Klarna Services Terms

These terms apply between Klarna Bank AB (publ) (“Klarna”) and you when you use Klarna’s services and features as described in these terms (the “Services”). You sign up for the Services by accepting these terms.

DESCRIPTION OF THE SERVICES

For Klarna, shopping is not just about finding great stuff and paying for them - it is also about enjoying a great shopping experience at the store of your preference, a state of the art app, and many other things. Simply put, a smoooth user experience both before you have done your purchases and after you have done a purchase. These terms explain in more detail what this means. Please note that additional terms may apply to a specific payment method if you choose to make your payment by using one of the methods offered by Klarna.

1. Autofill and preferences

In order for you to have a smoooth and friction free shopping experience we will remember some information about you and use that information to autofill different forms with your information during your shopping. This will enable you to save time and focus on more important stuff than filling out the same information over and over again. Let us explain in more detail how this works.

Autofill of your contact information

We can help you to fill in  your contact information in two ways.

Autofill through input of limited information

While interacting with Klarna we may ask for information about you, such as name, address, telephone number, email, date of birth, or personal identification number. We will keep this information in our systems so that when you return to us or use our payment methods, you will only need to provide some of this information such as email and zip-code, or personal identification number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through a Klarna cookie

An additional method we can use to autofill your information is by placing a Klarna-cookie on your device (computer, tablet, mobile phone, etc.). You may choose to store your details such as name, address, telephone number, email, date of birth, or personal identification number, and card details with Klarna. If you do so, we use the cookie to fetch those details from Klarna’s storage, and the cookie will help us to autofill them when you shop with Klarna.

By accepting these terms you give Klarna a consent to store this cookie on your device. For more information on our use of cookies see our Cookie Statement.

Disable autofill

If you don’t want to use the Autofill functionalities you can contact us and we will disable them. You can also disable them from the Klarna App or by adjusting your autofill settings during the purchase process. You can at any given time delete all cookies on your device, which deletes our cookie as well.

Autofill of other information

While interacting with Klarna you may also provide us with other information, such as for example card details. You may choose us to keep this information in our systems so that when you return to us we may autofill such information after we have identified you.

When you shop directly from the Klarna App we can also autofill your details on the site where you are shopping. This is enabled by you being logged in to the app and we know it is you that are shopping.

Preselected preferred payment methods

In order to make your shopping experience even smooother Klarna can, based on your previous purchases, pre-select the payment method that we believe to be your preferred way of paying. You may however also have access to other payment methods should you prefer to switch to another method than the one we pre-selected for you.

2. Klarna App

The Klarna App, provided to you by way of an app or a web portal is your hub for all your Klarna purchases and all other great features Klarna offers. By using the Klarna App you can pay your purchases, track your packages and many more things. Some of these features are activated by downloading the app or logging in through the web portal, while others can be activated by you after login. The exact content of features can differ between different country versions of the Klarna App. Klarna updates the Klarna App continuously with new features. To mention a few of the features we are most proud of:

Features available in all countries:

• View your current and previous Klarna purchases and transactions
• Pay for your purchases
• Easy interaction with Klarna, for example chat

Example of other features we may offer depending on country version:       

• View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna.
• Order, delivery or parcel tracking
• Easy return handling and refunds
• Personal finance overview and management
• Display of relevant information and articles, and personalized offers
• Upload, display and storage of your transaction, purchases, receipts, images and other material
• View your orders made via stores or entities unrelated to Klarna
• Create and share collections of goods or services of your choice
• A size assistant which prefills your recommended size based on your input when you shop via the Klarna App

The size assistant provides an estimated size based on your input. The size assistant does not warrant that the estimated size will fit or be correct. You always decide which size to order.

As a Klarna App user you may, at your own discretion, upload, publish and share your content, such as collections, images and nickname. You acknowledge that by sharing content you make it publically available, which means that information about you becomes available to others, and may be used and shared further by other individuals. 

You may only upload, publish or share content which you have the right to use for these purposes, and which do not violate law, this Agreement or third party rights. Klarna reserves the right, without obligation, to monitor, review, adjust, inactivate or remove content, without notifying you or a third party.

You are solely responsible for your upload, publication and sharing of content, and agree to indemnify and hold Klarna harmless from damages, loss or costs incurred by your upload, publication or sharing of content, including in connection to third party claims against Klarna.

