Klarna Website Terms of Use.

Last updated (08/25/2022)

THESE WEBSITE TERMS OF USE (THE “TERMS”) ARE A LEGAL CONTRACT BETWEEN YOU AND KLARNA INC. (“Klarna”). THESE TERMS EXPLAIN HOW YOU ARE PERMITTED TO USE THE WEBSITE LOCATED AT THE URL: WWW.KLARNA.COM/US AND ALL OTHER ASSOCIATED KLARNA SITES AND SUBDOMAINS (THE “SITE” or “SERVICES”). BY USING THIS SITE, YOU ARE AGREEING TO ALL THESE TERMS; IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE, OR ANY INFORMATION CONTAINED ON THIS SITE.
ARBITRATION NOTICE: EXCEPT AS DESCRIBED IN THE “MANDATORY ARBITRATION OF DISPUTES” SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AT THE ELECTION OF EITHER PARTY, AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS OR TO PARTICIPATE IN A CLASS, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, REPRESENTATIVE, OR COLLECTIVE ACTION IN COURT OR IN ARBITRATION, UNLESS YOU OPT-OUT AS DESCRIBED IN THE SAME SECTION BELOW.

Changes

Klarna may make changes to the content available on the Site at any time. Klarna can change, update, add or remove provisions of these Terms, at any time, by posting the updated Terms on this Site. By using this Site after Klarna has updated these Terms, you are agreeing to all the updated Terms; if you do not agree with any of the updated Terms, you must stop using the Site.

General Use

By using this Site, you represent, acknowledge and agree that you are at least 18 years of age. If you are not at least 18 years old, you may not use the Site at any time or in any manner or submit any information to Klarna or the Site.
Klarna provides content through the Site that is copyrighted and/or trademarked work of Klarna or Klarna’s third-party licensors and suppliers (collectively, the “Materials”). Materials may include logos, graphics, video, images, software and other content.
Subject to the terms and conditions of these Terms, and your compliance with these Terms, Klarna hereby grants you a limited, personal, non-exclusive and non-transferable license to use and to display the Materials and to use this Site solely for your personal use. Except for the foregoing license, you have no other rights in the Site or any Materials and you may not modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Site or Materials in any manner.
If you breach any of these Terms, the above license will terminate automatically and you must immediately destroy any downloaded or printed Materials.

Using the Site

You can simply view the Site and you do not need to register with Klarna to do so.

Links to Third-Party Sites

This Site may be linked to other websites that are not sites controlled or operated by any Klarna Entity (collectively, “Third-Party Sites”). Certain areas of the Site may allow you to interact and/or conduct transactions with such Third-Party Sites, and, if applicable, allow you to configure your privacy settings in your Third-Party Site account to permit your activities on this Site to be shared with third parties. You acknowledge and agree that the Third-Party Sites may contain different privacy policies and terms and conditions and/or user guides and business practices than Klarna, and you further acknowledge and agree that your use of such Third-Party Sites is governed by the respective Third-Party Site privacy policy and terms and conditions and/or user guides, which may or may not be more restrictive than terms and conditions set forth by Klarna. You agree to comply with any and all terms and conditions, users guides and privacy policies of any of any Third-Party Sites.

Klarna provides links to the Third-Party Sites to you as a convenience, and Klarna does not verify, make any representations or take responsibility for such Third-Party Sites, including, without limitation, the truthfulness, accuracy, quality or completeness of the content, services, links displayed and/or any other activities conducted on or through such Third-Party Sites.

YOU AGREE THAT KLARNA WILL NOT, UNDER ANY CIRCUMSTANCE, BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY GOODS, SERVICES, INFORMATION, RESOURCES AND/OR CONTENT AVAILABLE ON OR THROUGH ANY THIRD-PARTY SITES AND/OR THIRD-PARTY DEALINGS OR COMMUNICATIONS, OR FOR ANY HARM RELATED THERETO, OR FOR ANY DAMAGES OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH YOUR USE OR RELIANCE ON THE CONTENT OR BUSINESS PRACTICES OF ANY THIRD-PARTY.

Any reference on the Site to any product, service, publication, institution, or organization of any third-party entity or individual does not constitute or imply Klarna’s endorsement or recommendation.

