Automated fraud risk assessments can affect your ability to use Klarna's services or make purchases, and data shared with fraud prevention networks may persist for extended periods.
Klarna collects extensive personal data including financial information, purchase history, and behavioural data, and shares it with a broad range of third parties including merchants, credit reference agencies, and advertising partners. This means your shopping habits and financial profile may be used for credit decisions and targeted advertising beyond what you might expect from a payment service. You can review and exercise your data rights — including access, deletion, and portability — by logging into your Klarna account and visiting the privacy settings section.