Interest-free Finance

Terms and Conditions.

Please note that terms and conditions can differ between e-stores. For complete and updated terms and conditions, please contact respective e-stores.

Klarna Services Terms

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

Description of the Services

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

 

1. Autofill and preferences

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

 

Autofill of your contact information

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

Autofill through input of limited information

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

 

Autofill through a Klarna cookie

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

For more information on our use of cookies see our Privacy Notice.

 

Disable autofill

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

 

Autofill of other information

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

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

 

Preselected preferred payment methods

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

 

2. Klarna App

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

Features:

  • View your Klarna purchases and transactions
  • Manage your payments
  • Easy interaction with Klarna

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

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

 

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

 

You may only upload, publish or share content which you have the right to use for these purposes, and which do not violate law, this Agreement or third party rights.

 

You agree to not upload, publish or share content which is unlawful, fraudulent, abusive, threatening, violate the rights of others, offensive or criminal (such as agitation against ethnical groups, child pornography or unlawful depictions of violence).    

 

Klarna reserves the right, without obligation, to monitor, review, adjust, inactivate or remove content, without notifying you or a third party, in our sole discretion.

 

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

3. Show historical purchases and transactions

We save information about your purchases and transactions in the Klarna App. As a part of the Services provided under these terms, Klarna enables you to see information about your purchases and transactions in the Klarna App. 

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

4. Offers and benefits
 

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

Are there any costs for the Services?

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

Improvement of the Services

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

Privacy and your personal data
 

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

 

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

 

Your obligations

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

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

 

Third party services

Some features used by you, for example parcel tracking, may include services provided by a third party. Logistic companies’ tracking functions is an example of this. When you use features which are relying on third party services you authorize Klarna to utilize those services on your behalf.

 

Your use of Google Maps in the Klarna App is subject to the then-current Google Maps/Google Earth's Terms of Service and Privacy Policy.

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

Duration and termination of this agreement

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

 

Klarna

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

 

Complaints

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

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

Last updated May 17, 2020

Privacy Notice

Klarna’s Privacy Notice

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

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

Some of our Services will provide you access to content and functionality offered by other companies or organizations than Klarna (“Third Party Services”). This is for example the case when we link to third party sites from our websites, and when you access third party sites while using the web browser in the Klarna App. This Privacy Notice does not apply to the collection and use of your personal data in Third Party Services, and Klarna is not responsible for such third parties’ processing of your personal data.
 

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

1. Other Klarna privacy notices

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

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

2. What information do we use?

2.1 Information you give us 

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

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

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

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

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

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

 

2.2 Information we collect about you 

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

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

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

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

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

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

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

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

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

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

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

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

Processing in order to provide the Services

Purpose of the processing

Personal data

Legal basis for the processing

Administer the customer relationship with you in different ways, for example to process your payment or carry out our obligations arising from credit contracts entered into between you and us.


 

Contact- and identification information, payment information, information on goods/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.

Fulfil contractual obligations.

Create and send information to you in electronic format (non-marketing).

Contact- and identification information, payment information, information on goods/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.

Fulfil contractual obligations.

Assess which is the most suitable way to contact you to inform you about outstanding debts.

Contact- and identification information, financial information (if we have this available) and information about the interaction between you and Klarna.

Klarna has a legitimate interest in being able to contact you in the most effective way. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

Assess in which order different payment methods should be presented to you in the checkout of a store that uses Klarna. This processing and presentation do not, however, affect which payment methods are available to you.

 

You can opt out from this at any time by contacting us using the contact details below.

 

This processing constitutes profiling. Please see Section 6 for more information on profiling.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

If you have accepted the Klarna Services Terms outlined in Section 4.4, the applicable legal basis is to fulfil contractual obligations.

 

However, if you have not accepted those terms, Klarna base this processing on legitimate interest, as Klarna (and you as a customer) have a legitimate interest in having your preferred way of paying presented in a prominent position in the checkout. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

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.

 

You can object to this at any time. You will also be informed about your right to opt-out from these communications every time your email or phone number is used for this purpose.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

Klarna has a legitimate interest in conducting customer satisfaction surveys.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 




 

Carry out credit- and fraud assessments for the purpose of assessing which payment methods to offer you, based on a limited lookup from an external credit reference agency (Please see in Section 7.4 how we cooperate with credit reference agencies).

Contact- and identification information, information on goods/services, financial information (if already internally available), information about the interaction between you and Klarna, and information about the interaction between you and stores, as well as device information. 

Klarna has a legitimate interest in carrying out credit- and fraud assessments for the purpose of assessing which payment methods to offer you.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

Carry out credit assessment before granting credit (Please see Section 4.1 on Klarna’s credit Services and Section 7.4 regarding how we cooperate with credit reference agencies).

Contact- and identification information, financial information and information about the interaction between you and Klarna.

Comply with laws, when the credit we provide is regulated by law. In cases when the credit is not regulated by law, the processing is done to fulfil contractual obligations.

Prevent IT attacks (for example DDoS attacks) toward Klarna’s Services, as part of our efforts to keep our Services safe and secure.