3. Show historical purchases and transactions

We save information about your purchases and transactions in the Klarna App. As a part of the Services provided under these terms, Klarna enables you to see information about your purchases and transactions in the Klarna App. The Klarna App is the only place where we display your previous purchases and transactions.  

If you want to learn more about how Klarna uses this information, and other information we have about you, please see our Privacy Notice.

4. Offers and benefits

Klarna may provide you with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. What offers and benefits you receive will be based on your previous actions such as number of purchases, purchase amounts, or usage of Klarna Services.

Are there any costs for the Services?

The Services are free of charge. Please note that interest and fees may apply to the use of a specific payment method. So make sure you check the specific information for the payment method that you use.

Improvement of the Services

We constantly work to improve our Services in order for you to get an even smooother user experience. This may require changes to these terms. In this case, you will be asked to accept the new terms before you can continue to use the Services.

Privacy and your personal data

To the extent you cause our processing of information, e.g. by uploading, publishing or sharing data in the Klarna App, about you indicating political or philosophical beliefs, trade union membership, data concerning health or sex life, etc. (so-called special categories of personal data, in accordance with EU Regulation 2016/679 (the “GDPR”)), you give your explicit consent to us processing that data to perform our Services. 

Please see our Privacy Notice for further details regarding our processing of your personal information and more information about your rights regarding your data. You can also find our contact details should you have any questions. 

Cookies and similar tracking technologies

For parts of the Services we use cookies and similar technologies to deliver a tailored and smoooth online experience. For detailed information about how Klarna uses cookies and similar technologies, please read our Cookie Statement.

Your obligations 

You shall always provide correct information and use your own and correct identity. Any use of information that does not belong to you or that you for other reasons are not authorised to use, or the use of the Services in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Services from further usage.

If you upload, import or share content to Klarna, like images, texts, receipts, information on goods, service or deliveries, or other content, you grant Klarna a royalty-free right to use and display the content for purposes of delivering the Services. We have the right to remove any content uploaded or shared by you if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded or shared by you. You acknowledge and agree that if you upload, import or share content that violates, or Klarna may reasonably assume to violate, law or your agreement with Klarna, we may terminate or deactivate your use of the Klarna App. 

Third party services

Some features used by you, for example parcel tracking, may include services provided by a third party.

Your use of Google Maps in the Klarna App is subject to the then-current Google Maps/Google Earth Additional Terms of Service at https://maps.google.com/help/terms_maps.html and Google Privacy Policy at https://www.google.com/policies/privacy/.

To prevent abuse of the Klarna’s App via web portal, Klarna may use reCAPTCHA, making you subject to Google’s Privacy Policy and Terms. 

Duration and termination of this agreement

This agreement is concluded for an indefinite period of time. It applies until it is terminated by you or us and can be terminated at any time.

Klarna

Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99, e-mail: service@klarna.co.uk, is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen’s website.

Complaints

For complaints, the information provided on www.klarna.com applies. If you have a complaint towards Klarna, you can submit your complaint through the Klarna’s website or via postal mail with the keyword "Complaint” to Klarna’s address.

If we are unable to resolve your complaint, you may refer your complaint to the Swedish National Board for Consumer Disputes (ARN). Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on ARN’s website: http://www.arn.se. You can submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission:https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to ARN. You may also contact ARN in Swedish by postal mail or personally: Allmänna reklamationsnämnden, Postbox 174, 101 23 Stockholm, Sweden, Visitor Address: Kungsholmstorg 5, Stockholm.

Klarna’s Privacy Notice
 

We at Klarna care about your privacy. Therefore, we always collect and process your personal data responsibly and with your privacy in mind. This Privacy Notice describes how Klarna Bank AB (publ) (“Klarna”) collects and uses your personal data when you use any of Klarna’s services (the “Services”) and become a customer of ours. Examples of use of our Services are when you pay with any of our payment methods, when you contact us, when you use the Klarna web portal and mobile application (the “Klarna App”), or when your information is autofilled in a store’s checkout. This Privacy Notice also describes your rights in relation to our use of your personal data, and how to exercise those rights.
 

This Privacy Notice applies, except for what is stated in Section 1 below, to all personal data that Klarna processes. It is therefore important that you read and understand this Privacy Notice. 
 

