Privacy Statement Klarna

Privacy statement Klarna

Your privacy is important to Klarna. That is why we always collect and process personal data responsibly and with your privacy in mind. This privacy statement describes how we collect and use your personal data when you use Klarna's services (the "Services") and become a customer of ours. Examples of using our services are when you pay with one of our payment options, use our application on the web or on mobile (the Klarna App) or when you have us fill in your information in the checkout of an online store. This document also describes what rights you have and how you can exercise them.

This privacy statement applies to the processing of personal data by Klarna, with the exception of what is described in paragraph 1. It is therefore important that you read this privacy statement.

Some of our Services will give you access to content and features offered by companies or organizations other than Klarna ("Third Party Services"). This is the case, for example, if we link our website to a third-party website and you visit the third-party website via our web browser on the Klarna App. This privacy statement does not apply to the processing of your personal data by Third Party Services, and Klarna is not responsible for the processing of your data by third parties.

We are Klarna Bank AB (publ), registered in the Swedish Trade Register under registration number 556737-0431 with our principal place of business at Sveavägen 46, 111 34 Stockholm, Sweden. Under EU law for the protection of personal data, we are the controller of any personal data we receive from you or otherwise collect about you. We are responsible for processing your personal data in accordance with applicable data protection laws.

1. Other Klarna privacy statements

The Klarna Ident and Klarna Open Banking services use your personal data in accordance with the separate privacy statements of these Services, which are offered to you when you use these services. These separate privacy statements apply in place of the information provided here. Separate privacy statements may also apply to specific campaigns or offers that are available for a limited time. If so, such separate privacy notices will be provided with the campaign or offer.

If you are employed by Klarna, are a candidate applying for a job with Klarna, or are an employee of a store that partners with Klarna, other privacy notices apply to Klarna's processing of your personal data for these purposes, and you will you will receive relevant information when contacting Klarna. Please contact us -you will find contact information in section 13- if you would like a copy of the relevant privacy notice.

2. What information do we collect?

2.1 Information you provide to us

You may give us information about yourself when you use one of Klarna's Services, for example if you choose to pay with one of Klarna's payment methods, contact us or use the Klarna App. You may only provide your own personal data for the use of the Services, so that the Services can be offered correctly.

Depending on which Service you choose, this may include:

Personal data and contact information – name, date of birth, national ID number, title, shipping and billing address, email address, mobile phone number, nationality, salary, audio, photo and video recordings of you and your ID card, etc.
Payment information – credit and debit card details (card number, validity date and CVV code), billing information, account number, etc.
Special categories of personal data - You may choose to provide us with personal data that is classified as special categories of personal data under EU Regulation 2016/679 (the GDPR), such as data about religious or philosophical beliefs, political opinions, trade union membership or data relating to you health, sexual behavior or sexual orientation. We do not need these categories of personal data to provide the Services. If you choose to provide us with this personal data, this is always voluntary and based on your explicit consent. In paragraph 5 you can read how you can withdraw your consent.

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

2.2 Information we collect about you

Depending on which Service you use, we may collect, ourselves or through third parties (for example trade information and fraud prevention agencies, stores or public databases), the following information:

Personal data and contact information – name, date of birth, national ID number, title, shipping and billing address, email address, telephone number, etc.
Information about goods and/or services – data about what you buy, including, for example, the type of goods or a track and trace code.
Financial information – financial information obtained via third parties, such as your income, possible outstanding credits, negative payment registrations, previous payment and credit acceptance, account number, name of the account holder, and other bank details.
Information about interaction between you and Klarna – how you use our Services, including information about outstanding debts and debt and payment history with Klarna. Technical data such as web page response times, download errors, personal settings, your contact history with Klarna customer service, etc.
Recorded telephone conversations - We record telephone conversations when you call customer service.
Information about interaction between you and stores - your previous contacts with stores where you shop, such as information about whether you have received the products and the type of online store.
Device information – for example IP address, language and browser settings, time zone, operating system, platform and screen resolution. Please see section 11 to read more about how we collect and/or store information about your device.
Information from external PEP and Sanctions Lists - we may screen your information against international sanctions lists and lists of so-called politically exposed persons. These lists contain information such as name, date of birth, place of birth, profession or position and the reason for inclusion on the list.
Service-specific information - to provide you with some of our Services, we may collect and process additional personal data that does not fall into the above categories. See Chapter 4 below to find out what additional personal data is processed for the relevant Service.

