Klarna uses a legal justification called 'legitimate interest' to analyze your data and send you personalized marketing without asking for your explicit consent each time, though you can object to this processing.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Using legitimate interest rather than consent as a legal basis means Klarna does not need to ask your permission for certain profiling and marketing activities, though you retain the right to object, which may not be prominently communicated in the user experience.
Interpretive note: Whether Klarna's legitimate interest assessments for specific profiling activities have been documented and would withstand regulatory scrutiny cannot be assessed from the policy text alone; the adequacy of the balancing test is not disclosed.
Previous generic provision renamed and expanded to explicitly mention profiling and marketing with added emphasis on user right to object.
View full change record →Klarna may profile your shopping and payment behavior and use that data for targeted marketing based on its own assessment that this is in its legitimate interest; you have the right to object to this processing, and doing so should cause Klarna to stop using your data for those purposes unless it can demonstrate compelling grounds to override your objection.
How other platforms handle this
to object to profiling activities based on our own legitimate interests
You may also change your preference and "opt out" of receiving certain marketing communications from us by clicking the unsubscribe link included at the bottom of all such communications...
you may also have the right to: (i) opt out of processing of Personal Data for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects...and (iii) appeal any decision by ZipRecruiter...
"We process your personal data based on our legitimate interests, for example to send you marketing communications, to personalize your experience, to carry out analytics and research, and to improve our products and services. You have the right to object to this processing at any time.Excerpt from Klarna's Privacy Policy
REGULATORY LANDSCAPE: Reliance on legitimate interest as a legal basis for profiling and marketing engages GDPR Article 6(1)(f) and requires a three-part test: the legitimate interest must be identified, the processing must be necessary for …
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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Using legitimate interest rather than consent as a legal basis means Klarna does not need to ask your permission for certain profiling and marketing activities, though you retain the right to object, which may not be prominently communicated in the user experience.
Klarna may profile your shopping and payment behavior and use that data for targeted marketing based on its own assessment that this is in its legitimate interest; you have the right to object to this processing, and doing so should cause Klarna to stop using your data for those purposes unless it can demonstrate compelling grounds to override your objection.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Klarna.