Contact- and identification information, information about the interaction between you and Klarna, information about the interaction between you and stores, as well as device information.

Klarna has a legitimate interest in keeping our Services safe and secure.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, 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 due to personal circumstances are in a vulnerable position).

Contact- and identification information, information about the interaction between you and Klarna, and special categories of personal data.

Based on your consent.

Improve our Services, training and quality assurance, as well as documenting what has been discussed and decided between you and Klarna’s customer service.

Recorded telephone conversations.

Klarna has a legitimate interest in improving our Services, and in conducting training and quality assurance.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.


 

Transfer your data to stores, suppliers and other recipients. (Please see Section 7 for more information on how we share your data and why).

All of the personal data categories under Section 2.

Varies depending on recipients, see more in Section 7. For example, Klarna has a legitimate interest to use suppliers to provide its Services, and we may have legal obligations to share data with authorities. Data sharing with payment service providers is necessary to carry out the payment contract with you.

Carry out risk analysis, fraud prevention and risk management (for example through verifying your identity, and carry out checks with fraud prevention agencies and similar agencies).

 

Please see Section 7 for a more detailed description of the fraud prevention companies we cooperate with.

Contact- and identification information, payment information, information on goods/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 (foremost our customers) have a legitimate interest in risk management of Klarna’s business, for example handling fraud risks. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Klarna also has legal obligations to establish its customers’ identities.

Perform debt collection services, i.e. to collect and sell debt.

Contact- and identification information, information on goods/services, financial information, information about the interaction between you and Klarna and information about the interaction between you and the stores.

Klarna has a legitimate interest in collecting and selling debt.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Product improvement and research

 

Anonymise your personal data for product development in order to analyse customer behaviour.

Contact- and identification information, payment information, information on goods/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 anonymising your personal data for product development in order to analyse customer behaviour.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 


 

Perform data analysis for product improvement and product testing (for example to improve risk- and fraud models).

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Klarna has a legitimate interest in performing data analysis for product improvement and product testing. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 



 

Enable internal research and creation of statistical models.

Contact- and identification information, payment information, information on goods/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 to create statistical models.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

 

Enable external research, for example by universities or other bodies. 

Contact- and identification information, payment information, information on goods/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 contributing to the general interest of society to support research.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

Compliance and to protect Klarna from legal claims

 

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

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Comply with laws.

Perform screening against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons.

Contact- and identification information, information from external sanction lists and PEP lists.

Comply with laws.

Protect Klarna from legal claims, and enforce Klarna’s legal rights.

All of the personal data categories under Section 2.

Klarna has a legitimate interest in protecting itself from legal claims, and in enforcing its legal rights.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide marketing

To provide marketing and offers regarding our Services to you.

 

You may always opt out by contacting us, see Section 13.

Contact- and identification 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 providing marketing and offers to you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To decide which marketing to provide you. This processing also ceases when you opt out from receiving marketing.

Contact- and identification information, information on goods/services, 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 deciding which marketing to provide you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide “sponsored links” to products and services of stores.

Information about goods/services, 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 providing “sponsored links” to promote our stores in the Klarna App and on our website.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

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

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

4.1 Klarna’s credit Services

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

 

The Klarna Card and one time card

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

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

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

 

4.2 Card Linking Service 

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

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

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

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

4.3 Offers and event invitations posted on social media

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

4.4 The Klarna user experience delivered under the Klarna Services Terms

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

 

Historical transactions

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

 

Autofill of your information.

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

Autofill through your interaction

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

Autofill through cookie

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

Deactivation of Autofill

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

 

Preselected preferred payment methods

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

Offers and benefits

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

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

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

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

    

The Klarna App

If you use the Klarna App, additional personal data will be processed to provide the Services you choose to use within the Klarna App, as set out below. Furthermore, when you choose to redeem rewards or take part in specific deals, the provider of such offers may be able to deduce you regularly use Klarna’s services.

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

  • Sponsored links: if you click on a “sponsored link” that promotes a product or service from a store you will be redirected to the store’s website through a third party, a so-called “affiliate network” (further explained in Section 7.14). The affiliate network might place a tracking technology on your device that contains the information that you clicked on a sponsored link in the Klarna App which is then used to track your visit to a store in order to calculate a potential commission to Klarna.

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

  • Curated shopping collections: If you have shared with us information about what topics, products and services you are generally interested in, we will use this information to provide you with personalized shopping collections, where you may find products and services tailored to your interests.

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

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

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

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

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

  • Email Connect: If you have connected your email account to Klarna’s Email Connect service, Klarna will regularly access your email account and extract purchase related information such as tracking ID’s and other information about goods and services and the interaction between you and stores, in order to populate this information into the Klarna App. You may at any time turn this service off, thereby removing Klarna’s access.

  • Store locator: You can choose to share your location with us, in which case we will use this information to show stores close to you. You may at any time turn off this sharing in your device. Klarna will not keep your location after we have shown the stores to you.

  • The in-app web browser: The Klarna App contains a web browser in which you may access stores’ websites and online shops in order to then shop using Klarna’s payment methods also with stores that do not yet use our payment methods. Klarna collects information about how you use the browser in order to provide you with relevant deals and offers. Furthermore, websites you visit may set their own cookies and other tracking technologies on your device.

