Klarna's privacy policy explains what personal information they collect when you shop or make payments using their service, how they use it, and who they share it with. Klarna collects a wide range of data including your financial information, browsing behaviour, and device details, and shares it with retailers, credit agencies, and advertising partners. You have rights to access, delete, or move your data, and can adjust some privacy settings through your Klarna account.
Technical Summary
Klarna's privacy policy governs the collection, use, storage, and sharing of personal data across its consumer-facing payment, shopping, and financial services platforms. The document establishes legal bases for processing under GDPR and equivalent frameworks, identifies categories of data collected (including financial, behavioural, and device data), and outlines data subject rights including access, erasure, portability, and objection. Notably, Klarna discloses sharing of personal data with merchants, credit reference agencies, fraud prevention services, and advertising partners. The policy applies globally with jurisdiction-specific provisions for EU, UK, California, and other regulated markets.
Institutional Analysis
This policy engages primarily with GDPR (EU and UK), CCPA/CPRA for California residents, and relevant financial services data regulations given Klarna's status as a licensed payment institution. Comp…
This policy engages primarily with GDPR (EU and UK), CCPA/CPRA for California residents, and relevant financial services data regulations given Klarna's status as a licensed payment institution. Compliance teams should note the breadth of data sharing with third-party merchants, credit reference ag…
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Klarna shares your personal and financial data with credit reference agencies, which means information about how you use Klarna's services — including payment behaviour — can appear on your credit file.
Klarna collects data about your browsing behaviour, purchase history, and device activity and uses this to serve you personalised advertisements, including through third-party advertising partners.
Klarna may use automated systems to make decisions about you — such as whether to approve a purchase or assess your creditworthiness — without a human reviewing the decision.
When you use Klarna to pay at a retailer, Klarna shares relevant personal data about you with that merchant, which may include your contact details, transaction information, and certain profile data.
Klarna processes some of your personal data based on what they call 'legitimate interests' — meaning they have decided their business reasons for using your data outweigh your privacy interests, without asking for your consent.
Klarna may transfer your personal data to countries outside the EU or UK, including countries that may not have the same level of data protection laws as your home country.
Klarna uses your personal data to assess fraud risk and may share data with fraud prevention agencies and other financial institutions for this purpose.
Klarna retains your personal data for as long as necessary to provide services and comply with legal obligations, which may mean your data is kept for several years after you stop using Klarna.
California residents have additional rights under state law, including the right to know what personal information Klarna sells or shares, the right to opt out of the sale or sharing of their data, and the right not to be discriminated against for exercising these rights.
You have the right to request a copy of your personal data, ask Klarna to delete your data, or receive your data in a portable format to transfer to another service.