User-Posted Content

As a user of our Services, you may, at your own discretion, upload, publish and share your content, such as collections, images, texts, nicknames, receipts, product reviews, information on goods, service or deliveries, or other content. You acknowledge that by sharing content you make it publicly available, meaning that information about you becomes available to others and may be used and shared further by other individuals.
You may only upload, publish or share content which you have the right to use, upload, publish or share, and which does not violate applicable laws, this Agreement or any third party’s rights.

You agree to not upload, publish or share any content which we may determine, in our sole discretion, (i) is unlawful, fraudulent, abusive or threatening; (ii) violates the rights of others; (iii) is offensive or criminal (such as agitation against ethnic groups, child pornography or unlawful depictions of violence); (iv) contains viruses, Trojan horses, spyware, adware, malware, or other harmful or damaging programming; (v) constitutes unsolicited advertising (spam); and/or (vi) constitutes any other form of harassment.
Klarna reserves the right, without obligation, to monitor, review, adjust, inactivate or remove content, without notifying you or a third party, if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable, in our sole discretion.

You are solely responsible for your upload, publication and sharing of content, and agree to indemnify and hold harmless Klarna and its parents, subsidiaries, affiliates, employees, agents, successors, and assigns from any and all damages, loss or costs caused or incurred by your upload, publication or sharing of content, including in connection to third party claims against Klarna.
You acknowledge and agree that if you upload, import or share content that is abusive, threatening or offensive, or violates, or Klarna may reasonably assume to violate, law or your agreement with Klarna, we may terminate or deactivate your use of the Services.

Electronic Communications

By using the Site, and providing contact information, you consent to receiving electronic communications, including electronic notices, from Klarna. These electronic communications may include notices about applicable fees and charges, transactional information and other information concerning or related to the Site provided on or through the Site. These electronic communications are part of your relationship with Klarna. You agree that any notices, agreements, disclosures or other communications that we send you electronically will satisfy any legal communication requirements, including that such communications be in writing.

Privacy Policy

Please review the Klarna Privacy Policy, which is available on this Site and which explains how we use information that you submit to Klarna electronically.

Unauthorized Activities

When using this Site, you agree not to:

  1. Disseminate any unsolicited or unauthorized advertising, promotional materials, ‘junk mail’, ‘spam’, ‘chain letters’, ‘pyramid schemes’ or any other form of such solicitation.
  2. Use any robot, spider, scraper or other automated means to access the Site.
  3. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure.
  4. Post anything contrary to our public image, goodwill or reputation.
  5. This list of prohibitions provides examples and is not complete or exclusive. Klarna reserves the right to terminate access to your account and your ability to post to this Site with or without cause and with or without notice, for any reason or no reason, or for any action that Klarna determines is inappropriate or disruptive to this Site or to any other user of this Site. Klarna may report to law enforcement authorities any actions that may be illegal, and any reports it receives of such conduct. When legally required or at Klarna’s discretion, Klarna will cooperate with law enforcement agencies in any investigation of alleged illegal activity on this Site or on the Internet.

You agree to indemnify and hold Klarna Entities and their respective officers, directors, employees, agents, licensors and business partners harmless from and against any and all costs, damages, liabilities and expenses (including attorneys’ fees and costs of defense) Klarna or any other indemnified party suffers in relation to, arising from or for the purpose of avoiding any claim or demand from a third party that your use of this Site violates any applicable law or regulation, or the copyrights, trademark rights or other rights of any third party.

Proprietary Rights

Klarna is our trademark in the United States. Other trademarks, names and logos on this Site are the property of their respective owners.
Unless otherwise specified in these Terms, all information and screens appearing on this Site, including documents, site design, text, graphics, logos, images and icons, as well as the arrangement thereof, are the sole property of Klarna. All rights not expressly granted herein are reserved by Klarna. Except as otherwise required or limited by applicable law, any reproduction, distribution, modification, retransmission, or publication of any copyrighted material is strictly prohibited without the express written consent of the copyright owner or license.

