US regional privacy notice

This Notice applies to residents of certain U.S. States whose information is processed pursuant to applicable U.S. State privacy law requirements, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”) and other applicable U.S. state consumer privacy laws (together with the CCPA, “State Privacy Laws”).These rights do not apply, however, to any information we collect that is exempt from specific state privacy laws , such as non-public personal information that we collect or disclose in providing a financial product or service for personal, family or household use or that is subject to certain state and federal privacy laws, such as the Gramm Leach Bliley Act, and the Fair Credit Reporting Act. While this Notice does not apply to information that is exempt from the specific state privacy laws, , in the interest of transparency, we have identified certain categories of personal information that overlap with these categories of exempted data.

For the purpose of this Section 14, the terms "personal information," "sensitive personal information," "consumer," "business purpose," "commercial purpose," "third party," "service provider," "share," "sell," and "sold" have the same meaning as provided in the CCPA, and other applicable state privacy laws .

We do not disclose your personal information to third parties for their direct marketing purposes. Residents of certain states, including California, may have the right to request information about any such disclosures. Because we do not make such disclosures, no opt-out is required.

Minor Content Removal: If you are under 18 years of age and a registered user of the Klarna Services, you may ask us to remove content or information that you have posted through the Klarna Services by contacting Klarna Customer Service. Please note that your request does not ensure complete or comprehensive removal of the content or information, as, for example, some of your content may have been reposted by another user.

14.1 Your Rights as a US Resident

If you reside in the US, , you may have the following rights regarding your personal information ( (not exempted as noted above):

• Right to opt-out of the sale and sharing of your Personal Information - A common understanding of “selling” information is that it involves a company taking information it has learned about you and exchanging that information with an unrelated third party for money, who will then use that data for a new purpose that you did not intend. We do not do this. 

  Some applicable state privacy laws have a much broader definition of “sell” which encompasses activities beyond the traditional common understanding of “selling” for money, such as disclosing, disseminating, making available, transferring or otherwise communicating by electronic or other means, a consumer’s personal information for money or other “valuable” consideration.

  There are certain activities we perform that do fall under the very broad definition of “sale.” You have the right to opt-out of the sale of your personal information for targeted and/or cross contextual behavioral advertising, and profiling.  Please note that your right to opt-out does not apply to our sharing of data with service providers, who are engaged to perform a function on our behalf and are contractually obligated to use the data only for that function. 

  We do not have actual knowledge that we have sold or shared the personal information of any resident under 16 years of age. If you are, or are the parent or guardian of a consumer who is under 16 years of age, and you believe we have sold or shared personal information of such minor without required consent, please contact us at privacy@klarna.com.

  Our Notice of the Right to Opt-Out of the Share/Sale is available on our US Regional Privacy Notice page.

• Request to Know – You have the right to know what personal information we have collected about you, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing your personal information, the categories of third parties to whom we disclose your personal information, and the specific pieces of personal information we have collected about you. 

• Request to Delete - You have the right to request in certain circumstances that we delete any personal information that we have collected directly from you, subject to certain exceptions. 

• Request to Correct - You have the right to request us to correct inaccurate Personal Information that we maintain about you.

• Request to limit use or disclosure of Sensitive Personal Information - While we may collect pieces of sensitive personal information as defined by state privacy laws, such information is either exempt from these laws or is only used or disclosed to provide the Klarna Services or for other purposes permitted by the applicable state privacy laws. . Therefore, we have no obligation to provide you the right to limit the use or disclosure of sensitive personal information under these  laws .

• Use of an Authorized Agent – You may exercise your rights through an authorized agent. Your authorized agent can submit a request by emailing privacy@klarna.com, calling +1 888 518-2771 or through the chat feature in our Customer Service Web Portal. If you use an authorized agent to submit a request to delete, request to correct, or a request to know, we may require the authorized agent to provide proof that the you gave the agent signed permission to submit the request We may also require you to do either of the following: (1) verify your own identity directly with us or (2) Directly confirm with us that you provided the authorized agent permission to submit the request. You or the authorized agent can submit a power of attorney that complies with your state Probate Code as evidence of such authorization.

• Right to not receive discriminatory treatment - If you choose to exercise any of your rights under state privacy laws , you have the right to not receive discriminatory treatment by us. We will not discriminate against you because you exercise any of the rights as described in this section.