  • Wishlist: You can choose to add products and services in the Klarna App to your Wishlist, in order to find them later, or track their prices. You may also share your Wishlist with other people such as friends and family, and they will then be able to see your profile picture and profile name. In some cases, if you are logged in to a store’s website, the link to a product or service you choose to add to your Wishlist may include personal information about you from that website, such as your email address.

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

  • Profile picture: You can choose to upload a profile picture in the Klarna App, in which case this picture may be shown in various Klarna interfaces (for example in the checkout of a store that uses Klarna, or in the Klarna App). Klarna’s interfaces may also be embedded in stores’ apps. The picture may also be shown to others if you share your device with others (while using autofill through cookies), or if you choose to share content from your Klarna App with others. You may at any time erase your picture in the App or by contacting us.
     

5. Revoking consent

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

6. Klarna’s profiling and automated decision making

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

 

Decisions without legal or similarly significant effect

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

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

  • Deciding what loyalty bonuses would suit you (See Section 4.4 Offers and benefits above for further information);

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

  • Deciding which content to display to you in the Klarna App. See Section 4.4 The Klarna App for further information.

  • Deciding in which order different payment methods should be presented to you in the checkout of a store that uses Klarna.

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

 

Decisions with legal or similarly significant effect

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

We use this type of automated decision making when we:

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

  • Decide not to offer you our credit Services;

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

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

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

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

7. Who might we share your personal data with?

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

7.1 Suppliers and subcontractors 

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

7.2 Stores 

Klarna shares personal data with the stores you visit or purchase from (which may include the stores’ group companies if you have been informed about this by the store). This is done in order to allow the store to execute and administer your purchase, and administer your relationship with the store or its company group, for example by verifying your identity, send you the goods, manage questions and disputes, send relevant marketing and prevent fraud. The personal data shared with a store will be subject to the store’s privacy notices and practices.
 

7.3 Payment service providers (“PSPs”) 

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

7.4 Credit Reference Agencies

  • A limited lookup (i.e. a “soft lookup”) may be conducted at a Credit Reference Agency (“CRA”) before you apply for one of Klarna’s payment methods in the checkout, to assess your creditworthiness for the purpose of tailoring the payment methods offered to you. This will happen either as you enter your name, address, phone number, and date of birth in the checkout and continue, or directly when the checkout is loaded if the store transfers this information to Klarna. This limited lookup will not affect your creditworthiness. 

If you apply to use a credit Service (see Section 4.1 above for a specification of our credit Services), your personal data may also be shared with 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. This sharing also constitutes a credit lookup. 

Furthermore, a hard credit search (or “a hard credit lookup”) is performed when you apply for Financing. In order to perform the hard credit search, 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 lookup on you. 

This hard credit search will affect your credit rating 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. We may also add to your (or, if applicable, your business’) record with the CRAs information in the form of; details of your agreement with us, any payments you make under it, and any default or failure to keep to its terms. These records will remain on the CRAs’ files for 6 years after our agreement with you is settled or terminated, whether settled by you or, if applicable, your business or by way of default. This and other information about you (or, if applicable, your business and those with whom you are linked financially) may be used to make credit decisions about you or your business in the future.

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

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

7.5 Fraud prevention agencies and companies that supply identity lookups 

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

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

7.6 Klarna group 

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

7.7 Social media companies 

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

7.8 A person holding a power of attorney of your affairs 

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

7.9 Google

When you use the Klarna App through a web browser, Google will collect your device information through its reCAPTCHA service implemented there, sometimes combined with any information you enter into the reCAPTCHA service. Google will process this information in line with its own privacy policy. Klarna processes this data based on its legitimate interest to conduct its business, as the reCAPTCHA service prevents misuse of our Services.
 

7.10 Authorities 

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

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

7.11 Logistics and transportation companies 

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

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

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

7.13 Debt Collection Agencies 

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

7.14 Affiliate Networks
Klarna may share the information that you have clicked on “sponsored links” (i.e. links that promote products or services from stores) with so-called “affiliate networks”. This sharing takes place when you click on a sponsored link as you will then be redirected to the store’s website through the “affiliate network”. The affiliate network might place a tracking technology on your device that contains the information that you clicked on a sponsored link in one of Klarna’s interfaces, in order to track your visit to a store in order to calculate potential commission to Klarna. The affiliate networks may process your personal data in line with their own privacy notices.
 

7.15 Divestment 

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

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

8. Where do we process your personal data?

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

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

9. How long do we process your personal data?

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

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

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

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

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

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

10. Your rights in regards to the personal data

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

  • Right to access your data. You may request a copy of your data if you would like to know what personal data we process about you. This copy of your personal data can also be transmitted in a machine readable format (i.e. “data portability”).

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

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

  • Right to restrict processing of your data or object to our processing. If you believe your information is incorrect or you believe we use your data unlawfully, you have the right to ask us to stop the processing. You may also object to our processing where you believe there are circumstances that would make such processing unlawful. Furthermore, you can always object to us using your data for direct marketing.

