Last updated: March 2026
When you sign up, we collect your name, email address, country of residence, and payment information needed to process your plan. We also collect usage data such as pages visited, time on site, and device information to improve our services.
We use your information to create and manage your account, process your investment plan, send you monthly credit updates, and provide customer support. We may also use anonymized data to improve the CARAT platform and user experience.
Your data is stored on encrypted servers. We use industry-standard security measures including SSL encryption, secure data centers, and regular security audits. Payment information is processed through trusted, PCI-compliant payment providers. We never store your full payment details on our servers.
We do not sell your personal information to third parties. We may share data with trusted service providers who help us run the platform, such as payment processors and email services. These providers are bound by strict confidentiality agreements. We may also share information when required by law.
The CARAT website uses cookies to keep you logged in, remember your preferences, and understand how you use the site. You can disable cookies in your browser settings, but some features may not work properly without them.
We use analytics tools to understand how visitors interact with the CARAT website. This helps us improve the platform. Analytics data is anonymized and does not personally identify you.
You have the right to access, correct, or delete your personal data at any time. You can request a copy of your data or ask us to remove it by contacting support through your dashboard. We will respond to your request within 30 days.
We keep your account data for as long as your account is active. After you close your account, we retain certain records as required by law or for legitimate business purposes such as tax and audit compliance. All other data is deleted within 90 days of account closure.
CARAT is not intended for anyone under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have collected data from someone under 18, we will delete it immediately.
We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of CARAT after changes means you accept the updated policy.
If you have questions about this Privacy Policy or your data, please reach out through the support section in your CARAT dashboard.