Klarna Customer Service

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If you have questions about the privacy aspects of our services or would like to make a complaint, please contact Klarna customer service.

Additional Options and Rights – California Residents Only

California provides consumers with additional information and rights as related to their personal information. Klarna will not discriminate against you because you exercise any of the rights as described in this section. These rights do not apply, however, to any information we collect that is exempt from the California Consumer Privacy Act, such as non-public personal information that Klarna collects or discloses in providing a financial product or service for personal, family or household use. While this portion of the Privacy Notice does not apply to information that is exempt from the California Consumer Privacy Act, in the interest of transparency, we have identified certain categories of personal information that overlap with these categories of exempted data.

Categories of Data Collected, Sold, and Disclosed	Please see our Notice of California Consumer Data Collection and Sharing Practices.
Sale of Personal Information to Third Parties	You have the right to opt-out of the sale of some types of personal information. At present, Klarna does not sell personal information to third parties. Please note that your right to opt-out does not apply to our sharing of data with service providers, who are parties who are engaged to perform a function on our behalf and are contractually obligated to use the data only for that function. If our practices change in the future, we will provide you with the opportunity to opt-out before any such sale.
Access to Personal Information	You have the right to request from us access to personal information collected about you and information regarding the source of the data, the purposes for which we collected it, and the third parties and service providers with whom we shared it. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request. To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna. Klarna is not required to retain any personal information collected for a single, one-time transaction, if the information is not sold or retained in the ordinary course of business. Klarna is also not obligated to re identify personal information that it maintains in a deidentified state in the ordinary course of business. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.
Erasure of Personal Information	You have the right to request in certain circumstances that we delete any personal information that we have collected directly from you. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request. To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna. We may have a reason under the law why we do not have to respond to your request, or respond to it in a more limited way than you anticipated. If we do, we will explain that to you in our response. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.
Participation in Data Sharing for Financial Incentive	At this time, we do not offer consumers any financial incentives to share data with us. If that changes, we will seek your consent prior to sharing data.
Use of an Authorized Agent	Many of the rights provided to California Residents may be exercised by someone else at your direction, an Authorized Agent. If you would like to authorize another person to act on your behalf with regard to these rights, please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.
Additional Questions?	If you have any additional questions about the privacy aspects of our services please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.

Notice of California Consumer Data Collection and Sharing Practices

The California Consumer Privacy Act (“CCPA”) requires us to disclose certain information about our data collection and sharing practices to California residents, and to align this information to certain categories of personal information as enumerated in the law:

The specific pieces of personal information and the categories of personal information we have collected about consumers in the past 12 months.
The business or commercial purpose for collecting that personal information.
Whether we “sell” that category of information to third parties. An external party may be considered a third party in the below chart either because the purpose of sharing is not an enumerated business purpose under California law, or because our contract does not restrict them from using personal information for other purposes. To “sell” data means to sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, a consumer’s personal information by the business to another business or a third party for monetary or other valuable consideration.
Whether we disclose that category of information to “service providers,” which are external parties that we engage for business purposes and is restricted from using personal information for any purpose that is not related to our engagement.

Klarna does not engage in the practice of providing data to third parties in return for a financial benefit to us.

As a California resident, you may be entitled to additional rights regarding the collection and sharing of your data described in this Policy.

The following table summarizes the personal information we have collected or created about consumers in the prior 12 months and how we have shared with external parties. This table describes our practices generally; not all individual pieces of your personal information may be shared.

Klarna does not sell personal information and will not sell personal information, except as described in this Privacy Policy. If we ever decide to sell personal information, we will provide you with notice and a right to opt-out of such sale.

	Data Fields	Method of Collection	Purpose of Collection (in addition to the purposes listed below)	Shared with Service Providers
(A) Personal Identifiers	Name	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Phone Number	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Email Address	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Contact Address	Consumer provides when creating account or completing transaction	To provide advertisements and discounts for third party goods and services.	Yes
	Account Number	We generate and assign to consumer account	To provide advertisements and discounts for third party goods and services.	Yes
	Online Handle, user name or identifiers	Consumer creates when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	IP Address	Automatically when consumer visits website	To provide advertisements and discounts for third party goods and services.	Yes
(B) Additional Personal Identifiers	Credit/Debit card Number	Consumer provides when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	Age	Consumer provides date of birth when creating account	To provide advertisements and discounts for third party goods and services.	Yes
	Drivers License, Passport, or other government issued ID	Customer provides when confirming personal details		Yes
(D) Commercial Information	Actual and considered transactions are stored in consumer profile	Automatically when consumer visits website or uses the Services	To provide advertisements and discounts for third party goods and services.	Yes
	Information about your income, preferences, and opinions	Customer provides when participating in surveys, user experience testing or focus groups.	To provide advertisements and discounts for third party goods and services.	Yes
(F) Biometric Information	Faceprint	Consumer provides when creating account or completing transaction		Yes
(F) Internet or other electronic network activity information	Internet browsing data, IP address	Automatically when consumer visits website or uses the Services	To provide advertisements and discounts for third party goods and services.	Yes
(H) Geolocation Data	Geolocation of a personal device using the Klarna App.	Consumer Provides when using the Klarna App.	To provide advertisements and discounts for third party goods and services.	Yes
(H) Audio, electronic, visual, thermal, olfactory, or similar information	Video and Voice recordings	Interactions with Klarna, for example recorded telephone interactions with customer service or recorded video interactions as part of a user experience test or focus group.		Yes
	Email and chat communications	Emails sent by consumer to any Klarna email address; chat communications with Klarna Customer Service;		Yes
	Email Communication	Emails accessed while enrolled in the Email Connect Service	To provide advertisements and discounts for third party goods and services.	Yes
(K) Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics		Inferences may be generated through a series of computer processes	To provide advertisements and discounts for third party goods and services.	Yes

All listed categories of personal information, except as otherwise noted, are collected for the following business purposes in addition to purposes included in the table above:

To enable or effect, directly or indirectly, a commercial transaction involving the Klarna Services.
Performing services on behalf of Klarna or a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.
Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
Undertaking internal research for technological development and demonstration.
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
Debugging to identify and repair errors that impair existing intended functionality.

All non-public personal information that we collect (except through a Klarna Credit account with WebBank) is subject to the following Consumer Privacy Notice:

Rev. March 2021

FACTS	WHAT DOES KLARNA DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and payment history Transaction history and credit history Credit scores and account balances
How	All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Klarna chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Klarna share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions:	Call 1-844-552-7621 or go to www.klarna.com
Who is providing this notice?	Klarna, Inc.
How does Klarna protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Klarna collect my personal information?	We collect your personal information, for example, when you Open an account or use your credit or debit card Pay your bills or apply for a loan Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Klarna name, and financial companies such as Klarna Bank, AB, Sofort GmbH, BillPay GmbH
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Klarna does not share with non-affiliates so they can market to you
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Klarna doesn’t jointly market

California Residents: The California Consumer Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the act about personal data it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to the Gramm-Leach-Bliley Act. We will not share personal information that we collect about you with nonaffiliated third parties without your authorization except as permitted by law.

Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.klarna.com/us/legal or call 1-844-552-7621.