Klarna Privacy & Policy

Klarna Privacy Policy

Last updated: October 12, 2021

Klarna is committed to letting you know how we will collect, use, store, share and protect your personal information when you transact with us. You accept this privacy policy (the “Privacy Policy”) whenever you access or use Klarna products, services, features, and technologies including the Klarna mobile app and www.klarna.com/us (the “Klarna Services”). Please read this Privacy Policy carefully. If you are a resident of California, you may have additional rights, described in our Additional Information for California Residents Section.

This Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites.

Additionally, if you use a Klarna/WebBank product, your non-public personal information will be subject to WebBank’s privacy notice and Klarna’s use of such information will be consistent with that privacy notice.

What type of information does Klarna collect?

Klarna collects two basic types of information from you in conjunction with your use of the Klarna Services (collectively, your “personal information”): (1) personally identifiable information; and (2) non-personally identifiable information.

Personally Identifiable Information is any information that can identify you.

Examples include your name, e-mail address, telephone number, postal address, device identifiers, IP addresses, geolocation information, and financial account information that you provide, such as credit or debit card numbers.
We may also collect personally identifiable information about you from third parties such as data vendors.
Aggregate and/or de-identified information is not considered personally identifiable information.

Non-personally identifiable information is information that does not identify you directly, but may be linkable to you.

Examples include demographic information and general location information.
If non-personally identifiable information is directly linked to personally identifiable information, it will be considered personally identifiable information while it is linked. For example, if your payment history and transaction history are linked to your name, then that information will be considered personally identifiable information and subject to heightened privacy and security restrictions, as reflected in this Privacy Policy.

How does Klarna Collect Information?

We collect information about you through:

Your interactions with or use of the Klarna Services;
Your contact with our customer support team;
Third parties, such as data vendors, your bank or merchants you perform a transaction with;
Through our websites, using cookies, Clear GIFs, web beacons, mobile application plug-ins and similar technologies.

Cookies are small files that are stored on your computer or device when you use the Klarna Services. Cookies record your preferences and the actions you take on your computer or device. We may also use web beacons and mobile application plug-ins, such as software development kits, application programming interfaces and similar technologies. We use these and other similar technologies for security, to monitor traffic, improve the Klarna Services, and make the Klarna Services easier to use and more relevant to you. We may also use these technologies to personalize your experience, deliver advertisements, and for research and marketing.

Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with the Klarna Services to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.

Third Party Analytics We may use automated devices and applications to evaluate usage of our Site. We use these tools to help us improve our Site, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services.

How do we use the personal information we collect?

We may use your personal information to:

Provide the Klarna Services and customer support
Process transactions and send notices about your transactions
Resolve disputes and collect payments and/or fees
Verify the accuracy of and authenticate your information
Detect, investigate and prevent potentially prohibited or illegal activities, such as fraud
Communicate about accounts or transactions and send information about features and enhancements
Contact you, for example by phone, text (SMS) or email
Communicate changes to our policies
Personalize content and experiences, including providing recommendations based on your preferences
Send offers or promotions for the Klarna Services
Provide advertising, including advertising based on your use of the Klarna Services or third-party websites
Perform statistical, demographic and marketing analyses of users of the Klarna Services and their purchasing patterns
Conduct any other legitimate business activities not otherwise prohibited by law

How do we share personal information?

We will only share your personal information with third parties as described in this Privacy Policy.

We may share your personally identifiable information with:

Service providers, affiliates and commercial partners who help with our business operations, including but not limited to, fraud prevention, account maintenance, customer service, marketing and technology services
Credit bureaus and collection agencies, as permitted by law
Merchants you order goods or services from using the Klarna Services
Companies that we plan to merge with or be acquired by
Third parties, including governmental authorities and law enforcement, to (i) protect or defend the legal rights, interests or property of Klarna and any related entity of Klarna; (ii) protect the safety and security of our customers or members of the public; (iii) protect against fraud; or (iv) comply with applicable law, subpoena or legal process. Including, without limitation, LexisNexis Risk Solutions Group, 80 Harcourt Street, Dublin Ireland; Emailage and ThreatMetrix services: Processing Notices | LexisNexis Risk Solutions
Other third parties with your consent or at your direction to do so.
Third parties for any legitimate business purpose not otherwise prohibited by law

We will only share your Personal Information with third parties as described in this Privacy Policy, as otherwise notified to you at the time of collection (for example as set forth in an agreement you have entered into with Klarna) or with your consent.

