Are you running a store...
and seeking ways to offer your customers a real innovation at the checkout?
We at Karatbars International would like to give you an unprecedented product!

Do you like shopping...
with friends in the shopping center or on the Internet?
We have created a more secure and convenient way to pay, worldwide and around the clock.

A real innovation...
that will amaze you and your friends.

A Network of Trust: That's K-Exchange
It's an innovation of Karatbars International: a shopping community based on trust in gold. Imagine a network of stores and online shops that accept gold both physically - CashGold - and virtually - KaratPAY - as a means of exchange and payment. Worldwide, with maximum security.
You find it as exciting as we do? Search no longer - you found it!

Where in the world is K-Exchange?
Soon everywhere. You can quickly find out which shop already accepts CashGold and where to find it when using the search function in the top menu bar. Why gold? Gold is crisis-proof, inflation-resistant and stable at all times. Gold does not have to be explained to anyone. It is universally known, appreciated and coveted for securing financial resources. It is virtually indestructible. Trust in gold is unlimited.
From now on, gold is also an innovative value: CashGold.

CashGold - Reliable - Stable - Worldwide Accepted
CashGold was developed by KaratBank and Karatbars International as an exchange and payment means with integrated gold bars in the smallest unit of 0.1 gram fine gold (Fineness 999,9, conformity with German legislative text §1 FeinGehG). By appropriate combination of the gold bars on the carrier, CashGold can be offered in denominations of 0.1g, 0.2g, 0.4g and 0.6g total weight, ensuring high exchangeability.

CashGold - Safety First, Everywhere and Anytime
14 security features both on the note and on the gold make CashGold virtually counterfeit-proof. Thanks to the encoded forensic marking applied to the bars in liquid form during production, you can instantly check every gold bar for authenticity. This is how we create maximum security for all our partners.

Gold creates Trust - Certified Quality gives Peace of Mind
Karatbank and Karatbars International manufacture exclusively gold from LBMA verified refineries, which ensures that highest demands can be met. The London Bullion Market is the most important over-the-counter market for the trading of gold and silver. Trading is conducted amongst members of the London Bullion Market Association (LBMA), which has accredited five companies to monitor the Good Delivery System.

‚Good Delivery‘
The international seal of quality guarantees all features engraved or punched on the gold, such as purity and weight as well as the permanent, continuous storage in certified storage facilities. Gold with Good Delivery Status is accepted and traded worldwide.

The value of CashGold
The conversion rate for CashGold is displayed on the webpage of KaratBank which is updated several times a day (however, there is no relation to the gold price):

www.karatbank.net

 

Where can I change CashGold?
You can buy CashGold in our online shop and at all opening hours from all K-Exchange licensing partners. Exchange into your national currency is possible there as well. You can find the current repurchase price under:

www.karatbank.net

Count me in! I would like to pay with gold in the future. How do I get CashGold?
CashGold in 4 different units is available at any time and in any quantity at www.karatbars.com

Register as a customer and follow the simple login procedure. After that, simply order your CashGold in the desired quantity and have it delivered to your home, safely and quickly. From now on, you should always look out for the K-Exchange-Logo which our partners in the community proudly bear.

I'm in! I want to become a partner at K-Exchange! How do I get the license?
We offer you 3 different versions of licenses, which have the obligation to accept CashGold for purposes of payment. Simply register at: https://karatpay.world

Log into your back office with your Karatbars account and inform yourself about the terms and conditions of the 3 license models. Afterwards, buyers of the Business and Business Pro license will receive their welcome package with the desired content via FedEX which allows them to present themself as a K-Exchange Partner.

What is KaratPAY?
KaratPAY is an online platform developed by KaratBank and Karatbars International for the purpose of the transaction of your CashGold. Here you can buy, transfer and deliver CashGold. Just open a KaratPAY account for free.

Click here to register for KaratPAY.

1. Registration
Simply follow the registration process and check the terms and conditions of participation carefully.

2. Purchase
Buy CashGold online with your credit card and upload it to your account.

3. Transfer
Transfer CashGold to any other KaratPAY account. Purchase with CashGold and exchange it online or onsite. Withdraw CashGold at the counter in your favorite K-Exchange shop or change it to local currency. Possible in the K-Exchange shopping community only.

Click here to login

Disclaimer:
Even if you receive gold as payment and even if it might be free of VAT in your country, you are obligated to pay the taxes and duties of your country and to comply with the respective legal regulations of the trade and tax law of your country.

