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<!doctype html><html lang="en"><meta charset="utf-8"><meta content="width=device-width,initial-scale=1" name="viewport"><meta content="Klarna’s privacy notice" name="title"><meta content="Klarna makes online shopping simple. Buy what you need today and pay later. Effortless and safe." name="description"><meta content="10.0.0" name="version"><meta content="2024-11-19T09:56:31.876Z" name="publishedAt"><title>Klarna: Klarna’s privacy notice</title><meta content="article" property="og:type"><meta content="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/privacy" property="og:url"><meta content="Klarna’s privacy notice" property="og:title"><meta content="Klarna makes online shopping simple. Buy what you need today and pay later. 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Effortless and safe." property="twitter:description"><meta content="https://cdn.klarna.com/1.0/shared/content/legal/static/images/klarna-og.png" property="twitter:image"><link href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/privacy" rel="canonical"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/favicon.ico" rel="shortcut icon" type="image/x-icon"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/favicon-32x32.png" rel="icon" sizes="32x32" type="image/png"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/favicon-57x57.png" rel="icon" sizes="57x57" type="image/png"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/favicon-76x76.png" rel="icon" sizes="76x76" type="image/png"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/apple-touch-icon-57x57.png" rel="apple-touch-icon" sizes="57x57"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/apple-touch-icon-72x72.png" rel="apple-touch-icon" sizes="72x72"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/apple-touch-icon-76x76.png" rel="apple-touch-icon" sizes="76x76"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/images/apple-touch-icon-180x180.png" rel="apple-touch-icon" sizes="180x180"><link href="https://cdn.klarna.com/1.0/shared/content/legal/static/styles/styles.css?v=3" rel="stylesheet" type="text/css"><script defer="" src="https://cdn.klarna.com/1.0/shared/content/legal/static/js/terms-main.js"></script><header><img alt="Klarna Bank AB logo" class="klarna-logo dark" src="https://cdn.klarna.com/1.0/shared/content/legal/static/images/klarna-logo-black.png"> <img alt="Klarna Bank AB logo" class="klarna-logo light" src="https://cdn.klarna.com/1.0/shared/content/legal/static/images/klarna-logo-white.png"></header><div class="terms--article-container terms--article-container-grid" id="terms--container"><aside id="terms--aside"><nav aria-label="primary" class="terms--article-toc" id="terms--slideout-menu" tabindex="-1"><header><h2 class="terms--article-toc-heading">On this page</h2></header><ul class="terms--article-toc-list" id="terms--toc"><li><a href="#1">1. Who is responsible for your personal data?</a><li><a href="#2">2. Your data protection rights as a data subject</a><li><a href="#3">3. What types of personal data do we collect?</a><li><a href="#4">4. What personal data are used for what purposes and with which legal basis?</a><li><a href="#5">5. How do you withdraw your consent?</a><li><a href="#6">6. Klarna’s profiling and automated decisions that significantly affect you.</a><li><a href="#7">7. Who do we share your personal data with?</a><li><a href="#8">8. When can we transfer your personal data outside of the EU/EEA, and how do we protect it then?</a><li><a href="#9">9. How long we store your personal data</a><li><a href="#10">10. How we use cookies and other types of tracking technology</a><li><a href="#11">11. Updates to this privacy notice</a><li><a href="#12">12. Klarna contact information</a></ul></nav></aside><button aria-expanded="false" aria-label="Toggle navigation menu" class="terms--floating-action" id="terms--slideout-toggle"><svg aria-hidden="true" focusable="false" height="20" width="20" class="terms--menu-icon"><title id="menu-icon-title">Open navigation menu</title><g transform="translate(0, 0) scale(1)"><path d="M20 4.999H0v-2h20v2zM20 17H0v-2h20v2zm0-6H0V9h20v2z" fill="rgba(14, 14, 15, 1)"></path></g></svg> <svg aria-hidden="true" focusable="false" height="20" width="20" class="terms--close-icon"><title id="close-icon-title">Close navigation menu</title><g transform="translate(0, 0) scale(1)"><path d="M10.872 10.004c.449-.14.875-.373 1.23-.729l5.602-5.601L16.29 2.26l-5.602 5.601a.999.999 0 01-1.414 0l-5.57-5.57L2.29 3.705l5.57 5.57c.364.364.8.6 1.261.738a2.86 2.86 0 00-1.229.708L2.29 16.322l1.414 1.414 5.603-5.601a1.022 1.022 0 011.413 0l5.57 5.57 1.414-1.414-5.57-5.57a2.869 2.869 0 00-1.262-.717z" style="transition:fill .2s ease 0s" fill="rgba(14, 14, 15, 1)"></path></g></svg></button><main class="terms--article-main"><article lang="en-IE"><header><div class="terms--header-container"><div class="terms--header-versioning"><div class="terms--badge">v10.0.0</div>Published on November 19, 2024</div><a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/privacy/pdf" class="terms--header-download-text"><svg aria-hidden="true" focusable="false" height="20" width="20"><g transform="translate(0, 0) scale(1)"><path d="M7,16 L13,16 C14.103,16 15,15.103 15,14 L5,14 C5,15.103 5.897,16 7,16 M11,4 L10.9993593,8.588 L12.8284271,6.76 L14.2426407,8.17421356 L10.7071068,11.7097475 C10.3160767,12.1007775 9.68392327,12.1007775 9.29289322,11.7097475 L9.29289322,11.7097475 L5.75735931,8.17421356 L7.17157288,6.76 L8.99935931,8.588 L9,4 L11,4 Z"></path></g></svg> Download as PDF </a><a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/privacy/pdf" class="terms--header-download-mobile"><div>View as PDF</div></a></div><h1>Klarna’s privacy notice</h1>It is important to us that you feel safe when you pay with Klarna or use any of our other services. Therefore, we are providing all the information about how we use your personal data in this privacy notice.</header><section><h2 id="1"><a href="#1" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>1. Who is responsible for your personal data?