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Privacy Policy

GDPR

 

About GDPR

The General Data Protection Regulation (GDPR) is an EU law on data protection and privacy. As it kicks in the 25th of May 2018 it in large parts replaces the current privacy framework, and with it comes the biggest change to European privacy laws for the past 20 years.

Simply put, the GDPR applies on all personal data that is handled within the borders of the EU, or relates to individuals in EU – no matter where the organization handling the data is located.

The main aim of the GDPR is to unify and simplify the regulatory environment and to strengthen the data protection of individuals in the same way across the EU.

For individuals this means increased control over their personal data, and to businesses active in Europe the GDPR comes with additional requirements on how to handle personal data. Even though some things change, a lot of things actually stay the same.

 

Klarna’s view on the GDPR

Klarna welcomes the GDPR.

We believe that a natural consequence is that the GDPR will raise the bar for data protection and push the industry towards more transparent and secure processes. This brings opportunity for innovative and customer-centric companies to take lead in offering consumers transparency in how their data is used as well as flexibility and choice when it comes to how their data is handled in order to benefit from attractive services offered.

Our ambition is super clear – we want to build great products that benefit our customers. It is absolutely vital for us to be clear in this context, as personal data is required not only to process payments and fulfil legal obligations but to remove unnecessary repetitive steps and allow for personalisation providing that smoooth user experience Klarna is all about.

We at Klarna treat personal data with the utmost of care and where needed adapt our products, systems, and processes, to the standards outlined in the GDPR. For us it doesn’t stop with May 25, but rather the opposite – we will keep enhancing our services even further with our customers’ privacy in mind.

 

GDPR for Klarna consumers

We at Klarna care about our customers, and that means we care about you and your privacy.

It is important to us that terms for using our services are easily available to you and that you are aware of what information we collect and process in order to provide our services to you. If you want to learn more about this we encourage you to read sections “What information do we collect?” and “What do we do with your information?”

Any questions or concerns? Check out our FAQ section and do not hesitate to get in touch with us at privacy@klarna.co.uk. Klarna has a Legal Privacy team staffed with data protection specialists and a dedicated customer support team that acts as an extension to support you with privacy related inquiries.

 

GDPR for Klarna merchants

We at Klarna care about our customers, and that means we care about both you and our mutual customers’ privacy.

As the GDPR enters into force, a frequently asked question is whether or not the merchant and Klarna need to enter into a Data Processing Agreement.

Since the merchant and Klarna typically only process personal data for their own respective purposes, and not on behalf of the other part, there is no need for a Data Processing Agreement. This could be called a dual controllership, not to be misinterpreted as a joint controllership. A dual controllership means that each of us is a separate and individual responsible data controller for our respective data processing activities relating to our mutual customer. None of us is processing any customer data on behalf of each other. This will not change with GDPR.

It is important that you as a merchant integrate our products correctly and in line with the instructions given by Klarna for potential changes to be reflected and information to always be kept up to date. Together we make our mutual customer’s journey smoooth, efficient and transparent!

Any questions or concerns? Do not hesitate to reach out to our Merchant Support team at merchant@klarna.co.uk

What information do we collect?

We at Klarna care about our customers, and that means we care about you and your privacy.  We always collect personal information responsibly and with your privacy in mind.

It is important to us that you are aware of what information we collect about you and how it is collected.

In order to provide our services, such as our checkout and our customer portal, we need to collect certain personal information. You may directly or indirectly give us information about yourself in a variety of ways. Typical examples are:

  • You place an order in a store and choose to pay with Klarna
  • You use our customer portal or app
  • You contact us or visit our website

For example, when you buy with Klarna in a store we need to know who you are and to where you want your goods to be delivered. We use this information not only to help you complete your purchase and help the merchant handle your order, but also to prevent fraud and meet legal requirements.

Klarna makes sure to collect personal information with the utmost consideration for your privacy. Klarna has a Global Privacy Office staffed with data protection specialists. In addition to that, we have a dedicated customer support team that acts as an extension of our Global Privacy Office and support you with privacy related inquiries. For more detail on how we respect your privacy, please read our Privacy Policy and Cookie Statement. If you want to know how your information is treated, check out What do we do with your information?

What do we do with your information?

We at Klarna care about our customers, and that means we care about you and your privacy.  We always collect personal information responsibly and with your privacy in mind.

It is important to us that you are aware of how we handle your personal information. There are different scenarios where we need to process your information. Typical examples are:

  • We might need to confirm your identity before approving your purchase
  • We might need to perform a credit assessment depending on the payment method you choose
  • We need to prevent illegal activity such as fraud and money laundering

For example, when you place an order with Klarna in a webstore we need to make sure that the purchase is legit and that it is really you making the purchase. Depending on the payment method you choose, we might need to process your credit card information or perform a credit assessment. We will then need to use your information to process your payment or send you an invoice.

