Klarna and its advertising partners use cookies to track your online behavior across websites and show you targeted ads; you can adjust or withdraw your cookie consent through Klarna's cookie settings.
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
Your browsing activity may be tracked and shared with advertising partners to build a profile used for targeted advertising, and the effectiveness of your ability to limit this depends on how clearly and accessibly Klarna's consent controls are implemented.
Interpretive note: The practical adequacy of Klarna's cookie consent interface and withdrawal mechanism cannot be assessed from the policy text; compliance depends on implementation details not disclosed in the document.
This new provision explicitly discloses cookie-based tracking for behavioral advertising and provides user control mechanisms, addressing increased regulatory focus on tracking technologies.
View full change record →If you use Klarna's website or app, advertising trackers may collect data about your browsing behavior and share it with third-party advertising partners; you can limit this by accessing cookie settings on the Klarna site and withdrawing consent for non-essential cookies.
How other platforms handle this
We may display advertisements on our Services and those advertisements may be targeted to your interests based on your personal information. We may share your personal information with advertising partners for interest-based advertising purposes. You may opt out of interest-based advertising by visi...
src="https://trc.taboola.com/1142432/trc/3/json" ... src="https://www.googletagmanager.com/gtag/js?id=DC-15299257" ... src="https://tr.snapchat.com/config/com/af90c7f8-bd28-4988-b1ce-1711aad792f4.js" ... src="https://tr.snapchat.com/config/com/8fbe1595-8c5a-46b1-bbb2-66f3d57debde.js" ... src="https:...
We collect your personal data when you use our Services, create a new eBay account, provide us with information via a web form, add or update information in your eBay account, participate in online community discussions or otherwise interact with us.
Monitoring
Klarna has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"We and our advertising partners use cookies and similar tracking technologies to collect information about your browsing behavior and to show you relevant advertisements. You can manage your cookie preferences through our cookie settings. Some of these activities may require your consent, which you can withdraw at any time.— Excerpt from Klarna's Klarna Privacy Policy
REGULATORY LANDSCAPE: Cookie-based behavioral advertising engages the EU ePrivacy Directive (as implemented in national law), GDPR consent requirements, and the UK's PECR. Consent for non-essential cookies must be freely given, specific, informed, and unambiguous, and must be as easy to withdraw as to give. The relevant enforcement authorities are national DPAs for GDPR purposes and, in the UK, the ICO. In the US, California's CPRA treats certain cross-context behavioral advertising as the sharing of personal information, triggering opt-out rights. GOVERNANCE EXPOSURE: Medium. Cookie consent implementation has been a significant area of regulatory enforcement across the EU, with multiple large fines issued for pre-ticked boxes, dark patterns in consent interfaces, and inadequate withdrawal mechanisms. The adequacy of Klarna's cookie consent interface cannot be assessed from the policy text alone. JURISDICTION FLAGS: EU users benefit from ePrivacy Directive protections requiring prior consent for non-essential cookies. California users have CPRA opt-out-of-sharing rights for behavioral advertising. UK users are protected under PECR. US users outside California have more limited federal protections. CONTRACT AND VENDOR IMPLICATIONS: Advertising technology partners receiving behavioral data through Klarna's cookie infrastructure should be assessed for whether they qualify as data processors or independent controllers, and whether data processing agreements are in place and adequate. The onward transfer of behavioral data to advertising platforms may implicate additional transfer mechanism requirements. COMPLIANCE CONSIDERATIONS: Compliance teams should conduct a cookie audit to confirm that all non-essential cookies are fired only after valid consent is obtained, that the consent interface does not use dark patterns, and that withdrawal of consent is operationally effective in stopping further tracking. California-specific opt-out-of-sharing signals including Global Privacy Control should be assessed for technical compliance.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Monitor: 25 platforms + same-day alerts. No credit card required.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Your browsing activity may be tracked and shared with advertising partners to build a profile used for targeted advertising, and the effectiveness of your ability to limit this depends on how clearly and accessibly Klarna's consent controls are implemented.
If you use Klarna's website or app, advertising trackers may collect data about your browsing behavior and share it with third-party advertising partners; you can limit this by accessing cookie settings on the Klarna site and withdrawing consent for non-essential cookies.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Klarna.