  • Right to challenge an automated decision. You have the right to challenge an automated decision made by Klarna if this decision carries with it legal or similarly significant effects. See Section 6 for more information on how Klarna uses automated decisions.

  • Right to withdraw consent. As set out in Section 5, where we process your data based on consent or explicit consent, you may withdraw this consent at any time.

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

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

11. What about cookies and other tracking technologies?

To deliver a tailored and smoooth experience, we use cookies and similar tracking technologies in our online interfaces, such as our website, the Klarna App and the checkout of stores that cooperate with Klarna. You can find information about the tracking technologies we use, and accept respectively reject relevant tracking technologies in the respective interface. 
 

12. Updates to this Privacy Notice 

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

13. Contact details.

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

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

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

14. Acquisition of Close Brothers Retail Finance

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

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


 

Last updated 24 June 2020.


Pay Later & Slice it

Buy Now – Pay Later!

These Pay later terms apply between you and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method. 

When you choose Pay later, we offer you the possibility to pay  on a due date 30 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”). Klarna will send you a payment instruction to pay directly to Klarna. For contact details and further information about Klarna, go to: klarna.co.uk.

Pay Only After You Have Received Your Order!

Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.

For more information and instructions please go to: https://www.klarna.com/uk/buyer-protection-description/.

Costs and Fees

We charge an invoice fee of 0 (£) per purchase.

Credit Check and Handling of Your Personal Data by Klarna

If you choose Pay later, Klarna will assess your creditworthiness. We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining a credit in future.Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

Pay later in 3 instalments

 

The following Terms apply between Klarna Bank AB (publ) (“Klarna”, “we” or “us”) and you who has made a purchase and want a smoooth payment experience. If you choose this payment option you agree to these Terms.

This is a payment option you can choose to part pay your purchases by dividing the cost into 3 equal payments without any interest, fees or charges using a credit or debit card. However, the issuer of your card may charge interest or other fees under the terms of your card agreement.

 

How do I Pay later in 3 instalments?

Provide your card details in order to complete your purchase. The first payment is taken from your card at the time the merchant confirms your order. The two remaining equal payments will also be taken from your card 30 and 60 days after the first payment is taken. We will tell you the due dates via electronic communication and they are viewable in the Klarna application.

 

You give us the authority to take the two remaining equal payments from your card on the due dates without any further notice to you. In the event the merchant does not charge for your entire order at the same time, we will create a different Pay later in 3 instalments order for each merchant charge. Each of these order parts will have its own due date depending on when the merchant confirms that part of your order. This situation may be common where a merchant does not ship all the items from your order at the same time.

 

You will maintain adequate credit balance on your card to allow for payments to be taken on the due dates. It is important you ensure enough funds are available to complete your payment on the due date. If you fail to make a payment you will be in default, and may be unable to use the service in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due dates, or invoice you separately for the unpaid total.

 

If you are in default Klarna may also charge the outstanding balance on your Pay later in 3 instalments purchase immediately, using any card we have on file for you.

 

What do I need to know?

You must be 18 years old.

 

The card is valid and issued to you.

 

It is at our discretion whether you can pay with this payment option. We may limit the types of cards we accept at our discretion. If a type of card is not accepted you will be notified before the purchase is completed. Most valid credit and debit cards that are not scheduled to expire in the near future are accepted. We do not accept prepaid cards. If we accept a card we will authorize the card for 1/3 of the order total at point of purchase. This amount will not be charged until the merchant confirms the order, but your card issuer may restrict your access to the authorized amount while pending.

 

We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining a credit in future. If we do not carry out a limited credit search we will validate your card and request authorisation from your card issuer. In this case there will be no entry shown on your credit file for these payments.

 

If we are not able to take the second instalment from your card on the due date we will provide you a courtesy seven-day slack period so that you can update your payment method or ensure enough funds are available on your selected card. If we are not able to take the second instalment during the slack period we will roll over the unpaid amount to the next and final instalment. If we are unable to take the outstanding amount on the third instalment we may invoice you the remaining amount for immediate payment or follow our debt collection procedures where you will have to pay all reasonable costs incurred by Klarna and/or the debt collection agency. 

 

If your card is cancelled you will immediately pay us all the remaining payments when we ask you to. If your card details change between your initial purchase and final payment, you agree to notify Klarna of your updated card information. Klarna will provide you an online method to provide these updates. If you fail to provide updated information, you authorize Klarna to obtain the updated details from your card issuer, if available. 

 

You authorize us to store your card details on our systems. We will use this information to authorize future payments under these Terms. Unless you opt out, we may also use this information to conveniently prefill your card details for future purchases. You may manage your cards and details online. In the event Klarna obtains updated card information from your card issuer, you agree that we may store this updated information on our system.

 

You can pay any remaining payments at any time and we will not charge you for doing so.

 

If you cancel your purchase we will cancel any remaining payments and pay back to your card any amounts we have taken. Any part returns or refunds credited to your purchase will reduce your outstanding balance, but do not count as payments. You will need to continue to make your previously disclosed payments at scheduled due dates until your balance is paid in full.

