SpanishKlarna is committed to letting you know how we will collect, use, store, share and protect your personal information when you transact with us. You accept this privacy policy (the “Privacy Policy”) whenever you access or use Klarna products, services, features, and technologies including the Klarna mobile app and www.klarna.com/us (the “Klarna Services”). Please read this Privacy Policy carefully. If you are a resident of California, you may have additional rights, described in our Additional Information for California Residents Section.
This Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites.
Additionally, if you use a Klarna/WebBank product, your non-public personal information will be subject to WebBank’s privacy notice and Klarna’s use of such information will be consistent with that privacy notice.
What type of information does Klarna collect?
Klarna collects two basic types of information from you in conjunction with your use of the Klarna Services (collectively, your “personal information”): (1) personally identifiable information; and (2) non-personally identifiable information.
Personally Identifiable Information is any information that can identify you.
Examples include your name, e-mail address, telephone number, postal address, device identifiers, IP addresses, geolocation information, and financial account information that you provide, such as credit or debit card numbers.
We may also collect personally identifiable information about you from third parties such as data vendors.
Aggregate and/or de-identified information is not considered personally identifiable information.
Non-personally identifiable information is information that does not identify you directly, but may be linkable to you.
Examples include demographic information and general location information.
If non-personally identifiable information is directly linked to personally identifiable information, it will be considered personally identifiable information while it is linked. For example, if your payment history and transaction history are linked to your name, then that information will be considered personally identifiable information and subject to heightened privacy and security restrictions, as reflected in this Privacy Policy.
How does Klarna Collect Information?
We collect information about you through:
Your interactions with or use of the Klarna Services;
Your contact with our customer support team;
Third parties, such as data vendors, your bank or merchants you perform a transaction with;
Through our websites, using cookies, Clear GIFs, web beacons, mobile application plug-ins and similar technologies.
Cookies are small files that are stored on your computer or device when you use the Klarna Services. Cookies record your preferences and the actions you take on your computer or device. We may also use web beacons and mobile application plug-ins, such as software development kits, application programming interfaces and similar technologies. We use these and other similar technologies for security, to monitor traffic, improve the Klarna Services, and make the Klarna Services easier to use and more relevant to you. We may also use these technologies to personalize your experience, deliver advertisements, and for research and marketing.
Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with the Klarna Services to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.
Third Party Analytics We may use automated devices and applications to evaluate usage of our Site. We use these tools to help us improve our Site, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services.
How do we use the personal information we collect?
We may use your personal information to:
Provide the Klarna Services and customer support
Process transactions and send notices about your transactions
Resolve disputes and collect payments and/or fees
Verify the accuracy of and authenticate your information
Detect, investigate and prevent potentially prohibited or illegal activities, such as fraud
Communicate about accounts or transactions and send information about features and enhancements
Contact you, for example by phone, text (SMS) or email
Communicate changes to our policies
Personalize content and experiences, including providing recommendations based on your preferences
Send offers or promotions for the Klarna Services
Provide advertising, including advertising based on your use of the Klarna Services or third-party websites
Perform statistical, demographic and marketing analyses of users of the Klarna Services and their purchasing patterns
Conduct any other legitimate business activities not otherwise prohibited by law
How do we share personal information?
We will only share your personal information with third parties as described in this Privacy Policy.
We may share your personally identifiable information with:
Service providers, affiliates and commercial partners who help with our business operations, including but not limited to, fraud prevention, account maintenance, customer service, marketing and technology services
Credit bureaus and collection agencies, as permitted by law
Merchants you order goods or services from using the Klarna Services
Companies that we plan to merge with or be acquired by
Third parties, including governmental authorities and law enforcement, to (i) protect or defend the legal rights, interests or property of Klarna and any related entity of Klarna; (ii) protect the safety and security of our customers or members of the public; (iii) protect against fraud; or (iv) comply with applicable law, subpoena or legal process. Including, without limitation, LexisNexis Risk Solutions Group, 80 Harcourt Street, Dublin Ireland; Emailage and ThreatMetrix services: Processing Notices | LexisNexis Risk Solutions
Other third parties with your consent or at your direction to do so.
Third parties for any legitimate business purpose not otherwise prohibited by law
We will only share your Personal Information with third parties as described in this Privacy Policy, as otherwise notified to you at the time of collection (for example as set forth in an agreement you have entered into with Klarna) or with your consent.