The document states that requesting data deletion will result in termination of all agreements with Klarna and loss of access to order history and account, while Klarna retains certain data for legal compliance and fraud prevention purposes even after a deletion request.
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 links the exercise of a data deletion right to termination of all Klarna agreements and account access, which is an operational consequence that consumers should be aware of before initiating a deletion request; the breadth of this linkage may warrant evaluation under GDPR's right to erasure framework, which does not generally condition erasure on agreement termination.
Interpretive note: The legal basis for linking data erasure to agreement termination under GDPR is not addressed in this document, and whether this constitutes an impediment to the exercise of Article 17 rights depends on supervisory authority interpretation and jurisdiction.
Under this provision, exercising the right to data deletion terminates all Klarna agreements and results in loss of access to account history and previous orders. The document states that certain data will be retained despite the deletion request based on legal requirements applicable to Klarna as a bank and for fraud prevention under a stated legitimate interest basis.
Cross-platform context
See how other platforms handle Data Deletion and Agreement Termination and similar clauses.
Compare across platforms →"You have the right to request the deletion of your personal data. When you exercise your right to be forgotten, your data will be deleted, and all agreements you have with us will be terminated. As a bank, we are required by law to retain certain personal data even after your deletion request. We may also retain certain information based on legitimate interest to protect you and us, such as for fraud prevention purposes. Once you have exercised your right to be forgotten, you'll no longer be able to access previous orders or your account.Excerpt from Klarna's Privacy Policy
1) REGULATORY LANDSCAPE: GDPR Article 17 establishes the right to erasure, subject to exceptions including legal obligations and legitimate interests such as fraud prevention.
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This provision links the exercise of a data deletion right to termination of all Klarna agreements and account access, which is an operational consequence that consumers should be aware of before initiating a deletion request; the breadth of this linkage may warrant evaluation under GDPR's right to erasure framework, which does not generally condition erasure on agreement termination.
Under this provision, exercising the right to data deletion terminates all Klarna agreements and results in loss of access to account history and previous orders. The document states that certain data will be retained despite the deletion request based on legal requirements applicable to Klarna as a bank and for fraud prevention under a stated legitimate interest basis.
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