Disclaimer of Warranties

THE KLARNA SITE AND SERVICES ARE PROVIDED “AS IS” AND KLARNA AND ITS AFFILIATES MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH RESPECT TO YOUR USE OF THE KLARNA SERVICES. TO THE EXTENT PERMITTED BY APPLICABLE LAW, KLARNA DISCLAIMS ANY AND ALL STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Klarna does not guarantee the continuous, uninterrupted, error-free or secure use of any part of the Klarna Site or Services. Use of the Klarna Site or Services may be interrupted due to events outside Klarna’s reasonable control, such as delays in the banking system or credit card networks. Klarna will use commercially reasonable efforts to process payments in a timely manner, but Klarna makes no representations or warranties regarding the time it takes to complete any transaction
Klarna does not approve or control any third-party website or application and we are not responsible or in any way liable for their content. If you use such websites or applications from third parties, the terms and conditions for those websites or applications will apply to you.

Limitation of Liability

IN NO EVENT SHALL KLARNA OR ITS AFFILIATES, OR THE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS OR SUPPLIERS OF KLARNA OR ITS AFFILIATES, BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES OR LOST PROFITS ARISING OUT OF OR IN CONNECTION WITH THE KLARNA SERVICES, KLARNA USER ACCOUNTS, KLARNA APP OR THESE TERMS, WHETHER IN CONTRACT, TORT (WHETHER IN NEGLIGENCE OR STRICT LIABILITY) OR OTHER LEGAL OR EQUITABLE THEORY. THE LIABILITY OF THE ABOVE-MENTIONED PARTIES, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KLARNA AND ITS AFFILIATES, AND THE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND SUPPLIERS OF KLARNA OR ITS AFFILIATES, ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD THESE PARTIES RESPONSIBLE FOR, ANY DAMAGES OR LOSSES RESULTING DIRECTLY OR INDIRECTLY FROM: (1) YOUR USE OF OR YOUR INABILITY TO USE ANY KLARNA SERVICE OR ANY KLARNA SITE; (2) DELAYS OR DISRUPTIONS IN ANY KLARNA SERVICE OR ANY KLARNA SITE; (3) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING ANY KLARNA SITES OR SERVICES; (4) GLITCHES, BUGS, ERRORS OR INACCURACIES OF ANY KIND IN ANY KLARNA SERVICES; (5) THE CONTENT, ACTIONS OR INACTIONS OF THIRD PARTIES, INCLUDING ANY THIRD PARTY WEBSITE OR APPLICATION LINKED TO ANY KLARNA SITES OR SERVICES; (6) CLAIMS OF BREACH OF WARRANTY OR GUARANTEE; (7) GOODS AND SERVICES YOU PURCHASED FROM MERCHANTS, OR THE RETURN OF SUCH GOODS AND SERVICES; OR (8) CHANGES TO THIS AGREEMENT. These limitations and exclusions apply even if your remedies do not fully compensate you for any losses or if Klarna or its affiliates knew, or should have known, about the possibility of damages.

Local Laws; Export Control

Klarna controls and operates this Site from its headquarters in the United States of America and the Materials may not be appropriate or available for use in other locations. If you use this Site outside the United States of America, you are responsible for following applicable local laws.

Feedback

If you send or transmit any communications, comments, questions, suggestions or related materials to Klarna, whether through the Site or by letter, email, telephone or otherwise (collectively, “Feedback”) suggesting or recommending changes to the Site, or Materials, including, without limitation, new features or functionality relating thereto, all such Feedback is, and will be treated as, non-confidential and non-proprietary. You hereby assign all right, title and interest in, and Klarna is free to use, without any attribution or compensation to you, any ideas, know-how, concepts, techniques or other intellectual property and proprietary rights contained in the Feedback, whether or not patentable, for any purpose whatsoever, including but not limited to, developing, manufacturing, having manufactured, licensing, marketing and selling, directly or indirectly, products using such Feedback. You understand and agree that Klarna is not obligated to use, display, reproduce or distribute any such ideas, know-how, concepts or techniques contained in the Feedback, and you have no right to compel such use, display, reproduction or distribution.

