Klarna builds a marketing profile using your purchase history, app behavior, and demographic information to send you personalized ads and offers. You can turn this off in the app settings at any time.
Your financial transactions and in-app behavior are combined to create a marketing profile that influences the ads and offers you receive both within and potentially outside the Klarna platform.
Cross-platform context
See how other platforms handle Marketing Profiling and Behavioral Targeting and similar clauses.
Compare across platforms →Klarna combines your financial transaction data with behavioral tracking to target you with personalized marketing, which goes beyond what many consumers would expect from a payment service.
REGULATORY FRAMEWORK: GDPR Arts. 6(1)(a) and 7 require freely-given, specific, informed, and unambiguous consent for marketing profiling; Art. 21(2) grants an absolute right to object to direct marketing profiling. PECR Regulations 22–24 (UK) require prior consent for electronic marketing. CCPA/CPRA §1798.120 grants California consumers the right to opt out of sharing personal information for cross-context behavioral advertising. CAN-SPAM Act and TCPA govern US marketing communications.
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Regulatory citations, enforcement risk, and due diligence action items.
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