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Data protection at Klarna AB
Klarna AB (¨Klarna¨), Swedish organization number 556737-0431, treats personal data with the
utmost care. The collection, processing and use of this data are done in the context of the services
offered by Klarna services. Klarna does not use personal data for advertising nor marketing
purposes, nor will it be shared with third parties.
To be able to offer its services to buyers, Klarna will perform an identity- and credit check. When
selecting one of Klarna services as a payment option, the buyer agrees to Klarna‘s processing of
their personal data for the settlement of the account purchase, and an identity and credit check
required, the following personal information: first and last name, address, birth date, gender,
email address, IP address, telephone number and the data that are required for the settlement of
the purchase, such as the number of items, article number, invoice amount and tax percentage.
According to applicable law has Klarna a legitimate interest to process the personal data of the
buyer, which is required to to gather information from credit rating agencies for the purpose of
identity- and credit check. In Germany, this will be the following credit rating agencies:
Bürgel Wirtschaftsinformationen GmbH & Co. KG, Postfach 5001 66, 22701 Hamburg
CEG Creditreform Boniversum GmbH, Hellersbergstraße 11, 41460 Neuss
Deltavista GmbH, Freisinger Landstr. 74 80939 München
Arvato Infoscore Consumer Data GmbH and Infoscore Consumer Data GmbH,
Rheinstraße 99, 76532 Baden-Baden
SCHUFA Holding AG, Kormoranweg 5, 65201 Wiesbaden
As part of the decision on the establishment, implementation or termination of the contractual
relationship, Klarna will gather and use, apart from address verification, information on payment
history of the buyer and probability values of this behavior in the future. Amongst others address
data will be used for the calculation of these values.
The transfer of data to the credit rating agencies is done in accordance with the applicable law.
Data with regard to non-conform contract payment behavior with regard to claims or contested
claims can, in accordance with the applicable law and in case of a legitimate interest, be
transferred the above agencies in accordance with § 28a BDSG. Consumers can contact the
agencies listed above for information on the personal data stored on them.
Besides the use of personal data for the purpose of the identity and credit checks, personal data
will be processed in accordance to applicable law for internal statistical and analytical purposes.
When selecting one of Klarna services as a payment option, the buyer agrees to Klarna Group
processing their personal data for the purpose of risk management and the development of
Klarna services.
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Of course, users can revoke their permission for the use of personal data and request access to
the by Klarna stored personal data, which is a right according to applicable law. If consumers
wish to do so or notify changes with regard to the by Klarna stored data, they can contact Klarna
by emailing to [email protected].
If the consumer revokes his consent to the use of personal data, Klarna will still be entitled to
process the personal data, insofar as this is necessary for the providing of the requested and/or
used service(s), required by law, or is required by a court or an authority.
"Cookies" are small data files that are transferred from a Web server to your web-browser (eg
MS Internet Explorer or Mozilla Firefox) and your computer when you visit a website. If your
browser from accepting this information, the cookie will be stored in the browser, on the hard
disk or in memory of your computer and is active until the specific "expiration date" will be
achieved. When a cookie reaches the expiration date, it is automatically deleted from the
appropriate directory by the browser. Brief information from a contact with the Web server can
be stored until the next contact with this web server. This can, for example, be information that
was gathered at the first visit of the website and, when the website is visited for the second time,
does not be collected again. This therefore leads to more efficient and effective use of the
website by the user.
Klarna AB uses cookies to offer you the best possible, tailored, online experience when you visit
Klarna’s website. When you allow Klarna to place cookies on your computer, the settings that
you set during a previous visit will be stored. When you visit the site again, you do not need to
enter them again. This general information does not enable Klarna to individualize our visitors.
No personal data is collected in this process.
You can determine the use and scope of cookies in your computer settings. You can set your
computer so that every time when a cookie is being placed, you are alerted or you can turn off all
cookies via your browser (in the Help function of your browser, you can learn how to change or
update your cookies correctly). We would like to point out that this is considered a computer
setting and these settings only apply for the computer on which it is made. If you use more than
one computer, the settings must be made on each computer.