 

Our Use of Your Personal Data

Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

 

Complaints

For any complaints against us, the information provided on our website apply. Complaints in relation to Klarna can also be submitted in writing or orally to Klarna's dispute resolution department through the contact form on Klarna’s website at www.klarna.com, via https://www.klarna.com/customer-service/customer-service-mail-form or via postal mail with the keyword "Complaint” to Klarna’s registered address. If Klarna is unable to resolve a complaint, You may refer Your complaint to the Swedish National Board for Consumer Disputes (ARN) at Allmänna reklamationsnämnden, Post box 174, 101 23 Stockholm, Sweden. Klarna will participate in such proceedings and is obliged to do so under applicable law. Information on access requirements can be found on ARN’s website: http://www.arn.se. You can submit your dispute in any official language of the European Union via the ODR-platform provided by the European Commission. The dispute will then be forwarded to ARN. You can find the ODR platform here: https://ec.europa.eu/consumers/odr/.

 

Klarna

Klarna Bank AB (publ) is incorporated under Swedish law and is registered with the Swedish Companies Registration Office. Its organisation number is 556737-0431. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority).

Example of the Credit Agreement regulated by the Consumer Credit Act 1974

 

This agreement for running-account credit (“Agreement”) is made between Klarna and you to finance purchases that you pay for with your account under the Agreement (“the/your Account” or “Klarna Credit”) from online suppliers who accept this payment method (“Suppliers”). This Agreement will be made and come into force if, after you have electronically signed this agreement form, we accept your application for credit and give you written confirmation that the Agreement has been made.

 

1. Your Credit Limit

We will determine your credit limit when we open your Account and give you notice of it. We will review your credit limit from time to time.  We may increase your credit limit from time to time and will notify you of any change. If you do not want us to increase your limit without your request, you can tell us not to. We may also assess your eligibility for a credit limit increase when you take steps towards making a purchase with your Account that would take you over your current credit limit.

We may also reduce your credit limit but not so as to take it below the outstanding balance on the Account. We will notify you of a reduction in your credit limit before it takes effect.

 

2. Your use of the Account

We will provide you with credit on the terms set out below by allowing you to pay for online purchases from Suppliers (“Purchases”) with your Account. When you make a Purchase with your Account, we will pay the Supplier on your behalf and you will repay us in accordance with the terms of this Agreement.

You may use your Account to make Purchases provided that the balance of credit, interest, charges and fees outstanding are not taken over the credit limit and provided that you have kept up to date with your minimum monthly payments. The Account may only be used by you and you must inform us as soon as possible if you suspect any unauthorized use of it. We may suspend your right to credit under this Agreement in accordance with Section 8 below.

We may allow you to temporarily exceed your credit limit if you meet our credit assessment criteria at that time. There will be no charge for exceeding your limit.

 

3. Interest

For any Purchase made with the Account, “the Transaction Date” is the day when the goods are dispatched or, for a service, when the service is made available to you.  Interest is charged, starting on the Transaction Date, on the balance outstanding on your Account for Purchases, with each Purchase being added to the balance on its Transaction Date. Interest is calculated on a daily basis and added to your Account each month on the date we produce your statement.

 

3.1 Standard Rate

The standard interest rate is 0.047 % per day, which results in an effective annual rate of 18.9 %. (“Standard Rate”).  It is charged daily on the balance outstanding of all Purchases other than Special Purchases. The Standard Rate is also charged on fees (if any) on which interest has become payable.

 

3.2 Special Purchases

We may make special offers to you, for certain Purchases, which may include a reduced rate of interest or no interest for a particular period, a specific repayment schedule and other terms that affect the way you repay the credit for such Purchases (“Special Purchases”). Special Purchase offers are made at our discretion, are not available for all Purchases and cannot be changed by customer request.

 

3.2.1 Buy Now, Pay Later Purchases

If you take up a Buy Now, Pay Later offer, you will not be charged interest in respect of the Buy Now, Pay Later Purchase provided that you repay the entire Purchase by the end of a period which will be specified in the checkout before you make the Purchase (“the Buy Now Later Period”). The Buy Now, Pay Later Period may differ between Purchases. We may charge a fee for a Buy Now, Pay Later Purchase.  Any fee will be specified in the checkout before you make the Purchase.

If a Buy Now, Pay Later Purchase has not been repaid in full by the end of the Buy Now, Pay Later Period, interest will be charged on the outstanding amount at the Standard Rate, starting with the day after the end of the Buy Now, Pay Later Period.  A Buy Now, Pay Later Period will always end on a date when a monthly payment falls due.

 

3.2.2. Planned Payment Purchases

If you take up a Planned Payment offer for a Purchase, the credit for that Purchase (“Planned Payment Purchase”) must be repaid in full by the equal monthly payments which will be shown to you before you choose the Planned Payment offer.  The payments will include interest, which will be charged at a fixed rate displayed to you prior to choosing the offer, starting on the day after the Transaction Date.