"We", "our" or "us" means Klarna Bank AB (publ) registered with the Swedish companies register under the registration number 556737-0431 and with our main office located at Sveavägen 46, 111 34 Stockholm, Sweden. For the purposes of EU data protection law, we are a data controller in respect of the personal data we receive from you, or otherwise collect about you, and we are responsible for ensuring that we use your personal data in compliance with applicable data protection laws.
 

1. Other Klarna privacy notices

The services Klarna Ident and Klarna Open Banking use your personal data in accordance with what is stated in those services’ separate privacy notices, which are presented to you when you use those services. Those separate notices apply instead of the information given here. Separate privacy notices may also apply for specific campaigns or offers which are temporarily available. If so, such separate privacy notices are presented in connection with the campaign or offer.
 

If you are employed by Klarna, a candidate applying for a job at Klarna, or an employee of a store that cooperates with Klarna, other privacy notices apply to Klarna’s processing of your personal data for these purposes, and you will be provided the relevant information in connection to your contact with Klarna. Contact us using the information in Section 13 below if you want a copy of the relevant privacy notice. 
 

2. What information do we use?

2.1 Information you give us 

You may give us information about yourself when you use one of Klarna’s Services, for example when you choose to pay with one of Klarna’s payment methods, contact us, or use the Klarna App. Please note that you are only allowed to provide your own personal data when using the Services, for the Services to be provided correctly.

Depending on which Service you choose to use, this personal data will be:

• Contact- and identification information – name, date of birth, national ID number, title, billing and shipping address, email address, mobile phone number, nationality, employment and employment history, etc.

• Payment information – credit and debit card data (card number, validity date, and CVV code), bank account number, etc.

• Special categories of data – you may, at your sole discretion, choose to provide us information about you which constitutes “special categories” of personal data according to EU Regulation 2016/679 (the “GDPR”), including e.g. data revealing religious, political  or philosophical beliefs, trade union membership, or data concerning health, sex life or sexual orientation. We will never require this type of data from you in order to provide you with our Services. Providing us with this information will be strictly voluntary and based on your explicit consent. Please see Section 5 for information about  how you can revoke your consent.

You can at any time change your profile information such as your contact information and other editable settings. This can be done either in the Klarna App or by contacting us.

2.2 Information we collect about you 

Depending on which Services you choose to use, we may collect the following information about you, either ourselves or via third parties (for example credit and fraud prevention agencies, stores, or public databases):

• Contact- and identification information – name, date of birth, national ID number, title, occupation, gender, billing and shipping address, email address, mobile phone number, nationality, etc.

• Information on goods/services – details about the goods/services you purchase or order, including for example type of goods or shipment tracking number.

• Financial information – financial information collected from third parties such as your income, potential credit commitments, negative payment remarks, previous payment- and credit acceptances.

• Information about the interaction between you and Klarna – how you use the Services, including information on outstanding and historical debts and your repayment history with Klarna; technical data such as page response times, download errors, personal preferences; your interactions with the Klarna customer service, etc.

• Recorded telephone conversations – we record telephone conversations if you call our customer service.

• Information about the interaction between you and stores - your dealings with stores you visit or shop with, such as information about whether you have received the goods, and type of store.

• Device information – e.g. IP address, language settings, browser settings, time zone settings, operating system and platform and screen resolution. To learn more about how we may collect information from your device, or store information on your device, please see Section 11 below.

• Information from external sanction lists and PEP lists – we may screen your information against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons. These lists include information such as name, date of birth, place of birth, occupation or position and reason for being listed.

• Service-specific information – in order to provide you with some of our Services we may collect and process additional personal data that is not covered by the above categories. Please see Section 4 below in order to find out which additional personal data is processed for the respective Service.
   

3. What personal data do we process, for what purpose, and why is it lawful for us to do so?

Depending on which Services you use, Klarna may process your personal data for the purposes listed below, based on the legal bases stated for each respective purpose. You can find more specific information about how we process your data in some of our Services in Section 4 below.

Processing in order to provide the Services

Product improvement and research

Compliance and to protect Klarna from legal claims

To provide marketing

4. Service-specific processing of personal data in some of Klarna’s Services 

This Section sets out certain processing of your personal data which is specific for certain Services. To learn more about our Services, and their included features, please consult the terms and conditions of the respective Service.