• Right to Appeal – If we decline to act on your privacy rights request, you may appeal our decision within 60 days of receiving our response by submitting a written appeal to privacy@klarna.com with the subject line 'Privacy Rights Appeal.' You must clearly identify the original request and the grounds for your appeal. We will review your appeal and respond within 60 days of receipt (or such other period as required by applicable state law). If we deny your appeal, we will provide you with a written explanation of the reason(s) for the denial and, where required by applicable state law, information on how to submit a complaint to your state attorney general or data protection authority. The right to appeal is available to consumers in all U.S. states whose privacy laws require an appeal mechanism, including Connecticut, Montana, Oregon and Minnesota.

• Right to Opt Out of Profiling and Automated Decision-Making – You may have the right to opt out of the processing of your personal information for profiling in furtherance of solely automated decisions that produce legal or similarly significant effects concerning you, such as decisions related to the provision or denial of financial services or credit. 'Profiling' means any form of automated processing of personal data to evaluate, analyze, or predict aspects of your personal life, including your economic situation, creditworthiness, personal preferences, behavior, or location. We use automated systems, including machine learning and AI models, to assist in certain credit decisions and fraud prevention processes as described in Section 3.1 of this Policy. To opt out of profiling, please visit our US Regional Privacy Notice page or contact us at privacy@klarna.com. Please note that certain automated processing activities are integral to the financial services we provide and may be exempt from opt-out rights under applicable law (for example, automated processing necessary to fulfill a contract with you, for fraud prevention, or required under applicable federal or state law). Where an exemption applies, we will inform you of the reason.
  

14.2 Exercising Your Privacy Rights

To protect our customers’ personal information, we are required to verify your identity before we can take action on your requests. To do so we may ask you to verify information about you that we already have on file, for example your mailing address, email address, telephone number or details about a purchase you have made with us. We may have a reason under the law why we do not have to respond to your request, or respond to it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

To submit a request visit our US Regional Privacy Notice  page and submit a request via our webform, email privacy@klarna.com or call +1 888 518-2771.

14.3 Personal Information We Collect, and How it is Used

You have a right to receive notice of how we have handled personal information collected since January 1, 2022.   Specifically: the categories of personal information we collected, the business or commercial purposes for which the personal information is collected, the sources of the personal information, the categories of personal information that we have disclosed to third parties (including the categories sold or shared as those terms are defined by applicable state privacy laws ), the categories of the third parties that we have disclosed personal information and the purposes for those disclosures.  

14.3.1 Categories of Personal Information We Collect

We collect personal information as part of our business. The personal information we collect depends on your relationship with us and which of the Klarna Services you have used (or not used). We collect the following categories of personal information from consumers to deliver the Klarna Services. These are also the categories of personal information we have collected in the prior 12 months. 

• Personal Identifiers - For example, your name, phone number, contact address and email address, Social Security Number, drivers license, passport or other government issued ID, bank account, credit/debit card number bank account, subscription ID, IP address and Device ID. 

• Customer Records - For example, your address, telephone number, credit card, debit card, and bank account information.

• Protected Classifications - For example, your date of birth from which we can derive your age, or your military status.

• Commercial Information - For example, actual or considered transactions, information about your income, information in a credit report, data consumption, preferences or opinions.

• Biometric Information - For example, a facial geometry scan or “faceprint.”

• Internet or other electronic network activity information - For example, browser or device information; interactions with specific websites and advertisements, use of specific services in our mobile application, or internet browsing history, cookies, web beacons, pixel tags, and clickstream or other traffic data.

• Geolocation Information - For example, the geolocation of your personal device.

• Audio, electronic, visual, thermal, olfactory, or similar information - For example, audio recordings or email and chat communications.

• Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics - For example, profiles reflecting your preferences, such as interests, hobbies, characteristic tendencies, behaviors, attitudes or aptitudes, including inferences drawn from personal information like browsing information and clickstream or other website traffic data. 

• Sensitive Personal Information - For example, your Driver's License, Passport or other government issued ID, health information (should you choose to provide it) and email communications (when you have enrolled in Auto-Track).

