Last updated: 24 March 2026

1. Introduction

About Time Too Pty Ltd (ABN to be confirmed) (“we”, “us”, or “our”) operates the website Karat.au (the “Site”). We are committed to protecting the privacy of individuals who visit and interact with our Site.

This Privacy Policy explains how we collect, use, disclose, and otherwise handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By accessing or using our Site, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use the Site.

2. Information We Collect

2.1 Information You Provide

We may collect personal information that you voluntarily provide to us, including:

  • Your name and email address when you subscribe to our newsletter or contact us
  • Any information you include in correspondence or enquiries submitted through the Site
  • Feedback, comments, or responses to surveys or polls

2.2 Information Collected Automatically

When you visit our Site, we may automatically collect certain technical and usage information, including:

  • Your IP address and approximate geographic location
  • Browser type and version, operating system, and device type
  • Pages visited, time spent on pages, and navigation paths
  • Referring URL (the site that directed you to Karat.au)
  • Date and time of your visit

2.3 Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your experience and to collect usage data. These may include:

  • Essential cookies: Required for the Site to function properly (e.g., session management).
  • Analytics cookies: Help us understand how visitors use the Site (e.g., Google Analytics).
  • Advertising and affiliate cookies: Used by our advertising and affiliate partners to deliver relevant content and track referrals.
  • Preference cookies: Remember your settings and preferences for future visits.

You can manage your cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of the Site.

3. How We Use Your Information

We may use the information we collect for the following purposes:

  • To provide, maintain, and improve the Site and its content
  • To respond to your enquiries and provide customer support
  • To send you newsletters, updates, and educational content (where you have opted in)
  • To analyse Site usage and trends to improve the user experience
  • To display relevant advertising and affiliate content
  • To detect, prevent, and address technical issues or misuse of the Site
  • To comply with legal obligations and enforce our terms

4. Disclosure of Your Information

We do not sell your personal information. We may share your information with the following categories of third parties:

  • Service providers: Companies that assist us in operating the Site, such as hosting providers, email marketing platforms, and analytics services.
  • Advertising and affiliate partners: Third-party networks and affiliate programs that help us monetise the Site. These partners may use cookies to deliver relevant content.
  • Legal and regulatory bodies: Where required by law, regulation, or legal process, or to protect the rights, property, or safety of About Time Too Pty Ltd, our users, or the public.
  • Professional advisors: Accountants, lawyers, and other professional advisors as needed.

Where we disclose personal information to third-party service providers, we take reasonable steps to ensure they handle your information in accordance with Australian privacy laws.

5. Third-Party Links and Services

Our Site may contain links to third-party websites, products, or services, including gold dealers, financial service providers, and affiliate partners. These third parties have their own privacy policies and practices, and we are not responsible for their content or conduct.

We encourage you to review the privacy policies of any third-party sites you visit through links on Karat.au.

6. Data Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure.

Your information may be stored on servers located in Australia or overseas (for example, where we use cloud-based hosting or third-party services). Where information is transferred overseas, we take reasonable steps to ensure it is handled in accordance with Australian privacy laws.

No method of electronic storage or transmission is completely secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Marketing Communications

Where you have opted in to receive marketing communications from us (such as our email newsletter), we will send you educational content, market updates, and information related to gold and investing in Australia.

You may opt out of marketing communications at any time by clicking the “unsubscribe” link in any email we send, or by contacting us directly. We will process your request as soon as practicable.

We comply with the Spam Act 2003 (Cth) in relation to all commercial electronic messages.

8. Your Rights

Under the Australian Privacy Principles, you have the right to:

  • Request access to the personal information we hold about you
  • Request correction of any inaccurate, out-of-date, or incomplete information
  • Request deletion of your personal information, subject to any legal obligations we may have to retain it
  • Opt out of receiving marketing communications
  • Make a complaint about our handling of your personal information

To exercise any of these rights, please contact us using the details set out in Section 11 below. We will respond to your request within a reasonable timeframe (and in any event within 30 days).

9. Children’s Privacy

Our Site is not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If you believe that a child has provided us with personal information, please contact us and we will take steps to delete that information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. Any changes will be posted on this page with an updated “Last updated” date.

We encourage you to review this Privacy Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our handling of your personal information, please contact us:

Business Name: About Time Too Pty Ltd

Website: https://karat.au

If you are not satisfied with our response to a complaint, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

General Disclaimer

The information on Karat.au is general in nature and is intended for educational purposes only. It does not take into account your personal financial situation or objectives and should not be considered financial advice. Please consult a licensed financial advisor before making any investment decisions.