Klarna Privacy Policy

It is important to us that you feel safe when you pay with Klarna or use any of our other services. Therefore, we are providing all the information about how we use your personal data in this privacy notice.

In order for you to easily find the sections that interest you, we have divided the notice into a number of headings. To go directly to a section, just click on the heading in question in the list below.

1. Who is responsible for your personal data?

Klarna Bank AB (publ), registered with the Swedish Companies Registration Office under company number 556737-0431 and with registered office at Sveavägen 46, 111 34 Stockholm, also active through its UK branch, registration number BR020956, located at 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom (“Klarna”, “we”, “our” or “us”), is the data controller in accordance with the UK data protection laws (such as EU Regulation 2016/679 as incorporated and amended into UK domestic law (the “UK GDPR”) and the Data Protection Act 2018. If you have any questions regarding the processing of your personal data, please contact our data protection team by writing to privacy@klarna.co.uk.

2. Your rights in respect of your personal data

The right to obtain information. You have the right to obtain information about how we process your personal data. We do this through this privacy notice, by information on our website, and by answering your questions.
Right to access your data. You may request a copy of your personal data if you want to know what information we possess about you.
Right to data portability. You may request a copy of the personal data concerning you that we process for the performance of a contract with you, or based on your consent, in a machine-readable format.
Right to rectification. You have the right to rectify inaccurate information about yourself, and to make additions to incomplete information.
Right to have your information erased. You have the right to request that your personal data be erased. This applies to information that is no longer necessary to process for the purpose(s) for which it was originally collected, or if you revoke your consent. It is however important to know that the right to have your information erased is not absolute. Klarna is obligated to retain certain information even if you request us to erase it. These obligations to retain information are described in more detail in sections 4 and 9. These laws prevent us from immediately erasing certain information.
Right to restrict processing. If you believe that the data is inaccurate, that our processing is unlawful or that we do not need the information for a specific purpose, you may request that we restrict the processing of your personal data. You may also request a restriction while you are waiting for our assessment to see if our interest in processing your data outweighs your right not to have this data processed.
Right to oppose the processing of your personal data or to object to our processing. You may object to our processing of your personal data based on our legitimate interest (Article 6(1)(f) GDPR), with reference to your personal circumstances. Furthermore, you may always object to our use of your personal data for marketing purposes.
Right to object to an automated decision that significantly affects you. You have the right to object to an automated decision made by Klarna if this decision entails legal consequences or constitutes a decision that affects you significantly in a similar way. See section 6 on how Klarna makes use of automated decisions.
Right to withdraw one’s consent. As described in section 5, in cases where we process your personal data based on your consent, whether implicit or explicit, you have the right to revoke your consent at any time. This means that we will cease the processing, but it does not affect the processing that we have already performed.
Right to lodge a complaint. You have the right to lodge a complaint with your supervisory data protection authority (the Information Commissioner), which can be reached using this link: https://ico.org.uk/.

If you wish to exercise one or more of your rights, you may do so by sending an email to privacy@klarna.co.uk stating which rights you wish to exercise. You may also request access to your personal data, or to have your personal data deleted, using the contact information in section 12.

Settings in the Klarna mobile application: In the Klarna mobile application, Klarna provides you with the functionality to tailor your preferences for certain services, such as current notifications or autofill of your information at purchase. We will always respect your choices.

3. What kind of personal data do we collect?

In this section, we describe the categories of personal data that we use. In section 4, we describe how we use and how we process these categories of personal data, i.e. how the data are used.