4.1 Klarna’s credit Services

The following Services involve us giving you a credit: Pay later (invoice), Pay now (if it involves direct debit), Slice it, as well as Klarna Card and the one time card (both available in the Klarna App). To provide these Services, we do a credit assessment of you. The credit assessment is based on contact- and identification information you have provided, information about the interaction between you and Klarna, and financial information. The financial information includes externally obtained information from credit reference agencies, such as income and payment remarks. You can read more about our use of credit reference agencies in Section 7.4 below.

               The Klarna Card and one time card

When you apply  for the Klarna Card and the one time card (available in the Klarna App), Klarna conducts a credit assessment of you, as we do for our other credit Services. If you have the Klarna Card, Klarna then continuously updates our credit assessment of you based on your interactions with Klarna.

We share information about you and the purchases you make when using the Klarna card with VISA and members of the VISA card network, as far as this is necessary to carry out the card transactions, prevent fraud, and follow applicable rules. If you renew your Klarna Card or receive a new one, we will transfer this information to VISA in order for VISA to inform third parties with whom you have stored your card details (for example for recurring transactions).

If you add your Klarna Card to a digital wallet, we may need to share your data with the digital wallet provider, in line with that provider’s privacy notice.

4.2 Card Linking Service 

If you link your credit- or debit card to Klarna, Klarna will receive your card details and information about the transactions you make when you use the linked card to purchase goods or services with a store participating in Klarna’s loyalty program connected to this service. 

Klarna will share your card details with our service provider (Fidel Ltd) and the relevant payment card network, in order for Klarna to be able to receive transaction information for purchases made with the linked card at a participating store. 

The payment card network will then monitor transactions on your linked card to determine whether you have made a purchase with a store that participates in the loyalty program, and share such transaction details with Klarna’s service provider (Fidel Ltd). The service provider will then share such transaction details with Klarna.

Klarna will review transactions you have made with participating stores, to decide whether the transactions should qualify for a reward.
 

4.3 Offers and event invitations posted on social media

If you have clicked on one of our offers or event invitations posted on social media, we may get access to contact information which forms part of your profile (for example your name, email address, telephone number and other relevant business information such as the name of your employer, its address, and type of business). We use this information to supply you with the requested Service, and to supply you with marketing and offers about our Services. You can always opt out from this by contacting us, see Section 13.
 

4.4 The Klarna user experience delivered under the Klarna Services Terms

To be able to deliver a smoooth user experience, both before and after you have done a purchase, Klarna offers the Services described below, and which are also described in more detail in the Klarna Services Terms. The use of these Services involves the following processing of your personal data: 

Historical transactions

We save information about the goods/services you purchase using our Services, or otherwise choose to give us access to, in order to display this information to you.

Autofill of your contact information.

Autofill of your contact information can be done in two ways – through your interaction and / or through a cookie:

Autofill through your interaction

When you use the Services, we may ask for your contact- and identification information, such as name, address, telephone number, email, birth date and/or national ID number. We will keep this information in our systems, and when you return to us you will only need to provide some contact details such as phone number, email, zip-code, or national ID number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through cookie

An additional method we may use to autofill your information is by placing cookies on your device (computer, tablet, mobile phone, etc.), which enable you to choose to save your details such as name, address, telephone number, email, date of birth, national ID number, and card details with Klarna. If you do so, we then use the cookie to fetch those details from Klarna’s systems when you use our Services with the same device. We will then autofill your details when you interact with Klarna.

Deactivation of Autofill

If you don’t want to use the autofill functionalities you can contact us to adjust your settings. You can also adjust your settings in the Klarna App directly or in the purchase process at a store. You can at any given time delete cookies on your device, which will delete our cookies as well.

Preselected preferred payment methods

Klarna can assess which payment method is your preferred way of paying when shopping, and pre select this payment method for you. This processing and presentation does not, however, affect which payment methods are available to you. For this assessment, Klarna processes information about the interaction between you and Klarna, such as information about your previously selected payment methods,  purchase amount(s) and store. This processing constitutes profiling. Please see Section 6 for more information on profiling. 
 

