Privacy and security | Klarna US (2024)

Built-in privacy

Your privacy comes first, our products are designed and built to safeguard your data while still being easy to use.

Always in control

You can easily manage, review, or delete your personal data through our App, website, or Customer Service.

Open and transparent

The reasons we collect and process your data are easily accessible and clearly outlined in our Privacy Policy.

Enhanced data protection

We only collect the information we need to give you the best experience possible and we use data encryption to keep it safe.

Privacy Policy

Klarna Shopping Service

Cookie handling

When you use Klarna, there are two ways we can receive your personal data:

1. Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.

2. Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service.

As we continuously work to elevate your shopping experience, we may use your data for a variety of reasons, for example:

• Verify your identity when you use our services or contact us

• Engage with you as a customer

• Provide you with the services you requested

• Give you an overview on your financial situation

• Understand your eligibility for Klarna products and services

• Communicate information on the products we offer

• Conduct customer satisfaction survey

• Carry out credit and fraud assessments

• Perform debt collection service

• Prevent IT attack

• Meet regulatory and legal requirements

For more detailed information about the different reasons for collecting and using each type of your data, see our

.

We value and respect your data, and always seek to improve your everyday interactions with us. Here are key ways your personal data, once shared with us, serves to benefit you:

• Paying with Klarna: We perform internal and third-party credit checks, gather contact and ID information, and analyze interactions with Klarna to understand your eligibility for our products and services.

• Autofill: We offer the option to save your contact, ID, and payment details for faster transactions. You can always opt-out in 'autofill settings' during checkout or via a form.

• Klarna App: We collect data on app interactions, past purchases, linked bank transactions, and preferred items to enhance the app experience and provide personalized offerings like tracking deliveries, price drop notifications, and financial overview.

• Support: We gather contact and ID details and document past conversations to ensure efficient, personalized support and faster response times.

• Safe shopping: We record contact and ID information, financial details, device data, and interaction information to protect against fraud and money laundering.

• Communication and Offers: We keep records of prior purchases, interactions, and device details to send updates, offers, and product recommendations.

For more detailed information on how we process your data, see our

.

Your information security and privacy is the most important to us at Klarna. These are some of the measures we take in our approach to protect your data:

• Investment in State-of-the-art Systems: Our advanced security infrastructure vigilantly monitors our ecosystem, identifying any suspicious activity.

• Proactive Risk Management: Before developing our products, we conduct rigorous risk assessments and implement preventive measures to maintain robust security.

• Data Encryption: We utilize appropriate encryption techniques to protect your data from unauthorized access.

• Limited Access within the organization: We ensure that only authorized individuals have access to your data.

• Compliance with Regulations: As a finance institution, we are subject to regular external audits which scrutinize our security protocols to maintain the highest standards.

There are a number of ways you can control the data we collect as well as the way we use it.

• Autofill: Within the Klarna App you can choose to opt out of the Autofill feature which automatically fills in relevant information when you make future purchases. You can choose to opt out of this feature in the ‘Autofill settings’ during address registration in your purchase checkout or reviewing our support section below.

• Marketing communication: In order to unsubscribe from marketing send-outs you can easily click on the ‘unsubscribe’ link at the bottom of each email. You can also opt out through the settings in the Klarna App under ‘Communication preferences’, or reach out to us via email stating your wish to opt out from marketing send-outs.

• Identification: You can personalize how you would like us to verify your identity before each purchase within the Klarna App. Simply go to the Klarna App and choose “Settings”/”Privacy & Security”

For more detailed information on how to control your data, see our

.

You can review and access a copy of all personal data that we store about you at any time. Simply fill in the request form below, and make sure to provide all email addresses that you have used with Klarna before. In order to complete your request, we need you to provide your complete and correct information to verify your identity.

Our Customer Service will handle your request and send you an encrypted PDF file via email. This file can include information connected to, for example, previous purchases you have made with Klarna and our products and services you have used.

You have the right to request deletion of your personal data. When you exerciseyour right to be forgotten, your data will be deleted and all agreements you have with us will be terminated. As a bank, we are required by law to retain certain personal data even after your deletion request. We may also retain certain information based on legitimate interest to protect you and us, e.g. for fraud prevention purposes.

Once you have exercised your right to be forgotten, you will no longer be able to access previous orders or your account. You can place new orders again after we have successfully deleted your data.

To request data deletion, simply fill in the request form below, and make sure to provide all email addresses that you have used with Klarna before. In order to handle your request, we need you to provide your complete and correct information to verify your identity.

Depending on the service you wish to use, we may need to share some of your data with a select number of third parties, for example partners (cloud computing platforms, payment service providers or advertising or marketing partners) or authorities. To give you some examples, the reason for this may be so we can store your data safely, administer your purchases with stores, abide by regulatory requirements, prevent fraud, carry out credit risk assessments, or conduct marketing or advertising.

You may opt out of certain types of sharing under GLBA; to limit our sharing of non-public personal information with unaffiliated third parties under Gramm-Leech-Bliley Act simply go to the Klarna app: sign in to the Klarna App, go to Settings, then “Privacy” to adjust your settings. If you don’t have the Klarna App, you can go to the WebApp at app.klarna.com, then log-in, click ‘’Settings’’, then “Privacy” to adjust your settings.

For more information, please read our

. If you are a California Resident, you can learn more on our

.

Pay it safe

Fraud detection is at the heart of Klarna's security. We can quickly respond to unusual activity on your account, and if needed, we will ask for an extra security step called a multi-factor authentication (MFA), which will ensure that it’s really you making a purchase and giving you peace of mind that your financial information is safe.

Shop securely with buyer protection

If you shop with Klarna and run into issues, like your order doesn't arrive or it's not what you expected, we've got your back. Just give the store a chance to sort it out first, and if that doesn't help, we'll step in to help you get a refund and even pause your payments in case of returns.

You’re in the driver’s seat

When it comes to your data, it isn’t just a question of keeping it safe, it’s about making it easy for you to be in control of your information. We’ll also send you a notification whenever you make a change to your account and an alert with every new login into you account.

Before sharing information online, research the company, check reviews, and confirm valid contact information.

Make sure the website is legit and secure. Double check the website’s URL is spelled correctly. Also, look for "https://" in the URL which means the data you send to the site is encrypted, providing an extra layer of security. Especially when using public Wi-Fi networks.If something feels off, trust your instincts.