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Company Policy

Terms of Service

Example of other features we may offer depending on country version:

View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna.

Order, delivery or parcel tracking

Easy return handling and refunds

Personal finance overview and management

Display of relevant information and articles, and personalized off

Upload, display and storage of your transaction, receipts, images and other material.

3. Show historical transactions
Klarna stores information about your previous purchases and transactions for bookkeeping reasons. By accepting these terms you agree that we may use this data in order for us to display these transactions to you, and by doing so, allow us to use it for this additional purpose.

4. Offers and benefits
Klarna may provide you with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. What offers and benefits you receive will be based on your previous actions such as number of purchases, purchase amounts, or usage of Klarna Services.

Are there any costs for the Services?

The Services are free of charge. Please note that interest and fees may apply to the use of a specific payment method. So make sure you check the specific information for the payment method that you use.

Improvement of the Services

We constantly work to improve our Services in order for you to get an even smoother user experience. This may require changes to these terms. In this case, you will be asked to accept the new terms before you can continue to use the Services.

Privacy and your personal data

To offer you the Services, we need to process your personal data - we encourage you to read our Privacy Notice for a more detailed understanding of how we process and protect your data.

Cookies and similar tracking technologies

For parts of the Services we use cookies and similar technologies to deliver a tailored and smooth online experience. For detailed information about how Klarna uses cookies and similar technologies, please read our Cookie Statement.

Your obligations

You shall always provide correct information and use your own and correct identity. Any use of information that does not belong to you or that you for other reasons are not authorised to use, or the use of the Services in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Services from further usage.

If you upload or share content to Klarna, you grant Klarna a royalty-free right to use and display the content for purposes of delivering the Services. We have the right to remove any content uploaded or shared by you if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded or shared by you.

Third party services

Some features used by you, for example parcel tracking, may include services provided by a third party.

Your use of Google Maps in the Klarna App is subject to the then-current Google Maps/Google Earth Additional Terms of Service at https://maps.google.com/help/terms_maps.html and Google Privacy Policy at https://www.google.com/policies/privacy/.

Duration and termination of this agreement

This agreement is concluded for an indefinite period of time. It applies until it is terminated by you or us and can be terminated at any time.


Complaints

For complaints, the information provided on www.klarna.com applies. If you have a complaint towards Klarna, you can submit your complaint through the Klarna’s website or via postal mail with the keyword "Complaint” to Klarna’s address.

If we are unable to resolve your complaint, you may refer your complaint to the Swedish National Board for Consumer Disputes (ARN). Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on ARN’s website: http://www.arn.se. You can submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission: https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to ARN. You may also contact ARN in Swedish by postal mail or personally: Allmänna reklamationsnämnden, Postbox 174, 101 23 Stockholm, Sweden, Visitor Address: Kungsholmstorg 5, Stockholm.
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