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Published on March 20, 2024
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Klarna’s privacy notice

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

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

1. Who is responsible for your personal data?

Klarna Bank AB (publ), registered with the Swedish Companies Registration Office under company number 556737-0431 and with registered office at Sveavägen 46, 111 34 Stockholm also active through its branches (“Klarna”, “we”, “our” or “us”), is the data controller in accordance with the EU Data Protection Regulation (the “GDPR”) and the Swiss Federal Act on Data Protection (the "FADP"). If you have any questions regarding the processing of your personal data, please contact our data protection team by writing to datenschutz.ch@klarna.com

2. Your data protection rights as a data subject

You have several rights under the FADP related to you having control of your personal data and to receive information directly from us on how we process personal data about you. Please note that the granting of these rights may in part be refused or restricted for legal reasons. In the following you can read about your rights. If you want to know more or come in contact with us to exercise your rights, the easiest way is to email us on datenschutz.ch@klarna.com. If you want to receive information about the data Klarna holds about you through so-called subject access, or have certain data deleted, you can send a request to us by filling out this form, which is available on our homepage. For other types of questions please use the contact details in section 12.

Your rights

  • Right to have personal data deleted (“Right to be forgotten”).

    In some cases, you have the right to have us delete personal data about you. For example you can request us to delete personal data that we (i) no longer need for the purpose it was collected for, or (ii) process based on your consent and you revoke your consent. There are situations where Klarna is unable to delete your data, for example, when the data is still necessary to process for the purpose for which the data was collected, Klarna’s interest to process the data overrides your interest in having them deleted, or because we have a legal obligation to keep it. You can read more about our legal obligations to keep data in section 4 and 9 in this privacy notice. The laws described there prevent us from immediately deleting certain data. You also have the right to object to us using your personal data for certain purposes such as direct marketing, which you can read more about in this list of your rights. 

  • Right to be informed.

    You have the right to be informed of how we process your personal data. We do this through this privacy notice, by service-specific FAQs, and by answering your questions.

  • Right to receive access to your personal data (“Data Subject access”).

    You have the right to know if Klarna processes personal data about you, and to receive a copy (“data extract”) of such data, so-called data subject access. Through the data extract you will receive information about what personal data Klarna holds about you and how we process it.

  • Right to access, and request a transfer, of your personal data to another recipient (“Data portability”). 

    This right means that you can request a copy of the personal data relating to you that Klarna holds for the performance of a contract with you, or based on your consent, in a machine-readable format. This will allow you to use this data somewhere else, for example to transfer your personal data to another controller/recipient. In addition, you may request Klarna to transfer your personal data to another controller, if this does not involve a disproportionate effort.

  • Right to rectification.

    You have the right to request that we rectify inaccurate information or complete information about you that you consider is inaccurate or incomplete.

  • Right to restrict processing. 

    If you believe that your personal data is inaccurate, that our processing is unlawful or that we do not need the information for a specific purpose, you have the right to request that we restrict the processing of such personal data. You also have the possibility to request that we stop processing your personal data while we assess your request. If you object to our processing per your right described directly below, you may also request us to restrict processing of that personal data while we make our assessment.

  • Right to object against our processing of your personal data.

    You have the right to object to processing of your personal data. You can also always object to our use of your personal data for direct marketing purposes. When you let us know that you no longer wish to receive direct marketing from us, we will turn off marketing for you, and stop sending it to you.

  • Right to request an automated decision that significantly affects you to be reviewed by a natural person.

    You have the right to request that an automated decision made by Klarna is reviewed by a natural person if the decision produces legal effects or significantly affects you in a similar way. See section 6 on how Klarna makes use of automated decisions.

  • Right to withdraw your consent. 

    As described in section 5 below, where we process your personal data based on your consent or explicit consent, you have the right to revoke that consent at any time. When you revoke your consent we will stop processing your data for such purposes.

  • Right to lodge a complaint

    If you have complaints about Klarna’s processing of your personal data, you may lodge a complaint with the competent (supervisory) authority, in Switzerland the Swiss Federal Data Protection and Information Commissioner (FDPIC). You can reach the FDPIC through the following link.

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

3. What types of personal data do we collect?

In this section, we describe the types of personal data that we collect or create. In section 4, we describe for what purposes we use these types of personal data.

  • Contact and identification data - Name, date of birth, social security number, title, occupation, gender, billing and delivery address, e-mail address, mobile phone number, nationality, age, etc.

  • Information about goods/services - Details concerning the goods/services you have bought or ordered, such as type of item or delivery tracking number. 

  • Information about your financial standing - Information about, for example, your income, any credits, negative payment history and previous credit approvals.

  • Payment information - Credit and debit card details (card number, expiry date and CVV code), bank account number, bank name.

  • Information about your use of Klarna’s services - Which service(s) and what different functions in these services you have used and how you have used them. This includes information about outstanding and historical debt, your repayment history, and your personal preferences.

  • Technical information generated through your use of Klarna’s services - Technical data such as response time for web pages, download errors and date and time when you used the service. 

  • Information about your contacts with Klarna’s customer service - Recorded phone calls, chat conversations and email correspondence.