3. Which personal data do we process, for what purpose and on what legal basis?

Depending on the Services you use, Klarna may process your personal data for the purposes listed below based on the legal basis stated for each separate purpose. In section 4 you will find more specific information about how we process your data in some of our Services.

Processing in the performance of the Services

Purpose of the processing	Personal data	Legal basis for processing
Managing the customer relationship with you in various ways, for example to manage your payment or carry out our obligations under any credit agreements between you and us.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.	Necessary for the execution of an agreement
Creating and sending information to you in electronic form (not marketing).	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.	Necessary for the execution of an agreement
Assess the most appropriate way to contact you to inform you about outstanding debts.	Personal data and contact information, financial information (if we have it) and information about interactions between you and Klarna.	Klarna has a legitimate interest in being able to contact you as effectively as possible. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Assess the order in which different payment options should be presented to you at checkout at a store using Klarna. However, this processing and presentation does not affect which payment options are available to you. You can object to this at any time by contacting us using the contact details below. With this processing we engage in profiling. See section 6 for more information about profiling.	Personal data and contact information, information about goods and/or services, information about the interaction between you and Klarna and information about the interaction between you and the online store.	If you have agreed to the Terms of Use as described in section 4.4, the applicable legal basis is the performance of an agreement. However, if you have not agreed to these conditions, Klarna bases this processing on a legitimate interest. Klarna (and you as a customer) has a legitimate interest in having your preferred payment option displayed in a prominent place at checkout. We ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Conducting customer satisfaction surveys about our Services (for example after you have contacted Klarna customer service) via email, text message, telephone or otherwise. You can object to this use at any time. You will also be informed of your right to object (opt-out) each time your email or telephone number is used for this purpose.	Personal data and contact information, information about goods and/or services, information about interaction between you and Klarna, and information about interaction between you and the store.	Klarna has a legitimate interest in conducting customer satisfaction surveys. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Carrying out a creditworthiness assessment before granting credit. (See section 4.1 about our credit services and section 7.4 about how we work with trade information agencies.)	Personal data and contact information, financial information (including information we obtain externally from trade information agencies), and information about interactions between you and Klarna.	Complying with laws and regulations, when the credit we provide is legally regulated. In the event that the credit is not legally regulated, the data will be processed to execute the agreement.
Preventing IT attacks (e.g. DDos attacks) against Klarna's Services, as part of our efforts to keep our Services secure.	Personal data and contact information, information about interaction between you and Klarna, information about interaction between you and stores and device information.	Klarna has a legitimate interest in keeping our Services secure. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
To be able to treat you as a vulnerable customer (if you have ended up in a vulnerable position due to personal circumstances.)	Personal data and contact information, information about the interaction between you and Klarna and special categories of personal data.	Based on your explicit consent
Improving our Services, for training and quality purposes, and documenting what has been discussed and agreed between you and our customer service team.	Recorded telephone conversations	Klarna has a legitimate interest in improving our Services and conducting training and quality control. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Transferring your data to stores, suppliers and other recipients (See section 7 for more information about how we share your data and why.)	All categories of personal data under paragraph 2	Varies depending on the recipients, for more information see section 7. For example, Klarna has a legitimate interest to use suppliers to provide its Services and we may have a legal obligation to share your data with the competent authorities. Sharing personal data with payment service providers is necessary to execute the agreement.
Carrying out risk assessments, fraud prevention and risk management (for example by verifying your identity and carrying out fraud prevention checks). See section 7 for a more detailed description of our fraud prevention partners.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores and device information.	Klarna and other parties (mainly customers) have a legitimate interest in the risk management of Klarna's business services, for example to control fraud risks. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose. Klarnah also has a legal obligation to provide its customers with identify.
Carrying out collection work, including collecting and selling debts.	Personal data and contact information, information about goods and/or services, financial information, information about the interaction between you and Klarna and information about the interaction between you and stores.	Klarna has a legitimate interest in collecting and selling debts. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose

