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 establishes a broad operational basis for using customer data in AI/ML development activities beyond the primary service delivery function. The clause operationalizes data use for model improvement across multiple risk and personalization dimensions, which expands the institutional purposes for which personal data is processed under the agreement.
The provision establishes that users' transaction, behavioral, and interaction data will be processed for AI and machine learning development as part of Klarna's service operations. Users operating under these terms accept data use for these specified machine learning purposes, with the protective measure of anonymization and aggregation applied where applicable.
How other platforms handle this
We may use aggregated, de-identified data derived from your use of our services, including document metadata and usage patterns, to develop, train, and improve our artificial intelligence and machine learning models and product features.
engage in any of the foregoing in connection with any use, creation, development, modification, prompting, fine-tuning, training, testing, benchmarking or validation of any artificial intelligence or machine learning tool, model, system, algorithm, product or other technology ("AI Tool").
We are simplifying our Terms of Use, including clarifications around the use of AI tools, and their data use. We have moved the terms that describe AI Features, which were previously written for a Creator audience and located under the AI-Based Tools Supplemental Terms and Disclaimer, into the User ...
Monitoring
Klarna has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"We use your personal data to develop, train, and improve our artificial intelligence and machine learning models. This includes using your transaction data, behavioral data, and interaction data to enhance our fraud detection, credit assessment, and personalization capabilities. We take steps to protect your data when used for these purposes, including anonymization and aggregation where possible.— Excerpt from Klarna's Klarna Privacy Policy
How Meta, TikTok, and Supabase restructured governance language across documents, jurisdictions, and consent frameworks through incremental document updates.
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
This provision establishes a broad operational basis for using customer data in AI/ML development activities beyond the primary service delivery function. The clause operationalizes data use for model improvement across multiple risk and personalization dimensions, which expands the institutional purposes for which personal data is processed under the agreement.
The provision establishes that users' transaction, behavioral, and interaction data will be processed for AI and machine learning development as part of Klarna's service operations. Users operating under these terms accept data use for these specified machine learning purposes, with the protective measure of anonymization and aggregation applied where applicable.
ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Klarna.