Klarna Privacy Policy

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 have over your data. You can request access to your data or ask Klarna to delete it, but be aware that requesting deletion ends all your agreements with Klarna and permanently removes your access to your account and order history. Klarna is also required by law to keep some of your data even after a deletion request because it operates as a bank.

Klarna's Privacy Policy establishes the basis on which Klarna collects, uses, retains, and shares personal data in connection with its banking and financial services. It sets out Klarna's collection of contact, identity, financial, device, and interaction data for fraud prevention, anti-money-laundering compliance, credit eligibility assessment, and debt collection, and provides for conditional data sharing with a select number of third parties depending on the service used. The policy recognizes user rights to access, deletion, and opt-out of certain third-party data sharing, while specifying that Klarna's legal obligations as a bank require retention of certain data even following a deletion request. Exercise of the deletion right carries irreversible consequences: all user agreements with Klarna are terminated and access to account history and previous orders is permanently lost.

Klarna collects a broad range of personal and financial information — including data from third-party sources such as credit agencies, stores, and public databases — and uses it for credit eligibility decisions, fraud protection, and debt collection. You have the right to access a copy of all personal data Klarna holds about you at any time, the right to request deletion of your personal data, and the right to opt out of certain sharing of your non-public personal information with unaffiliated third parties. Before submitting a deletion request, note that doing so will permanently terminate all your agreements with Klarna and remove your access to your account and previous orders, and that Klarna will still retain certain data as required by law.