Contact and identification data - Name, date of birth, social security number, title, occupation, gender, billing and delivery address, e-mail address, mobile phone number, nationality, age, income data, employment and employment history, audio recordings, photos and video recordings of you and your ID card etc.
Information about goods/services - Details concerning the goods/services you have bought or ordered, such as type of item or delivery tracking number.
Information about your financial standing - Information about, for example, your income, any credits, negative payment history and previous credit approvals.
Payment information - Credit and debit card details (card number, expiry date and CVV code), bank account number, bank name.
Information about your use of Klarna’s services - Which service(s) and what different functions in these services you have used and how you have used them. This includes information about outstanding and historical debt, your repayment history, and your personal preferences.
Technical information generated through your use of Klarna’s services - Technical data such as response time for web pages, download errors and date and time when you used the service.
Information about your contacts with Klarna’s customer service - Recorded phone calls, chat conversations and email correspondence.
Your contacts with the stores you shop at or visit - Information about how you interact with stores, such as whether you have received goods and the type of store you shop at.
Device information - IP address, language settings, browser settings, time zone, operating system, platform, screen resolution and similar information about your device settings.
Information from external sanction lists and PEP lists - Sanction lists and lists of persons constituting politically exposed persons (“PEP”) include information such as name, date of birth, place of birth, occupation or position, and the reason why the person is on the list in question.
Sensitive personal data - Sensitive personal data is data that reveals religious beliefs, political or philosophical views, trade union membership, or constitutes information about health, sex life or sexual orientation as well as biometric data.
Service-specific personal data - Within the framework of our services through the Klarna mobile application and browser extension, Klarna’s savings and payment accounts, Email Connect, Personal Finance and event registrations, we use additional personal data that are not covered by the categories listed above. Information regarding each service is listed here:
- The Klarna mobile application and browser extension: All content you upload (such as photos or receipts), location information and the websites you visit in the application’s browser, or with the extension installed;
- Klarna’s savings and payment accounts: Information about your transactions and deposits and information about where your money comes from. Klarna will also process data about third parties (such as payees or payers) for this service;
- Email Connect: Information from the connected e-mail account about your completed purchases, product, price and quantity information, delivery tracking numbers and information about stores that we pass on to the Klarna mobile application;
- Personal Finance: Information from your other bank accounts and other types of accounts (such as card accounts) that you choose to connect to the service, as well as information such as account number, bank, historical transactions from your connected accounts and balances and assets; and
- Event registration on social media: Information about your profile from your social media account and business information such as your employer’s name, address and type of company.

4. What personal data are used for what purposes and with which legal basis?

To make it easier for you, we have described why we will process your personal data (the purpose) and which categories of personal data we use for that purpose in the tables below. In section 3, you will see which data points are included in each category of personal data. In the tables, we also describe what legal rights we have under current data protection legislation, such as the GDPR, to process the data about you, referred to as our “legal basis.” In the tables, we also describe when Klarna stops using the personal data for each purpose. Finally, we describe whether it is data that we receive from you, or if it is information that Klarna receives from another source. If we receive data from another source, that source is indicated between brackets.

4.1 The following are the purposes for which your personal data is always used by Klarna, regardless of the service you use.

4.2 Purposes for which your personal data is used when you use one of Klarna’s payment methods, log in with Klarna at a store, or choose to pay by debit or credit card in Klarna’s check-out at a store.

4.3 Purposes for which your personal data is used when you use one of Klarna’s payment methods involving the provision of credit or when you use the Klarna card or the one-time card.

The following services entail the provision of credit to you: “Pay later” (invoice), “Pay now” (for payment by direct debit), “Financing” (pay in instalments), as well as the Klarna card and the one-time card (both of which are offered in the Klarna mobile application).

4.4 Use of your personal data and information to give you access to the Klarna account service (savings and payment accounts).

4.5 Processing of your personal data when you use Klarna’s shopping service

When you use Klarna’s Shopping Service, Klarna will process your personal data for the purposes described in the table below. The terms of the Shopping Service and the description of the features included in the shopping service are available here.

4.6 Additional services you can access via the Klarna mobile application or through Klarna’s browser extension

4.7 Offers and invitations to events posted on social media, and when you contact us through social media

4.8 Klarna’s processing when you contact Klarna’s customer service

5. How do you withdraw your consent?

When Klarna uses your personal data based on your consent, you can withdraw your consent at any time. You can do this by sending an e-mail to privacy@klarna.co.uk or via the contact information you find in section 12.

You can also delete uploaded information from the Klarna mobile application, or end the service where personal data are processed. We will then delete the information. If you withdraw your consent or delete the uploaded information, you may be unable to use the service in cases where Klarna’s processing of personal data takes place based on your consent.