14.3.2 Categories of Sources of Personal Information

We have collected personal information about consumers from the following sources:

• Your interactions with, or use of the Klarna Services including both information you give us, as well as information we derive from your usage;

• Your contact with our customer support and other communications with us; 

• Third parties, such as data vendors, marketing and advertising partners, consumer reporting agencies or fraud prevention bureaus, your bank, payment service providers you use, or merchants you perform a transaction with;

• Through our websites and mobile applications, using cookies, Clear GIFs, web beacons, mobile application plug-ins, browser extension and similar technologies.

14.3.3 Purposes for Collection and Disclosure of Personal Information

We collect personal information about consumers for the following business and commercial purposes. We may collect information about you for additional purposes that are disclosed to you at the time of collection. 

In some circumstances, we will disclose personal information about you to third parties as described in this notice. In those cases, the disclosure is done for the following business and commercial purposes as well.

• Online Auditing: Auditing related to an interaction with a consumer and a concurrent transaction, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with standards that may apply.

• Detecting and Protecting: Detecting and protecting against security incidents and malicious, deceptive, fraudulent, or illegal activity.

• Debugging: Activities to identify and repair errors in technological functionality.

• Short-term, Transient Use: Data collected, but not retained, other than to facilitate a one-time transaction or non-personalized advertising shown as part of a consumer's current interaction with the business when information is not disclosed to another third party or used to build a profile or to alter consumer experience outside of the current interaction with the business.

• Providing the Klarna Services: Issuing and servicing of Klarna products and services, including but not limited to: customer service; processing or fulfilling orders, subscriptions and transactions; verifying customer information; responding to consumer requests; applications; underwriting; processing payments; transactions; providing IT infrastructure, storage, analytics and similar services.

• Analytic Activities: Analysis to improve Klarna marketing and marketing facilitation purposes, advertising, websites, mobile app, products, and services; to complete behavioral research; and to do other research, reporting, or evaluation.

• Research & Strategic Development: Business, consumer, product, strategy, and technological research and development, excluding marketing and advertising activities.

• Marketing and Advertising of Klarna and its Products and Services: Advertising and marketing Klarna products and services, personalize an individual's Klarna website or mobile app experience, and to deliver content or product and service offerings relevant to an individual's interests, including targeted ads and promotional offers.

• Marketing and Advertising of Klarna and Our Products and Services through Cross-Context Behavioral Advertising and Similar Methods: Advertising and marketing our products and services, and to deliver content or product and service offerings relevant to an individual's interests, including targeted ads and promotional offers through cross context behavioral advertising and similar methods.

• Marketing and Advertising of Our Partners and Their Products and Services: Offering our partner’s products and services, offering membership benefits, personalizing an individual's Klarna website or mobile app experience, and delivering content or product and service offerings relevant to an individual's interests, including targeted ads and promotional offers.

• Legal/Compliance/Regulatory purposes: Satisfying internal and regulatory compliance requirements, responding to regulatory exams, conducting internal and external audits, responding to subpoenas and other law enforcement requests, record keeping, and enforcing or defending our rights and property.

14.3.4 Categories of Personal Information that have Sold or Shared

We have sold/shared the following categories of personal information in the prior 12 months. In each case, the information was sold/shared with Marketing or Advertising partners and Analytics companies for marketing and advertising of Klarna, our products and services, as well as the products and services of our partners through cross-context behavioral advertising and similar methods as well as Online Auditing.

• Personal Identifiers - Specifically email addresses, Device IDs and IP addresses

  • Sold: Yes; Shared: Yes 

• Internet or other electronic network activity information - Specifically information about your use of the Klarna Services, for example how you have used the Klarna mobile app.

  • Sold: Yes; Shared: Yes 

Our Notice of the Right to Opt-Out of the Share/Sale is available on our US Regional Privacy Notice page.

14.3.5 Categories of Personal Information Disclosed

In the preceding 12 months, we have disclosed personal information for a business or commercial purpose, as permitted or required by law or as otherwise set forth in this Policy. When we disclose personal information to a service provider, we enter into a contract that describes our business purpose for disclosing and requires the service provider to keep personal information confidential and to use it only for purposes consistent with the contract between us.

We may disclose all categories of your personal information for a business or commercial purpose to the following third parties:

• 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.

• Consumer reporting agencies, fraud detection companies and collection agencies, as permitted by law.

• Merchants you order goods or services from using the Klarna Services.