</h2>Klarna Bank AB (publ), registered with the Swedish Companies Registration Office under company number 556737-0431 and with registered office at Sveavägen 46, 111 34 Stockholm also active through its branches (“Klarna”, “we”, “our” or “us”), is the data controller of your personal data in accordance with the EU Data Protection Regulation (the “GDPR”). If you have any questions regarding the processing of your personal data, please contact our data protection team by writing to <a href="mailto:privacy@klarna.ie" aria-label="privacy@klarna.ie (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy@klarna.ie</a>.</section><section><h2 id="2"><a href="#2" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>2. Your data protection rights as a data subject</h2>You have several rights under the GDPR related to you having control of your personal data and to receive information directly from us on how we process personal data about you. In the following you can read about your rights. If you want to know more or come in contact with us to exercise your rights, the easiest way is to email us on <a href="mailto:privacy@klarna.ie" aria-label="privacy@klarna.ie (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy@klarna.ie</a>. If you want to receive information about the data Klarna holds about you through so-called subject access, or have certain data deleted, you can send a request to us by filling out <a href="https://www.klarna.com/ie/privacy-and-security/#privacy-request-form" aria-label="this form (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">this form</a>, which is available on our homepage. For other types of questions please use the contact details in section 12.Your rights<ul><li>Right to have personal data deleted (“Right to be forgotten”). In some cases, you have the right to have us delete personal data about you. For example you can request us to delete personal data that we (i) no longer need for the purpose it was collected for, or (ii) process based on your consent and you revoke your consent. There are situations where Klarna is unable to delete your data, for example, when the data is still necessary to process for the purpose for which the data was collected, Klarna’s interest to process the data overrides your interest in having them deleted, or because we have a legal obligation to keep it. You can read more about our legal obligations to keep data in section 4 and 9 in this Privacy Notice. The laws described there prevent us from immediately deleting certain data. You also have the right to object to us using your personal data for certain purposes such as direct marketing, which you can read more about in this list of your rights.<li>Right to be informed. You have the right to be informed of how we process your personal data. We do this through this privacy notice, by service-specific FAQs, and by answering your questions.<li>Right to receive access to your personal data (“Data Subject access”). You have the right to know if Klarna processes personal data about you, and to receive a copy (“data extract”) of such data, so-called data subject access. Through the data extract you will receive information about what personal data Klarna holds about you and how we process it.<li>Right to access, and request a transfer, of your personal data to another recipient (“Data portability”).This right means that you can request a copy of the personal data relating to you that Klarna holds for the performance of a contract with you, or based on your consent, in a machine-readable format. This will allow you to use this data somewhere else, for example to transfer your personal data to another controller/recipient.<li>Right to rectification.You have the right to request that we rectify inaccurate information or complete information about you that you consider is inaccurate or incomplete.<li>Right to restrict processing.If you believe that your personal data is inaccurate, that our processing is unlawful or that we do not need the information for a specific purpose, you have the right to request that we restrict the processing of such personal data. You also have the possibility to request that we stop processing your personal data while we assess your request. If you object to our processing per your right described directly below, you may also request us to restrict processing of that personal data while we make our assessment.<li>Right to object against our processing of your personal data.You have the right to object to processing of your personal data which is based on our legitimate interest (Article 6(1)(f) GDPR), by referencing your personal circumstances. You can also always object to our use of your personal data for direct marketing purposes. When you let us know that you no longer wish to receive direct marketing from us, we will turn off marketing for you, and stop sending it to you.<li>Right to object to an automated decision that significantly affects you. You have the right to object to an automated decision made by Klarna if the decision produces legal effects or significantly affects you in a similar way. See section 6 on how Klarna makes use of automated decisions.<li>Right to withdraw yourconsent. As described in section 5 below, where we process your personal data based on your consent or explicit consent, you have the right to revoke that consent at any time. When you revoke your consent we will stop processing your data for such purposes.<li>Right to lodge a complaint. If you have complaints about Klarna’s processing of your personal data, you may lodge a complaint with Integritetsskyddsmyndigheten, which is the Swedish supervisory authority for Klarna’s personal data processing. You can reach Integritetsskyddsmyndigheten through the following <a href="https://www.imy.se/other-lang/" aria-label="link (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">link</a>. You may also lodge a complaint with your national data protection authority, which you can find listed here.Settings in the Klarna mobile application: In the Klarna mobile application, Klarna provides you with the functionality to tailor your preferences for certain services, such as current notifications. <section><h2 id="3"><a href="#3" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>3. What types of personal data do we collect?