Product improvement and research

Anonymizing your personal data for product development to analyze customer behavior.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.	Klarna has a legitimate interest in anonymizing your personal data for product development to analyze customer behavior. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Performing data analysis for product improvement and product testing (for example to improve risk and fraud models)	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external PEP and Sanctions lists, and service-specific information.	Klarna has a legitimate interest in carrying out data analysis for product improvement and product testing. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Enabling internal research and creating statistical models.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.	Klarna has a legitimate interest in enabling internal research and creating statistical models. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.
Enabling external research, for example by universities or other educational institutes.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.	Klarna has a legitimate interest in enabling external research and contributes to the general interest of society in supporting research. We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.

Compliance and protecting Klarna from liability

Comply with applicable laws and regulations such as anti-money laundering and accounting laws and regulatory capital adequacy requirements.

Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external PEP and Sanctions lists and service-specific information.

Complying with a legal obligation.

Carrying out screening against sanctions lists and lists of so-called politically exposed persons.

Personal data and contact information, information from external PEP and Sanctions lists.

Complying with a legal obligation.

Protecting Klarna against legal claims (limiting liability) and upholding Klarna's legal rights.

All categories of personal data under paragraph 2.

Klarna has a legitimate interest in protecting itself against legal claims and upholding its legal rights.

We ensure that the processing carried out for this purpose is necessary for the fulfillment of our legitimate interests and that our interest outweighs your interest in not having your personal data processed for this purpose.

For marketing purposes

To send marketing and offers regarding our Services to you.

You can always unsubscribe by contacting us. Use the contact details under paragraph 13.

Personal data and contact information, information about the interaction between you and Klarna, information about the interaction between you and stores and service-specific information.

Klarna has a legitimate interest in sending you marketing and offers.

To determine what marketing we send you. This processing also stops when you unsubscribe from receiving marketing.

Personal data and contact information, information about interaction between you and Klarna, information about interaction between you and stores, device information and service-specific information.

Klarna has a legitimate interest in determining what marketing we send you.

To post sponsored links to products and services from stores.

Information about products/services, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and information specifically related to services.

Klarna has a legitimate interest to place sponsored links to promote our stores in the Klarna App and our website.

4. Processing personal data for certain Services

This section describes the processing of personal data for certain Services. To learn more about these Services and their features, please refer to the terms and conditions of the relevant Service.

4.1 Klarna's credit services

The following services consist of us extending credit to you: Pay later (invoice), Pay now (only in case of direct debit), Financing, Klarna Card and the single-use card (available in the Klarna App). To provide these services, we assess your creditworthiness based on the contact and personal information you provide, information about interactions between you and Klarna and financial information. The financial information includes information obtained externally from trade information agencies, such as income and payment comments (for more information about trade information agencies see section 7).

The Klarna Card and the single-use card

If you apply for the Klarna Card or the single-use card, Klarna will assess your creditworthiness in the same way as with our other credit services. In the case of the Klarna Card, Klarna will continuously adjust the credit assessment based on interactions with Klarna.

We share information about you and the purchases you make when you use the Klarna Card with VISA and members of the VISA payment network as necessary to process your card transaction, prevent fraud and follow applicable rules. If you renew your Klarna Card or receive a new one, we will transfer this information to VISA so that VISA can inform its partners with whom you have stored your card details (for example in case of repeated transactions).

If you add your Klarna Card to a digital wallet, we will share your information with the digital wallet provider in accordance with that provider's privacy statement.

4.2 Offers and invitations on social media

If you have clicked on one of our advertisements or events posted on a third party social media website, we may receive your contact information as you have it in your user profile for the relevant platform (such as name, email address and telephone number and other relevant business information such as the name and address of your company and the industry in which you operate.). We use this information to provide you with the requested Service and to send you marketing and offers related to our Services. You can always unsubscribe from this by contacting us. See paragraph 13 for this.

4.3 The Klarna accounts (savings and current accounts)

If you have a Klarna account, Klarna also processes information about your transactions and credits. When you make transactions or payments on other accounts, Klarna shares your name and account number with the recipient and the recipient's financial institution.