  • Your contacts with the stores you shop at or visit - Information about how you interact with stores, such as whether you have received goods and the type of store you shop at. 

  • Device information - Device ID, IP address, language settings, browser settings, time zone, operating system, platform, screen resolution and similar information about your device and device settings/usage.

  • Information from external sanction lists and PEP lists - Sanction lists and lists of persons constituting politically exposed persons (“PEP”) include information such as name, date of birth, place of birth, occupation or position, and the reason why the person is on the list in question.

  • Sensitive personal data - Sensitive personal data are data that reveal religious beliefs, political or philosophical views, trade union membership, or constitute information about health, sex life or sexual orientation as well as biometric data. 

  • Service-specific personal data - Within the framework of our services through the Klarna Shopping Service, Klarna’s savings and payment accounts, Auto-import/Magic import, Personal Finance and Membership Connect Service, we use additional personal data that are not covered by the types listed above. Information regarding each service is listed here:

    • The Klarna mobile application (the “Klarna App”) and browser extension (under the Klarna Shopping Service): All content you upload or submit (such as photos, receipts or product & store reviews), location information, geolocation information and websites you visit in the application’s browser, or with the extension installed;

    • Klarna’s savings and payment accounts: Information about your transactions and deposits and information about where your money comes from, or will be used for. Klarna will also process data about third parties (such as payees or payers) for this service;

    • Auto-import/Magic import: Information from the connected e-mail account about your completed purchases, product, price and quantity information, delivery tracking numbers and information about stores that we pass on to the Klarna mobile application;

    • Personal Finance: Information from your other bank accounts and other types of accounts (such as card accounts) that you choose to connect to the service, as well as information such as account number, bank, historical transactions from your connected accounts and balances and assets.

    • Membership Connect Service: Information from your added third-party membership or loyalty card account such as membership information and credentials, points, status, levels, and balance history.

  • Event registration on social media: Information about your profile from your social media account and business information such as your employer’s name, address and type of company.

Detailed information on relevant personal data for each service can also be found in the terms and conditions we have listed here.

4. What personal data are used for what purposes?

In the tables below you can read about,

  1. what we will use your personal data for (the purpose),

  2. which types of personal data we use for that purpose, and if the personal data comes directly from you or from another source. In the cases where we have received personal data about you from another source, we provide the source in brackets, and

  3. when Klarna stops using the personal data for each purpose. 

4.1 Purposes for which your personal data are always used, regardless of the service you use.

Purpose of the processing - what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To manage our customer relationship with you in accordance with our agreements, for each service you use. This includes creating and sending information to you in electronic format (not marketing).

From you:

  • Contact and identification data.

  • Payment information.

  • Sensitive personal data. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device) 

  • Service-specific personal data (see section 3).

When the contract between you and Klarna terminates.

To be able to perform customer satisfaction surveys and market surveys, conduct consumer research as well as ask for reviews from you, through email, text messages, phone or via other communication channels.

If you do not want us to perform this processing, please contact us to let us know. See section 2 for more information about your rights. See section 12 for our contact information.

From you:

  • Contact and identification data.

  • Information about your use of Klarna’s services.

From other sources:

  • Information about goods/services. (The store)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

When the contract between you and Klarna terminates.

To ensure network and information security in Klarna’s services.

From you:

  • Contact and identification data.

From other sources:

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device Information. (Your device)

This processing lasts for as long as you are using a service.

To be able to help you as a vulnerable customer (i.e. if you need extra support when contacting us due to particular circumstances). This means that we can offer you special support, for example, when you contact customer service.

From you:

  • Contact and identification data.

  • Sensitive personal data (in the form of information on your health). 

From other sources:

  • Information about your use of Klarna’s services. (Klarna)

When you notify us that you are no longer a vulnerable customer or withdraw your consent. We also cease this processing if and when you notify us that you no longer want to be a Klarna customer.

To be able to perform risk analysis, prevent fraud, and carry out risk management.

We perform the processing to confirm your identity and that the data you provide is correct, as well as to counter criminal activities. 

This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions. 

From you:

  • Contact and identification data. 

  • Payment information.

From other sources:

  • Information about goods/services. (The store)

  • Information about your financial standing. (Klarna and credit information bureaus) 

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Sensitive personal data.

This processing will take place while you use any Klarna service.

However, if Klarna has identified a potential risk in how you use Klarna, we will continue to use your information for this purpose and continuously update our risk assessment if there is a risk of fraud. This processing lasts as long as we are required by law to keep your information. See section 9 for more information on our obligations and right to retain information according to law.

To anonymise your personal data in order to improve our services and products and to analyse customer behaviour.

From you:

  • Contact and identification data.

  • Payment information.

From other sources:

  • Information about goods/services. (The store)

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device) 

  • Service-specific personal data (see section 3).

This processing takes place for the entire period during which Klarna must retain the information in its systems, for example to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

To perform data analysis for product development and testing to improve our risk and credit models and to design and improve our services (if possible, we first anonymise the data, which means that no personal data processing is performed thereafter).

From you:

  • Contact and identification data.

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Service-specific personal data (see section 3).

This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

To perform data analysis to measure and improve our marketing and advertising channels (if possible, we first anonymise the data, which means that no personal data processing is performed thereafter).