Governing Law

You agree that the laws of the State of Ohio, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and Klarna, except as otherwise stated in this Agreement. Subject to the Mandatory Arbitration of Disputes Provision, you and we may also litigate any dispute in small claims court with jurisdiction over that dispute, if the dispute meets all requirements to be heard in the small claims court and remains in that court. You may litigate in small claims court whether or not you negotiated with Klarna informally first. If you apply for a loan or obtain a loan from WebBank, the application and terms of the loan will be governed by federal laws and the laws of the state of Utah to the extent not preempted, without regard to any principle of conflicts of laws that would require or permit the application of the laws of any other jurisdiction.

General Agreement

If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. Klarna’s failure to enforce any of these Terms is not a waiver of such term. These Terms are the entire agreement between you and Klarna relating to the use of Klarna.com and other sites on this domain and supersede all prior or contemporaneous negotiations, discussions or agreements between you and Klarna about this Site. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.

No Third-party Beneficiaries

This Agreement is between you and Klarna exclusively and is not intended to benefit any other person.

Copyright Policy / DMCA

Klarna respects copyright law and expects its users to do the same. It is Klarna’s policy to terminate, in appropriate circumstances, any user who infringes upon the rights of any copyright holder.

Mandatory Arbitration of Disputes

PLEASE READ THIS ARBITRATION PROVISION CAREFULLY. UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) OPT OUT IN ACCORDANCE WITH THE PROCEDURES DESCRIBED BELOW, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A JURY TRIAL OR A CLASS ACTION.
You agree that any and all past, present or future disputes or claims, including without limitation (a) federal and state regulatory and statutory claims, (b) common law claims, (c) claims under local ordinances, (d) data breach or privacy claims and (e) claims based in contract, tort, intentional tort, fraud, misrepresentation or any other legal theory, arising out of or relating to this Agreement, the Terms for Klarna Shopping Service (“Agreement”), the Klarna Pay Later in 4 Agreement, the Klarna Pay Later By Card Terms, the Klarna Pay By Card Agreement or other agreements between you and Klarna, Services provided by Klarna, use of the Klarna App or Klarna Extension, Klarna.com, purchases or payments you make, transactions you engage in, collection of amounts due, or the relationship between you and Klarna or WebBank and their agents, employees, officers, directors, predecessors in interest, and successors and assigns, shall – at the election of either you or us – be resolved exclusively through final and binding arbitration, as set forth in this Arbitration Provision, rather than in court before a judge or a jury. This Arbitration Provision is also binding upon and may be enforced by any third party who is named as a co-defendant with us in a claim asserted by you.

Notwithstanding the foregoing:

  1. Any disputes about the validity, enforceability or scope of this Arbitration Provision are for a court, not an arbitrator, to decide; provided that disputes regarding the Agreement as a whole (or any other agreement you have with Klarna) are for the arbitrator to decide;
  2. If the amount of a claim is within the jurisdiction of the small claims court (or an equivalent court), you or we may bring it in small claims court or instruct the administrator to administratively close the arbitration case because the claim should be decided by a small claims court. You and we do not have to arbitrate a small claim that is filed in small claims court, but if that claim is transferred, removed, or appealed to a different court, you or we may elect to compel arbitration. Moreover, if you or we bring any counterclaim or cross-claim that is for more than the small claims court’s jurisdiction, you or we can elect to have the entire claim (including the counterclaim or cross-claim) resolved by arbitration; and
  3. This Arbitration Provision shall not apply to covered borrowers as defined in the Military Lending Act. Thus, if you are on active duty military service or a spouse or dependent of a person who is on such active duty military service and a claim involves a covered transaction under the Military Lending Act, this Arbitration Provision will be inapplicable to such claim.

This Arbitration Provision shall be broadly construed and any dispute or arbitration hereunder will be governed by the Federal Arbitration Act (“FAA”), federal law, and the laws of the State of Ohio or the laws of the State of Utah as provided in the “Governing law, venue” section of the Agreement, without regard to principles of conflict of law, including any applicable statutes of limitations. The arbitrator’s award shall be final and binding, except for any appeal rights under the FAA, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Any arbitration shall be confidential, and neither you nor we may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcement of the arbitration award.

