What can I do about this clause?

{'method': 'EMAIL', 'recipient': 'privacy@klarna.com', 'difficulty': 'MODERATE', 'action_type': 'DELETE_DATA', 'instructions': 'Email privacy@klarna.com to object to data sharing with marketing partners or to request deletion of data shared with third parties, citing your right to object under GDPR Art. 21 or your CCPA/CPRA opt-out rights.', 'deadline_days': 30, 'deadline_hours': None}

Which regulatory agencies enforce this type of clause?

{'agency': 'FTC', 'reason': 'FTC has authority to challenge unfair or deceptive data sharing practices with marketing and advertising partners under FTC Act Section 5.', 'complaint_url': 'https://reportfraud.ftc.gov/'}, {'agency': 'State_AG', 'reason': 'California AG and CPPA have authority to enforce CCPA/CPRA opt-out of sale/sharing rights for California consumers.', 'complaint_url': 'https://www.naag.org/find-my-ag/'}

What is the severity of this clause?

ConductAtlas classifies this Data Sharing with Third-Party Merchants and Marketing Partners clause as high severity. Severity reflects the magnitude of rights affected, the breadth of users impacted, and the degree of discretion the platform retains.

Data Sharing with Third-Party Merchants and Marketing Partners — Klarna

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What it is

Klarna shares your name, contact details, purchase history, and payment information with the retailers you shop at through Klarna, and with advertising companies who use it to target ads at you on other websites and apps.

Consumer impact (what this means for users)

Purchase history and payment data shared with marketing partners can result in highly targeted advertising based on your financial behavior, and this data may be combined with other information held by those partners to build detailed consumer profiles.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.

Delete Your Data
Within 30 days
Email privacy@klarna.com to object to data sharing with marketing partners or to request deletion of data shared with third parties, citing your right to object under GDPR Art. 21 or your CCPA/CPRA opt-out rights.

Cross-platform context

See how other platforms handle Data Sharing with Third-Party Merchants and Marketing Partners and similar clauses.

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Why it matters (compliance & risk perspective)

Your financial and behavioral data flows to a broad network of merchants and ad-tech companies, meaning information about your purchases can influence advertising you see far beyond the Klarna platform.

View original clause language

We share your personal data with merchants you interact with through Klarna's services, including your name, contact details, purchase history, and payment information. We also share data with marketing and advertising partners to enable targeted advertising and to measure the effectiveness of marketing campaigns. These partners may use the information to serve you personalized advertisements across other platforms.

Institutional analysis (Compliance & legal intelligence)

REGULATORY FRAMEWORK: GDPR Arts. 6(1)(b)/(f) and 7 govern lawfulness of data sharing; GDPR Art. 28 requires data processing agreements with all processors; Art. 26 governs joint controller arrangements with merchants. CCPA/CPRA §1798.120 grants California consumers the right to opt out of sale and sharing of personal information. UK GDPR and PECR (Privacy and Electronic Communications Regulations 2003) govern electronic marketing. FTC Act Section 5 applies to deceptive data sharing practices in the US.

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Applicable agencies

FTC

FTC has authority to challenge unfair or deceptive data sharing practices with marketing and advertising partners under FTC Act Section 5.
File a complaint →
State AG

California AG and CPPA have authority to enforce CCPA/CPRA opt-out of sale/sharing rights for California consumers.
File a complaint →

Provision details

Document information

Document

Klarna Privacy Policy

Entity

Klarna

Document last updated

April 29, 2026

Tracking information

First tracked

April 27, 2026

Last verified

April 27, 2026

Record ID

CA-P-003478

Document ID

CA-D-00166

Evidence Provenance

Source URL

https://www.klarna.com/us/privacy/

Wayback Machine

View archived versions →

SHA-256

bfbac757c06748a3aa551a759cd3abf415605416813542dd2a529a21bc5bd714

Verified

✓ Snapshot stored ✓ Change verified

How to Cite

ConductAtlas Policy Archive
Entity: Klarna | Document: Klarna Privacy Policy | Record: CA-P-003478
Captured: 2026-04-27 13:38:29 UTC | SHA-256: bfbac757c06748a3…
URL: https://conductatlas.com/platform/klarna/klarna-privacy-policy/data-sharing-with-third-party-merchants-and-marketing-partners/
Accessed: May 2, 2026

Classification

Severity

High

Data Sharing with Third-Party Merchants and Marketing Partners