Last updated: March 2026
By using the CARAT website and services, you agree to these Terms and Conditions. If you do not agree, please do not use our services. We may update these terms from time to time. Continued use of the platform means you accept any changes.
CARAT provides a platform where users can purchase certified diamonds sourced directly from mines. Diamonds are graded by the Gemological Institute of America (GIA). Users receive monthly credits based on the plan they choose. After 12 months, users may request physical delivery of their diamonds or sell them back.
You must be at least 18 years old to use CARAT. You must provide accurate and truthful information during registration. CARAT is available in select countries. Eligibility is confirmed during the signup process.
Plans start from $100. Monthly credit rates vary depending on the plan amount and optional VIP boosts. Rates shown on the website are based on historical performance and are not guaranteed. Past performance does not guarantee future results.
When you invest through CARAT, you purchase real diamonds. Each diamond is GIA-graded with a unique identification number. Diamonds are stored in insured, high-security vaults on your behalf. After your plan period ends, you may request physical delivery or sell your diamonds back to CARAT.
Credits are calculated based on your plan and added to your CARAT account monthly. Credits can be withdrawn or reinvested. The first credit is issued 30 days after your plan starts.
You may cancel your plan at any time. There are no penalties or hidden fees for early exit. Upon cancellation, the terms of diamond ownership and any earned credits will be honored according to your plan agreement.
VIP boosts are optional add-ons that increase your monthly credit rate. Once purchased, VIP boosts apply for 12 months and cannot be refunded separately.
CARAT offers a referral program. Details and commission structures are available in your account dashboard. CARAT reserves the right to modify or discontinue the referral program at any time.
Diamond values can fluctuate based on market conditions. While diamonds have historically appreciated in value, there is no guarantee of future performance. Monthly credit rates are estimates based on historical data and may vary. CARAT does not provide financial advice. You should consult a qualified financial advisor before making investment decisions.
You are responsible for keeping your login credentials secure. Notify CARAT immediately if you suspect unauthorized access to your account. CARAT is not liable for losses resulting from unauthorized account access due to user negligence.
All content on the CARAT website, including text, graphics, logos, and design, is the property of CARAT and protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without written permission.
CARAT provides its services on an "as is" basis. We do not guarantee uninterrupted access to the platform. CARAT is not liable for any indirect, incidental, or consequential damages arising from the use of our services.
These terms are governed by applicable laws. Any disputes shall be resolved through appropriate legal channels in the jurisdiction where CARAT operates.
For questions about these Terms and Conditions, please reach out through the support section in your CARAT dashboard.