What are cookies?
Cookies are small text files consisting of letters and numbers. These are sent from Klarna’s or our partners’ web servers and stored on your device as described below. We use several types of cookies:
- Session cookies are temporary cookie files that expire when you close your browser or app
- Persistent cookies are cookie files that remain until you erase them or they expire
- First-party cookies are cookies set by the site you are visiting
- Third-party cookies are cookies set by a third-party site
Web beacons are small transparent graphic images that may be in emails we send to you.
“Similar technologies” are technologies that store information in your browser or on your device in a manner similar to cookies and web beacons.
Cookies enables the our website and services to remember your actions and preferences (such as login, language size and other preferences) over a period of time, so you don’t have to keep re-entering them whenever you come back or browse from one page to another.
The cookies we use typically enhance our services towards you. Some of our services actually need cookies to work, others simply make our services all the more smoooth for you. In general, we categorise our cookies and their usage as described below.
- Core functionality cookies are absolutely necessary to offer our basic services, for example to use our payment methods or our User Portal. Our services would not work without these cookies.
- Optimisation cookies provide us with high-level analytical information on your use of our services. They permit us to continuously refine our products and as such are also necessary. Our products would not be as smoooth without these cookies.
- Preference cookies, which allow us to store preferences, such as your language of choice or whether to pre-fill your data or not. Without these types of cookies, we would not be able to personalize our services according to your preferences. These cookies are necessary, as making your experience with us as smoooth as possible is a core part of our service.
- Security related cookies keep our services and your data safe and secure, such as by helping us detect fraud and guarding your data. Since this is an essential aspect of our services, these cookies are necessary.
- Marketing cookies as explained directly below.
Klarna uses marketing cookies to personalise and improve your experience with Klarna on our website, in marketing emails, and in third-party advertising.
- Marketing automation: Cookies from our Marketing Automation platform enables us to be more relevant in our communication with you. Based on personal data volunteered by the user, e.g. via forms on our website, Klarna use this information to improve the ability to deliver more relevant information on the website, and through advertising channels.
- Analytics: Analytics cookies collect information on how users interact with our website and the User Portal, providing us with learnings of overall interaction patterns rather than single user behaviour. This data helps us improve your experience on the website and in our User Portal.
- Advertising: Online advertising cookies collect information on your activities and shown interest across our website enabling us to display relevant, targeted advertising in third party channels (search engines, social media and display advertising networks).
Cookies we use
We may need to update this Cookie Statement in the future and so encourage you to review this Cookie Statement periodically to stay informed about how we are using cookies. To see an overview of exactly which cookies we are using and important information regarding them (such as the purpose of us using them and for how long they are stored) please click here.
Your browser or device will typically offer settings regarding the use and scope of cookies, as well as cookies currently stored. Please see your browser’s or device’s reference information to learn how to adjust your settings (for more information, see aboutcookies.org). For example, you may be able to block all cookies, accept only first-party cookies, or delete all cookies upon exiting your browser.
Please be aware that some services we offer will not work if you block or delete cookies.
Klarna has a Data Protection Officer and a team of data protection specialists working solely with data protection and privacy. Because we take data protection so seriously, we also have a special team of customer service specialists for data protection matters. You can always reach us at email@example.com.
Klarna Bank AB (publ) is the responsible entity (controller) for the processing of your personal data as described above. Klarna Bank AB (publ) is subject to Swedish data protection legislation. Visit www.klarna.com for further information on Klarna.
This Cookie Statement was last updated on 23 May 2018.