Email Connect service (available in the Klarna App)

If you connect to the Email Connect service, we will process order information (such as delivery tracking identifiers, supplier information and product information) related to purchases you have made, in order to provide you with delivery information and an overview of your purchases in the Klarna App.

We will not share data obtained through Email Connect with third parties, unless necessary to provide or improve the service to you. In particular, we will not transfer data to third parties for serving ads.

Klarna Desktop Extension

Klarna Desktop Extension is a browser extension of the Klarna app available for select web browsers. By downloading and using the Klarna Desktop Extension you can request and use One-time Cards directly in your browser on websites where this service is enabled in accordance with Klarna’s internal policies. When you browse the internet with the Klarna Desktop Extension enabled, Klarna will receive the domain of the websites that you visit. To the extent this is Personally Identifiable Information or Non-personally identifiable information, it will be handled in compliance with the terms of this Privacy Policy.

Sponsored Links

If you click on a link that is sponsored which promotes a store, product or service you will be redirected to the store’s website through a third party, a so-called “affiliate network.” The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in the Klarna App, which then may be used to track your visit to a store in order to calculate a potential commission to Klarna.

How do we protect personal information?

Klarna uses reasonable security measures to protect your personal information from unauthorized access and use in compliance with applicable law. These measures include computer safeguards and encrypted, secured files and buildings. We also maintain other physical, technical, administrative, and procedural safeguards to protect personal information, and access to personal information is limited to the employees who require it for their job functions. Please be aware that despite our efforts, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

How can you restrict us from sharing your personal information?

Personally Identifiable Information: You may choose not to provide your personally identifiable information to us; however, you will not be able to use the Klarna Services.

You can also limit our use and sharing of your personal information in other ways, such as:

You may unsubscribe from marketing emails, but we will still be permitted to contact you for servicing and account-related purposes by clicking the “Unsubscribe” link in the email footer or by contacting Klarna Customer Service.
You can modify browser settings to decline cookies, but certain features of Klarna Services may not function properly or may be unavailable if you do. For more information on cookies and how to disable them, you can consult the information provided by the Interactive Advertising Bureau at www.allaboutcookies.org.
For your mobile device, you can understand which third parties have currently enabled cookies on your mobile device and how to opt-out of some of those cookies by accessing the Network Advertising Initiative’s website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android). Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed and that you may still receive advertising from third parties, although such advertising may not be based on your interests and preferences.
We use the information provided by Google Analytics to improve our Services. For more information regarding how Google collects, uses, and shares your information and how to opt out of certain uses please visit http://www.google.com/policies/privacy/partners/ and https://tools.google.com/dlpage/gaoptout.
Your browser or device may include “Do Not Track” functionality. Note that Klarna’s information collection and disclosure practices, and the choices that we provide to customers, will continue to operate as described in this Privacy Policy whether or not a Do Not Track signal is received.

Third-Party Links

The Klarna Services may contain links to third-party websites, including social media sites. By including a link to a third-party website, we do not endorse or recommend any products or services offered or information contained at the third-party website. Any access to and use of such linked websites is not governed by this policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. If you decide to visit a third-party website via a link contained in or by the Klarna Services, you do so at your risk.

Google

When you use Google Maps in the checkout (for example by searching for your address in the address field) or the Klarna App, Google will process your information subject to Google Maps’/Google Earth’s Terms of Service and Privacy Policy.

Rakuten

We partner with Rakuten Advertising, who may collect personal information when you interact with our site. The collection and use of this information is subject to the privacy policy located here: Rakuten’s privacy policy; To submit an opt-out request

Children Under 13

Our products and services are not designed for children under 13. If we discover that a child under 13 has provided us with personal information, we will delete such information from our systems.

If you are a resident of California, under 18 and a registered user of the Services, you may ask us to remove content or information that you have posted through the Services by contacting Klarna customer service. Please note that your request does not ensure complete or comprehensive removal of the content or information, as, for example, some of your content may have been reposted by another user.