From you:

  • Contact and identification data.

  • Payment information.

From other sources:

  • Information about goods/services. (The store) 

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Service-specific personal data (see section 3).

This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

To calculate payment commissions to suppliers (if possible, we first anonymise the data, which means that no personal data processing takes place thereafter).

From other sources:

  • Information about goods/services. (Klarna)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

This processing takes place for up to 90 days after using a service. 

To produce statistics and reports for economic analysis or analysis of payment trends or payment volumes in certain regions or industries (if possible, we first anonymise the data, which means that no personal data processing takes place thereafter).

From you:

  • Contact and identification data.

  • Payment information.

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Service-specific personal data (see section 3).

This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

To check and verify your identity.

From you:

  • Contact and identification data. 

As long as you use one of Klarna’s services.

To share your personal data with the categories of recipients described in section 7.1 (suppliers and subcontractors, companies within the Klarna Group, persons with authority over your financial transactions, authorities and buyers of receivables, businesses or assets).

  • All types mentioned in section 3.

This processing takes place for the entire period during which Klarna must retain the data in its systems, for example, to fulfil the agreement with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

To decide what kind of marketing we will provide to you. 

If you do not want us to perform this processing of your data, please contact us. We will then cease to use your data for marketing. Contact information is available in section 12.

The processing may constitute profiling. See section 6 for more information about profiling. 

From you:

  • Contact and identification data. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device) 

  • Service-specific personal data (see section 3).

When the contract between you and Klarna terminates, or if you notify us that you are not interested in this processing.

To provide marketing materials and offers to you about other products and services we offer that are similar to those you have already used and that are part of Klarna as a shopping platform .

If you do not want to receive marketing from us, please contact us to let us know. We will then stop processing your data for sending marketing. See section 12 for our contact information.

From you:

  • Contact and identification data. 

From other sources:

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

When the contract between you and Klarna terminates, or if you notify us that you are not interested in this processing.

Provide you with direct marketing about offers, products, or services from Klarna, and our stores/partners.

From you:

  • Contact and identification data. 


From other sources:

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

Either when you notify us that you want to withdraw your consent or if you notify us that you are not interested in this processing/opt-out.

To protect Klarna from legal claims and safeguard Klarna’s legal rights.

  • All types mentioned in section 3.

In the event of a dispute, Klarna may also collect other types of personal data concerning you if we need them to exercise our rights. 

This processing takes place for the entire period during which Klarna must retain the information in its systems, for example to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.

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

Purpose of the processing - what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To transfer the store’s right to payment for your purchase to Klarna (“factoring”).

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus) 

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

When the purchase takes place.

To share your personal data with the categories of recipients described in section 7.2 (stores, payment service providers and financial institutions, fraud prevention agencies and companies providing identity information, and Google).

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

Primarily when the purchase takes place, but it also occurs during the entire period that Klarna has the data in its systems, i.e. until the data is deleted. See section 9 for more information on our obligations and right to retain information according to law.

When you shop in a store that offers Klarna as a payment method or has Klarna checkout, we will assess the order in which different payment methods should be presented to you at the store checkout. This processing does not affect which of Klarna’s payment methods are available to you.

If you do not want us to perform this processing of your data, please contact us to let us know. Contact information is available in section 12.

This processing constitutes profiling. See section 6 for more information about profiling.

From you:

  • Contact and identification data.

From other sources:

  • Information about goods/services. (The store)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna) 

  • Your contacts with the stores you shop at or visit. (The store)

When the payment methods are shown at checkout.

To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions. Klarna also conducts ongoing risk assessments and creates risk models to counter money laundering and terrorist financing. 

 

This processing constitutes profiling and automated decision making. See section 6 for more information about profiling and automated decisions.

From you:

  • Contact and identification data. 

  • Payment information.

From other sources:

  • Information about goods/services. 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information (Your device) 

  • Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)

  • Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists, as well as biometric information from your ID and picture submitted).

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

When the agreement between you and Klarna is terminated. See section 9 for more information on our obligations and right to retain information in accordance with the law. 

To perform a fraud prevention assessment before a purchase is accepted.

This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions. 

Also see section 7.2.3 on our use of fraud prevention agencies to which your information may be shared. If we identify potential fraudulent transactions we will also report this to our fraud prevention bureaus as set out in Section 7.2.3.

From you:

  • Contact and identification data. 

  • Payment information.

From other sources:

  • Information about goods/services. (The store)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

In addition to the above, Klarna receives information from fraud prevention agencies on whether your information indicates an attempt at fraud.

When the fraud assessment is performed.

To perform bookkeeping and accounting in accordance with accounting laws and preserve them in compliance with the applicable law.

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your use of Klarna’s services. (Klarna)

  • Information about your contacts with Klarna’s customer service. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

During the period in which the bookkeeping is recorded and 7 years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.

To perform calculations in accordance with rules on capital adequacy obligations. 

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.

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

The following services involve providing credit to you: “Pay later” (invoice), “Pay now” (for payment by direct debit), “Financing” and “Pay in 3 instalments” (pay in instalments), as well as the Klarna card and the One-time Card (both of which are offered in the Klarna mobile application or browser extension).

