can be used for planning purposes. The information can help in understanding whether to start or withhold the sowing process, whether or not to irrigate the crop, when to fertilise, and whether to begin complete harvesting immediately or to delay it – all of which have a significant effect on crop yields.

After conducting extensive research, Telenor Pakistan was able to conclude that lack of information and education on the farmer's side is the primary reason for this disparity. The farmers in Pakistan lack access to the latest research regarding various aspects of agriculture.

Telenor Pakistan understood that cutting-edge digital tools in agriculture could generate significant benefits to agribusinesses in emerging markets. By providing farmers with a pathway to financial inclusion, digitalising agri value chain benefits the overall socio-economic development in the country as well. Farmers need professional advice about the ever-changing situations in real-time to tackle various crop diseases, weather conditions, and more.

The journey starts when a user calls on 7272. Telenor has deployed the latest technology that enables them to automatically get information about the crops based on the caller’s current location. The platform was able to gather extensive data about which crops were grown in different regions during different seasons, allowing them to provide accurate updates.

When a user subscribes, they begin receiving targeted, geo-localised information every day via multiple mediums. Automated outbound calls or SMS notifications are sent, and they can also call back to listen to the information if it is more convenient. In addition, the service is offered in multiple local languages, including Sindhi, Punjabi, Saraiki, Pashto, and Urdu.

Telenor has gone above and beyond in creating a persona for this service. The brand has curated a virtual character, Bashir, who interacts with the user in their language. Likewise, the user can scroll down the menu to view weather predictions, which is crucial for ensuring a healthy yield. Farmers can call and interact with the user in their native language or scroll down the menu to see weather predictions, which are crucial to ensuring a healthy harvest.

Comment by Riaz Haq on December 27, 2021 at 10:49am

New farming method promises to multiply Pakistan’s mango yield

https://www.arabnews.com/node/1865876/world

After a decade of declining harvest, mango growers in Pakistan’s southern Sindh province are pinning their hopes on a new farming technique that would allow them to increase their fruit yield up to six times, several growers and experts said.
Pakistan is the world’s sixth-largest mango producer, with an annual production volume of about 1.7 million tons. While most of the harvest comes from Punjab, the Sindh province has the second-largest yield and is known for the Sindhri variety of mango, famous for its honey-like sweetness and deep, thin yellow peel.
But farmers are increasingly sounding the alarm on declining crop yield.
Sindh cultivated mangoes on 59,215 hectares of land and produced 381,269 metric tons in 2010. Provincial agricultural data shows this yield reduced to 329,300 metric tons by 2019.
Realizing that a major reason for the decline was outdated farming practices, one grower, Mahmood Nawaz Shah from the Tando Allahyar district, decided to try something new at his Genuine Delight Farms.
In 2019, he initiated a pilot project to cultivate new orchards under the small tree system (STS) on 1.6 hectares of land using a pruning technique that keeps the height of the mango plants at nearly nine feet, making their management easier and helping to accommodate more trees in a smaller area.
“The STS can revolutionize the quantum of our mango production,” Shah, who also represents a provincial farmers’ body, the Sindh Abadgar Board, told Arab News.
“We can increase our mango production some five times in this country,” he added, explaining that while the average mango yield per acre was five metric tons from large trees, an average of 25 to 30 metric tons could be harvested from the same area using the small tree system.
According to estimates by the Sindh Abadgar Board, the STS is currently being used on only 1,618 hectares of Pakistan’s total mango cultivation area of 167,000 hectares. In Sindh, only 10 growers have so far adopted the method.
“We are far behind when it comes to modernizing our farming structures and techniques,” Dr. Noor-un-Nisa Memon, a faculty member at the Sindh Agriculture University in Tando Jam, said.
It was high time, she said, that old mango orchards were replaced with new ones, but farmers in Sindh were reluctant to prune their trees, thinking it would reduce their yield.
Farmers, however, say they are willing to adopt new techniques but cannot do it without government support as most are small-scale growers.
“It is extremely important to adopt the STS to deal with the situation,” Mir Zafarullah Talpur, a grower from Sindh’s largest mango-growing district, Mirpurkhas, told Arab News.
“The government should arrange an extensive awareness program for farmers and provide them subsidies and installment facilities so they can import modern instruments.”
Hidayatullah CHajjro, director-general at Agriculture Extension, said the provincial administration had already arranged several training sessions to raise awareness among mango growers about new farming techniques but agreed that subsidies needed to be given to farmers who wanted to import essential gadgets and machinery.
“By adopting a comprehensive approach, such as the STS, not only can we reclaim our previous production level but also enhance it further,” CHajjro said.
Shah, who introduced the new farming method to Sindh, is hopeful the trend will gain momentum in the next few years.
“There are farmers who are waiting for the results,” he said. “Most of the farmers initiated the STS in 2019, and it requires at least five years for trees to develop fruit. If the result comes out positively, as per our expectations, there are chances that mango areas will see a sudden transformation, uprooting old practices and adopting new techniques.”