Depending on the technical setup between Klarna and the webstore you bought at, we will need to pass on some of data collected by us. This could be for the simple reason to provide the merchant with your address so that they know where to ship the goods you just ordered. Perhaps the webstore needs to contact you about your order, and having your phone number and email address will certainly simplify that.

Klarna makes sure to collect personal information with the utmost consideration for your privacy. Klarna has a Global Privacy Office staffed with data protection specialists. In addition to that, we have a dedicated customer support team that acts as an extension of our Global Privacy Office and support you with privacy related inquiries. For more detail on how we respect your privacy, please read our Privacy Policy and Cookie Statement. If you want to know what information on you we collect, check out What information do we collect?

FAQ

What personal data do you collect about me?

We collect the data that is needed to provide our services to you. For instance to give you a smoooth shopping experience and help you with support inquiries if needed. You can read more about what data we collect at our privacy pages in section What information do we collect?

 

What do you use my personal data for?

We process the data that is needed to provide our services to you. For instance to give you a smoooth shopping experience and help you with support inquiries if needed. You can read more about how we use your personal data at our privacy pages in section What do we do with your information?

 

Can I request for my personal data to be forgotten?

Yes, you can!

However, there are exceptions to the “right to be forgotten”. For instance when it comes to our services we must keep track of who is involved in transactions to be able to prevent money laundering and criminal activity. We also need to keep track of your transactions in order to support you if any issue would arise.

As a bank, certain legal obligations prevent us from immediately deleting parts of your data. These obligations derive from accounting and tax laws, banking and anti-money laundering laws, but also consumer rights laws. To request this, you can contact our data protection agents on privacy@klarna.co.uk

 

Can I request a transcript of my personal data?

Yes!

It is possible to request a transcript of records if you would like to get an overview of the personal data we have collected about you. To request this, you can contact our data protection agents on privacy@klarna.co.uk.

 

How long do you keep my personal data?

We keep your data as long as needed to fulfil the purpose for which it was collected, for instance to fulfill our contractual obligations towards you or pursue our legitimate interests until there is no longer any legal requirements or rights for us to keep the data. Read more about this in our Privacy policy

 

Where do you store my personal data?

We handle your personal data with the utmost care and make sure to store it safely and securely. We always strive to process your data within the EU/EEA. The data may however in certain situations be transferred to, and processed in, a destination outside of the EU/EEA by a Klarna Group company or by a supplier or subcontractor. As Klarna is committed to always protecting your data, Klarna will take all reasonable contractual, legal, technical, and organisational measures to ensure that your data is treated securely and with an adequate level of protection compared to and in line with at least the level of protection offered within the EU/EEA.

 

How do I remove my credit?

You only have an open credit with us for unpaid purchases as we only approve the precise amount for each purchase you make. When the purchase has been paid, the credit is used and no longer available. No credits granted by Klarna are visible for other banks or creditors.

 

How do I close my Klarna account?

You only have an open account with us as long as you have an unsettled debt. When you have paid for all your purchases and no longer have any active invoices or outstanding debt, this means your account is effectively closed.

 

How do I unsubscribe from marketing send outs?

In order to unsubscribe from marketing sendouts, please contact us at privacy@klarna.co.uk and we will help you, or click the ‘unsubscribe’ link at the bottom of the e-mail.

 

My business use services from Klarna, do we have to enter a Data Process Agreement?

No, as you and Klarna only process personal data for your own respective purposes, and not on behalf of the other part, there is no need for a Data Processing Agreement. This could be called dual controllership, not to be misinterpreted as joint controllership.

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By using the application site and providing information you approve that Klarna Bank AB (publ) electronically processes personal data such as your contact information in order to process the application, provide its services, administer the customer relationship and for commercial and marketing purposes on behalf of Klarna Bank AB (publ) or other companies within the same group of companies or trusted partners. The data may also be used for statistical analysis and business development purposes, during fraud investigations and to comply with applicable laws and regulations. Klarna may disclose the information to other companies within the Klarna group, which may also use the information for the purposes described herein. The data may be processed by data processors on behalf of Klarna and transferred outside the EU/EEA area to states that do not have the same level of protection of personal data. Klarna is committed to protecting personal data and will put in place adequate safeguards in order to protect the data. Registered persons have upon written request the right of access to the data related to them. They also have the right to rectify such data and to opt out from receiving further marketing communication. For more information click Klarna Bank AB (publ) electronically processes personal data such as your contact information in order to process the application, provide its services, administer the customer relationship and for commercial and marketing purposes on behalf of Klarna Bank AB (publ) or other companies within the same group of companies or trusted partners. The data may also be used for statistical analysis and business development purposes, during fraud investigations and to comply with applicable laws and regulations. Klarna may disclose the information to other companies within the Klarna group, which may also use the information for the purposes described herein. The data may be processed by data processors on behalf of Klarna and transferred outside the EU/EEA area to states that do not have the same level of protection of personal data. here Klarna or please send an email dataprotectionofficer@klarna.com.

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