Offers and benefits

To be able to offer you benefits such as discounts, special events, pre-access to products, sales promotions, store offerings, sampling, giveaways, etc, we look at information about the interactions between you and Klarna (such as the number of purchases under a certain time period), your contact- and identification information, information on goods/services, and information about the interaction between you and stores. This may involve profiling. Please see Section 6 for more information on profiling.

The information will form the basis for Klarna’s marketing and customer analytics, business- and method development, as well as statistics.

Within the offers and benefits program, Klarna and Klarna’s suppliers and subcontractors (on Klarna’s behalf), may use this information to communicate with you and deliver offers and benefits, via physical mail, text messages, email, social media and other digital channels. Klarna and its suppliers and subcontractors will not use any direct marketing channel for this purpose (e.g. email or text-messages) if you have opted out from direct marketing (respectively if you have not opted in, if that is legally required in your country of residence).

You can opt out from offers and benefits either by deregistering using the link provided in each email from us, or by contacting us, see Section 13 below.

The Klarna App

If you use the Klarna App, additional personal data will be processed to provide the Services you choose to use within the Klarna App, such as;

• Personalized articles and ads: you will be able to see personalized articles and ads based on your previous purchases.

• Personalized Klarna overview: an overview is displayed, where you can view the status of your Klarna purchases and view your purchase history, access potential refunds, settle payments and extend your payment terms.

• Delivery and parcel tracking:  you may in some cases be able to track the route of your parcel.

• Possibility to “follow” stores: if you choose to “follow” a store, you receive information about campaigns connected to that store. Klarna will then automatically assess whether your purchases entitles you to discounts or other offers within that store’s ongoing campaign.

• Credit Services: we may offer you credit based on previous purchases.

• Shopping through the Klarna App: shopping through the Klarna App is a way of using Klarna’s payment methods in almost any store, through a one time card. When you shop using the Klarna App, Klarna will collect information about your purchases and show them in the app.

• Customer service: when you contact the Klarna customer service through the Klarna App we will have access to the information you provide.

• Your connected bank accounts (the Personal Finance Service): Using this Service will allow you to get an overview of your finances, including not only your transactions with Klarna, but also your connected bank accounts. When you choose to use this Service, Klarna will process information about the external bank accounts and other accounts (such as card accounts) which you choose to connect, and collect personal data such as account number, bank, historical transactions on the account and funds and assets available. Based on this data, Klarna will visualise and provide you tools to control your finances by way of offers tailored to your specific situation (based on profiling, as explained in Section 6). This is done by comparing your expenses with the expenses of other users of the Service.  Based on this comparison, we, together with our partners, can offer ways of minimising your fixed and non-fixed costs.

• Profile picture: You can choose to upload a profile picture in the Klarna App, in which case you give your consent to this picture being shown in various Klarna interfaces (for example in Klarna’s checkout at a store, or in the Klarna App). Klarna’s interfaces may also be embedded in stores’ apps. The picture may also be shown to others if you share your device with others (while using autofill through cookies), or if you choose to share content from your Klarna App with others. You may at any time revoke your consent in accordance with Section 5 below, and Klarna will then erase your picture.
   

5. Revoking consent

In cases where Klarna processes your personal data based on your consent or explicit consent (for example if you submit a Power of Attorney, allowing another individual to access your data, in case you provide us information indicating that you are a vulnerable customer, or in case you upload special categories of personal data into our Services), you can at any time revoke this consent, either by contacting us or by deleting your uploaded data in the Klarna App. Revoking consent will not lead to any detriment for you, as we do not require this type of information to provide our Services.
 

6. Klarna’s profiling and automated decision making

“Profiling” means automated processing of personal data to evaluate certain personal aspects relating to you, for example in order to analyse or predict aspects of your financial situation or your preferences, such as purchase interests. We use profiling based on the personal data we have about you in order to take individual or automated decisions about you, for the following purposes:

Decisions without legal or similarly significant effect

Klarna makes the following decisions without legal or similarly significant effects for you;

• Predicting what marketing content would be of interest to you. You can always object to this and deregister from the marketing and this profiling, by contacting us. For further information about our processing of personal data for marketing purposes, see Section 3 above);

• Deciding what loyalty bonuses would suit you (See Section 4.3 Offers and benefits above for further information);

• Deciding on the most suitable way to contact you concerning outstanding debt (see Section 3 for further information); 

• Deciding which content to display to you in the Klarna App. See Section 4.3 The Klarna App for further information.