If you have made a payment to a Klarna account, Klarna processes the information it receives from the bank you used for the transaction, such as your name and account number.

4.4 The Klarna user experience provided under the Terms of Use of Klarna Services

In order to provide a smooth user experience, both before and after your purchase, we offer the Services described below and more specifically described in the Terms of Use of Klarna Services. The use of these Services involves the following processing of your personal data:

Historical transactions

We store information about the goods/services that you purchase through our Services or to which you otherwise grant us access, in order to display this information to you.

Preference for filling in your details

The automatic completion of your data can be done in two ways - through your interaction and through a cookie.

Auto-fill by your interaction

When you use the Services, we may ask for your personal information and contact details, such as name, address, telephone number, email, date of birth or national identification number, as well as other information as applicable. We store this information in our systems, and when you return to us or use our Services, you just need to provide some information such as phone number, email, zip code or national ID number (depending on the country) so that we can automatically fill the remaining fields with the rest of the data.

Auto-fill by a cookie

Another method we can use to automatically complete your data is to place cookies on your device (computer, tablet, mobile phone, etc.), giving you the opportunity to choose to have information such as name, address, telephone number , email, date of birth or national identification number and card details with Klarna. If you do this, we use the cookie to retrieve that data from Klarna when you use our Services on the same device. We will fill in your details automatically when you interact with Klarna.

Deactivation of autofill

If you do not want to use autofill, please contact us to adjust your settings. You can also adjust your settings in the Klarna App or directly during the purchase process in a store. You can delete all cookies on your device at any time, which will also delete our cookie.

Preselected preferred payment methods

Klarna can select in advance the payment method that we believe is the best way of paying for you. This processing and display does not affect the payment methods available to you. For this assessment, Klarna processes information about the interaction between you and Klarna, such as information about your previously chosen payment methods, purchase amounts and store. This processing is profiling. See section 6 for more information about creating profiles.

Offers and benefits

In order to offer you benefits such as discounts, special events, early access to products, discount promotions, seller offers, samples, giveaways, etc., we look at the information about interactions between you and Klarna (such as the number of purchases under a certain period) and your contact information and personal details. This may involve drawing up profiles. See section 6 for more information about creating profiles.

The information forms the basis for Klarna's marketing and customer analysis, business and method development and statistics.

Within the Offers and Benefits programme, Klarna and Klarna's suppliers and subcontractors (on behalf of Klarna) may use this information to communicate with you and provide offers and benefits via physical mail, text messages, email, social media and other digital channels. Klarna and its suppliers and subcontractors will not use direct marketing channels (e.g. e-mail or text messages) for this purpose if you have opted out of direct marketing. (or if you have not consented to direct marketing, but this is required by law in your country.)

You can unsubscribe from offers and benefits via a link in an email from us, or by contacting us. You will find our contact information in section 13.

The Klarna App

When you use the Klarna App, additional personal data will be processed (for example, data you have entered based on your consent) to provide the Services you choose to use in the Klarna App as set out below. In addition, if you choose to redeem a reward or participate in a specific offer, the provider of such offers will be able to determine that you are using Klarna services. Personalizing content means creating profiles, which you can read more about in section 6. Profiling is an inseparable part of the Klarna App as an online shopping assistant.