Purpose of the processing - what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To perform a credit assessment

before credit is granted.

This constitutes profiling and the

decision to approve or reject the

credit constitutes an “automated

decision”. See section 6 for more

information about profiling and

automated decisions.

Also see section 7.3.1 on our use of credit information bureaus to which your information may be shared, and our legal basis for that sharing.

 

From you:

  • Contact and identification data. 

From other sources:

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

When the credit assessment is performed.

To share your personal data with the types of recipients described in section 7.3 (credit bureaus, debt collection companies and other buyers of outstanding receivables, as well as VISA, debt acquirers and digital wallet providers). 

From you:

  • Contact and identification data.

  • Payment information.

From other sources:

  • Information about goods and services. (The store)

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

Primarily when the purchase takes place, but also as long as Klarna retains the data in its systems, i.e., until it is deleted. See section 9 for more information on our obligations and right to retain information according to law. 

To transfer Klarna’s right to payment for your purchase to a new owner.

From you:

  • Contact and identification data.

From other sources:

  • Information about goods/services. (The store)

  • Information about your financial standing. (Klarna and credit information bureaus) 

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

The processing may be performed while the debt is unpaid (you will be notified if the debt is transferred).

To perform debt collection services, i.e. to collect and sell overdue debts.

From you:

  • Contact and identification data. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus) 

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

When the debt has been paid.

To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions, conducting risk assessments and creating risk models.

 

This processing constitutes profiling, and a decision that you imply a money laundering risk constitutes an “automated decision”. See section 6 for more information about profiling and automated decisions.

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)

  • Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists as well as biometric information from your ID and picture submitted).

Up to five years from the termination of the agreement or after the termination of the customer relationship (up to ten years in cases where law enforcement authorities so request). See section 9 for more information on our obligations and right to retain information according to law.

Filing and accounting in accordance with accounting laws.

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.

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

Purpose of the processing – what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To provide Klarna’s savings and payment accounts. 

From you:

  • Contact and identification data.

  • Sensitive personal data. 

From other sources:

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts). 

When the contract between you and Klarna terminates.

To share your personal data with the categories of recipients described in section 7.4 (credit institutions and other financial institutions).

From you:

  • Contact and identification data.

  • Sensitive personal data. 

From other sources:

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

When the contract between you and Klarna terminates.

To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions, conducting risk assessments and creating risk models.

 

This processing constitutes profiling, and a decision that you imply a money laundering risk constitutes an automated decision. See section 6 for more information about profiling and automated decisions.

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)

  • Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists, as well as biometric information from your ID and picture submitted).

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

Up to five years from the termination of the contract or after the termination of the customer relationship (up to ten years in cases where law enforcement authorities so request). See section 9 for more information on our obligations and right to retain information according to law.

Filing and accounting in accordance with accounting laws. 

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store) 

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

Seven years after the end of the year in which the information first was registered. See section 9 for more information on our obligations and right to retain information according to law.

To perform calculations in accordance with rules on capital adequacy obligations. 

From you:

  • Contact and identification data. 

  • Payment information. 

From other sources:

  • Information about goods/services. (The store)

  • Information about your financial standing. (Klarna and credit information bureaus)

  • Information about your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

  • Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).

Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.

4.5 Use of your personal data when you use Klarna’s Shopping Service. 

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

Purpose of the processing - what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To deliver Klarna’s Shopping Service and the functions included therein.

The service involves profiling you to personalise the content in the Klarna mobile application and at Klarna’s checkout.

  • All types mentioned in section 3; 

  • Names and addresses you add as delivery addresses on your User Account.
    Service-specific personal data (see section 3).

  • Sensitive personal data.

When the contract between you and Klarna terminates.

You can choose to share your location and geolocation information with us. We use this information to find stores and offers in your vicinity, to present in the Klarna mobile application.

You can turn off location and geolocation information sharing on your device at any time.

From you:

  • Service-specific personal data (see section 3, location and geolocation information).

When the contract between you and Klarna terminates or when you turn off location and geolocation information sharing on your device.

To provide a browser, through the Klarna mobile application, for you to visit, for example, stores’ websites. Klarna will collect information about how you use the browser to customise the contents of the Klarna mobile application. 

From you:

  • Sensitive personal data.

  • Service-specific personal data (see section 3 for information about the Klarna mobile application).

When the contract between you and Klarna terminates.

To perform fraud prevention assessments when using the Klarna Shopping Service.

This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions. 

Also see section 7.5.6 on our use of fraud prevention agencies to which your information may be shared.

From you:

  • Contact and identification data.

From other sources:

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

  • Your contacts with the stores you shop at or visit. (The store)

  • Device information. (Your device)

In addition to the above, Klarna receives information from fraud prevention agencies on whether your information indicates an attempt at fraud.

When the fraud assessment is performed.

To share your personal data with the categories of recipients described in section 7.5 (affiliate networks, Google, partners within the framework of the Personal Finances service and the offer and benefit program, and logistics and transportation companies, Advertising services, third-party apps and services (for SIWK), fraud prevention agencies and companies providing identity checks).

From you:

  • Contact and identification data.

  • Sensitive personal data (if you have uploaded or otherwise given us access to such data).

