When you use Klarna to pay at a retailer, Klarna shares relevant personal data about you with that merchant, which may include your contact details, transaction information, and certain profile data.
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
Data sharing with retail merchants is operationally necessary for Klarna to execute its core payment service function. The provision establishes the institutional basis for transmitting transaction and customer information to third parties who participate in order completion and merchant systems.
Your personal and transaction data is passed to the retailers you shop with through Klarna, expanding the number of organisations that hold your information and potentially subjecting your data to different privacy standards.
How other platforms handle this
Protect us, our business, our users, and others, for example to enforce our terms of service, prevent spam or other unwanted communications, and investigate or protect against fraud
we may use, retain or share information with law enforcement or others in circumstances where a person's vital interests require protection, such as in the case of emergencies.
we may share data between our affiliates for the safety and security of our users and may take necessary actions if we believe you have violated these Terms, including banning you from our Services and/or our affiliates' services...
Merchant data sharing creates joint controller or controller-to-controller data transfer relationships under GDPR, requiring appropriate legal mechanisms and potentially Data Processing Agreements.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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Data sharing with retail merchants is operationally necessary for Klarna to execute its core payment service function. The provision establishes the institutional basis for transmitting transaction and customer information to third parties who participate in order completion and merchant systems.
Your personal and transaction data is passed to the retailers you shop with through Klarna, expanding the number of organisations that hold your information and potentially subjecting your data to different privacy standards.
ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.
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