You can stop paying the Planned Payment Purchase payment at any time and, instead, just pay the Minimum Payment but if you do stop paying the Planned Payment Purchase payment, the Purchase will no longer be a Planned Payment Purchase and the Standard Rate will be charged on the Purchase starting on the day after the first payment date when you do not pay a Planned Payment Purchase payment for that Purchase.

 

3.2.3 Reduced Interest Purchases

If you take up a Reduced Interest offer for a Purchase, a lower rate of interest than the Standard Rate will be charged on that Purchase (“Reduced Interest Purchase”) until the end of the Reduced Interest Period. The applicable rate of interest and Reduced Interest Period for a specific Purchase will be displayed to you before you make the Reduced Interest Purchase.

After the end of the Reduced Interest Period, the Purchase will no longer be a Reduced Interest Purchase and interest will be charged on any outstanding balance for that Purchase at the Standard Rate.

If you fail to make a Minimum Payment by its due date, any Reduced Interest Purchases will cease to be treated as Reduced Interest Purchases and interest will be charged on the outstanding balance of any such Purchases at the Standard Rate, starting on the payment date when that Minimum Payment fell due.

3.3 Minimum Charge

There will be a minimum charge of £1 per month, so that if the interest incurred on the daily balances outstanding for Purchases during the period to which the statement relates (“Purchase Interest”) is less than £1 for any month, taking into account any interest charged at the Standard Rate as well as any interest charged at a special rate for a Special Purchase, there will be a charge equal to the amount required to take the total amount of interest charged for that month up to £1 (“Minimum Charge”). The Minimum Charge will not apply to zero balances.

 

4. Your Monthly Repayments

Whenever any part of the balance outstanding on your account includes a Planned Payment Purchase or a Reduced Interest Purchase, your monthly statement will show two alternative payments: the Minimum Payment and the Interest-saver Payment. You can always pay more than the Minimum Payment or the Interest-saver Payment if you want to.

You must pay at least the Minimum Payment towards repayment of the full balance on your Account each month. The amount of the Minimum Payment will be equal to:

The higher of

(i)              The sum of

a) 1% of the total balance of all Purchases on your Account + Purchase Interest or any Minimum Charge for the period to which the statement relates; and

b) any Late Payment Fees, Paper Statement Fees, Debt Collection Fees and interest on such fees incurred in that period;

(ii)             Or; £5 up to the total outstanding balance on your account.

Alternatively, you can pay the “Interest-saver Payment”. This will allow you to avoid paying interest on any Buy Now, Pay Later Purchases for which the Buy Now, Pay Later Period is ending, and to preserve preferential interest rates for the balances of any other Special Purchases you may have on your Account. The amount of the Interest-saver Payment will be equal to:

a) The full balance of any Buy Now, Pay Later Purchases for which the Buy Now, Pay Later Period is ending b) The planned payment(s) for any Planned Payment Purchase(s)

c) The higher of

(i)              The sum of;

a. 1% of the total balance outstanding on your Account for Purchases other than any Buy Now, Pay Later

Purchases and Planned Payment Purchases + Purchase Interest other than Purchase Interest for any Planned

Payment Purchase(s) or any Minimum Charge for the period to which the statement relates; and

b. any Late Payment Fees and Paper Statement Fees, Debt Collection Fees or interest on such fees incurred in that period;

(ii)             OR; £5

The Interest-saver Payment or the Minimum Payment must reach your Account by the due date on the monthly statement we will send you. If you fail to make the Minimum Payment, we will charge a late payment fee of up to £ 12.

 

5. Monthly Statements

We will send you a statement each month, unless there has been no activity on your Account that month. There may be no activity on your Account when, for example, you only have a Buy Now, Pay Later Purchase on your Account which you purchased in an earlier month and for which the Buy Now, Pay Later Period is not coming to an end.

Your monthly statement will show the balance at the start of the period to which it relates, the date and amount of any balance changes (Purchases made, interest and fees incurred, and payments made into the Account since the period covered by the last statement) and the outstanding balance on your Account. It will also show the Minimum Payment required and, if applicable, the Interest-saver Payment. The monthly statement will also state if you have failed to make the Minimum Payment for any previous billing periods.

 

6. How we Allocate your Payments

We will apply any payment into the Account as follows:

1)   First, in paying any overdue Minimum Payments from earlier billing periods;

2)   Then in meeting any Minimum Payment then due;

3)   Then in paying the difference between any Minimum Payment then due and any Interest-saver Payment then due, including any Purchase Interest or any Minimum Charge; and

4)   Then in making an early repayment.

 

We will allocate so much of any payment into the Account as does not exceed the amount required to meet any Minimum Payment then due:

1)   First in paying any Minimum Charge, Late Payment Fee, any Paper Statement Fee, any Debt Collection Fee and any interest on any Fees;

2)   Then in or towards paying any Planned Payment Purchase payments then due, so that the payment is allocated towards Planned Payment Purchases with higher interest rates before Planned Payment Purchases with lower interest rates; and

3)   Then in or towards repaying the balance outstanding in respect of all Purchases other than Buy Now, Pay Later Purchases for which the Buy Now, Pay Later Period has not yet come to an end.

