1. The Parties and the Program

1.1 This Agreement is made between Newage Agric Solutions Ltd. ("Newage"), the Implementing Partner, and the undersigned participant ("the Participant").

1.2 SAWA (Sustainable Aquaculture for Women Advancement) is delivered by the Mastercard Foundation in partnership with Agri-Impact Limited (AIL), and implemented by Newage. It creates dignified and fulfilling economic opportunities for young women aged 18-35, including persons with disabilities, through the aquaculture value chain.

1.3 This Agreement sets out what Newage provides, what the Participant undertakes, and the standards of conduct that govern participation. It is read and explained to the Participant in a language she understands before signing.

2. Responsibilities of Newage

Newage commits to:

• 2.1 deliver quality training in catfish production, processing and value addition, marketing, crop production, business and financial skills, and group formation, through modes suited to the Participant (digital and/or physical, community-level);
• 2.2 provide gender, safeguarding and inclusion training;
• 2.3 provide the agreed starter inputs and support set out in the implementation plan for the Participant's pathway, which may include catfish juveniles, feed support, and production inputs and materials etc;
• 2.4 provide continuous technical support through Aqua Professionals and technical staff;
• 2.5 facilitate market linkage and enterprise-development support toward income pathways;
• 2.6 treat the Participant with dignity, fairness and respect, free from discrimination, and maintain a safe learning and production environment;
• 2.7 protect the Participant's personal information and provide safe, accessible channels for concerns, responding to them promptly and confidentially.

3. Responsibilities of Participant

The Participant undertakes to:

• 3.1 attend and actively participate in all required training, practical sessions and group activities;
• 3.2 follow all technical, health, safety, hygiene, environmental and biosecurity guidance given by Newage and technical staff;
• 3.3 take proper care of fishes, feed, tanks, ponds, equipment and all programme resources, and use them only for their intended programme purpose;
• 3.4 meet any participant contribution specified for her pathway in a timely manner;
• 3.5 promptly report any loss, damage, disease, mortality, theft or other production challenge;
• 3.6 keep simple, accurate records and provide accurate information for monitoring and support;
• 3.7 be part of the cooperative (work in a group of other participants) when required;
• 3.8 work respectfully and cooperatively with other participants, staff, community members and service providers;
• 3.9 participate in reasonable monitoring, learning and follow-up activities related to the programme;
• 3.10 Reinvest part of the proceeds (income) from the first support to run the business as a way to ensure sustainability.

4. Ownership, Income and Use of Resources

4.1 The enterprise the Participant establishes, the fish she produces, and the income generated from her production are hers.

4.2 Participants are expected to plough back part for their revenue to finance their subsequent production cycles.

4.3 Starter inputs and resources are provided for productive use under SAWA. They must not be sold, transferred, pledged or diverted to any purpose other than the Participant's own production, except with Newage's written consent.

4.4 Participation is a programme opportunity, not employment. This Agreement does not create an employer-employee relationship, and no wage, salary or employment benefit is payable by Newage or its partners.

5. Code of Conduct

The Participant agrees to uphold the following standards at all times during the programme:

• 5.1 Act honestly and with integrity, and give truthful information in all dealings with the programme.
• 5.2 Treat everyone including fellow participants, staff, service providers and community members with respect and courtesy, without discrimination on any ground, including disability, ethnicity, religion or background.
• 5.3 Never engage in, or tolerate, any form of harassment, sexual harassment, bullying, intimidation, violence, abuse or exploitation.
• 5.4 Never offer, solicit, give or receive any bribe, gift, favour or payment in exchange for a place on the programme, inputs or any form of support. All programme support is free and merit-based.
• 5.5 Use programme resources responsibly and only for their intended purpose; never misuse, waste, sell or divert them.
• 5.6 Observe all health, safety, hygiene, environmental and biosecurity rules.
• 5.7 Protect the good name of the programme and its partners, and conduct oneself appropriately at all times, including on social media.
• 5.8 Comply with the laws of Ghana and with all reasonable instructions and guidance from Newage.

6. Safeguarding, Dignity and Protection from Exploitation and Abuse

6.1 Newage is committed to a safe, respectful and inclusive environment. Every person connected with the programme, including staff, trainers, Aqua Professionals and service providers, is bound by a code of conduct and must treat the Participant with dignity.

6.2 No one may demand money, labour, sexual favours or anything else in exchange for the Participant's place, inputs or support. Any such demand is a serious violation and must be reported.

6.3 The Participant has the right to raise any concern, including sexual harassment, abuse, discrimination, exploitation, unsafe conditions or misuse of resources, without intimidation, retaliation or discrimination. Reporting is always safe.

7. Reporting and Grievances

Concerns may be raised, in confidence, through any of the following channels:

Gender, Youth & Social Inclusion Lead	Berlinda Owiredu	0537003694
Programme Lead	Asare Bediako	0247011734
Other reporting / feedback channel	KoboToolbox

Concerns will be handled promptly, fairly and confidentially, and the Participant will be protected from any form of retaliation.

8. Monitoring, Data and Use of Images

8.1 The Participant agrees to take part in reasonable monitoring, evaluation and learning activities, and to provide accurate information for these purposes.

8.2 Newage may collect and process the Participant's personal data for programme administration, monitoring and reporting, and will protect it in line with applicable law.

8.3 Photographs or recordings of the Participant will be used for programme documentation and communication only with her consent, and her dignity and privacy will be respected at all times.

9. Duration, Withdrawal and Consequences of Breach

9.1 This Agreement takes effect on signing and continues for the duration of the Participant's involvement in the SAWA Program.

9.2 The Participant may withdraw by giving notice to Newage; resources provided for production and other activities may be subject to return or reconciliation as advised.

9.3 Serious or repeated breach of this Agreement or the Code of Conduct, including misuse or diversion of resources, dishonesty, or any act of abuse, exploitation or harassment, may lead to support being paused or withdrawn and, where appropriate, recovery of resources or referral to the relevant authorities. The Participant will ordinarily be given a fair opportunity to be heard before support is withdrawn, except where immediate action is necessary to protect others.

10. General

10.1 This Agreement is governed by the laws of the Republic of Ghana.

10.2 Newage may update this Agreement where necessary for the proper delivery of the programme; material changes will be explained to the Participant.

10.3 If any part of this Agreement is found to be invalid, the remaining provisions continue to apply.

11. Participant Acknowledgement

I confirm that this Agreement has been explained to me in a language and manner I understand. I understand the purpose of SAWA, the support I will receive, what is expected of me, and the standards of conduct I must observe. I agree to participate on these terms.