Opt-out

NOTWITHSTANDING THE FOREGOING, YOU MAY CHOOSE TO PURSUE YOUR CLAIM IN COURT AND NOT BY ARBITRATION IF YOU OPT OUT OF THIS ARBITRATION PROVISION WITHIN 30 DAYS FROM THE DATE YOU FIRST USE THE KLARNA SERVICE OR OTHERWISE ACCEPT THIS AGREEMENT (THE “OPT OUT DEADLINE”). YOU MAY OPT OUT OF THIS ARBITRATION PROVISION BY FULLY COMPLETING, SIGNING AND DATING THE ARBITRATION OPT-OUT NOTICE FORM LOCATED AT https://cdn.klarna.com/1.0/shared/content/legal/en_us/arbitration/opt_out_notice.pdf AND MAILING IT TO KLARNA VIA FIRST-CLASS MAIL AT THE FOLLOWING ADDRESS:
Klarna Inc.,
Attn: Arbitration Opt-Out
629 N. High St., Suite 300
Columbus, OH 43215
ANY ARBITRATION OPT-OUT NOTICE RECEIVED AFTER THE OPT-OUT DEADLINE WILL NOT BE VALID AND YOU MUST PURSUE YOUR CLAIM IN ARBITRATION OR SMALL CLAIMS COURT.
IF YOU DO NOT OPT OUT WITHIN 30 DAYS FROM THE DATE YOU FIRST USE THE KLARNA SERVICE OR OTHERWISE ACCEPT THE AGREEMENT, THIS ARBITRATION PROVISION WILL BE PART OF ALL OTHER AGREEMENTS YOU HAVE WITH KLARNA NOW OR IN THE FUTURE. IF YOU DO OPT OUT WITHIN 30 DAYS FROM THE DATE YOU FIRST USE THE KLARNA SERVICE OR OTHERWISE ACCEPT THE AGREEMENT, ALL OTHER AGREEMENTS YOU HAVE WITH KLARNA NOW OR IN THE FUTURE WILL NOT BE SUBJECT TO THIS ARBITRATION PROVISION.

If there is an Arbitration Provision in place (a “Prior Arbitration Provision”) governing a prior agreement between you and Klarna (a “Prior Agreement”) and you do not reject this Arbitration Provision, claims arising out of the Prior Agreement will be governed by this Arbitration Provision rather than the Prior Arbitration Provision. If you reject this Arbitration Provision, such claims will be governed by the Prior Arbitration Provision.

Prohibition of class and representative actions and non-individualized relief (“Class Action Waiver”)
YOU AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND THE OTHER PARTY AGREE OTHERWISE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAMS). ANY RELIEF AWARDED CANNOT AFFECT OTHER KLARNA USERS.

Arbitration procedures

If you or we elect to arbitrate a claim, it will be resolved by mandatory binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, discovery is more limited, and court review of an arbitration award is very limited. However, an arbitrator will follow applicable substantive law consistent with the FAA and give effect to the applicable statute of limitations, defenses and privileges. The arbitrator can award the same damages and relief on an individual basis that a court can award to an individual, including monetary damages, punitive damages (subject to constitutional limits that would apply in court), attorneys’ fees and costs and individual injunctive or declaratory relief. An arbitrator also must follow the Agreement or any other agreement you have with Klarna as a court would.
A claim may be submitted to binding arbitration at any time, regardless of whether you or we have previously initiated any lawsuit or other proceeding. If a party files a lawsuit in court asserting initial claims, counterclaims, cross-claims or third-party claims that are subject to arbitration and the other party files a motion to compel arbitration with the court which is granted, it will be the responsibility of the party asserting the claim(s) to start the arbitration proceeding in accordance with the administrator’s rules and procedures. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in that or any related or unrelated lawsuit (including a claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision.
The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Consumer Arbitration Rules (as applicable), as modified by this Arbitration Provision. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA’s website at http://www.adr.org. The arbitrator must be a retired judge or attorney with more than 10 years of experience. If the AAA cannot serve, a court with jurisdiction will select the administrator or arbitrator, who will be bound by the terms of this Arbitration Provision.

The arbitration shall be held in a location reasonably convenient to where you reside or at another mutually agreed location. Attendance at an in-person hearing may be made by telephone by you and/or the other party, unless the arbitrator requires otherwise. If the value of the relief sought is $10,000 or less, either you or the other party may elect to have the arbitration conducted based solely on written submissions pursuant to the AAA’s Procedures for the Resolution of Disputes through Document Submission, which election shall be binding on you and the other party subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. No arbitration award involving the parties will have any impact as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have any impact in an arbitration between the parties to this Arbitration Provision.