Privacy Policy:

1. An overview of data protection

General
The following gives a simple overview of what happens to your personal information when you visit our
website. Personal information is any data with which you could be personally identified. Detailed
information on the subject of data protection can be found in our privacy policy found below.

Data collection on our website

Who is responsible for the data collection on this website?
The data collected on this website are processed by the website operator. The operator's contact details
can be found in the website's required legal notice.

How do we collect your data?
Some data are collected when you provide it to us. This could, for example, be data you enter on a
contact form.
Other data are collected automatically by our IT systems when you visit the website. These data are
primarily technical data such as the browser and operating system you are using or when you accessed
the page. These data are collected automatically as soon as you enter our website.

What do we use your data for?
Part of the data is collected to ensure the proper functioning of the website. Other data can be used to
analyze how visitors use the site.

What rights do you have regarding your data?
You always have the right to request information about your stored data, its origin, its recipients, and the
purpose of its collection at no charge. You also have the right to request that it be corrected, blocked, or
deleted. You can contact us at any time using the address given in the legal notice if you have further
questions about the issue of privacy and data protection. You may also, of course, file a complaint with
the competent regulatory authorities.

Analytics and third-party tools
When visiting our website, statistical analyses may be made of your surfing behavior. This happens
primarily using cookies and analytics. The analysis of your surfing behavior is usually anonymous, i.e. we
will not be able to identify you from this data. You can object to this analysis or prevent it by not using
certain tools. Detailed information can be found in the following privacy policy.
You can object to this analysis. We will inform you below about how to exercise your options in this regard.

2. General information and mandatory information

Data protection
The operators of this website take the protection of your personal data very seriously. We treat your
personal data as confidential and in accordance with the statutory data protection regulations and this
privacy policy.

If you use this website, various pieces of personal data will be collected. Personal information is any data
with which you could be personally identified. This privacy policy explains what information we collect and
what we use it for. It also explains how and for what purpose this happens.

Please note that data transmitted via the internet (e.g. via email communication) may be subject to
security breaches. Complete protection of your data from third-party access is not possible.

Notice concerning the party responsible for this website

The party responsible for processing data on this website is:

Karatbars International GmbH
Vaihinger Straße 149A
70567 Stuttgart
Deutschland
Telephone: +49 (0) 711 128 970 00
Email: support@karatbars.com

The responsible party is the natural or legal person who alone or jointly with others decides on the
purposes and means of processing personal data (names, email addresses, etc.).

Revocation of your consent to the processing of your data
Many data processing operations are only possible with your express consent. You may revoke your
consent at any time with future effect. An informal email making this request is sufficient. The data
processed before we receive your request may still be legally processed.

Right to file complaints with regulatory authorities
If there has been a breach of data protection legislation, the person affected may file a complaint with the
competent regulatory authorities. The competent regulatory authority for matters related to data protection
legislation is the data protection officer of the German state in which our company is headquartered.

A list of data protection officers and their contact details can be found at the following link:
https://www.bfdi.bund.de/DE/Infothek/Anschriften_Links/anschriften_linksnode. html

Right to data portability
You have the right to have data which we process based on your consent or in fulfillment of a contract
automatically delivered to yourself or to a third party in a standard, machine-readable format. If you
require the direct transfer of data to another responsible party, this will only be done to the extent
technically feasible.

SSL or TLS encryption
This site uses SSL or TLS encryption for security reasons and for the protection of the transmission of
confidential content, such as the inquiries you send to us as the site operator. You can recognize an
encrypted connection in your browser's address line when it changes from "http://" to "https://" and the
lock icon is displayed in your browser's address bar.

If SSL or TLS encryption is activated, the data you transfer to us cannot be read by third parties.

Encrypted payments on this website
If you enter into a contract which requires you to send us your payment information (e.g. account number
for direct debits), we will require this data to process your payment.

Payment transactions using common means of payment (Visa/MasterCard, direct debit) are only made via
encrypted SSL or TLS connections. You can recognize an encrypted connection in your browser's
address line when it changes from "http://" to "https://" and the lock icon in your browser line is visible.

In the case of encrypted communication, any payment details you submit to us cannot be read by third
parties.

Opposition to promotional emails
We hereby expressly prohibit the use of contact data published in the context of website legal notice
requirements with regard to sending promotional and informational materials not expressly requested. The
website operator reserves the right to take specific legal action if unsolicited advertising material, such as
email spam, is received.

