Privacy Policy

1. Introduction

Carat Pay (“we,” “our,” or “us”) is committed to protecting your privacy and safeguarding the personal information you provide to us. This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website, use our services, or interact with us in any way.

By using our website, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

Personal Information: Name, email address, phone number, company name, and any details you provide via forms or correspondence.
Non-Personal Information: Browser type, IP address, device information, and usage data collected through cookies or similar technologies.

3. How We Use Your Information

We use the information we collect to:

Provide and improve our services
Respond to your inquiries and requests
Process transactions and send relevant updates
Personalise your experience on our website
Comply with legal or regulatory requirements

4. Sharing Your Information

We do not sell, rent, or trade your personal information.
We may share your information with:

Service providers who perform functions on our behalf (e.g., hosting, analytics, payment processing)
Regulatory authorities, if required by law
Business partners, but only with your consent

5. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience, analyse site traffic, and understand user behaviour. You can adjust your browser settings to refuse cookies, but some features of the site may not function properly.

6. Data Security

We take reasonable technical and organisational measures to protect your information from unauthorised access, disclosure, alteration, or destruction.

7. Your Rights

Depending on your location, you may have the right to:

Access, correct, or delete your personal information
Object to or restrict processing of your data
Withdraw your consent at any time

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their policies before providing personal information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with the “Effective Date” above.