Last updated: 24 March 2026

1. Agreement to Terms

These Terms and Conditions (“Terms”) govern your access to and use of the Karat.au website (the “Site”), including any content, features, tools, digital products, and services offered through the Site.

The Site is owned and operated by About Time Too Pty Ltd (“we”, “us”, or “our”), a company registered in Australia.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must not use the Site.

2. About the Site

Karat.au is an educational resource that provides general information about gold, precious metals, and related financial topics in an Australian context. The Site may include articles, guides, analysis, tools, calculators, newsletters, and digital products.

The Site is designed to help users understand gold and related topics. It is not a financial advisory service, and nothing on the Site constitutes personal financial advice. Refer to Section 5 (Financial Disclaimer) for full details.

3. Eligibility

You must be at least 18 years of age to use this Site, purchase digital products, or subscribe to any paid services. By using the Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. User Conduct

When using the Site, you agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable Australian law
  • Attempt to gain unauthorised access to any part of the Site, its servers, or any connected systems
  • Interfere with or disrupt the operation of the Site or the servers or networks used to make it available
  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or its content without our express written permission
  • Use any automated system, including bots, scrapers, or data mining tools, to access the Site
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity
  • Upload or transmit viruses, malware, or any other harmful code

5. Financial Disclaimer

This is a critical section. Please read it carefully.

The information provided on Karat.au is general in nature and is intended for educational purposes only. It does not take into account your individual financial situation, objectives, or needs.

Nothing on this Site constitutes:

  • Personal financial advice
  • A recommendation to buy, sell, or hold any financial product, including gold
  • An offer or solicitation to purchase any financial product or service
  • Tax, legal, or accounting advice

We are not licensed to provide financial advice under the Corporations Act 2001 (Cth). Before making any financial decisions, you should consider seeking independent advice from a licensed financial advisor who can take your personal circumstances into account.

Past performance of gold or any other asset is not indicative of future results. All investments carry risk, including the potential loss of capital.

6. Digital Products

6.1 Overview

We may offer digital products for purchase through the Site, including but not limited to e-books, guides, reports, templates, courses, toolkits, spreadsheets, and downloadable resources (collectively, “Digital Products”).

6.2 Purchase and Delivery

When you purchase a Digital Product, you will receive access to the product via download link or email, as specified at the time of purchase. Delivery is typically immediate or within 24 hours of purchase.

You are responsible for ensuring that your email address and payment details are correct at the time of purchase.

6.3 Pricing and Payment

All prices for Digital Products are displayed in Australian Dollars (AUD) and are inclusive of GST where applicable. We reserve the right to change pricing at any time, but changes will not affect orders that have already been completed.

Payments are processed through third-party payment providers. We do not store your credit card or banking details directly.

6.4 Licence and Usage Rights

Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Digital Product for your personal, non-commercial use only.

You must not:

  • Redistribute, resell, share, or make the Digital Product available to any third party
  • Reproduce, modify, or create derivative works from the Digital Product
  • Use the Digital Product for commercial purposes without our prior written consent
  • Remove or alter any copyright notices, watermarks, or branding from the Digital Product

We reserve the right to revoke your access to a Digital Product if you breach these licence terms.

6.5 Refund Policy

Due to the nature of digital products, all sales are generally final. However, we will consider refund requests on a case-by-case basis if:

  • The product was not delivered or is inaccessible due to a technical error on our end
  • The product is materially different from its description on the Site

Refund requests must be made within 14 days of purchase by contacting us at the email address provided in Section 19. Refunds, if approved, will be processed to the original payment method.

Your rights under the Australian Consumer Law are not affected by this refund policy. If a Digital Product has a major failure or does not meet a consumer guarantee, you may be entitled to a refund or replacement under the Australian Consumer Law.

6.6 Digital Product Disclaimer

Digital Products provided through the Site are for educational and informational purposes only. They do not constitute financial advice. Any strategies, frameworks, or scenarios discussed in a Digital Product are general in nature and may not be suitable for your individual circumstances.

7. Affiliate Links and Relationships

7.1 Affiliate Disclosure

Karat.au participates in affiliate programs and may contain affiliate links to third-party products and services, including but not limited to gold dealers, bullion platforms, financial service providers, investment platforms, and related tools or services.

When you click on an affiliate link and make a purchase or sign up for a service, we may receive a commission or referral fee at no additional cost to you.

7.2 Editorial Independence

Affiliate relationships do not influence our editorial content. Our reviews, comparisons, and analysis are based on independent research and are written in accordance with our commitment to providing balanced, evidence-based educational content.

However, the presence of affiliate links means that we have a financial relationship with the businesses or products mentioned. We encourage you to conduct your own research and consider multiple sources before making any purchasing or investment decision.

7.3 Third-Party Responsibility

We are not responsible for the products, services, content, or practices of any third-party affiliate partner. Any transactions you enter into with a third party through an affiliate link are solely between you and that third party. We make no warranties or representations regarding their products or services.

8. Advertising

8.1 Display Advertising

The Site may display advertisements from third-party advertising networks and direct advertisers. These advertisements may use cookies or similar tracking technologies to deliver relevant content based on your browsing activity. Please refer to our Privacy Policy for more information on cookies and tracking.

