Klarna Privacy Policy

This is Klarna's privacy policy explaining how the buy-now-pay-later and payments company collects and uses your personal data when you shop, apply for credit, or use their app. Most importantly, Klarna collects extensive financial and behavioral data — including your purchase history, device identifiers, and creditworthiness information — and shares it with merchants, marketing partners, and credit reference agencies. If you are in the EU, UK, or California, you have the right to access, delete, or port your data; you can exercise these rights through Klarna's in-app privacy settings or by contacting privacy@klarna.com.

This document is Klarna's privacy policy governing the collection, processing, and sharing of personal data by Klarna Bank AB and its group entities, with legal bases under GDPR Article 6 (legitimate interests, contractual necessity, consent) and applicable national laws across the EU, UK, US, and other jurisdictions. The policy obligates Klarna to process financial, behavioral, device, and identity data for payment facilitation, credit assessment, fraud prevention, marketing, and product development, while granting users rights to access, deletion, portability, and objection. Notably, the policy permits broad sharing with third-party merchants, marketing partners, credit reference agencies, and data brokers, and explicitly allows use of personal data for AI/ML model training and automated decision-making including creditworthiness assessments with limited human review disclosure. The policy engages GDPR (EU) 2016/679, UK GDPR, CCPA/CPRA (California Civil Code §1798.100 et seq.), Swedish Banking and Finance Act, PSD2, and consumer credit regulations across multiple jurisdictions; material compliance considerations include the adequacy of automated credit decision disclosures under GDPR Article 22, the sufficiency of consent mechanisms for marketing profiling, and cross-border data transfer safeguards under GDPR Chapter V.