 

Then we will allocate the amount by which any payment into the Account exceeds any Minimum Payment then due, up to the amount of any Interest Saver Payment then due:

4)   First, in repayment of the remaining outstanding balance of any Buy Now, Pay Later Purchase for which the Buy Now, Pay Later Period is ending on the date of the payment or between the date of the payment and the date of the next monthly statement;

5)   Then in repayment of the remaining balance of any Planned Payment Purchase payments then due so that Planned Payment Purchases with higher interest rates are paid off before Planned Payment Purchases with lower interest rates.

 

Lastly we will apply the amount by which any payment into the Account exceeds the amount of any Interest-saver Payment then due:

6)   First in repaying the balance outstanding in respect of all Purchases other than Special Purchases;

7)   Then in repaying the balances outstanding for interest-bearing Special Purchases, so that balances for Purchases with higher rates of interest are paid off before balances for Purchases with lower rates of interest; and

8)   Then in repayment of any Buy Now, Pay Later Purchases for which the Buy Now, Pay Later Periods have not come to an end.

Subject to the order set out above, earlier Purchases will be repaid before later Purchases and Purchases which have been shown on a monthly statement will be paid before those which have not yet been shown on a monthly statement.

 

7. Early Repayment

You have the right to repay all or part of the credit early at any time at no extra cost. We will let you know the balance outstanding upon request.

 

8. Our right to refuse transactions and suspend your Account

We may refuse to authorize a purchase or suspend your right to make purchases with your Account for any of the following reasons 

a)   Your purchasing behaviour seems unusual compared with the way you normally use your Account;

b)   We suspect that unauthorized or fraudulent use is being made of your Account under the Agreement;

c)   There is any legal or technical restriction which prevents us from lawfully providing you with credit at the time when you attempt to make a purchase using your Account;

d)   You fail to make any payment which falls due to us under this Agreement or under any other agreement that you may have with us when that payment falls due;

e)   We believe that there is a significantly increased risk that you may not be able to fulfil your duty to repay the credit in accordance with this Agreement (this includes situations such as you going bankrupt or having similar proceedings taken against you);

f) We reasonably believe the transaction would damage our reputation;

g)   You have not used your Account to make new purchases for at least two months;

h)   There is any other objectively justifiable reason.

If we decide to refuse a transaction or suspend your right to use the Account, we will give you notice by email as soon as practicable.

 

9. Our right of set-off

If we owe you any money we will be entitled to set-off the sum we owe you against any debt you owe us under this Agreement.

 

10. Fees

We charge the following fees:

-   Up to £12 if you do not make your Minimum Payment on time (“Late Payment Fee”);

-   £1.49 for each Paper Statement Fee;

-   The reasonable cost of sending you a letter about your outstanding debt when you are in arrears (“Debt Collection Fee”).

Any fee which becomes payable under this Agreement will be added to the balance on the payment date following the statement for the month in which the fee became payable.  We will start charging interest at the Standard Rate on Late Payment Fees and Debt Collection Fees on the 29th day after we have given you notice that the fee has become payable.

 

11. Changes to this Agreement

We may change the interest rates and/or fees or charges payable under your Agreement to take account of changes in the cost of providing credit to you or to reflect the cost of any system or product development.  We may also change and add to the other terms of this Agreement to respond to changes in legal or other regulatory requirements or to reflect new industry guidance or codes.

Our power, under this term of this Agreement, to vary any fees or charges includes the power to remove or add fees or charges for the reasons given above without first obtaining your consent.  We will give you written notice of any such change and the change will come into force 60 days after the notice has been sent. You may end this Agreement in accordance with clause 15 if you do not want the change to apply to your Agreement.

 

12. APR and Total Charge for Credit

If you were to use your Account to make a Purchase of £1,200 on the date when this Agreement is made, to repay that amount by making 12 equal monthly payments, together with the interest which is payable on each payment date in accordance with clauses 3 and 4 of this Agreement, the total amount payable would be £1,326.37 and the APR would be 18.9 %.  This assumes that the Standard Rate of interest would apply and that no change would be made to the Standard Rate during that period.

 

13. Right of withdrawal

You have a right under the Consumer Credit Act 1974 to withdraw from this Agreement without having to give any reason. To exercise your right of withdrawal you must give notice of your intention to withdraw from the Agreement before the end of 14 days beginning with the day after the day on which you receive a copy of the Agreement signed by us, unless you have received an earlier copy, in which event the 14 day period will begin on the day after you the day you receive our written confirmation that the Agreement has been made on the same terms as set out in the earlier copy. You must give notice of withdrawal by telephone or in writing to our business address or by email (please see our contact details at the beginning of this Agreement).

You must repay the amount of credit provided under this Agreement, together with interest, without delay and no later than 30 calendar days after giving notice of withdrawal.  We will inform you of the amount of interest payable on request and without delay.  You must make payment to Klarna by calling +44(0)2030050833 and paying by debit card or by bank transfer in accordance with the instructions given to you.

Please note that withdrawing from your Agreement with us will not terminate your purchase agreement(s) with the Supplier(s). Your rights in relation to your agreements with Suppliers are governed by those agreements and the legislation relating to them.

