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This provision establishes the operational framework for credit decisioning at Klarna: automated systems generate initial determinations, but the clause creates procedural pathways for consumer review and contestation, thereby establishing a dual-track decision process rather than purely algorithmic determinations.
Users are subject to automated creditworthiness assessments that directly affect service approval and terms offered, but the provision grants explicit rights to request human review of these decisions and to contest determinations made through automated means.
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"We use automated decision-making, including profiling, to assess your creditworthiness and to prevent fraud. This means we use technology to make decisions about you without human involvement. These decisions can affect whether we offer you our services and on what terms. You have the right to obtain human intervention, express your point of view, and contest the decision.— Excerpt from Klarna's Klarna Privacy Policy
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This provision establishes the operational framework for credit decisioning at Klarna: automated systems generate initial determinations, but the clause creates procedural pathways for consumer review and contestation, thereby establishing a dual-track decision process rather than purely algorithmic determinations.
Users are subject to automated creditworthiness assessments that directly affect service approval and terms offered, but the provision grants explicit rights to request human review of these decisions and to contest determinations made through automated means.
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