Governing Law and Notice to Non-US Users

The Klarna Services are directed to individuals located in the United States, and our policies are directed at compliance with those laws. If you are located outside the United States, you should NOT submit personal information to Klarna. If you voluntarily submit personal information to us, you thereby consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to, and/or storage of that information in, the United States.

Accessing, Correcting or Deleting Your Information

You may request to access, correct, or delete personal information that you have provided to us. You will not be permitted to examine the personal information of any other person or entity and may be required to provide us with personal information to verify your identity prior to accessing any records containing information about you. Depending on where you live and the type of information you have provided to Klarna, you may have different rights and choices for managing your personal data. For example, certain state laws do not apply to personal data collected, processed, or disclosed by a financial institution according to federal laws, such as the Gramm-Leach-Bliley Act. Accordingly, the ability to access, correct, or delete data is not absolute, and is subject to Klarna’s internal policies. Klarna must adhere to certain legal obligations preventing us from immediately deleting some of your personal information. For example, we may not accommodate a request to change or delete personal information if we believe doing so would violate any law or legal requirement or cause the information to be incorrect. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.

Changes to this Policy

This policy is current as of the Last Updated date set forth above. We may change this policy from time to time, so please be sure to check back periodically. We will post any changes to this policy on the Klarna Services. If we make any changes to this policy that materially affect our practices with regard to the personal information we have previously collected from you, we will aim to provide you with notice in advance of such change by highlighting the change on our website.

How can you contact Klarna?

If you have questions about the privacy aspects of our services or would like to make a complaint, please contact Klarna customer service.

Additional Options and Rights – California Residents Only

California provides consumers with additional information and rights as related to their personal information. Klarna will not discriminate against you because you exercise any of the rights as described in this section. These rights do not apply, however, to any information we collect that is exempt from the California Consumer Privacy Act, such as non-public personal information that Klarna collects or discloses in providing a financial product or service for personal, family or household use. While this portion of the Privacy Notice does not apply to information that is exempt from the California Consumer Privacy Act, in the interest of transparency, we have identified certain categories of personal information that overlap with these categories of exempted data.

Categories of Data Collected, Sold, and Disclosed	Please see our Notice of California Consumer Data Collection and Sharing Practices.
Sale of Personal Information to Third Parties	You have the right to opt-out of the sale of some types of personal information. At present, Klarna does not sell personal information to third parties. Please note that your right to opt-out does not apply to our sharing of data with service providers, who are parties who are engaged to perform a function on our behalf and are contractually obligated to use the data only for that function. If our practices change in the future, we will provide you with the opportunity to opt-out before any such sale.
Access to Personal Information	You have the right to request from us access to personal information collected about you and information regarding the source of the data, the purposes for which we collected it, and the third parties and service providers with whom we shared it. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request. To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna.Klarna is not required to retain any personal information collected for a single, one-time transaction, if the information is not sold or retained in the ordinary course of business. Klarna is also not obligated to re identify personal information that it maintains in a deidentified state in the ordinary course of business. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.
Erasure of Personal Information	You have the right to request in certain circumstances that we delete any personal information that we have collected directly from you. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request. To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna. We may have a reason under the law why we do not have to respond to your request, or respond to it in a more limited way than you anticipated. If we do, we will explain that to you in our response.To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.
Participation in Data Sharing for Financial Incentive	At this time, we do not offer consumers any financial incentives to share data with us. If that changes, we will seek your consent prior to sharing data.
Use of an Authorized Agent	Many of the rights provided to California Residents may be exercised by someone else at your direction, an Authorized Agent. If you would like to authorize another person to act on your behalf with regard to these rights, please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.
Additional Questions?	If you have any additional questions about the privacy aspects of our services please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.

Notice of California Consumer Data Collection and Sharing Practices

The California Consumer Privacy Act (“CCPA”) requires us to disclose certain information about our data collection and sharing practices to California residents, and to align this information to certain categories of personal information as enumerated in the law:

The specific pieces of personal information and the categories of personal information we have collected about consumers in the past 12 months.
The business or commercial purpose for collecting that personal information.
Whether we “sell” that category of information to third parties. An external party may be considered a third party in the below chart either because the purpose of sharing is not an enumerated business purpose under California law, or because our contract does not restrict them from using personal information for other purposes. To “sell” data means to sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, a consumer’s personal information by the business to another business or a third party for monetary or other valuable consideration.
Whether we disclose that category of information to “service providers,” which are external parties that we engage for business purposes and is restricted from using personal information for any purpose that is not related to our engagement.