Costs of arbitration

Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Arbitration Provision. If the value of the relief you are seeking is $10,000 or less, the other party will pay or reimburse your filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by the other party should be submitted by mail to the AAA along with your Demand for Arbitration and the other party will make arrangements to pay all necessary fees directly to the AAA. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse the other party for all fees associated with the arbitration that the other party paid on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

Jury waiver

IF A DISPUTE OR CLAIM IS ARBITRATED, THE PARTIES WAIVE THEIR RIGHT TO RESOLVE THE DISPUTE OR CLAIM IN COURT BEFORE A JUDGE OR A JURY. IF FOR ANY REASON A DISPUTE OR CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, ANY OTHER AGREEMENT YOU HAVE WITH KLARNA OR THE RELATIONSHIP BETWEEN YOU AND THE OTHER PARTY PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND THE OTHER PARTY EACH WAIVE ANY RIGHT TO A JURY TRIAL TO THE FULL EXTENT PERMITTED BY APPLICABLE LAW.

Survival, conflict, severance

This Arbitration Provision will survive the termination of any agreement you have with Klarna and any bankruptcy. In the event of any conflict or inconsistency between this Arbitration Provision, on the one hand, and the administrator’s rules or the Agreement or other agreement you have with Klarna, on the other hand, this Arbitration Provision will govern. If any part of this Arbitration Provision is found to be invalid or unenforceable, then that specific part shall be severed, and the rest of this Arbitration Provision will continue in full force and effect, except that: (A) the entire Arbitration Provision (other than this sentence) shall be null and void with respect to any claim asserted on a class, representative or multiple-party basis that does not seek public injunctive relief if the Class Action Waiver is held to be invalid with respect to such claim and that determination becomes final after all appeals have been exhausted; and (B) if a court determines that a public injunctive relief claim may proceed notwithstanding the Class Action Waiver or other provisions of this Arbitration Provision, and that determination becomes final after all appeals have been exhausted, then the public injunctive relief claim will be decided by a court, any individual claims will be arbitrated, and the parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded. In no event will a claim for class or public injunctive relief be arbitrated.

Future changes to this arbitration provision

Notwithstanding any provision in these Agreement or any other agreement you enter into with Klarna to the contrary, you agree that if we make any change to this Arbitration Provision (other than a change to any notice address or website link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding prior to the effective date of the change.

Indemnity

You will indemnify and hold harmless Klarna and its officers, directors, employee and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Services or content, or (ii) your violation of these Terms.

General Terms

These Terms constitute the entire and exclusive understanding and agreement between Klarna and you regarding the Services and content, and these Terms supersede and replace any and all prior oral or written understandings or agreements between Klarna and you regarding the Services and content. If any provision of these Terms is held invalid or unenforceable (either by an arbitrator appointed pursuant to the terms of the “Arbitration” section above or by court of competent jurisdiction, but only if you timely opt out of arbitration by sending us an Arbitration Opt-out Notice in accordance with the terms set forth above), that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.

You may not assign or transfer these Terms, by operation of law or otherwise, without Klarna’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. Klarna may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

Any notices or other communications provided by Klarna under these Terms, including those regarding modifications to these Terms, will be given: (i) via email; or (ii) by posting to the Services. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.

Klarna’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Klarna. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

Klarna Search Terms

The following terms apply to your use of the Klarna Search feature on Klarna.com.

Accuracy of information

Product specifications and other information have either been made accessible by suppliers, manufacturers, merchants, publications, publicists or been gathered from public-domain sources. The intention of Klarna is that all information on the website should be as accurate and up-to-date as possible. However, Klarna cannot guarantee the reliability or the accuracy of the information contained within its pages.
We urge our users to conduct their own research prior to purchasing from the stores listed on our service to ensure the accuracy of the prices. All the actions taken by the user of the website are the responsibility of the individual. Klarna cannot make any guarantees that any information is correct or be held liable for any actions taken based on the product and pricing information provided.

