The document authorizes Klarna to share personal data with cloud computing platforms, payment service providers, advertising and marketing partners, and regulatory authorities, for purposes including fraud prevention, credit risk assessment, and marketing and advertising.
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
This provision authorizes sharing of personal data, which may include financial and behavioral data, with advertising and marketing partners, a category that engages GLBA NPI sharing opt-out requirements and CCPA sale or sharing disclosure obligations given the nature of the data Klarna processes.
Broadened scope from credit and fraud agencies specifically to general third parties including cloud platforms and marketing partners, with less emphasis on credit rating impact.
View full change record →Under this provision, personal data including purchase history, interaction data, and financial details may be shared with advertising and marketing partners depending on the services used. The agreement provides a GLBA-based opt-out mechanism for limiting sharing of non-public personal information with unaffiliated third parties, accessible through the Klarna app or web app settings.
Cross-platform context
See how other platforms handle Third-Party Data Sharing Including Advertising Partners and similar clauses.
Compare across platforms →"Depending on the service you wish to use, we may need to share some of your data with a select number of third parties, for example partners (cloud computing platforms, payment service providers or advertising or marketing partners) or authorities. To give you some examples, the reason for this may be so we can store your data safely, administer your purchases with stores, abide by regulatory requirements, prevent fraud, carry out credit risk assessments, or conduct marketing or advertising.Excerpt from Klarna's Privacy Policy
1) REGULATORY LANDSCAPE: GLBA requires financial institutions to provide notice and opt-out rights before sharing NPI with unaffiliated third parties, and this provision directly implicates that requirement given Klarna's bank status.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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This provision authorizes sharing of personal data, which may include financial and behavioral data, with advertising and marketing partners, a category that engages GLBA NPI sharing opt-out requirements and CCPA sale or sharing disclosure obligations given the nature of the data Klarna processes.
Under this provision, personal data including purchase history, interaction data, and financial details may be shared with advertising and marketing partners depending on the services used. The agreement provides a GLBA-based opt-out mechanism for limiting sharing of non-public personal information with unaffiliated third parties, accessible through the Klarna app or web app settings.
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