We at Klarna care about your privacy. Therefore, we always collect and process personal information responsibly and with your privacy in mind. This Privacy Notice describes how we collect and use your personal data when you use Klarna’s services (the “Services”) and become a Klarna User. It also describes your rights and how to exercise them.
In this Privacy Notice we describe the processing of personal data in all of our Services. Therefore, it is important that you read the content before you start using any of the Services, and this is especially important regarding the sections that deals with the Services you plan to use.
Some of our Services are delivered under other Klarna brands such as Wavy and SOFORT, and have separate privacy notices.
Information you give us. You may give us information about yourself when you use one of Klarna’s Services, choose to pay with one of Klarna’s payment methods, contact us or use our customer portal (“User Portal”). Depending on what Service you choose to use this information may be:
You may at any time change your profile information such as your contact information and other editable settings. Depending on country, this can be either in the User Portal or by contacting us.
Information we collect about you. When you use one of our Services we may - depending on which Service you choose to use - collect the following information:
Klarna processes personal data for the following purposes and based on the following legal bases:
|
Purpose of the processing |
Legal basis for the processing |
||
|
To deliver the Klarna User experience
|
Fulfil contractual obligations |
||
|
Fulfil contractual obligations and comply with laws | ||
|
To administer your payment and the customer relationship, i.e. to carry out our obligations arising from contracts entered into between you and us or the store and to provide you with the information, offerings and Services requested by you. |
Fulfil contractual obligations and pursue legitimate interests |
||
|
To send information to you in electronic format (non-marketing). |
Fulfil contractual obligations, comply with laws and pursue legitimate interests |
||
|
To assess which payment options and other Services to offer you, for example by carrying out internal and external credit assessments. |
Fulfil contractual obligations and comply with laws |
||
|
For internal troubleshooting, data analysis, testing, research, and statistical purposes. |
Pursue legitimate interests |
||
|
To ensure that content is presented in the most effective manner for you and for your device. |
Fulfil contractual obligations |
||
|
To prevent misuse of Klarna’s Services as part of our efforts to keep our Services safe and secure. |
Fulfil contractual obligations, comply with laws and pursue legitimate interests |
||
|
To carry out risk analysis, fraud prevention and risk management. |
Comply with laws and pursue legitimate interests |
||
|
To improve our Services and for general business development purposes, such as improving credit risk models in order to e.g. minimize fraud, develop new products and features and explore new business opportunities. |
Pursue legitimate interests |
||
|
To comply with applicable laws, such as anti-money laundering and bookkeeping laws and regulatory capital adequacy requirements. |
Comply with laws |
The Klarna User Experience.
To be able to deliver the smoooth Klarna User experience, our data processing has been categorized in a number of features. You can learn more about these features in the terms for the feature in question.
Prefill of your contact information.
Prefill of your contact information can be done in two ways – through your interaction and through cookie.
Prefill through your interaction.
While using the Services, we may ask for your personal and contact details, such as name, address, telephone number, email, birth date or personal identification number. We will keep this information in our systems and when you return to us you will only need to provide basic personal information and contact details such as phone number, email, zip-code, or national ID number (dependent on the country) in order for us to prefill the remaining fields with your other details.
Prefill through cookie
An additional method of prefilling your contact information is by recognising your device (computer, tablet, mobile phone, etc.) through a cookie we have placed on it. In the cookie we have stored your details from previous interactions with Klarna. All of this information is on your device. For more information on our use of cookies see our Cookie Statement.
Deactivation of prefill.
You can at any time choose to deactivate the prefill by unticking the “remember me” checkbox or contacting us at datenschutz@klarna.de.
Offers and benefits.
To be able to offer you, if you become a Klarna User, offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways, we look at your previous actions such as number of purchases, purchase amounts, or usage of Klarna Services.
The purpose with this processing is to administer Klarna’s offers and benefits program and assess your purchases so that we will be able to provide you with relevant offers and benefits. The information will form basis for Klarna’s marketing and customer analysis, business and method development, as well as statistics.
Profiling and automated decision making.
“Profiling” means automated processing of personal data to evaluate certain personal aspects relating to you to for example analyse or predict aspects of your economic situation or your preferences. We profile the data we have on you to decide what marketing content that would be interesting to you (and you can of course always object to such marketing). To effectively and responsibly handle credit applications, we also profile your data if you apply for a credit.
“Automated decision making” means that we offer certain services such as granting you credit solely based on automatic means, without any interaction from any of our employees. By making this automated we increase objectivity and transparency when offering those services. These decisions are based on your purchase history and earlier payments to us, together with information about you received from credit reference. You always have the right to challenge an automated decision and get a Klarna employee to look at your case.
Within the offers and benefits program Klarna, and Klarna’s business partners on Klarna’s behalf, may use this information in postal services, text messages, email, social media and other digital channels to communicate with you for delivering offers and benefits.
Klarna and its business partners will not use any direct marketing channel for this purpose (e.g. email or text-messages) if you have opted out from direct marketing (or if you have not opted in if that is legally required in your market).
User Portal.
If you use Klarna’s web and mobile app, additional data will be processed to provide the services offered within the User Portal.
Personalized articles and ads: you will be able to see personalized articles and ads based on your previous purchases.