3. Data protection officer

Statutory data protection officer
We have appointed a data protection officer for our company.

Günter Harke
Riensberger Str. 40B
28359 Bremen
Telephone: +49 (0) 163 8600740
Email: datenschutz@karatbars.de

4. Data collection on our website

Cookies
Some of our web pages use cookies. Cookies do not harm your computer and do not contain any viruses.
Cookies help make our website more user-friendly, efficient, and secure. Cookies are small text files that
are stored on your computer and saved by your browser.

Most of the cookies we use are so-called "session cookies." They are automatically deleted after your
visit. Other cookies remain in your device's memory until you delete them. These cookies make it possible
to recognize your browser when you next visit the site.

You can configure your browser to inform you about the use of cookies so that you can decide on a caseby-
case basis whether to accept or reject a cookie. Alternatively, your browser can be configured to
automatically accept cookies under certain conditions or to always reject them, or to automatically delete
cookies when closing your browser. Disabling cookies may limit the functionality of this website.

Cookies which are necessary to allow electronic communications or to provide certain functions you wish
to use (such as the shopping cart) are stored pursuant to Art. 6 paragraph 1, letter f of DSGVO. The
website operator has a legitimate interest in the storage of cookies to ensure an optimized service
provided free of technical errors. If other cookies (such as those used to analyze your surfing behavior)
are also stored, they will be treated separately in this privacy policy.

Server log files
The website provider automatically collects and stores information that your browser automatically
transmits to us in "server log files". These are:

Browser type and browser version
Operating system used
Referrer URL
Host name of the accessing computer
Time of the server request
IP address

These data will not be combined with data from other sources.

The basis for data processing is Art. 6 (1) (f) DSGVO, which allows the processing of data to fulfill a
contract or for measures preliminary to a contract.

Registration on this website
You can register on our website in order to access additional functions offered here. The input data will
only be used for the purpose of using the respective site or service for which you have registered. The
mandatory information requested during registration must be provided in full. Otherwise, we will reject
your registration.
To inform you about important changes such as those within the scope of our site or technical changes,
we will use the email address specified during registration.

We will process the data provided during registration only based on your consent per Art. 6 (1)(a)
DSGVO. You may revoke your consent at any time with future effect. An informal email making this
request is sufficient. The data processed before we receive your request may still be legally processed.
We will continue to store the data collected during registration for as long as you remain registered on our
website. Statutory retention periods remain unaffected.

Processing of data (customer and contract data)
We collect, process, and use personal data only insofar as it is necessary to establish, or modify legal
relationships with us (master data). This is done based on Art. 6 (1) (b) DSGVO, which allows the
processing of data to fulfill a contract or for measures preliminary to a contract. We collect, process and
use your personal data when accessing our website (usage data) only to the extent required to enable
you to access our service or to bill you for the same.

Collected customer data shall be deleted after completion of the order or termination of the business
relationship. Legal retention periods remain unaffected.

Data transmitted when entering into a contract with online shops, retailers, and mail order
We transmit personally identifiable data to third parties only to the extent required to fulfill the terms of
your contract, for example, to companies entrusted to deliver goods to your location or banks entrusted to
process your payments. Your data will not be transmitted for any other purpose unless you have given
your express permission to do so. Your data will not be disclosed to third parties for advertising purposes
without your express consent.

The basis for data processing is Art. 6 (1) (b) DSGVO, which allows the processing of data to fulfill a
contract or for measures preliminary to a contract.

5. Analytics and advertising

Google Analytics
This website uses Google Analytics, a web analytics service. It is operated by Google Inc., 1600
Amphitheatre Parkway, Mountain View, CA 94043, USA.

Google Analytics uses so-called "cookies". These are text files that are stored on your computer and that
allow an analysis of the use of the website by you. The information generated by the cookie about your
use of this website is usually transmitted to a Google server in the USA and stored there.

Google Analytics cookies are stored based on Art. 6 (1) (f) DSGVO. The website operator has a legitimate
interest in analyzing user behavior to optimize both its website and its advertising.

IP anonymization
We have activated the IP anonymization feature on this website. Your IP address will be shortened by
Google within the European Union or other parties to the Agreement on the European Economic Area
prior to transmission to the United States. Only in exceptional cases is the full IP address sent to a Google
server in the US and shortened there.

Google will use this information on behalf of the operator of this website to evaluate your use of the website,

to compile reports on website activity, and to provide other services regarding website activity and Internet usage

for the website operator. The IP address transmitted by your browser as part of Google Analytics will not be

merged with any other data held by Google.