Comment by Riaz Haq on December 27, 2021 at 10:49am

Pakistan exports record 460,000 tons of oranges in 2020-21

https://www.freshplaza.com/article/9319770/pakistan-exports-record-...

In Pakistan 2020-21, has exported record 460,000 tons of oranges, marking this as the highest ever volume during any season. The export season that ended in April 2021, 460,000 tons of oranges have been exported from the country to worldwide; up 30 per cent compared to the last season.

The demand for Pakistani oranges is on the rise worldwide. Meanwhile, Pakistan has posted over Rs2 billion export mark for the seventh consecutive month in April as the country’s exports stood at US$2.191 billion in April 2021, said Prime Minister for Commerce and Investment Razak Dawood.

Abdul Razak Dawood had said that Pakistan’s export for April 2021 stood at USD 2.191 billion. “This is the first time since 2011 that our monthly exports have crossed the 2-billion mark for 7 consecutive months,” he said.

Comment by Riaz Haq on December 27, 2021 at 10:55am

In 2019, citrus fruit production for Pakistan was 2.29 million tonnes. Citrus fruit production of Pakistan increased from 445,000 tonnes in 1970 to 2.29 million tonnes in 2019 growing at an average annual rate of 4.14%.

https://knoema.com/atlas/Pakistan/topics/Agriculture/Crops-Production-Quantity-tonnes/Citrus-fruit-production

Comment

You need to be a member of PakAlumni Worldwide: The Global Social Network to add comments!

Join PakAlumni Worldwide: The Global Social Network

Pre-Paid Legal


Twitter Feed

    follow me on Twitter

    Sponsored Links

    South Asia Investor Review
    Investor Information Blog

    Haq's Musings
    Riaz Haq's Current Affairs Blog

    Please Bookmark This Page!




    Blog Posts

    Barrick Gold CEO "Super-Excited" About Reko Diq Copper-Gold Mine Development in Pakistan

    Barrick Gold CEO Mark Bristow says he’s “super excited” about the company’s Reko Diq copper-gold development in Pakistan. Speaking about the Pakistani mining project at a conference in the US State of Colorado, the South Africa-born Bristow said “This is like the early days in Chile, the Escondida discoveries and so on”, according to Mining.com, a leading industry publication. "It has enormous…

    Continue

    Posted by Riaz Haq on November 19, 2024 at 9:00am

    What Can Pakistan Do to Cut Toxic Smog in Lahore?

    Citizens of Lahore have been choking from dangerous levels of toxic smog for weeks now. Schools have been closed and outdoor activities, including travel and transport, severely curtailed to reduce the burden on the healthcare system.  Although toxic levels of smog have been happening at this time of the year for more than a decade, this year appears to be particularly bad with hundreds of people hospitalized to treat breathing problems. Millions of Lahoris have seen their city's air quality…

    Continue

    Posted by Riaz Haq on November 14, 2024 at 10:30am — 2 Comments

    © 2024   Created by Riaz Haq.   Powered by

    Badges  |  Report an Issue  |  Terms of Service