A Swedish fintech company that provides buy-now-pay-later payment solutions, allowing consumers to split purchases into installments or defer payments when shopping online and in-store. The company processes financial transactions and collects extensive consumer data including payment history, spending patterns, and personal information for credit decisions. Their policies are significant because they govern how consumer financial data is handled, define payment obligations and fees, and establish the terms under which credit is extended to users.
High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Klarna’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Users have a statutory opt-out right under GLBA that limits a specific category of data sharing, but only with unaffiliated third parties and only for certain types of sharing.
Data sharing with third parties is conditional on the service used, meaning the scope of sharing varies by product and users may not know in advance which services trigger sharing.
Loss of account and order history access is an irreversible consequence of exercising the deletion right, which users should be aware of before submitting a request.
A legal retention obligation means a deletion request does not result in complete erasure of all personal data, limiting the practical effect of the right to be forgotten.
Termination of all agreements is a significant legal consequence of a deletion request, affecting any active financial or service arrangements the user has with Klarna.
This document explains what personal information Klarna collects about you, how it uses that information — including for credit checks, fraud prevention, and debt collection — and what rights you …
This is Klarna's US legal page, which serves as a directory of legal agreements for Klarna's US financial products, including buy-now-pay-later plans, installment financing, the Klarna Card, and the Klarna …
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ConductAtlas tracks 2 Klarna documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Klarna has made 11 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 47 provisions across Klarna's tracked documents. 9 are rated high severity, 30 medium, and 8 low.
Yes. Monitor subscribers ($4.99/month) can add Klarna to their watchlist and receive same-day email alerts whenever any tracked document changes.