 

14. Consequences of default and missed payments

If at any time, two or more Minimum Payments are overdue, we may serve a default notice on you, requiring that you bring the Minimum Payments up to date.  If you then fail to do so, we may, by giving you written notice, terminate the Agreement and/or require that you make immediate repayment of the outstanding balance of credit, interest and any fees on the Account.

After termination under this clause 15, we may employ a debt collection agency to recover the outstanding debt and you will have to pay reasonable costs incurred by the debt collection agency for this purpose.

Missing payments can have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.  Legal action may be taken against you to recover the debt, an application may be made to have you declared bankrupt, and it is possible that a charging order and order for sale of your property may be obtained as a means of enforcing any judgment.

 

15. Termination of the agreement

This Agreement has no fixed duration and will continue until either we or you terminate the Agreement.

You can bring this Agreement to an end at any time with immediate effect, and without having to give any reason, by giving us not less than seven days’ oral or written notice.

We can bring the agreement to an end by giving you two months’ written notice.

If you become bankrupt or are unable to pay your debts or if an interim order in bankruptcy is presented or made, or you become apparently insolvent or have a proposal for a voluntary arrangement made in relation to you, we may, by giving you written notice, bring this Agreement to an end immediately.

If we or you end this agreement you must continue to make your Minimum Payments until you have repaid all amounts you owe us.

 

16. Consent to electronic communication, correspondence and change of details

When you give your consent to us sending electronic communications to the e-mail address or telephone number you have provided, you agree that we may send monthly statements, notices and other communications under or in relation to the Agreement (other than communications that are required by law to be sent in paper form) via email to this e-mail address or via text message to this mobile phone number.

You must promptly inform us of any changes to your name, address, email or telephone number.  You must provide any evidence of such changes that we may reasonably require.

All communication between you and us in relation to this Agreement shall be in English.

 

17. Assignment

You may not transfer or assign any rights or obligations you have under this Agreement without our prior written consent. We have the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time without your consent, provided that such transfer does not alter your rights and obligations under this Agreement to your detriment.

 

18. Our liability to you

You may have the right to sue a Supplier or us or both if you have received unsatisfactory goods or services paid for under the Agreement costing more than £100 and not more than £30,000.  Except for that right in respect of misrepresentation or breach of contract relating to your agreement with the Supplier, we shall not be liable to you for any loss of profit, goodwill, business, revenue, data, anticipated savings or other loss or damage which does not arise directly from a breach of this Agreement by us. Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or your statutory rights as a consumer, or any other liability which may not otherwise be limited or excluded under any applicable law.

 

19. Our use of your personal data

Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

For information about what data we transfer to credit reference agencies, and for what purposes, please refer to Section 20 below and to the Privacy Notice.

 

20. Information to and from credit reference agencies

When you apply for an Account, we make a full credit search with credit reference agencies who will supply us with credit information. The agencies will record details of the search, which can be seen on your credit file, whether or not credit is granted. This record will also be visible to third parties and may affect other organizations’ future decisions on whether or not to provide you with credit.

We will report information to credit reference agencies about the payments you make, and about any payments that you fail to make on time.

If we do not grant your credit application, you will receive a failure notice from us. If your decision not to grant your application for credit is based on information supplied by a credit reference agency, we will provide you with details of the agency via email.

 

21. Supervisory authority

Klarna Bank AB (publ) is authorised by the Swedish Financial Services Authority (Finansinspektionen) and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.

 

22. Complaints

If for some reason you are dissatisfied with our services, we will do our best to resolve the matter as soon as possible. You can reach us via email, letter or phone at the addresses/numbers provided in the beginning of this Credit Agreement. You can also reach our customer service agents via our online chat service (https://www.klarna.com/uk/customerservice) at business hours.

If we do not resolve your complaint to your satisfaction, you have the right to refer your complaint to the Financial Ombudsman Service by calling 08000234567 or using the online form available at https://www.financial-ombudsman.org.uk/contact/index.html or writing at Exchange Tower, Harbour Exchange, London, E14 9SR.

 

24. Governing law

This Agreement is governed by the laws of England and is subject to the non-exclusive jurisdiction of courts of England and Wales. If you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

 

25. General

If at any time we allow any time for remedy of a breach, or if otherwise we do not insist on our strict rights under the Agreement, this will not prevent us from insisting on our strict rights on another occasion. If we agree to a variation on one occasion, it does not mean that we must agree to it on another occasion.

Any provision of this agreement which expressly or by implication is intended to come into or continue in force on or after termination of this agreement shall remain in full force and effect.

This Agreement does not affect or exclude any term implied by law unless it expressly says so.

If any term in this Agreement shall not be enforceable, it will not affect the enforceability of all other terms.

If your application for running-account credit from Klarna is approved, you will receive confirmation from Klarna and you will be able to finalise your purchase with your account. You will receive a copy of your credit agreement to your home address and an email with further information.

There is a requirement under UK law to withhold tax due on the payments but you will not need to do this or take any action based on the agreement we have with the UK tax office. If you have any doubts or queries as to the arrangements Klarna has agreed, please contact HMRC.