In addition, some of our Services, such as the preselected preferred payment methods, or when you connect accounts in our Klarna App, use profiling in order to deliver the applicable Service to you, for example delivering relevant financial insights to you, or to select which offers to give you, in accordance with the terms of the relevant Service.

Decisions with legal or similarly significant effect

Automated decision making with legal effects, or automated decisions with similarly significant effect, means that some decisions in our Services are solely based on automatic means, without any interaction from any of our employees, and carry with them significant impact on you as a consumer. By making such decisions in an automated fashion, Klarna increases objectivity and transparency in the decisions when offering those Services. 

We use this type of automated decision making when we:

• Decide to offer you our credit Services, and subsequently grant you a credit;

• Decide not to offer you our credit Services;

• Decide whether you pose a fraud- or money laundering risk, if our processing reveals that you display behaviour consistent with money laundering or fraudulent conduct, that your behaviour is inconsistent with your previous use of our Services, or that you appear to have deliberately hidden your true identity. In relevant cases, Klarna also checks whether or not a specific customer is listed on a so called sanction list.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details in Section 13 below. 

See Section 3 for further information on the types of personal data processed for these purposes.

You always have the right to challenge an automated decision which carries a legal or similarly significant effect (together with the profiling connected to it), by contacting us using the email address referred to in Section 13 below. A Klarna employee will then look at your case.
 

7. Who might we share your personal data with?

We may share your personal data with the categories of recipients listed below, for the purposes listed below. Exactly which recipients we share your personal data with, and for which purposes, will depend on which Service you use. When we share your personal data, we take all reasonable contractual, legal, technical, and organisational measures to ensure that your personal data is treated with an adequate level of protection and in accordance with applicable law.
 

7.1 Suppliers and subcontractors 

Klarna may share personal data with the suppliers and subcontractors we use in order to provide our Services to you. Suppliers and subcontractors are companies who are only entitled to process the personal data they receive from Klarna on Klarna’s behalf. Examples of such suppliers and subcontractors are software- and data storage providers, payment processing services, and business consultants.
 

7.2 Stores 

Klarna shares personal data with the stores you visit or purchase from. This is done in order to allow the store to execute and administer your purchase, and administer your relationship with the store, for example by verifying your identity, send you the goods, manage questions and disputes, send relevant marketing and prevent fraud. The personal data shared with a store will be subject to the store’s privacy notices and practices.
 

7.3 Payment service providers (“PSPs”) 

PSPs provide stores and Klarna with services for accepting electronic payments through a variety of payment methods including credit card, and bank-based payments such as direct debit, bank transfers, etc. Some stores use PSPs with which they share your information. This sharing is done in accordance with the stores’ own privacy notices. Some PSPs also collect and use your information independently in accordance with their own privacy notices. This is for example the case if you use a digital wallet.
 

7.4 Credit reference agencies 

If you apply to use a credit Service (see Section 4.1 above for a specification of our credit Services), your personal data may be shared with credit reference agencies (“CRAs”), for the following purposes: To assess your credit score in connection with your application for one of Klarna's payment methods, to confirm your identity and your contact information, and to protect you and other customers from fraud. Your telephone number and address may also be shared with the CRA, in order for the CRA to send you a notification that it has made a credit assessment of you. Depending on the rules in the country where you live, a physical letter of notification may be sent to you if a credit check is performed, or the letter of notification may be distributed electronically.

Your payment behavior may be reported back to the CRAs by Klarna, which may affect your future credit score. When a CRA receives a credit application search from us, they will place a footprint on your credit file that will be seen by other lenders. The CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. The CRAs with which we cooperate in United Kingdom are listed here.

The CRAs will process your data in accordance with their own privacy notices, and may also create or add details of our search and your application to their own records about you or (if applicable) your business. This and other information about you or, if applicable, your business and those with whom you are linked financially may be used to make credit decisions about you or your business.

Please note that Klarna only holds the credit assessment we receive from a CRA in a script data format.  This means that you are recommended to request a copy of the assessment directly from the CRA if you would like to see a readable version. 

