Automated decisions can affect whether you can use Klarna's services or how much credit you are offered, and you may have the right to request human review of decisions that negatively affect you.
Klarna collects extensive personal data including financial information, purchase history, and behavioural data, and shares it with a broad range of third parties including merchants, credit reference agencies, and advertising partners. This means your shopping habits and financial profile may be used for credit decisions and targeted advertising beyond what you might expect from a payment service. You can review and exercise your data rights β including access, deletion, and portability β by logging into your Klarna account and visiting the privacy settings section.