From other sources:

  • Information about goods/services. (The store)

  • Device information. (Your device)

  • Service-specific personal data (see section 3 for information about the Klarna mobile application).

When the contract between you and Klarna terminates.

To show you relevant advertising through our third party advertising services outside of the Klarna App and assess the relevancy of such advertising. This is based on your user behaviour and Klarna profile.

You may see such relevant advertisements when you are on other websites and apps, delivered to you through those third party advertising services. See section 7.5.5 for information about this data sharing.

This processing may constitute profiling which aims to customise the marketing based on what we think you may be interested in. You can read more about profiling in section 6.

From you:

  • Contact and identification data.

From other sources:

  • Information about your use of Klarna’s services. (Klarna)

  • Device information. (Klarna)

Either when you notify us that you want to withdraw your consent or if you notify us that you are not interested in this processing.

We will also cease this processing if and when you notify us that you no longer want to be a Klarna customer.

If you choose to sign in with Klarna (through “SIWK”) at a third-party app or service, Klarna will share your personal data with the store or on-line service.

From you:

  • Contact and identification data.

From other sources:

  • Contact and identification data (Klarna).

  • Information about goods/services (Klarna)

When the contract between you and Klarna terminates.

We will also cease this processing if and when you notify us that you no longer want to use this specific functionality.

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

Purpose of the processing - what we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

If you have connected your e-mail account to Klarna’s Auto-import/Magic Import service, Klarna will regularly connect to your e-mail account(s) to obtain information about your purchases.

You can terminate this service at any time and thereby delete Klarna’s access to your e-mail account. 

From other sources:

  • Sensitive personal data. (The webmail provider)

  • Service-specific personal data (see section 3 for information about Auto-import/Magic Import). (The webmail provider)

When the contract between you and Klarna terminates.

If you have chosen to connect your bank accounts to the Personal Finance service, Klarna will display and give you tools to control your finances, by means of offers tailored to your specific needs. 

This processing constitutes profiling which aims to customise the service’s content based on what we think you may be interested in. You can read more about profiling in section 6. 

If you choose to take advantage of offers and benefits that Klarna delivers within the framework of this service, we will share your personal data with the partner who delivers these (see section 7.5.3).

From other sources: 

  • Sensitive personal data. (Your connected account)

  • Service-specific personal data (see section 3 for information about Personal Finance). (Your connected account)

When the contract between you and Klarna terminates.

If you use our browser extension, Klarna will process your data to deliver the service, which includes processing information about which websites/web domains you visit:

Klarna processes information about the ecommerce websites/web domains you visit in order to identify deals, offer cash back and provide you with customised offers in the Klarna extension and mobile application. This processing is also done to allow you to create One-time Cards directly in your browser on websites where this service is enabled.

Information about non-ecommerce websites/web domains visited will not be stored by Klarna.

Read more about how your personal data is used in the extension FAQ. 

From you:

  • Contact and identification data.

  • Information about goods/services.

  • Payment information.

  • Your contacts with the stores you shop at or visit.

  • Sensitive personal data.

  • Service-specific personal data (see section 3 for information about the Klarna mobile application and browser extension).

From other sources:

  • Device information. (Your device)

  • Information about your use of Klarna’s services. (Klarna)

  • Technical information generated through your use of Klarna’s services. (Klarna)

When the contract between you and Klarna terminates. 

If you have added a third-party membership or loyalty card account to Klarna’s Membership Connect Service, Klarna will process your data to deliver the service. 

This includes Klarna regularly connecting to your third-party card account to import membership points, levels, and balance history.

You can terminate this service at any time and thereby revoke Klarna’s access to your membership or loyalty card account.

From other sources:

  • Service-specific personal data (see section 3 for information about the Membership Connect Service). (Your connected third-party membership or loyalty card account)

When the contract between you and Klarna terminates.

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

Purpose of the processing - What we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

If you sign up for an event posted on social media, we will process your personal data to provide the requested service.

You can always unsubscribe from this by contacting us. See section 12 for contact information.

From you:

  • Contact and identification data.

  • Event registration on social media.

.

When the event has been held.

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

Purpose of the processing - What we do and why.

Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.

When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.

To handle all matters that come to Klarna’s customer service.

This includes retaining various forms of written conversations to document customer issues, as well as for security purposes and to counter fraud. 

From you:

  • Information about your contacts with Klarna’s customer service.

From other sources:

  • Information about your contacts with Klarna’s customer service. (Klarna)

Up to ten years, based on the statute of limitations. See section 9 for more information on our obligations and right to retain information according to law.

 

Quality and service improvement (to ensure satisfactory customer service). We may record telephone conversations as well as screen sharing sessions between you and our employees for quality purposes in order to deliver better products and services to you.

From you:

  • Information about your contacts with Klarna’s customer service. 

From other sources:

  • Information about your contacts with Klarna’s customer service. (Klarna)

We process the recordings of telephone conversations for up to 90 days for quality assurance purposes, and the recorded screen sharing sessions for up to 30 days for quality assurance purposes.

Documenting what has been said when talking to our customer service (to ensure we have documented what has been agreed or discussed). We use recorded telephone conversations between you and our employees as well as manual and automated notations to document what has been said.