Browser plugin
You can prevent these cookies being stored by selecting the appropriate settings in your browser.
However, we wish to point out that doing so may mean you will not be able to enjoy the full functionality of
this website. You can also prevent the data generated by cookies about your use of the website (incl. your
IP address) from being passed to Google, and the processing of these data by Google, by downloading
and installing the browser plugin available at the following link:
https://tools.google.com/dlpage/gaoptout?hl=en

Objecting to the collection of data
You can prevent the collection of your data by Google Analytics by clicking on the following link. An optout
cookie will be set to prevent your data from being collected on future visits to this site: Disable Google Analytics.

For more information about how Google Analytics handles user data, see Google's privacy policy:
https://support.google.com/analytics/answer/6004245?hl=en

Outsourced data processing
We have entered into an agreement with Google for the outsourcing of our data processing and fully
implement the strict requirements of the German data protection authorities when using Google Analytics.

Demographic data collection by Google Analytics

This website uses Google Analytics' demographic features. This allows reports to be generated containing
statements about the age, gender, and interests of site visitors. This data comes from interest-based
advertising from Google and third-party visitor data. This collected data cannot be attributed to any
specific individual person. You can disable this feature at any time by adjusting the ads settings in your
Google account or you can forbid the collection of your data by Google Analytics as described in the
section "Refusal of data collection".

Google AdWords and Google Conversion Tracking
This website uses Google AdWords. AdWords is an online advertising program from Google Inc., 1600
Amphitheater Parkway, Mountain View, CA 94043, United States ("Google").

As part of Google AdWords, we use so-called conversion tracking. When you click on an ad served by
Google, a conversion tracking cookie is set. Cookies are small text files that your internet browser stores
on your computer. These cookies expire after 30 days and are not used for personal identification of the
user. Should the user visit certain pages of the website and the cookie has not yet expired, Google and
the website can tell that the user clicked on the ad and proceeded to that page.

Each Google AdWords advertiser has a different cookie. Thus, cookies cannot be tracked using the
website of an AdWords advertiser. The information obtained using the conversion cookie is used to create
conversion statistics for the AdWords advertisers who have opted for conversion tracking. Customers are
told the total number of users who clicked on their ad and were redirected to a conversion tracking tag
page. However, advertisers do not obtain any information that can be used to personally identify users. If
you do not want to participate in tracking, you can opt-out of this by easily disabling the Google
Conversion Tracking cookie by changing your browser settings. In doing so, you will not be included in the
conversion tracking statistics.

Conversion cookies are stored based on Art. 6 (1) (f) DSGVO. The website operator has a legitimate
interest in analyzing user behavior to optimize both its website and its advertising.

For more information about Google AdWords and Google Conversion Tracking, see the Google Privacy
Policy: https://www.google.de/policies/privacy/

You can configure your browser to inform you about the use of cookies so that you can decide on a caseby-
case basis whether to accept or reject a cookie. Alternatively, your browser can be configured to
automatically accept cookies under certain conditions or to always reject them, or to automatically delete
cookies when closing your browser. Disabling cookies may limit the functionality of this website.

6. Newsletter

Newsletter data
If you would like to receive our newsletter, we require a valid email address as well as information that
allows us to verify that you are the owner of the specified email address and that you agree to receive this
newsletter. No additional data is collected or is only collected on a voluntary basis. We only use this data
to send the requested information and do not pass it on to third parties.

We will, therefore, process any data you enter onto the contact form only with your consent per Art. 6 (1)
(a) DSGVO. You can revoke consent to the storage of your data and email address as well as their use
for sending the newsletter at any time, e.g. through the "unsubscribe" link in the newsletter. The data
processed before we receive your request may still be legally processed.

The data provided when registering for the newsletter will be used to distribute the newsletter until you
cancel your subscription when said data will be deleted. Data we have stored for other purposes (e.g.
email addresses for the members area) remain unaffected.

7. Plugins and tools

Google Web Fonts
For uniform representation of fonts, this page uses web fonts provided by Google. When you open a
page, your browser loads the required web fonts into your browser cache to display texts and fonts
correctly.

For this purpose your browser has to establish a direct connection to Google servers. Google thus
becomes aware that our web page was accessed via your IP address. The use of Google Web fonts is
done in the interest of a uniform and attractive presentation of our website. This constitutes a justified
interest pursuant to Art. 6 (1) (f) DSGVO.