6. Klarna’s profiling and automated decisions that significantly affect you

6.1 Klarna’s profiling of you as a customer.

“Profiling” means an automated processing of personal data to evaluate certain personal matters, for example, by analysing or predicting your personal preferences, such as buying interests. At the same time, we compare your data with what our other customers, with similar use of our services, have preferred.

The purpose of Klarna’s profiling and the personal data categories used for each occasion and for each profiling are described in detail in section 3. The profiling for these purposes does not have a significant impact on you as a customer.

We use profiling for the following purposes:

to deliver our customised services, which customise their content based on what we think is most interesting to you (this applies to the Klarna mobile application, its various functions, and the order different payment methods appear at Klarna’s checkout), and
to deliver customised marketing to you.

If you have any questions about how the profiling process works, please contact us. Contact information is available in section 12. You may object to our marketing profiling at any time by contacting us (and we will then cease profiling for marketing purposes). You may also end our profiling for our services by terminating the service.

6.2 Klarna’s automated decisions that significantly affect you.

Automated decisions with legal consequences, or automated decisions that similarly significantly affect you, means that certain decisions in our services are completely automated, without our employees being involved. These decisions have a significant effect on you as a customer, comparable to legal consequences. By making such decisions automatically, Klarna increases its objectivity and transparency in the decision to offer you these services. At the same time, you have the right to object to these decisions at all times. Further on in this section, you will find a description of how to object to these decisions.

Automated decisions that significantly affect you also mean that profiling is performed based on your data before the decision is made. This profiling is made to assess your financial situation (before the decision to grant credit) or to identify whether your use of our services involves a risk of fraud or money laundering. We profile your user behaviour and financial standing and compare this data with behaviours and conditions that indicate different risk levels for us.

We make this kind of automated decision when we:

decide to approve your application to use a credit service.
decide not to approve your application to use a credit service.
These automated credit decisions are based on the data you provide, data from external sources such as credit bureaus and Klarna’s own internal information. In addition to information about you, Klarna’s credit model includes a large number of other factors, such as Klarna’s internal credit risk levels and our customers’ general repayment rates (based on, for example, the current product category).
decide whether you pose a risk of fraud, if our processing shows that your behaviour indicates possible fraudulent conduct, that your behaviour is not consistent with previous use of our services, or that you have attempted to conceal your true identity. Automated decisions whereby we assess whether you constitute a fraud risk are based on information you have provided yourself, data from fraud prevention agencies (see section 7.2.3. for details of which ones we use), and Klarna’s own internal information.
decide whether there is a risk of money laundering, if our processing shows that your behaviour indicates money laundering. In relevant cases, Klarna also investigates whether specific customers are listed on sanction lists.

The personal data categories used in each decision are described in section 3. See section 7 for more information about whom we share information with as regards profiling during automated decisions.

If you are not approved under the automated decisions described above, you will not have access to Klarna’s services, such as our payment methods. Klarna has several safety mechanisms to ensure the decisions are appropriate. These mechanisms include ongoing overviews of our decision models and random sampling in individual cases. If you have any concern about the outcome, you can contact us, and we will determine whether the procedure was performed appropriately. You can also object in accordance with the following instructions.

Your right to object to these automated decisions

You always have the right to object to an automated decision with legal consequences or decisions which can otherwise significantly affect you (together with the relevant profiling) by sending an e-mail message to privacy@klarna.co.uk. A Klarna employee will then review the decision, taking into account any additional information and circumstances that you provide to us.

7. Who do we share your personal data with?

When we share your personal data, we ensure that the recipient processes it in accordance with this notice, e.g. by entering into data transfer agreements or data processor agreements with the recipients. Those agreements include all reasonable contractual, legal, technical and organizational measures to ensure that your information is processed with an adequate level of protection and in accordance with applicable law.

7.1 Categories of recipients with whom Klarna will always share your personal information, regardless of the service you use.

7.1.1 SUPPLIERS AND SUBCONTRACTORS.

Description of the recipient: Suppliers and subcontractors are companies that only have the right to process the personal data they receive from Klarna on behalf of Klarna, i.e. data processors. Examples of such suppliers and subcontractors are software and data storage providers, payment service providers and business consultants.