In the United Kingdom, a limited lookup may also be conducted before you apply for one of Klarna’s payment methods, for purposes of tailoring the payment methods offered to you. Klarna may carry out a search with a CRA who will keep a record of our enquiry against your name and which may be linked to your representatives (“associated records”). For the purposes of any application for Services from us, you may be assessed with reference to “associated records”. Where any search or application is completed, or agreement entered into, involving joint parties, we may record details at CRAs. As a result an “association” will be created that will link your financial records. Details of which CRA we have used are available on request. We may also add to your or, if applicable, your business’, record with the CRAs’ details of your agreement with us, any payments you make under it, and any default or failure to keep to its terms. These records will remain on the CRAs’ files for 6 years after our agreement with you is settled or terminated, whether settled by you or, if applicable, your business or by way of default. 

The identities of the CRAs, and the ways in which they use and share personal data, are explained in more detail at https://www.transunion.co.uk/crain and https://www.experian.co.uk/crain.
 

7.5 Fraud prevention agencies and companies that supply identity lookups  

Your personal data may be shared with fraud prevention agencies and companies that supply identity lookups in order to verify your identity, the accuracy of the data you have provided us with, and to prevent criminal activities. The companies we cooperate with in the United Kingdom are listed here. Please note that these companies process your data in line with their own privacy notices.

Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
 

7.6 Klarna group 

Your information may be shared with companies within the Klarna group, based on Klarna’s legitimate interest to conduct its business. 
 

7.7 Social media companies 

If you contact us through social media such as Facebook or Twitter, your data will be recorded and processed by those companies, in accordance with their privacy notices.
 

7.8 A person holding a power of attorney of your affairs 

Klarna will share your data with a person holding a power of attorney from you, allowing the person holding the power of attorney to receive such data. This sharing will be done based on your consent. 
 

7.9 Authorities 

Klarna may disclose necessary information to authorities such as the police, tax agencies or other authorities if we are required to do so by law, or under some circumstances if you have requested us to do so. One example of such legally required disclosures is disclosure for purposes of anti-money laundering and counter terrorist financing.

There is also a requirement under UK law to withhold tax due on the payments. You will not need to do so, or take any action based on the agreement we have with the UK tax office (the HMRC), as we will disclose the necessary information to the UK tax office to support this agreement. If you have any questions regarding these arrangements, please contact the tax office. 
 

7.10 Logistics and transportation companies 

Klarna may share your information with logistics and transportation companies that deliver the goods you have ordered, if you have opted in to parcel tracking. Examples of data we share are contact- and identification information and tracking number. Please note that the logistics and transportation companies process your data in accordance with their own privacy notices.
 

7.11 Partners within the Personal Finance Service and the Offers and benefits program

If you choose to take part of offers and benefits which Klarna provides within the Personal Finance Service or through the Offers and benefits program, Klarna may share the personal data that is necessary to enable you to access offers made in cooperation with our partners (this includes the fact that you are a customer of Klarna). Which personal data is shared is presented in connection with every offer. 
 

7.12 Debt Collection Agencies 

Klarna may share your information when selling, or assigns to collect, unpaid debts to third parties, e.g. to debt collection agencies. This sharing of personal data is based on our legitimate interest in collecting and selling debts. The debt collection agencies may process your personal data in line with their own privacy notices, or on Klarna’s behalf.


7.13 Divestment 

• In the event that Klarna sells or buys any business or assets, Klarna may disclose your personal data to the prospective seller or buyer of such business or assets. 

• If Klarna or substantially all of its assets are acquired by a third party, personal data about Klarna’s customers may be disclosed and shared.
   

8. Where do we process your personal data?

We always strive to process your personal data within the EU/EEA. In certain situations, such as when we share your personal data with a Klarna group company or a supplier or subcontractor located outside the EU/EEA, your personal data may however be transferred to, and processed in, a destination outside of the EU/EEA. If the store where you shop is located outside the EU/EEA, our sharing of your personal data with the store will also mean that your data is transferred outside the EU/EEA. 

We ensure that an adequate level of protection is maintained, and that suitable safeguards are adopted in line with applicable data protection legislation requirements, such as the GDPR, when we transfer your data outside the EU/EEA. These safeguards consist of ensuring that the third country or state at hand is subject to an adequacy decision by the European Commission, implementing the European Commission’s standard contractual clauses or ensuring that the recipient is registered with the US Privacy Shield. 
 

