When Klarna relies on legitimate interests rather than your consent, you cannot simply withdraw consent to stop processing — you must instead object to the processing, which places the burden on you.
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.