• Marketing or advertising partners who assist us in serving advertising. These partners may use tracking technologies to collect or receive information through the Klarna Services and elsewhere on the internet and use that information to provide measurement services and targeted ads. These marketing or advertising partners may allow third party companies to access information about you so that those companies may market other products you may be interested in.

• Klarna Membership partners to provide you benefits if you are a subscriber.  

• Analytics companies.

• Companies that we plan to merge with or be acquired by or to whom we may sell or transfer our assets, including as part of a reorganization or bankruptcy proceeding.

• 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, or with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons. Including, without limitation, LexisNexis Risk Solutions Group; Emailage and ThreatMetrix services: Processing Notices | LexisNexis Risk Solutions.

• Parties to whom you have directed or authorized our disclosure.

• Third parties for any legitimate business purpose not otherwise prohibited by law.

The business and commercial purposes for which we have disclosed personal information are listed in Section 14.3.3.

14.3.6 Retaining Your Personal Information

We have policies and practices requiring the secure deletion of personal information when there is no applicable regulatory retention requirement and we no longer have a business need to use the information for a purpose that is compatible with our disclosed purposes of collection. Personal information that has been aggregated or deidentified so that it cannot reasonably be used to infer information about you or otherwise be linked to you may be retained indefinitely.

The criteria we use to determine the applicable retention period for each category of personal information include: (1) the duration of our relationship with you and your use of Klarna Services; (2) applicable legal, regulatory, or contractual requirements (for example, applicable financial services record-keeping requirements or statutes of limitations); (3) whether the data is necessary to prevent fraud, defend legal claims, or comply with a legal obligation; (4) whether the purpose for which the information was collected can still be accomplished; and (5) industry standard practices for data of that type. For specific retention periods by data category, please contact us at privacy@klarna.com.

14.4 Opt Out Signals and Global Privacy Control (GPC)

Global Privacy Control (GPC): Our websites and applications recognize and honor the Global Privacy Control (GPC) browser signal as a legally valid opt-out of the sale and sharing of your personal information for cross-context behavioral advertising and targeted advertising. When your browser or device sends a GPC signal to our websites, we will treat this signal as an opt-out of the sale and sharing of your personal information, consistent with the requirements of applicable state privacy laws including California, Connecticut, Montana, Oregon, and Minnesota. This opt-out will apply to the specific browser or device sending the GPC signal. For more information about the Global Privacy Control, visit https://globalprivacycontrol.org.

Do Not Track (DNT): Some web browsers transmit 'Do Not Track' (DNT) signals to websites. Because there is currently no universally accepted standard governing how companies should respond to DNT signals, our websites do not respond to DNT signals in a standardized way. However, you may use the opt-out mechanisms described in this Privacy Policy to limit certain uses of your personal information. You can find information about how to manage browser settings in Section 7 of this Policy.

14.4 Notice of Financial Incentive

We may offer customers the opportunity to participate in various incentive, referral,  loyalty, or other promotional programs (collectively “Programs”) related to the collection, retention, sharing or sale of your personal information. By participating in the Programs, you may earn benefits such as rebates (e.g. Cashback Rewards), gift cards, vouchers, discounts and other valuable offers. These benefits may be considered “financial incentives” or “price or service difference”. These Programs may involve collecting the following categories of Personal Information from customers who participate: customer identifiers; customer records; protected class and demographic information; purchase or transaction information; internet or other electronic network activity information and device information; audio, electronic, visual, or other sensory information; and inferences from such information. We are providing you with this information so that you may make an informed decision on whether to participate in any Program.

When you sign-up for the Programs, you opt-in to receive such financial incentives. We may also collect certain personal information in connection with Programs that we used to administer the Program and provide you Program benefits, and to understand your interaction with Klarna Services so that we may improve our products and services and notify you of offers and promotions that may be of interest to you. 

By participating in any such Program, you agree that the financial incentives offered in connection with the Programs are reasonably related to the value of the personal information collected and retained in connection with the Programs.  

14.6 Additional Questions?

If you have any additional questions about the privacy aspects of the Klarna Services please either use the privacy form below, contact Customer Service by emailing privacy@klarna.com, calling +1 888 518-2771 or get in touch through the chat feature in the Klarna app or on our Customer Service Web Portal.