Highlights of change since last update of these Terms:
- Update in section 1. “Smoooth User Experience – Autofill and preferences”: Explains in more detail what a “smoooth user experience” means.
- Update in section 2. “Klarna App”: Klarna wants to provide you with the best shopping experience and offer you the ability to search for a wide range of stores in the Klarna App. We may not have a commercial relationship with all stores shown or searchable in the Klarna App. In these cases, Klarna acts like a web browser or search engine, thereby just redirecting you to the store’s website.
- Update in the section called “Changes to these terms”: When these terms are updated the information given in this section will apply. When a significant change is made to these terms in the future, we will notify you via email two months in advance.
- Update in the section called “Duration and termination of this Agreement”: This Agreement is for an indefinite period of time and continues until it is terminated by you or Klarna. Klarna will terminate your access to the App provided that all amounts owed to us by you (including late fees) have been paid in full, and no disputes and/or refunds are in progress. You will remain liable for all outstanding amounts that you owe to Klarna (including late fees) even after this Agreement has been terminated (by you or Klarna). In that scenario, we will provide information to you on how to make payments to us. Klarna may suspend, limit your access to our Services and/or terminate this Agreement where we reasonably consider it necessary to comply with our legal obligations or because you have not complied with this Agreement, examples can be found in the section ‘Duration and termination of this Agreement’. Klarna will give you a three months’ advance notice of any suspension, limitation or termination, but sometimes Klarna will not be permitted to tell you by law or where it will prejudice any investigation.
Last updates 06.09.2021
These terms and conditions represent an Agreement between Klarna Bank AB (“Klarna”, “we”, “us” or “our”) and you (“you” and “your”) when you use Klarna’s services and features as described in these terms, as may be amended from time to time (the “Service”). You sign up for the Service and enter into an Agreement with Klarna by accepting these terms on the first occasion that you use Klarna and create your User Account.
You can at any time access the latest version of these terms via the Klarna App or our website. You can also download the terms here.
Klarna User Account
When you use one of Klarna’s Payment Services in a merchant’s checkout for the first time or when you download and log in to the Klarna App, you acknowledge that a Klarna User Account will be created in your name.
Description of the Service
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 a “smoooth user experience” means.
Please note that additional terms may apply to a specific Payment Service if you choose to make your payment by using one of the Payment Services offered by Klarna.
1. Smoooth User Experience – 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 while shopping with Klarna
When using Klarna the first time you will be asked to create a Klarna User Account to make your future interaction with Klarna smoother. We will keep this information in our systems so that when you return to us or use our Service, you only need to provide some information to us. We will handle all personal information we collect in creating your Klarna User Account in accordance with our Privacy Notice.
When we are able to identify you, we may autofill some information about you in the purchase flow, such as name, address, telephone number, email, date of birth and card details. The autofill is based on the information stored on your Klarna User Account. An example of when autofill is used is when you shop directly from the Klarna App.
2. Klarna App
The Klarna App, provided to you by way of an app or a web portal is your online shopping assistant, constituting 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 Klarna App or logging in through the web portal, while others can be activated by you after login. Klarna wants to provide you with the best shopping experience and offer you the ability to search for a wide range of stores in the Klarna App. We may not have a commercial relationship with all stores shown or searchable in the Klarna App. In these cases, Klarna acts like a web browser or search engine, thereby just redirecting you to the store’s website. 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:
- 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, an overview of stores that we think you will like, as well as personalised recommendations, offers and other content
- Shop using Klarna’s payment methods – even at stores which do not yet use Klarna
- Order, delivery or parcel tracking
- Easy return handling and refunds
- Personal finance overview and management
- Display and storage of your transactions, purchases, receipts, images and other material
- CO2 emission footprint on your purchases
- View your orders made via stores or entities unrelated to Klarna
- Create and share collections of goods or services of your choice
- Share your transactions with other Klarna users
- An assistant that suggests to help you to fill in various information (such as payment method, card details, shipping address) by use of autofill
- 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 nicknames. 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) or ; transmitting content that contains viruses, Trojan horses, spyware, adware, malware, or other harmful or damaging programming; distributing unsolicited advertising (spam) or any other form of harassment.
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 Service 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’s Services.
Are there any costs for the Service?
This Service and other services offered by Klarna are free of charge. Please note that interest and fees may apply to the use of a specific Service offered by Klarna. So make sure you check the specific information for the Service that you use.
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”) and the “UK GDPR”), you give your explicit consent to us processing that data to perform our Service.