From you:

  • Information about your contacts with Klarna’s customer service. 

From other sources:

  • Information about your contacts with Klarna’s customer service. (Klarna)

90 days from the day when the recording was made.

If you contact us via social media such as Facebook or Twitter, your personal data will also be collected and processed by these companies, in accordance with their privacy notices. The same is true for the answer you get from us. Klarna processes this information to answer your questions.

From you:

  • Contact and identification data. 

  • Information about your contacts with Klarna’s customer service.

From other sources:

  • Information about your contacts with Klarna’s customer service. (Klarna)

When we have answered your question.

To handle voluntary blocks for using Klarna’s services, i.e. if you contact us and ask us to prevent you from being able to use our services. Your voluntary block can be lifted by you at any time by contacting us again.

From you:

  • Contact and identification data. 

  • Information about your contacts with Klarna’s customer service.

When you notify us that you no longer want to be blocked from using our services or withdraw your consent. We also cease this processing if and when you notify us that you no longer want to be a Klarna customer at all.

5. How do you withdraw your consent?

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

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

Lastly: As described in section 2 above you also have the right to object against certain personal data processing (for example you may turn off marketing). You also have a right to have certain personal data erased, which is also described in section 2. 

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

6.1 Klarna’s profiling of you as a customer.

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

The purpose of Klarna’s profiling and the personal data types used for each occasion and for each profiling are described in detail in section 4 above.

We use profiling for the following purposes:

  • to deliver our customised services, which customise their content based on what we think is most interesting or relevant to you (this applies to the Klarna mobile application, its various functions, when you interact with our customer service chatbot, and the order different payment methods that appear at Klarna’s checkout), and

  • to deliver customised marketing to you across both our own and external platforms and services.

Our services utilise machine learning models and artificial intelligence models in order to provide you with as relevant content as possible.

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

6.2 Klarna’s automated decisions that significantly affect you.

Automated decisions with legal effect, or automated decisions that similarly significantly affect you, means that certain decisions in our services are completely automated, without our employees being involved. These decisions have a significant effect on you as a customer, comparable to legal effects. By making such decisions automatically, Klarna increases its objectivity and transparency in the decision to offer you these services. At the same time, you have the right to request these decisions to be reviewed by a natural person. You can read about how to request these decisions to be reviewed by a natural person at the end of this section 6.2.

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

The different user behaviour and conditions are evaluated and weighted into our automated decision-models, so that we end up with a totalling score, which then results in either accepting or rejecting your use of our services. We can also choose to request further identification from you, if we are not sure who you are.

When does Klarna take automated decisions that significantly affect you?

We make this kind of automated decision when we:

  • decide to approve your application to use a credit service.

  • decide not to approve your application to use a credit service.
    These automated credit decisions are based on the data you provide to us, data from external sources such as credit bureaus’ credit worthiness reports, and Klarna’s own internal information about you if we have lent you money before. In addition to information about you, Klarna’s credit model includes a large number of other factors, such as Klarna’s internal credit risk levels and our customers’ general repayment rates (based on, for example, the current product category).

  • decide whether you pose a risk of fraud, if our processing shows that your behaviour indicates possible fraudulent conduct, that your behaviour is not consistent with previous use of our services, or that you have attempted to conceal your true identity. Automated decisions whereby we assess whether you constitute a fraud risk are based on information you have provided yourself, data from fraud prevention agencies (see section 7.2.3. for details of which ones we use), and Klarna’s own internal information. Klarna continuously develops our fraud models to keep our services secure, and closely investigate how fraudsters operate on different markets (for example which merchant categories or products are mostly subject to fraud attempts).

  • decide whether there is a risk of money laundering, if our processing shows that your behaviour indicates money laundering. In relevant cases, Klarna also investigates whether specific customers are listed on sanction lists. 

The personal data types used in each decision are described in section 4. See section 7 for more information about whom we share information with as regards profiling during automated decisions. 

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

Your right to request these automated decisions to be reviewed by a natural person

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

7. Who do we share your personal data with?

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

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

7.1.1 Suppliers and subcontractors. 

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

Purpose: Klarna needs access to services and functionality from other companies where it cannot perform them itself. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.1.2 Klarna Group. 

Description of the recipient: Companies in the Klarna Group.

Purpose: This is required for Klarna to be able to provide you with its services and functionalities. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

When you shop in a foreign store (meaning a store located outside of Switzerland) that has an agreement with another company within the Klarna Group, the disclosure of your personal data between Klarna companies is required in order for the two Klarna companies to manage your payment and enable the foreign store to administer your purchase.

The receiving Klarna Group company will handle your personal data in accordance with the privacy notice that applies in your country (see list). You can read more about how Klarna safeguards your personal data when transferred outside of Switzerland and/or the EEA in Section 8.

7.1.3 A person who holds a power of attorney for your financial affairs. 

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

Purpose: This processing is carried out to facilitate your contact with us (through agents).

7.1.4 Authorities. 

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

Purpose: Personal data is shared with the authority when we are required by law to do so, or in some cases if you have asked us to do so, or if required to manage tax deductions or counter crime. An example of a legal obligation to provide information is when it is necessary to take measures against money laundering and terrorist financing.

