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.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The provision establishes Klarna's operational authority to leverage user behavioral information as part of its data monetization and advertising infrastructure, enabling targeted marketing operations across its service ecosystem.
This provision was replaced by the more specific 'Cookie-Based Behavioral Advertising' provision with explicit consent and withdrawal mechanisms.
View full change record →Klarna's use of your behavioural data for targeted advertising means your financial and shopping activity contributes to a commercial profile that can follow you across the internet through third-party ad networks.
How other platforms handle this
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We may share your personal information with third-party vendors and service providers that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. We may also share your personal information with busines...
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Klarna has changed this document before.
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Behavioural advertising data processing engages GDPR Articles 6(1)(a) and 6(1)(f) (consent and legitimate interests), CCPA/CPRA opt-out rights for California residents, and ePrivacy Directive cookie and tracking requirements for EU/UK users. Compliance teams should assess whether consent mechanisms meet the standard required for advertising purposes under GDPR.
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The provision establishes Klarna's operational authority to leverage user behavioral information as part of its data monetization and advertising infrastructure, enabling targeted marketing operations across its service ecosystem.
Klarna's use of your behavioural data for targeted advertising means your financial and shopping activity contributes to a commercial profile that can follow you across the internet through third-party ad networks.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Klarna.