Personalized Klarna overview: an overview may be displayed, where you can view the status of your Klarna purchases and view your purchase history, as well as being able to access refunds, and settle and extend payment terms.
Delivery and parcel tracking: in the User Portal you may in some cases be able to track the route of your parcel, in which Klarna will process your tracking information.
Your connected bank accounts: the personal finance management service offers you the benefit of getting an overview of not only Klarna transactions, but to also connect external bank accounts. If you connect to this service, we will process information about your external bank account such as account number, bank, historical purchases on the account and funds available.
Credit services: for some of your previous purchases, we may offer you credit, based on those purchases, for which Klarna will review your connected external bank data.
In-app shopping: shopping through the User Portal is a way of using Klarna’s payment methods in almost any store. While doing so, Klarna will forward the information you provided to the store you shop from, in order to finalize your purchase. In some cases (if the store so requires), Klarna will also ask you to fill in your log-in information for that particular store, information that will then be processed by Klarna to carry out the purchase.
Customer care: When you use our care services through the User Portal we will have access to the information you provide.
Communicate with you.
Klarna may also use your data to communicate relevant information regarding used or similar services, and to conduct customer satisfaction surveys regarding our services (for example after you have contacted Klarna’s customer service) via email, sms, phone, or through other means.
Klarna may also send promotional communications to you concerning the Services.
You can object to this use at any time. You will also be informed about your right to object (opt-out) every time your email or phone number is used for this purpose.
We take all reasonable contractual, legal, technical, and organisational measures to ensure that your data is treated securely and with an adequate level of protection when transferred to or shared selected third parties as described below.
Suppliers and subcontractors.
Klarna may transfer parts of your personal data to suppliers and subcontractors for the performance of our contractual obligations with you and for the other purposes described in this Privacy Notice. Before we engage a supplier or subcontractor, we make sure they meet our high privacy standards.
Stores. Klarna share parts of your data with the store you visit or make a purchase from. This to enable for the store to handle and administer your purchase and your relationship with the store, send you the goods, manage disputes, and to profile[AP2] its customers into categories such as age groups or gender but also to prevent fraud. The personal data shared with a store will be subject to the store’s privacy policies and practices.
Credit reference agencies and similar providers.
Your personal data may be shared with credit reference agencies, providers of identity lookups and fraud prevention agencies to assess your credit score upon applying for one of Klarna's payment methods, for confirming your identity and address information and protect you and other customers from fraud. Payment behavior may be reported back to the credit reference agency. Depending on the market, 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. The credit reference agencies, providers of identity lookups and fraud prevention agencies we use are listed here.
Klarna group.
Your information may be shared with companies within the Klarna group.
In particular BillPay GmbH, Zinnowitzer Str. 1, D-10115 Berlin, registered at Amtsgericht Charlottenburg, HRB 122 029 B, Germany, ("BillPay“) may be involved in the credit checks as described above. To a limited extent, results of such credit checks may be shared with BillPay with a view to increasing their accuracy and may be processed by BillPay for their own future credit checks. At the same time, credit checks and transactional decisions based on such checks may - in some instances - be carried out by BillPay entirely.
Authorities.
Klarna may disclose necessary information to authorities such as the police, tax agencies or other authorities if we are required by law or you agreed to it. An example of legally required disclosure is for purposes of anti-money laundry or to counter-terrorist financing.
Logistics and transportation companies.
Logistics and transportation companies that deliver the goods you have ordered (only valid for users of the web and mobile apps).
Debt Collection Agencies.
Klarna may also share information when selling unpaid debts to third parties, e.g. to debt collection agencies.
Divestment.
Before any divestment disclosure takes place, Klarna will make sure adequate confidentiality obligations are in place.
We always strive to process your data within the EU/EEA. The data may however in certain situations be transferred to, and processed in, a destination outside of the EU/EEA by a Klarna Group company or by a supplier or subcontractor. As Klarna is committed to always protecting your data, Klarna will take all reasonable contractual, legal, technical, and organisational measures to ensure that your data is treated securely and with an adequate level of protection compared to and in line with at least the level of protection offered within the EU/EEA.
We process your data as needed to fulfil our contractual fulfilment towards you and as required by statutory retention periods or necessary to pursue our legitimate interests. Where we keep your data for purposes beyond those of our contractual fulfilment, such as for anti-money laundering, book keeping and regulatory capital adequacy requirements, we keep the data only as long as permitted to pursue legitimate interests and as necessary and/or mandated by law for the respective purpose.
For some specific features Klarna have provided you with a possibility to opt out. We will always respect your individual choice.
We use cookies and similar technologies to deliver a tailored and smoooth online experience. For detailed information about how Klarna uses cookies and similar, please read our Cookie Statement.
We constantly work to improve our offerings in order for you to get an even smooother user experience. This includes both changes in existing services and new services over time. Because of that, it is important that you read this Privacy Notice each time you use a Klarna Service since the processing of personal data can differ from the last time.
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. Because we take data protection so seriously, we also have a special team of customer service specialists for data protection matters. You can always reach us at datenschutz@klarna.de.
Klarna Bank AB (publ) is the responsible entity (controller) for the processing of your personal data as described above. Klarna Bank AB (publ) is subject to Swedish data protection legislation. Visit www.klarna.com for further information on Klarna.
Last updated 29 May 2018.