Welcome to Karat!

Thanks for using our products and services offered through the Karat platform.

Please carefully review the following rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us as well as the Karat Cardholder Agreement. These Terms and Conditions of Use ("Terms of Use") apply to the World Wide Web site owned, operated, licensed, and controlled by Karat Financial Technologies, Inc. (“Karat”). This Site is the property of Karat. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

Karat reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Karat grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.


Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices Including the collection and use of personal identifiable information.

Linking Karat Account With Plaid

Plaid’s technology provides an easy way for you to connect your bank account and other financial accounts to Karat’s software applications, in order to streamline your funding application or transfer money from/to Karat. While connecting your account(s), we urge you to review Plaid’s End User Privacy PolicyCookie Policy, and Privacy Statement.

Electronic Communication

When you visit www.trykarat.com, or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the Karat network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.


This Site is intended solely for users who are eighteen (18) years of age or older. By using the Site, you represent and warrant that you are 18 or older.

Customer Record Language

In order to use the payment functionality of our application, you must open a "Dwolla Platform" account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla's financial institution partners as set out in the Dwolla Terms of Service. You authorize us to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at www.trykarat.com, founders@trykarat.com, and/or +1 650 762 8395.

Contact Us

Website: www.trykarat.comE-Mail: founders@trykarat.comPhone: +1 650 762 8395