Purpose and legal basis: Klarna needs access to services and functionality from other companies where it cannot perform them itself. Klarna has a legitimate interest in being able to access these services and functionality (Article 6(1)(f) UK GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.1.2 KLARNA GROUP.

Description of the recipient: Companies in the Klarna Group.

Purpose and legal basis: This is required for Klarna to be able to provide you with services and functionality. Klarna has a legitimate interest in being able to access these services and functionality (Article 6(1)(f) UK GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.1.3 A PERSON WHO HOLDS A POWER OF ATTORNEY FOR YOUR FINANCIAL AFFAIRS.

Description of the recipient: Klarna may share your personal information with a person who has the right to access it under a power of attorney.

Purpose and legal basis: This processing is carried out to facilitate your contact with us (through agents), and takes place based on your consent (Article 6(1)(a) UK GDPR).

7.1.4 AUTHORITIES.

Description of the recipient: Klarna may provide necessary information to authorities such as the police, financial authorities, tax authorities or other authorities and courts of law.

Purpose and legal basis: Personal data is shared with the authority when we are required by law to do so, or in some cases if you have asked us to do so, or if required to manage tax deductions or counter crime. An example of a legal obligation to provide information is when it is necessary to take measures against money laundering and terrorist financing. Depending on the authority and purpose, the legal bases are the obligation to comply with the law (Article 6(1)(c) UK GDPR), to fulfil the agreement with you (Article 6(1)(b) UK GDPR), or Klarna’s legitimate interest in protecting itself from crime (Article 6(1)(f) UK GDPR).

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

7.1.5 DIVESTMENT OF BUSINESS OR ASSETS.

Description of the recipient: In the event that Klarna sells business or assets, Klarna may hand over your personal information to a potential buyer of such business or assets. If Klarna or a significant part of Klarna’s assets is acquired by a third party, personal information about Klarna’s customers may also be shared.

Purpose and legal basis: Klarna has a legitimate interest in being able to perform these transactions (Article 6(1)(f) UK GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.2 Categories of recipients with whom Klarna shares your personal information when you use Klarna’s payment methods, log in with Klarna at a store, or choose to pay by debit or credit card in Klarna’s check-out at a store.

7.2.1 STORES.

Description of the recipient: By stores we mean the stores you visit or shop at (which may include the store’s group companies if you have been informed thereof by the store).

Purpose and legal basis: In order for the store to be able to perform and manage your purchase and your relationship with the store or its group companies, e.g. by confirming your identity, sending goods, handling questions and disputes, in order to prevent fraud and, where appropriate, send relevant marketing. The store’s privacy notice applies to the processing of your personal data that has been shared with the store and that the store processes. Normally, you will find a link to the store’s privacy notice on the store’s website. The legal basis for sharing data with stores is partly the performance of a contract (Article 6(1)(b) UK GDPR), insofar as the data sharing takes place to perform the contract between you and the store, and partly based on Klarna’s and the store’s legitimate interest (Article 6(1)(f) UK GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.2.2 PAYMENT SERVICE PROVIDERS AND FINANCIAL INSTITUTIONS.

Description of the recipient: Payment service providers and financial institutions provide services to you, stores and Klarna to implement and administer electronic payments through a variety of payment methods, such as credit cards and bank-based payment methods such as direct debit and bank transfer.

Purpose and legal basis: Some stores use payment service providers with whom they share your information for managing your payment. This sharing takes place in accordance with the stores’ own privacy notices. The store may also let Klarna share your information with the payment service provider they use for processing your payment. Some payment service providers also collect and use your information independently, in accordance with their own privacy notices. This is the case, for example, for electronic wallet suppliers. In addition, Klarna may share your information with other financial institutions when conducting transactions with your account to complete the transactions. Sharing with payment service providers and financial institutions is performed to make a transaction initiated by you and it is done to fulfil the agreement with you (Article 6(1)(b) UK GDPR).

7.2.3 FRAUD PREVENTION AGENCIES AND COMPANIES PROVIDING IDENTITY CHECKS.

Description of the recipient: Your personal data are shared with fraud prevention agencies and companies that provide identity checks.