Please see our Privacy Notice for further information regarding our processing of your personal information and more information about your rights regarding your data. You can also find our contact information if you should have any questions.
When making a purchase with Klarna you may configure and use a number of different funding sources, including debit, credit or prepaid cards. Your funding source will be saved to your Klarna User Account until you edit/remove it from your user account or if the user account is deleted. By choosing to save your card details with Klarna you authorise Klarna to charge this funding source for any subsequent usage of Klarna when making purchases with us. You will not be charged until you make a purchase. If your default card funding source can’t be charged for a purchase, including instalment plans or subscriptions, if applicable, you authorize Klarna to attempt to charge your other card funding sources, registered to your Klarna User Account.
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 Service 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 Service 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 Service. 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 is abusive, threatening or offensive, or 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 rely on third party services, you authorize Klarna to utilize those services on your behalf.
The Klarna App is available through third-party distribution platforms (“Application Stores”). You may require prior registration with the relevant Application Store. Klarna has no influence on the collection, processing and use of personal data by the respective Application Store operators.
Changes to these terms
In order to provide you with an increasingly smooth user experience, we may make changes to these terms from time to time so you should check back regularly to see if anything has changed. However, if we make significant changes, we will give you two months’ advance notice of those changes. If you gave us your email address when you created your Klarna User Account, we will send the notice to that email address, but otherwise you will need to review these terms each time you log in to check for changes. We will make all changes easy to identify. You will need to agree to the changes the next time that you log in after the end of the notice period. If you do not agree to any changes, you may contact Customer Service to terminate this Agreement. More information on how to terminate this Agreement can be found under section “Duration and termination of this Agreement” below.
Duration and termination of this Agreement
This Agreement is for an indefinite period of time and continues until it is terminated by you or Klarna.
You may request to terminate this Agreement at any time, for any reason, by contacting us directly. Klarna will terminate your access to the App provided that all amounts owed to us by you (including late fees) have been paid in full, and no disputes and/or refunds are in progress.
You will remain liable for all outstanding amounts that you owe to Klarna (including late fees) even after this Agreement has been terminated (by you or Klarna). In that scenario, we will provide information to you on how to make payments to us.
Klarna may suspend, limit your access to our Services and/or terminate this Agreement where we reasonably consider it necessary to comply with our legal obligations or because you have not complied with this Agreement, for example:
- for the prevention of fraud;
- to limit the risk of money laundering and/or terrorism financing;
- to protect us against any legal or regulatory risks;
- we reasonably suspect, or are aware, that you have breached this Agreement in a material respect; or
- we otherwise reasonably consider your activity associated with the Klarna User Account to be in breach of the law.
Klarna will give you a three months’ advance notice of any suspension, limitation or termination, but sometimes Klarna will not be permitted to tell you by law or where it will prejudice any investigation.
If Klarna cannot provide the Service for any reason or ceases to provide the Service, Klarna may terminate this Agreement by providing three written months’ notice. Such notice will be provided to the email address registered to the relevant User Account.
Please note that in the event of termination of this Agreement, the use of the Service, including any features provided in, or managed via, the Klarna App, will no longer be available.
By accepting these terms you agree to that Klarna will use electronic communication when communicating with you. Payment information, terms, disclosures required by law and other information to you can be provided electronically, including via Klarna website, app, or the email address(es) that you provided to us.
Updating your contact information
It is your responsibility to ensure that Klarna has your current email address and mobile phone number, so that we can communicate with you electronically. If you need to update your primary email address, please contact Customer Service to make the change.
If you have questions about electronic communication in general, please contact Customer Service.
Assignment or transfer
You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time provided that such transfer does not alter your rights and obligations under these terms to your detriment.
Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99, e-mail: firstname.lastname@example.org, 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.
This Agreement is governed by the laws of England and Wales and is subject to the 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.
For complaints, the information provided on https://www.klarna.com/uk/feedback-and-complaints/ applies. By using our Service you consent and agree to that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s Customer Service webpage using the chat function or by giving us a call on (+44) 0808 189 3333.
We aim to handle all complaints promptly,
effectively and in a positive manner. If we do not resolve your
complaint to your satisfaction, you may, in some instances, be able 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.
For all other instances, you may refer your complaint to Klarna’s Complaints Adjudicator for an impartial review, using the form provided alongside your final response. For more information about how we handle complaints at Klarna, please refer to our complaints handling procedure.
Last updated 6th of September, 2021.