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The integration of artificial intelligence (AI) and the Internet of Things (IoT) in agriculture has significantly transformed rural farming. However, the adoption of these technologies has also introduced privacy and security concerns, particularly unauthorized breaches and cyber-attacks on data collected from IoT devices and sensitive information. The present study addresses these concerns by developing a comprehensive framework that provides practical, privacy-centric AI and IoT solutions for monitoring smart rural farms. This is performed by designing a framework that includes a three-phase protocol that secures data exchange between the User, the IoT Sensor Layer, and the Central Server. In the proposed protocol, the Central Server is responsible for establishing a secure communication channel by verifying the legitimacy of the IoT Sensor devices and the User and securing the data using rigorous cryptographic techniques. The proposed protocol is also validated using the Automated Validation of Internet Security Protocols and Applications (AVISPA) tool. The formal security analysis confirms the robustness of the protocol and its suitability for real-time applications in AI and IoT-enabled smart rural farms, demonstrating resistance against various attacks and enhanced performance metrics, including a computation time of 0.04 s for 11 messages and a detailed search where 119 nodes were visited at a depth of 12 plies in a mere search time of 0.28 s. [ABSTRACT FROM AUTHOR]