9. How long do we process your personal data?

We will process your personal data for the time period needed to fulfil the respective purpose of our processing. These purposes are described in this Privacy Notice. This means that even though we stop processing your personal data for one purpose, we may still need to keep your personal data, if the data is needed for another purpose, using it only for that other purpose. In particular:

• For as long as you have accepted our Klarna Services Terms, and until you terminate those terms (by contacting us or by instructing us to delete data, for example by way of a right to erasure request), we will process the personal data we need to be able to deliver the Services to you, including but not limited to data relating to your previous purchases. 

• We process the personal data included in credit lookups for the purpose of new credit assessments for a time period of 90 days, following the date that the lookup was done.

• We process debt-related personal data for the purpose of new credit assessments for a time period of three (3) years following conclusion of the debt - by payment of the debt, the debt being written off by Klarna or sale of the debt by Klarna. 

• We process the recordings of telephone conversations for a time period of 90 days for quality ensurance purposes, but may keep the recordings for up to two years for fraud investigation purposes.

• We process personal data for the purpose of complying with applicable laws, such as consumer rights legislation, banking- and anti-money laundering legislation and bookkeeping rules. Depending on the applicable legislation, your personal data may be processed up to ten years after the end of the customer relationship.
   

10. Your rights in regards to the personal data

• Right to be informed. You have the right to be informed about how we process your information. We do this through this Privacy Notice, other information on our website, and by answering questions sent to us.

• Right to access your data. You may request a copy of your data if you would like to know what personal data we process about you. This copy of your personal data can also be supplied in a machine readable format.

• Right to rectification. You have the right to correct inaccurate or incomplete information about yourself.

• Right to erasure. You have the right to request deletion of your personal data, for example when it is no longer necessary for us to process the data for the purpose it was collected, or when you have withdrawn your consent. As described in more detail in Sections 3 and 9 above, Klarna however needs to adhere to certain legal obligations preventing us from immediately deleting some of your personal data. 

• Right to restrict processing of your data. If you believe your information is incorrect or you believe we use your data unlawfully, you have the right to ask us to stop the processing.

• Right to lodge a complaint. You have the right to lodge a complaint with your national supervisory data protection authority, or the Swedish Data Protection Authority (“DPA”). Complaints to the Swedish DPA can be made using this link: https://www.datainspektionen.se/other-lang/in-english/.
  Complaints to the UK supervisory authority (the Information Commissioner) can be made using this link: https://ico.org.uk/.

• Controlling service settings in the Klarna app. In the Klarna app, Klarna provides possibilities for you to customize your preferences for certain Services, for example when it comes to whether you want to receive notifications or personalized marketing. We will always respect your choices.
   

11. What about cookies and other tracking technologies?

To deliver a tailored and smoooth experience, we use cookies and similar tracking technologies in our online Services. For detailed information about how Klarna uses tracking technologies, please read our Cookie Statement.
 

12. Updates to this Privacy Notice 

We constantly work to improve our Service offerings, in order for you to get an even smooother user experience. This includes both changes in existing Services and new Services over time. It’s therefore important that you read this Privacy Notice each time you use a Klarna Service, since the processing of your personal data can differ since you last used one of our Services.
 

13. Contact details.

Klarna Bank AB (publ) is registered in the Swedish companies register under the registration number 556737-0431 with our main office located at Sveavägen 46, 111 34 Stockholm, Sweden.

Klarna has a Data Protection Officer and a team of data protection specialists working solely with data protection and privacy. We also have a special team of customer service specialists for data protection matters. You can always reach them at privacy@klarna.co.uk.

Klarna Bank AB (publ) is subject to Swedish data protection legislation. Visitwww.klarna.com for further information on Klarna.
 

14. Acquisition of Close Brothers Retail Finance

In January 2019, Klarna acquired the Retail Finance division of Close Brothers Limited. In relation to this acquisition, Klarna acquired the personal data of customers who use or have used the services of the Retail Finance division. Klarna will process this personal data in order to fulfill contractual obligations, comply with applicable laws, and in line with Klarna’s legitimate interest to conduct its business. 

The personal data acquired will be processed in line with the privacy notice, in force at the time of the acquisition, and in line with applicable data protection laws. Please note that you have the rights stipulated in this Privacy Notice also for this data, for example the right to access (See Section 13). The privacy notice, in force at the time of the acquisition may be found here.