Purpose and legal basis: Klarna shares your information to verify your identity, the accuracy of the data you have provided, and to combat fraudulent and criminal activities. The companies with which we work are listed here. Please note that these companies may process your data in accordance with their own data privacy notices. Klarna shares your information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) UK GDPR), as the fraud prevention agencies and the companies providing identity checks have information on fraud activities and identity confirmation which are important for Klarna to use as input to decrease its level of fraudulent transactions. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details in section 12 below.

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

7.2.4 Google.

Description of the recipient: When you use Google Maps at checkout (for example, by searching your address in the address bar), your personal information will be shared with Google. Google will process your data in accordance with Google Maps/Google Earths terms of service and privacy policy.

Purpose and legal basis: Klarna shares this information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) UK GDPR), as Google Maps makes it possible to find the address functionality at checkout. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.3 Categories of recipients with whom Klarna shares your data when you use one of Klarna’s payment methods involving the provision of credit or when you use the Klarna card or the one-time card.

7.3.1 CREDIT INFORMATION BUREAUS.

Description of the recipient: If you apply to use a service from Klarna that involves us providing credit (see section 4.3 on which services from Klarna involve credit), we will share your personal data with credit information bureaus. Sharing does not take place in the event of small amounts or where we already have sufficient information.

Purpose and legal basis: Your personal information is shared with credit bureaus in order to assess your creditworthiness in connection with your credit application, to confirm your identity and your contact information, and to protect you and other customers from fraud. This data sharing constitutes a credit report.

If you apply to use a credit Service (see section 4.3 above for a specification of our credit Services), your personal data may be shared with Credit Reference Agencies (“CRAs”) to assess your creditworthiness in connection with your application, to confirm your identity and your contact information, and to protect you and other customers from fraud.

For Pay Later in 30 days or Pay in 3, this sharing constitutes soft credit searches (or “soft credit lookups”) which does not affect your credit file nor credit score. The search is only visible to you and Klarna. In order to perform these credit searches, Klarna will send the CRAs your name, address, date of birth, phone number, as well as bank account number and sort code if relevant, in order to receive the lookups on you.

However, if you apply for one of our Financing products, a hard credit search (or “a hard credit lookup”) is performed in addition to soft searches. This is due to our Financing product constituting a regulated credit product under UK credit legislation. This hard credit search will be recorded on your credit file and may impact your credit score as follows:

The CRA will keep a record of our enquiry against your name and which may be linked to your representatives (“associated records”). For the purposes of any application for Services from us, you may be assessed with reference to “associated records”. Where any search or application is completed, or agreement entered into, involving joint parties, we may record details about this at the CRAs. As a result an “association” will be created that will link your financial records.

Details of which CRA we have used for a specific search are available on request.

In addition, if you open an agreement with one of our Financing products, we will share further information on your agreement with the CRAs. This will occur on a monthly basis until the agreement is closed. This will include details of your outstanding balance, payments made and any default or failure to meet the terms of your agreement. These records will remain on the CRAs’ files for 6 years after our agreement with you is settled or terminated, whether settled by you or, if applicable, your business or by way of default. This and other information about you (or, if applicable, your business and those with whom you are linked financially) may be used to make credit decisions about you in the future.

The ways in which CRAs use and share personal data are explained in more detail at; https://www.transunion.co.uk/crain and https://www.experian.co.uk/crain. The CRAs will process your information in accordance with their own privacy notices and you can find out which ones we cooperate with here.

Klarna shares your information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) UK GDPR), as the credit information bureaus have information on your financial standing which is important for Klarna to use as input to ensure a correct credit assessment, and not grant credit to consumers who is unable to repay it. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.

Klarna retains credit information about you that we have received from a credit information bureaus only in script data format. If you would like to have a readable version, we recommend that you directly contact the credit bureau that informed you that Klarna requested a credit report.

7.3.2 DEBT COLLECTION COMPANIES (FOR DEBTS THAT ARE OVERDUE).

Description of the recipient: Klarna may need to share your information when we sell or outsource collection of unpaid overdue debts through a third party, such as a debt collection company.

