Your shopping habits and financial activities are being used to build an advertising profile, which is then shared with external ad networks — meaning your data extends beyond the Klarna ecosystem.
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 — including access, deletion, and portability — by logging into your Klarna account and visiting the privacy settings section.