7.1.5 Divestment of business or assets.

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

Purpose: This is required for Klarna to be able to sell such business or assets.You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

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

7.2.1 Stores.

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

Purpose: In order for the store to be able to perform and manage your purchase and your relationship with the store or its group companies, e.g. by confirming your identity, sending goods, handling questions and disputes, in order to prevent fraud and, where appropriate, send relevant marketing. The store’s privacy notice applies to the processing of your personal data that has been shared with the store and that the store processes. Normally, you will find a link to the store’s privacy notice on the store’s website.You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.2.2 Payment service providers and financial institutions.

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

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

7.2.3 Fraud prevention agencies and companies providing identity checks.

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

Purpose: Klarna shares your information and information whether a certain transaction constitutes potential fraud to verify your identity, the accuracy of the data you have provided, and to combat fraudulent and criminal activities. The companies with which we work are listed here. Please note that these companies process your data in accordance with their own data privacy notices.

You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.

7.2.4 Google.

Description of the recipient: When you use Google Maps at checkout or in the Klarna App (for example, by searching your address in the address bar, viewing “stores near me” or requesting information on nearby deals and offers), your personal data will be shared with Google. Google will process your data in accordance with Google Maps/Google Earths terms of service and privacy policy

Purpose: Klarna shares this information to offer you a better customer experience.You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

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

7.3.1 Credit information bureaus.

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

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

In Switzerland, Klarna sends the credit bureau your name, address, and phone number in order to receive the lookup on you. Our credit lookup does not affect your credit rating.

The credit bureau will process your information in accordance with their own privacy notices and you can find out which ones we cooperate with here. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.

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

7.3.2 Debt collection companies (for debts that are overdue).

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

Purpose: This data is shared to collect your overdue debts. Debt collection companies process personal data in accordance with their own privacy notices, or only on behalf of Klarna in their capacity as Klarna’s data processors. Debt collection companies may report your unpaid debts to credit information bureaus or authorities, which may affect your creditworthiness and your ability to apply for future credit. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. 

7.3.3 VISA and digital wallet suppliers.

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

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

7.3.4 Debt acquirers (for open debts).

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

Purpose: Upon transfer of your debt to an acquirer and continuously until you pay off the debt, Klarna will share your contact and identification information (name, date of birth, social security number, address, and phone number), information about your financial standing (such as residual credit, repayments and any negative payment history in relation to the current debt), as well as information about the goods or services associated with the debt. The buyer will process your personal data in accordance with its own privacy notice, which you will receive information about when the debt is transferred. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

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

7.4.1 Credit institutions and other financial institutions.

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

Purpose: If you have made payments to a Klarna account, Klarna will process the information we receive from the bank you used for the transaction, such as contact and identification data and payment information. If you make transactions or payments to accounts in other banks, Klarna will also pass on some of your contact and identification data as well as payment information to the recipient and also to the recipient’s credit institution or financial institution.

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

You may find the terms for the Klarna Shopping Service here.

7.5.1 Affiliate Networks.

Description of the recipient: When you choose to click on a sponsored link in the Klarna mobile application or on our website that links to a store, product or service, you will be redirected to another company’s website through a third party, known as an affiliate network. Here you can learn which affiliate networks Klarna cooperates with (presented in the left column). The affiliate networks will process your device information in accordance with their own privacy notices (you will find these privacy notices in the right column in the same link as referenced above). The store you visit through a sponsored link determines which affiliate network processes your information. Usually a store only cooperates with one affiliate network. You can get more information about which network by contacting us (or the store). 

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

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

7.5.2 Google.

7.5.2.1 reCAPTCHA

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

Purpose: ReCAPTCHA service are used to prevent misuse of our services (for example by preventing bots from trying to log in and SMS toll fraud). Google will process this information in accordance with its terms of service and privacy policy. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.

7.5.2.2 Google Maps

Description of the recipient: In order to show where your parcel will be delivered on an integrated map in the Klarna mobile application, we share the relevant delivery address with Google. Google will process your data in accordance with Google Maps’/Google Earth’s terms of service and privacy policy.

Purpose: Klarna shares this information to offer you a better customer experience. By using Google Maps we are able to show you the delivery address on an integrated map in the Klarna mobile application. You have the right to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights and how to use them.

7.5.3 Partners within the framework of the Personal Finance service and the offer and benefit program.

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

Purpose: If you choose to take advantage of Klarna’s offers and benefits within the framework of the Personal Finance service or the offer and benefits program, Klarna will share the personal data required for you to take advantage of the offer with our business partners (which includes the fact that you are a Klarna customer). Each offer specifies the data that will be shared.

7.5.4 Logistics and transport companies.

Description of the recipient: Logistics and transport companies.

Purpose: Klarna will share your personal data with logistics and transport companies that deliver the goods you order if you have signed up for parcel tracking. Examples of information we share are contact and identification data and tracking numbers. Logistics and transport companies process your data in accordance with their own privacy notices.

7.5.5 Advertising services. 

Description of the recipient: Third party advertising services.