Please note that parts of Klarnas website may not function properly if you disable cookies.
Klarna reserves the right, to change the ways and purposes in which cookies are used if
necessary. Klarna recommends that you regular review this site to learn about changes in the use
of cookies.
This website uses Google Analytics, a web analytics service provided by Google Inc..
("Google"). Google Analytics uses cookies to help the website analyze how users use the site.
The information generated by the cookie about your use of the website (including your IP
address) is transmitted to and stored by Google on servers in the United States. Google uses this
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information to track how you use the website, compiling reports on website activity for website
operators and providing other services relating to website activity and internet usage. Google
may also transfer this information to third parties where Google is legally required, or where
such third parties process the information on Google's behalf. Google will not associate your IP
address with other Google data. By using this website, you consent to the processing of data by
Google in the manner and for the purposes set out above.
You can decide whether to accept cookies, reject cookies or to set your browser into notifying
you when a cookie is set. This is done by adjusting the settings of your browser (eg Internet
Explorer, Mozilla Firefox and Chrome). It is also possible to delete cookies previously placed
through your browser.
Another possibility regarding the refusal of cookies is to install Google Analytics on the Google
opt-out Browser Add-on. This can be through this link:
http://tools.google.com/dlpage/gaoptout?hl=en. The add-on communicates with the Google
Analytics JavaScript (ga.js) to indicate that no information about the site visit should be sent to
Google Analytics.
Used on Klarna’s websites are plugins of the social network Facebook.com, which operates
under the name: Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, United States
("Facebook"). If you visit a website with a Facebook plug-in, a connection will be made with the
Facebook servers and the plugin will send information on the browser. Through this way the
information is send to the Facebook server, such as which of our web pages you have visited. If
you are logged in as a member of Facebook, Facebook will assign this information to your
personal Facebook account. When using the plug-in functions (such as clicking on the "Like"
button or submitting a comment) this information is also connected and added to your Facebook
account. You can only avoid this by logging out before using the plugin. For more information
on the collection and use the data by Facebook, on your rights and ways to protect your privacy,
please see the privacy policy of Facebook.
Used on Klarna’s websites is the "+1" button of the social network by Google Plus of Google
Inc., which operates under Google Inc., 1600 Amphitheatre Parkway, Mountain View,
California, 94043 USA, (hereinafter called "Google"). If you open a website with the "+1"
button, a link to Google's servers is made and the plugin will send information on the browser.
Through this way the information is send to the Google server, such as which of our web pages
you have visited. The "+1" button is not used to detect your visits on the Internet. Google audit
trail records when displaying a "+1" button of your browser history, and not permanently tet who
have visited a page with "+1" button also does not in any way. Google will store the information
about your visit to system maintenance and troubleshooting purposes for about two weeks. These
data are not structured in connected to individual profiles, usernames or URLs and will not be
forwarded by us. In case you are logged into Google Plus and use the "+1" button, Google will
record information about your Google Profile, the by you recommended URL, your IP address
and other browser-related information. If you cancel your +1, this information will be deleted. If
you have made your profile publicly available in the settings of Google Plus, your "+1" from
Google may be used together with your profile name and photo in Google services, such as in
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search results or in your Google profile, elsewhere on websites and other places on the Internet.
If you do not want Google to collect and use your data in the aforementioned manner, you must
log out of Google Plus before visiting our website. For more information on the collection and
use of data by Google, about your rights and options related to the protection of your privacy,
you can find in the data protection policy of Google:
http://www.google.com/intl/de/+/policy/+1button.html.
The Klarna website can contain links to third party websites. If you visit these websites, Klarna’s
privacy statement no longer applies. These sites have their own policies and procedures with
respect to (online) privacy which are applicable. Klarna advices you to read these policies before
you use the websites.
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