If your browser does not support web fonts, a standard font is used by your computer.

Further information about handling user data, can be found at https://developers.google.com/fonts/faq and
in Google's privacy policy at https://www.google.com/policies/privacy/

8. Payment service providers

Our website accepts payments via several payment systems. 

Data Security:
Your personal information is safe with us! They are encrypted and transmitted to us through SSL128Bit.

Our websites are protected by technical measures against damage, destruction, unauthorized access.


To provide information & Withdrawal:
They receive at any time without giving reasons for free information about your stored data.

You can always place your lock us in correcting the data collected, or deleted.

You can always granted us permission for data collection and use without giving any reason revoked.

Apply this to support@karatbars.com

Information provided according to Sec. 5 German Telemedia Act
(TMG):

Mailing address

Karatbars International GmbH
Vaihinger Straße 149A
70567 Stuttgart
Germany


Contact & Support

For Karatpay requests, please reach out via email to support@karatpay.net.

For Karatbit Exchange requests, please reach out via email to support@karatbit.com.

For Karatbars and Karatgold.sg requests, please reach out to support@karatbars.com.

You can also call one of the phone numbers below in order to speak with one of the departments.

EU Karatbars and Karatgold.sg support phone number:                        +49 (0) 711 128 970 00

US/CAN Karatbars and Karatgold.sg support phone number:             +1 224 829 00 47

Please press 1 for a German, Spanish or French speaking support agent and 2 for English.


Lines open German, Spanish and French Support

Monday - Thursday:  9.30am - 12.30pm & 1.30pm - 6pm CET

Friday: 9.30am - 12.30pm & 1.30pm - 4pm CET

Lines open English Support

Monday 6am CET - Sunday 6am CET.


Register entry:

Registering court: Amtsgericht Stuttgart
Registration number: HRB 739615

Managing Director: Harald Seiz

VAT
VAT Id number according to Sec. 27 a German Value Added Tax Act:
DE280813147

Information concerning professional indemnity insurance:

Berufsgenossenschaft
Handel und Warenlogistik
Gesetzliche Unfallversicherung
Körperschaft des öffentlichen Rechts
MB305M

68145 Mannheim

Scope of insurance: Germany/Deutschland

Company: Karatbars Korea

Business Reg Number: 395-36-00135
Address: #241,123, Dongil-ro, Seongdong-gu, Seoul

Karatbars offers an online shop or e-commece service for gold and luxury products. Karatbars does not operate any banking transactions and does not provide financial services within the meaning of § 32 KWG (English: banking act). Karatbars does not have any authorization from BaFin for its activities.
Statements about the BaFin by affiliates (including those of commercial nature) are NOT AUTHORIZED and are prohibited by Karatbars. To claim that Karatbars is recommended by BaFin is strictly forbidden. Any violation may result in legal consequences including the termination of an account.

Dispute resolution
We do not take part in online dispute resolutions at consumer arbitration boards.

Liability for Contents
As service providers, we are liable for own contents of these websites according to Sec. 7, paragraph 1
German Telemedia Act (TMG). However, according to Sec. 8 to 10 German Telemedia Act (TMG),
service providers are not obligated to permanently monitor submitted or stored information or to search for
evidences that indicate illegal activities.
Legal obligations to removing information or to blocking the use of information remain unchallenged. In
this case, liability is only possible at the time of knowledge about a specific violation of law. Illegal
contents will be removed immediately at the time we get knowledge of them.

Liability for Links
Our offer includes links to external third party websites. We have no influence on the contents of those
websites, therefore we cannot guarantee for those contents. Providers or administrators of linked
websites are always responsible for their own contents.
The linked websites had been checked for possible violations of law at the time of the establishment of the
link. Illegal contents were not detected at the time of the linking. A permanent monitoring of the contents
of linked websites cannot be imposed without reasonable indications that there has been a violation of
law. Illegal links will be removed immediately at the time we get knowledge of them.

Copyright
Contents and compilations published on these websites by the providers are subject to German copyright
laws. Reproduction, editing, distribution as well as the use of any kind outside the scope of the copyright
law require a written permission of the author or originator. Downloads and copies of these websites are
permitted for private use only.
The commercial use of our contents without permission of the originator is prohibited.
Copyright laws of third parties are respected as long as the contents on these websites do not originate
from the provider. Contributions of third parties on this site are indicated as such. However, if you notice
any violations of copyright law, please inform us. Such contents will be removed immediately.