Purpose: Klarna will share your personal data with third party advertising services in order to show you more relevant advertising outside of the Klarna App, based on your interaction with Klarna’s products and services and your Klarna profile. Klarna will also share this data to assess the relevancy of certain third party advertising services. Some third party advertising services will use your data for their own purposes and in accordance with their own privacy policies, available here. You can also get more information about this sharing or how to exercise your rights in regards to these companies by contacting us. You can revoke your consent at any time in the Tracking Technology settings in the Klarna App. You can also object to this processing - to the same effect as revoking your consent. See section 2 for more information about your rights.

This processing may constitute profiling which aims to customise the marketing based on what we think you may be interested in. You can read more about profiling in section 6.

7.5.6 SIWK third-party apps and services

Description of the recipient: When you sign in with Klarna (through “SIWK”) at a third-party app store or service, Klarna will share your personal data with the third-party app or service.

Purpose: To carry out the Sign In With Klarna functionality.

7.5.7 Fraud prevention agencies and companies providing identity checks.

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

Purpose and legal basis: Klarna shares your information and information whether a certain transaction constitutes potential fraud to verify your identity, the accuracy of the data you have provided, and to combat fraudulent and criminal activities. The companies with which we work are listed here. Please note that these companies process your data in accordance with their own data privacy notices. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.

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

7.6.1 Social media.

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

Purpose: If you contact us via social media such as Facebook or Twitter, your personal data will also be collected and processed by these companies, in accordance with their privacy notices.

8. When can we transfer your personal data outside of Switzerland, the EEA and/or the UK, and how do we protect it then?

We always strive to process your personal data within Switzerland and the EEA and/or the UK area. But in certain situations, such as when we share your information within the Klarna Group or with a supplier, subcontractor or store which operates outside of Switzerland, the EEA and/or the UK, your personal data may be transferred outside of Switzerland, the EEA and/or the UK.

Personal data may in particular be transferred to the following countries: USA and to countries in the EEA.

Whereas Switzerland, the EEA and the UK are considered as providing for an adequate level of data protection, other countries, such as the USA, do – from a Swiss perspective – not ensure such adequate level of data protection (the "Third Party Countries"). Such Third Party Countries may, in particular, have laws that allow public authorities to request access to personal data stored in the country for the purpose of combating crime or safeguarding national security.

For such Third Party Countries, we contractually bind the recipients of personal data to comply with an adequate level of data protection by entering into appropriate contracts with the recipients based on the EU Standard Contractual Clauses in their revised version and as adapted for Switzerland. In certain cases, we may not enter into appropriate contracts but rely for such data transfer to Third Party Countries on exceptions as provided for by applicable law.

Your rights in respect to your personal data (described in detail in section 2), are not affected when data is transferred outside of Switzerland and/or the EEA. More information about the recipients Klarna shares your data with you can find in section 7.

You find more information about which countries are deemed to have an “adequate level of data protection” in Annex 1 to the Federal Ordinance on Data Protection (the "FODP").

Despite the above, if the store where you choose to shop is located in a country outside of Switzerland, the EEA and/or the UK, our data sharing with that store (and with the Klarna entity that store has contracted with) means that your personal data will be transferred to and processed in this country outside of Switzerland, the EEA and/or the UK. Click here to access the privacy notices for other Klarna entities in the Klarna Group. Otherwise it would not be possible to administer your purchase. Klarna primarily relies on the European Commission’s standard clauses to ensure the protection of your personal data for such data transfers, but as set out above, countries where the foreign store is located may have laws preventing the efficient protection by the standard clauses. Even if this is the case, your personal data will still be transferred to the foreign store (or the foreign store’s local Klarna entity), as long as the data transfer is necessary to administer your specific purchase.

If you want more information about our safety measures you can always contact us. You can find our contact information in section 12.

9. How long we store your personal data

How long Klarna stores your personal data depends on the purposes for which Klarna uses the personal data:

  • Personal data used for the contractual relationship between you and Klarna is generally stored for the duration of the contractual relationship and thereafter for a maximum of 10 years based on statutes of limitations.

  • Personal data that Klarna is under a legal obligation to retain, for example under anti-money laundering laws or bookkeeping laws, is generally retained for 5 and 7 years respectively.

  • Personal data which is not used for the purposes of your contractual relationship with Klarna or where Klarna does not have a legal obligation to retain the data is only retained as long as necessary to fulfill the respective purpose for our data processing (and will usually be deleted three (3) months thereafter). More information can be found in the table in section 4.

In some limited cases, the personal data may need to be stored for a longer period because of capital adequacy laws which Klarna has to comply with.

The legal obligations referred to above mean that Klarna can not delete your personal data, even if you request us to delete it, as described in section 2. Even in the absence of a legal obligation to retain the personal data, we might decide not to delete your personal data If we assess that we may require the personal data in order to protect Klarna from legal claims.

Please note that just because we have a legal obligation to store your personal data, this does not mean that we are also permitted to use this data for any other purpose. Klarna will make an assessment for each specific purpose of how long we may use your personal data. You can read more about this in section 4. 

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

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

11. Updates to this privacy notice

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

12. Klarna contact information

Klarna Bank AB (publ) is registered with the Swedish Companies Registration Office with company number 556737-0431 and its registered office is located at Sveavägen 46, 111 34 Stockholm.

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

Please visit www.klarna.ch for more information about Klarna.