Purpose and legal basis: This data is shared to collect your overdue debts. Debt collection companies process personal data in accordance with their own privacy notices, or only on behalf of Klarna in their capacity as Klarna’s data processors. Debt collection companies may report your unpaid debts to credit information bureaus or authorities, which may affect your creditworthiness and your ability to apply for future credit. This data is shared based on our legitimate interest in collecting and selling debt (Article 6(1)(f) UK GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in collecting and selling debts. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.3.3 VISA AND DIGITAL WALLET SUPPLIERS.

Description of the recipient: We share information about you and your purchases when you use the Klarna card with VISA and with members of VISA’s card network. If you also add the Klarna card to your digital wallet, we may need to share your information with the supplier of that wallet. In such case, data will be processed in accordance with that supplier’s privacy notice.

Purpose and legal basis: The sharing takes place to the extent necessary to carry out card transactions, prevent fraud and follow the rules for VISA’s card network. If you renew your Klarna card or receive a new card, we will transfer this information to VISA so that VISA can inform third parties with whom you have previously chosen to save your card information (for example, for recurring transactions). Sharing is performed to fulfil the agreement with you (Article 6(1)(b) UK GDPR).

7.3.4 DEBT ACQUIRERS (FOR OPEN DEBTS).

Description of the recipient: Klarna can transfer your open debt to debt acquirers.

Purpose and legal basis: Upon transfer of your debt to an acquirer and continuously until you pay off the debt, Klarna will share your contact and identification information (name, date of birth, social security number, address, and phone number), information about your financial standing (such as residual credit, repayments and any negative payment history in relation to the current debt), as well as information about the goods or services associated with the debt. The buyer will process your personal data in accordance with its own privacy notice, which you will receive information about when the debt is transferred.

The sharing of personal data with different acquirers is based on our legitimate interest in selling outstanding debts as part of our business operations (Article 6(1)(f) UK GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your personal data processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.4 Categories of recipients when using the Klarna accounts service (savings and payment accounts).

7.4.1 CREDIT INSTITUTIONS AND OTHER FINANCIAL INSTITUTIONS.

Description of the recipient: We share your information with credit institutions and other financial institutions (such as other banks) when you make transactions or payments to other accounts.

Purpose and legal basis: If you have made payments to a Klarna account, Klarna will process the information we receive from the bank you used for the transaction, such as contact and identification data and payment information. If you make transactions or payments to accounts in other banks, Klarna will also pass on some of your contact and identification data as well as payment information to the recipient and also to the recipient’s credit institution or financial institution. Sharing is performed to fulfil the agreement with you (Article 6(1)(b) UK GDPR).

7.5 Categories of recipients with whom Klarna shares your personal information when you use Klarna’s Shopping Service .

7.5.1 AFFILIATE NETWORKS.

Description of the recipient: When you choose to click on a sponsored link in the Klarna mobile application or on our website that links to a store, product or service, you will be redirected to another company’s website through a third party, known as an affiliate network.

Purpose and legal basis: The affiliate network may place tracking technology on your device that contains information about you clicking on that link in the Klarna mobile application, and which is then used to document your visit to the store to calculate a potential commission due to Klarna.

The affiliate network may process your data in accordance with its own privacy notice. The processing is based on a balancing of interests (Article 6(1)(f) UK GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in supplying you with sponsored links in order to market shops in the Klarna mobile application and on our website. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose.

You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.5.2 GOOGLE.

Description of the recipient: When you use the Klarna mobile application through our web portal, Google will collect your device information through Google’s reCAPTCHA service which is implemented there, in some cases together with additional information that you choose to enter into the reCAPTCHA service.

Purpose and legal basis: Klarna processes this information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) UK GDPR), since the reCAPTCHA service prevents misuse of our services (for example by preventing bots from trying to log in). Google will process this information in accordance with its terms of service and privacy policy. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose.

You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.5.3 PARTNERS WITHIN THE FRAMEWORK OF THE PERSONAL FINANCE SERVICE AND THE OFFER AND BENEFIT PROGRAM.

Description of the recipient: Partners within the framework of the Personal Finance service and the offer and benefit program.

Purpose and legal basis: If you choose to take advantage of Klarna’s offers and benefits within the framework of the Personal Finance service or the offer and benefits program, Klarna will share the personal information required for you to take advantage of the offer with our business partners (which includes the fact that you are a Klarna customer). Each offer specifies the data that will be shared. Data is shared to perform the agreement between yourself and Klarna (Article 6(1)(b) UK GDPR).