Klarna does not engage in the practice of providing data to third parties in return for a financial benefit to us.

As a California resident, you may be entitled to additional rights regarding the collection and sharing of your data described in this Policy.

The following table summarizes the personal information we have collected or created about consumers in the prior 12 months and how we have shared with external parties. This table describes our practices generally; not all individual pieces of your personal information may be shared.

Klarna does not sell personal information and will not sell personal information, except as described in this Privacy Policy. If we ever decide to sell personal information, we will provide you with notice and a right to opt-out of such sale.

	Data Fields	Method of Collection	Purpose of Collection (in addition to the purposes listed below)	Shared with Service Providers
(A) Personal Identifiers	Name	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Phone Number	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Email Address	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Contact Address	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Account Number	We generate and assign to consumer account	To provide advertisements and discounts for third party goods and services.	Yes
	Online Handle, user name or identifiers	Consumer creates when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	IP Address	Automatically when consumer visits website	To provide advertisements and discounts for third party goods and services.	Yes
(B) Additional Personal Identifiers	Credit/Debit card Number	Consumer provides when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	Age	Consumer provides date of birth when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	Drivers License, Passport, or other government issued ID	Customer provides when confirming personal details		Yes
(D) Commercial Information	Actual and considered transactions are stored in consumer profile	Automatically when consumer visits website or uses the Services	To provide advertisements and discounts for third party goods and services.	Yes
	Information about your income, preferences, and opinions	Customer provides when participating in surveys, user experience testing or focus groups.	To provide advertisements and discounts for third party goods and services.	Yes
(F) Biometric Information	Faceprint	Consumer provides when creating account or completing transaction		Yes
(F) Internet or other electronic network activity information	Internet browsing data, IP address	Automatically when consumer visits website or uses the Services	To provide advertisements and discounts for third party goods and services.	Yes
(H) Geolocation Data	Geolocation of a personal device using the Klarna App.	Consumer Provides when using the Klarna App.	To provide advertisements and discounts for third party goods and services.	Yes
(H) Audio, electronic, visual, thermal, olfactory, or similar information	Video and Voice recordings	Interactions with Klarna, for example recorded telephone interactions with customer service or recorded video interactions as part of a user experience test or focus group.		Yes
	Email and chat communications	Emails sent by consumer to any Klarna email address; chat communications with Klarna Customer Service;		Yes
	Email Communication	Emails accessed while enrolled in the Email Connect Service	To provide advertisements and discounts for third party goods and services.	Yes
(K) Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics		Inferences may be generated through a series of computer processes	To provide advertisements and discounts for third party goods and services.	Yes

All listed categories of personal information, except as otherwise noted, are collected for the following business purposes in addition to purposes included in the table above:

To enable or effect, directly or indirectly, a commercial transaction involving the Klarna Services.
Performing services on behalf of Klarna or a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.
Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
Undertaking internal research for technological development and demonstration.
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
Debugging to identify and repair errors that impair existing intended functionality.

All non-public personal information that we collect (except through a Klarna Credit account with WebBank) is subject to the following Consumer Privacy Notice:

Rev. March 2021

FACTS	WHAT DOES KLARNA DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include:Social Security number and payment historyTransaction history and credit historyCredit scores and account balances
How	All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Klarna chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Klarna share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes—to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes—information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes—information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions:	Call 1-844-552-7621 or go to www.klarna.com
Who is providing this notice?	Klarna, Inc.
How does Klarna protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Klarna collect my personal information?	We collect your personal information, for example, when youOpen an account or use your credit or debit cardPay your bills or apply for a loanGive us your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit onlysharing for affiliates’ everyday business purposes—information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include companies with a Klarna name, and financial companies such as Klarna Bank, AB, Sofort GmbH, BillPay GmbH
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.Klarna does not share with non-affiliates so they can market to you
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.Klarna doesn’t jointly market

California Residents: The California Consumer Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the act about personal data it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to the Gramm-Leach-Bliley Act. We will not share personal information that we collect about you with nonaffiliated third parties without your authorization except as permitted by law.Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.klarna.com/us/legal or call 1-844-552-7621.