Relationship with merchants

Merchants listed on the Klarna site are independent third parties and Klarna is not acting as a principal, agent or broker with respect to any advertisers. Your relationship with any merchant you contact through this site is solely between You and the merchant. You agree not to hold Klarna liable for any loss or damage of any sort incurred as the result of any business conducted with our merchants or as the result of the content provided by such merchants through the Site.

If you want to report an error or have any questions please contact Klarna at its address listed below.

Payment

There is no charge payable to Klarna for use of the site during the continuance of these Terms. Klarna shall have no responsibility for transmission of funds due to any third party provider or distributor with whom you may elect to deal. You shall be responsible for transmitting all payments due on the terms agreed with any third party provider or distributor.

Adding content

In the event Klarna enables you to add content to the site in the form of reviews, contests or other features, Klarna shall be entitled, at its absolute discretion, to publish, edit, refuse, or delete content provided to it. Klarna will not permit the publishing of content that may be illegal under applicable law.

Changes to the Service

Klarna reserves the right to change, suspend, or discontinue, at its sole discretion, all or any aspects of the content, design, services provided or any other aspect of Klarna.com at any time without prior notice.

Usage

You agree to use the Site only for lawful purposes. You may only use this site as a general guide to make price comparisons for your own private use and shall not use this site for any other purposes. You may download, display and print one copy of the material presented on this site for your personal, non-commercial use only.

Except as expressly provided, nothing within the Site shall be construed as conferring any license under our or any third party’s intellectual property rights, whether by estoppel, implication, waiver, or otherwise. Without limiting the generality of the foregoing, you acknowledge and agree that all content available through and used to operate the Site and its services is protected by copyright, trademark, patent, or other proprietary rights of Klarna and its affiliates, licensors, and service providers. You agree that your data, content, and any information provided or used on the Site, as well as your use of our Site, products and services will not:

  1. modify, alter, or deface any of the trademarks, service marks, trade dress (collectively “Trademarks”) or other intellectual property made available by us in connection with the Site or otherwise infringe or facilitate infringement of any copyright, patent, trademark, trade secret, or other proprietary, publicity, or privacy rights (collectively “Rights”) of any party, including the Rights of third-parties;
  2. hold yourself out as in any way sponsored by, affiliated with, or endorsed by us, or any of our affiliates or service providers;
  3. use any of the Trademarks or other content accessible through the Site for any purpose other than the purpose for which we have made it available to you;
  4. defame or disparage us, our Trademarks, or any aspect of the Site;
  5. post or transmit any content that is unlawful, threatening, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law;
  6. adapt, translate, modify, decompile, disassemble, or reverse engineer the Site or any software or programs used in connection with it or its Products and Services;
  7. contain or promote any viruses, Trojan horses, worms, time bombs or other computer programming or code that is designed or intended to damage, destroy, intercept, download, interfere, manipulate, or otherwise interrupt or expropriate the Site, data, personal information, software, equipment, servers or content or facilitate or promote hacking or similar conduct;
  8. access or attempt to access the non-public areas of the Site or any other user’s password-protected information;
  9. impersonate any person or entity or otherwise falsely state or misrepresent your affiliation with a person or entity; and
  10. restrict or inhibit any other user from using or enjoying the Site (or any linked site).

Framing, linking etc.

The use of content from this site on any other web site or networked computers is prohibited.
The framing, mirroring, scraping or data mining of the Site or any of any conduct by you that in our sole discretion restricts or inhibits any other user from using or enjoying the Site (or any linked site) will not be permitted.

Monitoring site usage

We may electronically monitor areas of the Site and may disclose any content, records, or electronic communication of any kind (i) to satisfy any law, regulation, or government request; (ii) if such disclosure is necessary, appropriate or required to operate the Site; or (iii) to protect our rights or property, including the rights of Klarna users, sponsors, providers, licensors, or merchants.

Klarna Contact Information

Klarna Inc., P.O. Box 8116, Columbus, OH 43201. Klarna Customer Service. (844) KLARNA1.

Monthly financing through Klarna is issued by WebBank, member FDIC. Copyright © 2005-2022 Klarna Inc. NMLS #1353190, 629 N. High Street, Third Floor, Columbus, OH 43215. Other CA resident loans made or arranged pursuant to a California Finance Lenders Law license.