Personalized items and advertisements : You can see personalized items and advertisements based on your previous purchases, contact and identification data, information about goods or services, information about the interaction between you and Klarna, and information about the interaction between you and stores, device information and service-specific information.
Sponsored Links : If you click on a sponsored link that promotes a store's product or service, you will be directed to the store's website through a third party called an “affiliate network” (further explained in section 7.14). The affiliate network may place tracking technology on your device that contains information about what you have clicked on a sponsored link in the Klarna App, which is then used to track your visit to a store so that a potential commission can be earned by Klarna calculated.
Personalized Klarna overview : An overview will be displayed where you can view the status of your Klarna purchases and your purchase history, access any refunds and arrange and extend payment terms.
Curated shopping collection : If you have shared information with us about what topics, products or services you are interested in, we will use this information to provide you with a personalized shopping collection, where you can find the products and services that have been curated based on your interests.
Delivery and tracking of packages : in some cases you can track the route of your package.
Ability to "follow" stores: If you choose to "follow" a store, you will receive information about the campaigns associated with that store. Klarna will then automatically assess whether your purchases entitle you to discounts or other offers within that store's current campaign.
Credit services : we can offer you credit based on previous purchases.
Shopping with the one-time payment card : shopping via the Klarna App is a way to use Klarna's payment methods in almost any store through a one-time payment card. When you use the one-time payment card, Klarna collects information about your purchases and shows it in the app.
Customer service : when you use our customer service via, or in connection with, the Klarna App, we have access to the information you provide to us.
Email Connect: If you have linked your email account to Klarna's Email Connect service, Klarna has regular access to your email account and retrieves purchase-related information such as tracking IDs and other information about goods and services and the interaction between you and stores, to include this information in the Klarna App. You can disable this service at any time, so that Klarna no longer has access to your email account.
Store locator: you can choose to share your location with us. In that case, you give us permission to use this information so that we can show you stores in your area. You can withdraw your consent at any time by disabling location sharing on your device. Klarna does not save your location after we have shown the stores in your area.
The in-app web browser: the Klarna App contains a web browser that allows you to access store websites and online stores so that you can then shop with Klarna's payment methods, even with stores that do not yet use our payment methods. Klarna collects information about how you use the browser so that we can point you to relevant deals and offers. In addition, websites you visit may place their own cookies or other tracking technologies on your device.
Visual search: You can choose to upload photos of products, either by taking a photo of the product in question or by choosing a photo from your phone's library and we will try to find similar products to show you.
Wishlist: You can choose to add products and services in the Klarna App to your Wish List so that you can find them later, or keep an eye on their prices. You can also share your Wish List with others, such as friends and family, where they can see your profile photo and profile name. In some cases, when you are logged in to a retailer's website, links to a product or service that you have added to your Wish List may contain personal information about you, such as your email address.
Your linked bank accounts (the Personal Finance Service): This service gives you an overview of your finances, including transactions with Klarna, but also your linked bank accounts. When you choose to use this Service, Klarna will process information about the external bank accounts and other accounts (such as credit card accounts) that you wish to link and Klarna will collect personal data such as account number, bank, historical transactions on the account and available balance and other credits. Based on this data, Klarna will visualize your finances and provide you with tools to control your finances through offers relevant to your specific situation (based on profiling, as explained in Chapter 6). This is done by comparing expenses with the expenses of other users of the Service. Based on this comparison, we, together with our partners, can offer ways to minimize your fixed and variable costs
Profile photo : You can choose to upload a profile photo in the Klarna App, in which case this photo can be shown in various Klarna interfaces (for example in Klarna's checkout of a store, or in the Klarna App). Klarna's interfaces can also be embedded in the stores' apps. The image may also be shown to others if you share your device with others (while using autofill through cookies), or if you choose to share the content of your Klarna App with others. You can delete your photo at any time in the App or by contacting us.

5. Withdrawal of consent

When we process your personal data on the basis of consent or explicit consent (for example in connection with submitting a power of attorney, submitting additional information indicating that you are a vulnerable customer, or in the event that you upload special categories of personal data to our Services), you can withdraw this consent by deleting your data in the Klarna App or by contacting us. Withdrawing this consent will not result in any disadvantage to you, as we do not need this type of information to provide our Services.

6. Profiling by Klarna and automated decision-making

"Profiling" means the automated processing of personal data to evaluate certain personal aspects relating to you, for example to analyze or predict aspects of your financial situation or your preferences, such as purchasing interests. We use profiling based on personal data we have about you to make individual or automated decisions for the following purposes:

Decisions without legal consequences and that do not significantly affect you in a comparable way

Klarna makes the following decisions without it legal consequences or without consequences that significantly affect you in a similar manner;

predict which marketing content would be interesting for you. You can always object to this and unsubscribe from such marketing and profiling by contacting us. For more information about the processing of personal data for marketing see section 3 below;
decide which loyalty bonuses suit you (see section 4.4 for more information);
decide on the most appropriate way to contact you about outstanding debts (see section 3 for more information);
decide which content is shown in your Klarna App. See section 4.4 for more information.
decide in which order different payment options will be presented in the checkout of a store using Klarna.

