Terms & Conditions

1. Introduction

Welcome to Carat Pay (“we,” “our,” or “us”). By accessing or using our website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with these terms, please do not use our website.

2. Use of Our Website

You must be at least 18 years old or have legal parental/guardian consent to use our website.
You agree to use the site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit the use of this site by any third party.
You are prohibited from uploading malicious code, spam, or engaging in activities that could damage, disable, or impair the website.

3. Intellectual Property

All content, trademarks, logos, graphics, and designs on this website are owned or licensed by Carat Pay and are protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, or create derivative works from any part of this site without our prior written consent.

4. Information Accuracy

While we strive to keep the information on our website accurate and up-to-date, we make no guarantees about its completeness or reliability. The content is provided for general information only and should not be considered professional advice.

5. Third-Party Links

Our website may contain links to third-party websites for your convenience. We are not responsible for the content, privacy policies, or practices of those websites. Accessing any third-party site is at your own risk.

6. Limitation of Liability

To the maximum extent permitted by law:

We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, the website.
We do not guarantee uninterrupted access to the website and may suspend or discontinue any part of it without notice.

7. Indemnification

You agree to indemnify and hold harmless Carat Pay and its affiliates from and against any claims, damages, liabilities, costs, or expenses arising from your use of the website or violation of these Terms & Conditions.

8. Changes to These Terms

We may update these Terms & Conditions from time to time without prior notice.

9. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of Hong Kong. You agree to submit to the exclusive jurisdiction of the courts in that location.