When you buy something using Klarna, the company shares your name, address, and purchase details with the retailer to complete the transaction.
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 personal data flows to merchants when you use Klarna at checkout; the merchant's own privacy practices then govern how that data is used, which may be different from Klarna's own policy.
Removal of specific merchant data sharing provision eliminates transparency about what data is shared with retailers and for what purposes, reducing user clarity on transaction-related data flows.
View full change record →This new provision clarifies merchant data sharing scope and purpose, reducing ambiguity from the previous generic 'Data Sharing with Retail Merchants' provision.
View full change record →Each Klarna-facilitated purchase results in your personal data being shared with the retailer, and your data is then subject to that retailer's privacy policy in addition to Klarna's, which means your data protection may vary significantly depending on which retailer you purchase from.
How other platforms handle this
We will also provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected.
to request that your data be transferred to a third party (data portability)
Your organization may allow you to access and export your data in order to back it up or transfer it to a service outside of Google.
"When you use Klarna to make a purchase, we may share relevant personal data with the merchant from whom you are purchasing, such as your name, delivery address, and transaction details, in order to fulfil your order and to enable the merchant to provide you with their products and services.Excerpt from Klarna's Privacy Policy
REGULATORY LANDSCAPE: Data sharing between Klarna and merchants engages GDPR's requirements for lawful basis for sharing (contractual necessity for order fulfilment is the most likely basis) and may require data processing agreements between Klarna and …
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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Your personal data flows to merchants when you use Klarna at checkout; the merchant's own privacy practices then govern how that data is used, which may be different from Klarna's own policy.
Each Klarna-facilitated purchase results in your personal data being shared with the retailer, and your data is then subject to that retailer's privacy policy in addition to Klarna's, which means your data protection may vary significantly depending on which retailer you purchase from.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
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