In addition, some of our Services, such as when you link bank accounts and similar accounts in our Klarna App, use profiling to provide you with the applicable Service. An example is to provide you with financial insights relevant to you or to select which offers we provide, in accordance with the terms of the Service.

Decisions with legal consequences or that significantly affect you in a similar way

“Automated decision-making, which produces legal effects or similarly significantly affects you” means that certain decisions regarding our Services are based solely on automated means, without any interaction from any of our employees. These decisions have a significant impact on you as a consumer, which is comparable to a legal consequence. Through such an automated assessment we increase the objectivity and transparency of decision-making when offering these Services.

We use this type of automated decision-making when we:

decide not to make you an offer for our credit services.
decide to approve your application to use a credit service.
decide to reject your application to use a credit service.
decide whether you pose a risk of fraud or money laundering, if our processing shows that your behavior shows signs of money laundering, is fraudulent behavior, that your behavior is not in accordance with previous statements or if you have deliberately misrepresented your true identity seems to have hidden. In certain cases, Klarna also checks whether or not a specific customer is on a so-called sanctions list.

See section 3 for more information about the types of personal data processed for these purposes.

You always have the right to object to an automated decision that has legal effects or similarly significantly affects you (together with the associated profiling) by contacting us at the email address mentioned in paragraph 13. A Klarna employee will then look at your case.

7. With whom can we share your personal data?

We may share your personal data with the categories of recipients below for the purposes set out below. The exact recipients we share your personal data with and for what purposes depends on the Services you use. We take all reasonable contractual, legal, technical and organizational measures to ensure that your personal data is treated with an adequate level of protection.

7.1 Suppliers and subcontractors

Klarna may share personal data with suppliers and subcontractors that we use to provide the Services to you. Suppliers and subcontractors are companies that are only entitled to process the personal data they receive from Klarna on behalf of Klarna. Examples of such suppliers and subcontractors include software and data storage providers, payment processing service providers and business consultants.

7.2 Shops

Klarna shares personal data with the store you visit or where you make a purchase (this may also be affiliated companies if you have been informed about this by the store). This is done to enable the store to fulfill and manage your purchase and your relationship with the store or its affiliate, for example to verify your identity, send you the goods, manage queries and disputes, to send you relevant marketing and also to prevent fraud. The personal information shared with a store is subject to the store's privacy statement and policies.

7.3 Payment Service Providers, Account Information Services and Financial Institutions

7.3.1 Payment Service Providers ("PSPs") and Financial Institutions

Payment service providers offer stores and Klarna services to accept and process electronic payments via various payment methods, including credit cards, bank payments such as direct debits, bank transfers, etc. Some stores use PSPs with which they share your information for payment processing. They do this in accordance with the privacy statements of the stores. The stores may also require us to share your information with PSPs for payment administration purposes. Some PSPs also collect and use your information independently in accordance with their own privacy statements. This is, for example, the case if you use a digital wallet.

In addition, Klarna may share your information with other financial institutions to complete the transactions you make with your account.

7.3.2 Account Information Services “Account Information Services” (“AIS”) and financial institutions

When you use Klarna's payment methods, Klarna may use fraud prevention tools to verify your identity, such as Bank Login, where Klarna uses AIS to collect and assess information from your online bank. Klarna is the supplier of AIS to you and in relation to your bank. When you log in to your online bank account using AIS, Klarna collects the necessary data to carry out the assessment. When you use the Bank Login service, Klarna never stores your actual user details (such as Bank ID, PIN code and TAN code). Instead, when you access it, this data is provided directly to your bank using an encrypted connection that complies with relevant banking standards for public and private keys.

7.4 Trade information agencies

If you apply for credit (see Section 4.1 above for a specification of our credit services), your personal data may be shared with trade information agencies, to assess your creditworthiness in relation to your application, to confirm your identity and contact details and to contact you and other customers to protect against fraud. Sharing this information qualifies as a credit assessment.

In the Netherlands, Klarna shares your name, address and telephone number with trade information agencies so that the credit assessment can be carried out. This credit assessment has no influence on your creditworthiness.