8.2 Advertising Disclaimer

The inclusion of any advertisement on the Site does not constitute our endorsement, recommendation, or approval of the advertised product, service, or company. We are not responsible for the accuracy, legality, or content of any third-party advertisement.

You acknowledge that any interaction with an advertiser, including the purchase of products or services, is solely between you and the advertiser. We accept no liability for any loss or damage arising from your dealings with any advertiser.

9. Sponsored Content

9.1 Identification

From time to time, we may publish content on the Site that has been sponsored or paid for by a third party (“Sponsored Content”). Sponsored Content will always be clearly identified with labels such as “Sponsored”, “Paid Partnership”, “In association with”, or similar disclosure language.

9.2 Editorial Standards

While Sponsored Content is financially supported by a third party, we maintain editorial control over the content published on the Site. Sponsored Content is subject to the same editorial standards as our independent content and must align with the educational, balanced, and evidence-based voice of Karat.au.

We will not publish Sponsored Content that we believe is misleading, deceptive, or inconsistent with our brand values.

9.3 Disclaimer

Sponsored Content represents the views and information provided by the sponsor or developed in collaboration with the sponsor. It should not be interpreted as an independent endorsement or recommendation by Karat.au or About Time Too Pty Ltd.

10. Intellectual Property

10.1 Our Content

All content on the Site, including but not limited to text, articles, graphics, logos, icons, images, audio, video, data compilations, software, Digital Products, and the overall design and layout of the Site (collectively, “Our Content”), is the property of About Time Too Pty Ltd or its licensors and is protected by Australian and international copyright, trademark, and other intellectual property laws.

10.2 Limited Use

You may view, download, and print content from the Site for your personal, non-commercial use only, provided you do not modify the content and you retain all copyright and proprietary notices.

Any other use of Our Content, including reproduction, modification, distribution, republication, or commercial exploitation, requires our prior written consent.

10.3 Trademarks

Karat.au, the Karat.au logo, and any other trademarks, service marks, or trade names displayed on the Site are the property of About Time Too Pty Ltd. You must not use these marks without our prior written permission.

11. User-Generated Content

If the Site allows you to submit, post, or share content (such as comments, reviews, or feedback), you grant us a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable licence to use, reproduce, modify, adapt, publish, and display that content in connection with the Site and our business.

You represent and warrant that any content you submit does not infringe the intellectual property rights or other rights of any third party, and does not contain any unlawful, defamatory, or otherwise objectionable material.

We reserve the right to remove or edit any user-generated content at our sole discretion and without notice.

12. Third-Party Links

The Site may contain links to third-party websites, platforms, or resources. These links are provided for convenience and informational purposes only.

We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Accessing third-party links is at your own risk, and we encourage you to review the terms and privacy policies of any site you visit.

13. Availability and Modifications

We strive to keep the Site available and up to date, but we do not guarantee that the Site will be available at all times or that it will be free from errors, interruptions, or security vulnerabilities.

We reserve the right to modify, suspend, or discontinue any part of the Site (including Digital Products, tools, or features) at any time and without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation.

14. Material and Warranties

All material published on the Site is provided “as is,” and to the fullest extent permissible by law, About Time Too Pty Ltd makes no representation or warranty (whether express or implied) in respect of such material.

Specifically, About Time Too Pty Ltd makes no representation or warranty that the operation of the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site (or the server that makes it available) will be free of viruses or bugs.

While we strive to ensure the accuracy of the information provided, About Time Too Pty Ltd disclaims liability for errors or omissions in the content of the Site. Nothing in these Terms and Conditions affects your statutory rights as a consumer under Australian Consumer Law (ACL), which provides guarantees that digital goods and services will match their descriptions and be fit for purpose.

15. Limitation of Liability

To the maximum extent permitted by law, About Time Too Pty Ltd, its directors, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with:

  • Your access to or use of (or inability to use) the Site
  • Any content, information, or recommendations on the Site
  • Any Digital Products purchased through the Site
  • Any dealings with third-party advertisers, sponsors, or affiliate partners
  • Any loss or damage caused by viruses or other harmful material that may infect your equipment or data
  • Any financial loss resulting from reliance on information provided on the Site

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or any other applicable law that cannot be excluded, restricted, or modified by agreement.

16. Indemnification

You agree to indemnify, defend, and hold harmless About Time Too Pty Ltd, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

  • Your use of the Site or breach of these Terms
  • Your violation of any applicable law or regulation
  • Any content you submit to or through the Site
  • Your interaction with any third-party advertiser, sponsor, or affiliate partner through the Site

17. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of Queensland, Australia. Both About Time Too Pty Ltd and users of the Website agree to submit to the exclusive jurisdiction of the courts of Queensland for any legal matters arising from the use of the Website.

If you are accessing the Site from outside Australia, you are responsible for ensuring compliance with local laws in your jurisdiction.

18. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated “Last updated” date. Where changes are material, we may also notify users via email or through a notice on the Site.

Your continued use of the Site following the posting of updated Terms constitutes your acceptance of those changes. If you do not agree with the updated Terms, you must stop using the Site.

19. Contact Us

If you have any questions or concerns about these Terms, please contact us:

Business Name: About Time Too Pty Ltd

Website: https://karat.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.