7.5.4 LOGISTICS AND TRANSPORT COMPANIES.

Description of the recipient: Logistics and transport companies.

Purpose and legal basis: Klarna will share your personal information with logistics and transport companies that deliver the goods you order if you have signed up for parcel tracking. Examples of information we share are contact and identification data and tracking numbers.

Logistics and transport companies process your data in accordance with their own privacy notices. Sharing is performed to fulfil the agreement between you and Klarna (Article 6(1)(b) UK GDPR).

7.6 Categories of recipients with which Klarna shares your personal information if you contact our customer service through social media.

7.6.1 SOCIAL MEDIA.

Description of the recipient: Social media companies such as Facebook, Instagram or Twitter.

Purpose and legal basis: If you contact us via social media such as Facebook or Twitter, your personal data will also be collected and processed by these companies, in accordance with their privacy notices. Sharing is performed to fulfil the agreement with you (Article 6(1)(b) UK GDPR).

8. Where do we process your personal data?

Your personal data may be transferred to, and processed in, a destination outside of the UK for example when we use a supplier or subcontractor located outside of the UK. If the store where you shop is located outside the UK, our sharing of your personal data with the store will also mean that your data is transferred outside of the UK.

We ensure that an adequate level of protection is maintained, and that suitable safeguards are adopted in line with applicable UK data protection legislation requirements, such as the UK GDPR, when we transfer your data outside of the UK. These safeguards consist of ensuring that the third country or state at hand is subject to an adequacy decision by UK authorities or by implementing so-called standard contractual clauses originating from the European Commission.

9. How long we store your personal data

Klarna stores your personal data in accordance with current laws, such as money laundering and accounting law (normally 5 years and 7 years, respectively). In addition, we only store your personal data for as long as needed to fulfil the respective purpose of our processing (more information can be found in the table in section 3).

Personal data that is important for the contractual relationship between you and Klarna is normally stored for as long as the contractual relationship lasts and thereafter for a maximum of 10 years based on statutes of limitations.

We process the recordings of telephone conversations for a time period of 90 days for quality assurance purposes, but may keep the recordings for up to two years for fraud investigation purposes. We may also retain recordings of outbound calls for up to two years, in order to document what has been decided on the call.

In some cases, the information may need to be stored for a longer period due to capital adequacy laws that Klarna must comply with. If you do not enter into an agreement with us, the personal data are normally stored for a maximum of 3 months, but the data may in some cases have to be stored longer, for example, due to money laundering laws, or to protect Klarna from legal claims and to safeguard Klarna’s legal rights.

10. How we use cookies and other types of tracking technology

To provide a tailored and smoooth experience, Klarna uses cookies and similar tracking technologies in our multiple interfaces, such as our website, the Klarna mobile application and at the checkout of a store that uses Klarna. You can find information about the tracking technology that Klarna uses, and information about how you accept or decline the tracking technology, in each interface.

11. Updates to this privacy notice

We are constantly working to improve our services so that you have a smoooth user experience. This may involve modifications of existing and future services. If that improvement requires a notice or consent in accordance with applicable law, you will be notified or given the opportunity to give your consent. It is also important that you read this privacy notice every time you use any of our services, as the processing of your personal data may differ from your previous use of the service in question.

12. Klarna contact information

Klarna Bank AB (UK branch) located at 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom.

Klarna has a data protection officer and a team of data protection specialists. We also have a customer service team that handles data protection issues. You can reach all of these individuals at privacy@klarna.co.uk. If you specifically wish to contact Klarna’s data protection officer, enter this on the subject line.

Klarna Bank AB (UK branch) complies with UK data protection laws. Please visit www.klarna.com/uk for more information about Klarna.

13. Acquisition of Close Brothers Retail Finance

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

The personal data acquired will be processed in line with the privacy notice, in force at the time of the acquisition, and in line with applicable data protection laws. Please note that you have the rights stipulated in this Privacy Notice also for this data, for example the right to access (See Section 12). The privacy notice, in force at the time of the acquisition may be found here.

This privacy notice was last updated on 19 October 2021.

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