The trade information agencies will process your information in line with their own privacy statements and you can find out which agencies we work with here .

In addition, the following applies if you have signed up for Financing: Klarna shares your name, date of birth, address, in some cases email address, information about your financing debt and information about repayments (including late repayments) relating to that debt, with the Dutch Foundation Bureau Krediet Registration (BKR), in line with Dutch financial legislation. The information shared with BKR may influence your future creditworthiness and the ability to take out credit.

Please note that Klarna only has the credit rating we receive from a commercial information agency, in a script data format only. This means that it is best to request a copy of the assessment from the trade information agency if you want to see a readable version.

7.5 Fraud Prevention and Identity Verification Services

Your personal information may be shared with companies that provide fraud prevention services to verify your identity and the accuracy of the information you have provided to us and to prevent criminal activity. The companies we work with in the Netherlands are: here summed up. Please note that these companies process your data in accordance with their own privacy statements.

7.6 Klarna Group

Your information may be shared with companies within the Klarna group, based on the legitimate interest of Klarna's business operations.

7.7 Social media - companies

If you contact us via social media platforms such as Facebook or Twitter, your data will be stored and processed by these companies in accordance with their privacy statements.

7.8 A person with power of attorney for your actions

Klarna will share your data with a person who has authority to receive your personal data. The data is shared based on your consent.

7.9 Google

If you use Google Maps at checkout (for example to look up your address in the address field) or the Klarna App, Google processes your data in accordance with Google Maps'/Google Earth's terms of service and privacy policy. When you use the Klarna App via a web browser, Google also collects your device information through the reCAPTCHA service implemented in the web browser. Sometimes this happens in combination with information you enter in the reCAPTCHA service. Google processes this information in line with it own privacy policy . Klarna processes this data on the basis of its legitimate interest for the benefit of its business operations, as the reCAPTCHA service prevents misuse of our services.

7.10 Authorities

Klarna may disclose necessary information to authorities such as the police, tax authorities or other authorities if we are legally obliged to do so, or under certain circumstances if you have requested us to do so or if this is required for applying tax deductions. An example of a legally required disclosure is to combat money laundering or to combat the financing of terrorism.

7.11 Logistics companies

Klarna may share your information with logistics companies that deliver the goods you ordered, if you have chosen to track the packages. Examples of information we share include contact information and personal information and tracking number. Please note that the logistics companies process your data in accordance with their own privacy statements.

7.12 Partners within the Personal Finance Service and the Offers and Benefits Program

Klarna may share your information when selling unpaid debts or when instructing third parties to collect, for example collection agencies. Sharing personal data then takes place on the basis of a legitimate interest in collecting and selling debts. The collection agencies process your data in accordance with their own privacy statements or as a processor of Klarna. The debt collectors may also share information about your unpaid debt with commercial reporting agencies, which could affect your creditworthiness and ability to obtain credit in the future.

7.13 Collection agencies and other buyers of receivables

Klarna may share your information when selling unpaid debts or when instructing debt collection to third parties, for example to collection agencies. Sharing personal data then takes place on the basis of a legitimate interest in collecting and selling debts. The collection agencies or other debt buyers process your data in accordance with their own privacy statements or as a processor of Klarna. The collection agencies or other debt buyers may also share information about your unpaid debt with commercial reporting agencies, which may affect your creditworthiness and ability to obtain credit in the future.

7.14 Affiliate Networks

Klarna may share information about the fact that you have clicked on a sponsored link (ie links that promote products or services from stores) with so-called "affiliate networks". This information is shared when you click on a sponsored link, which redirects you to the store's website through its "affiliate network." The affiliate network may place a tracking technology on your device that records that you have clicked on a sponsored link through one of Klarna's applications, so that your visit to a store can be tracked to calculate a potential commission for Klarna. The affiliated networks may process your personal data in accordance with their own privacy statements.

7.15 Divestment

In the event that Klarna sells or buys receivables, businesses or assets, Klarna may share your personal data with the prospective seller or buyer of such receivables, businesses or assets.
If Klarna substantially all of its assets are acquired by a third party, personal information about Klarna's customers could be shared.

8. Where do we process your personal data?

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

We ensure that an adequate level of protection is maintained and that correct processing of personal data is adequately guaranteed in accordance with applicable data protection legislation, such as the GDPR, when we process your data outside the EU/EEA. These guarantees consist in the third country or state in question being subject to a decision by the European Commission to declare the level of protection adequate or to implement the European Commission's standard contractual clauses.

9. How long do we process your personal data?

We will process your personal data for the period necessary for certain purposes of our processing. These purposes are described in this privacy statement. This means that even if we stop processing your personal data for one purpose, we will keep your personal data if it still needs to be processed for another purpose, and we will only use it for that other purpose. In particular:

As long as you like ours Conditions for using Klarna Services have accepted, until you terminate these terms (by contacting us or instructing us to delete data through, for example, a data erasure request), we will process the personal data we need to provide the Services to offer you, including, but not limited to, data relating to your previous purchases.
We process personal data included in credit assessments for the purpose of new credit assessments for a period of 90 days from the date the request is made.
We process personal data relating to debt for the purpose of new credit assessments for a period of three (3) years after closing the debt - through payment of the debt, the debt being written off by Klarna or the sale of the debt by Klarna.
We process recordings of telephone calls for a period of 90 days after the recording date for quality purposes.
We process personal data for the purpose of complying with applicable legislation, such as consumer rights, banking regulations, anti-money laundering and accounting. Depending on applicable law, your personal data may be retained for up to ten years after the end of the customer relationship.

10. Your rights regarding personal data

Right to information. You have the right to be informed about how we process your information. We do this by means of this privacy statement, other information on our website and by answering questions that are asked to us.
Right of access. You can request a copy of your data if you want to know which personal data we process about you. This copy of your personal data may also be provided in a machine-readable format (i.e. "data portability").
Right to rectification. You have the right to correct incorrect or incomplete information about yourself.
Right to be forgotten. You have the right to request the deletion of your personal data, for example when they are no longer necessary for the purpose for which they were collected, or when you have withdrawn your consent. As described in more detail above in sections 3 and 9, we are also subject to certain legal obligations that prevent us from immediately deleting some data.
Right to restriction of processing or right to object to processing . If you believe that your information is incorrect or that we are using your data unlawfully, you have the right to ask us to stop processing. You can also object to our processing if you believe that there are circumstances that make the processing unlawful. Furthermore, you can always object to our use of your data for direct marketing.
Right to object to a automated decision . You have the right to object to an automated decision made by Klarna. See section 6 for more information about how Klarna uses automated decision-making.
Right to withdraw consent. As described in paragraph 5, you may withdraw your consent at any time when explicit consent is the basis for the processing of your data.
Right to lodge a complaint with a supervisory authority. You have the right to file a complaint with your national data protection supervisory authority or the Swedish Data Protection Supervisory Authority (Integritetsskyddsmyndigheten). Complaints to the Swedish Data Protection Authority can be filed via this link: https://www.datainspektionen.se/other-lang/in-english/.
Control over the settings of the services in the Klarna App. In the Klarna App you have the option to adjust the settings, for example whether you want to receive notifications or personalized marketing. We will always respect your choice.

11. What about cookies and other tracking technologies?

To deliver a customized and smooth experience, we use cookies and similar tracking technologies in our online applications, such as our website, the Klarna App and the checkouts of stores that partner with Klarna. You can find out more about the tracking technologies we use and accept or reject the relevant tracking technologies in the relevant application.

12. Updates to this privacy statement

We are constantly working to improve our service offering, so that you get an even better user experience. This includes both changes to existing Services and the introduction of new Services. It is therefore important that you read this privacy statement every time you use a Klarna Service, as the processing of your personal data may have changed since you last used one of our Services.

13. Contact details.

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

Klarna has a data protection officer and a team of data protection specialists who work exclusively with data protection and privacy. We also have a dedicated team within our customer service dedicated to data protection. You can always reach them via dataprotectie@klarna.nl.

Klarna Bank AB (publ) is subject to Swedish data protection law. Visit www.klarna.com for more information about Klarna.

Last updated on January 4, 2021.

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