</h2>In this section, we describe the types of personal data that we collect or create. In section 4, we describe for what purposes we use these types of personal data.</section><li>Contact and identification data - Name, date of birth, social security number, title, occupation, gender, billing and delivery address, e-mail address, mobile phone number, nationality, age, employment and employment history, audio recordings, photos and video recordings of you and your ID card etc.<li>Information about goods/services - Details concerning the goods/services you have bought or ordered (or plan to buy or order), such as type of item or delivery tracking number.<li>Information about your financial standing - Information about, for example, your income, any credits, negative payment history and previous credit approvals.<li>Payment information - Credit and debit card details (card number, expiry date and CVV code), bank account number, bank name.<li>Information about your use of Klarna’s services - Which service(s) and what different functions in these services you have used and how you have used them. This includes information about outstanding and historical debt, your repayment history, and your personal preferences including derived interests.<li>Technical information generated through your use of Klarna’s services - Technical data such as response time for web pages, logs of the way you navigate through our services,  download errors and date and time when you used the service.<li>Information about your contacts with Klarna’s customer service - Recorded phone calls, chat conversations and email correspondence.<li>Your contacts with the stores you shop at or visit - Information about how you interact with stores, such as whether you have received goods and the type of store you shop at.<li>Device information - Device ID, IP address, language settings, browser settings, time zone, operating system, platform, screen resolution and similar information about your device and device settings/usage.<li>Information from external sanction lists and PEP lists - Sanction lists and lists of persons constituting politically exposed persons (“PEP”) include information such as name, date of birth, place of birth, occupation or position, and the reason why the person is on the list in question.<li>Sensitive personal data - Sensitive personal data are data that reveal religious beliefs, political or philosophical views, trade union membership, or constitute information about health, sex life or sexual orientation as well as biometric data. <li>Service-specific personal data - Within the framework of our services through the Klarna Shopping Service Klarna’s savings and payment accounts, Auto-Track, and Financial Insights, we use additional personal data that are not covered by the types listed above. Information regarding each service is listed here:<ul><li>The Klarna mobile application (the “Klarna App”) and browser extension (under the Klarna Shopping Service): All content you upload or submit (such as queries, photos, receipts, product & store reviews, or profile picture), location information, geolocation information and websites you visit in the application’s browser, or with the extension installed;<li>Klarna’s savings and payment accounts: Information about your transactions and deposits and information about where your money comes from, or will be used for. Klarna will also process data about third parties (such as payees or payers) for this service;<li>Auto-Track: Information from the connected e-mail account about your completed purchases, (such as order number, product, price, purchase date, quantity information, payment method used, promotional codes, delivery tracking numbers and carrier). We also collect information related to the delivery (such as delivery status, shipping address, expected date of delivery), information from emails (such as sender, date of email) and information about stores.<li>Financial Insights: Information from your other bank accounts and other types of accounts (such as card accounts) that you choose to connect to the service, as well as information such as account number, bank, historical transactions from your connected accounts and balances and assets; <li>Loyalty Cards Feature: Information from your added third-party membership or loyalty card account such as membership information and credentials, points, status, levels, and balance history.<li>Klarna Cashback: Purchase amounts and dates of purchases that take place through the Klarna Cashback program, regardless of whether you have paid with Klarna or not. We also process information about cashback offer rate per purchase and cashback amount received.</ul></ul><ul><li>Event registration on social media: Information about your profile from your social media account and business information such as your employer’s name, address and type of company.</ul>Detailed information on relevant personal data for each service can also be found in the terms and conditions we have listed <a href="https://www.klarna.com/ie/terms-and-conditions/" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>.</section><section><h2 id="4"><a href="#4" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>4. What personal data are used for what purposes and with which legal basis?</h2>In the tables below you can read about,<ol><li>what we will use your personal data for (the purpose),<li>which types of personal data we use for that purpose, and if the personal data comes directly from you or from another source. In the cases where we have received personal data about you from another source, we provide the source in brackets,<li>what legal rights we have under current data protection legislation, such as the GDPR, to process the data about you, referred to as our “legal basis”, and<li>when Klarna stops using the personal data for each purpose.</ol><h3>4.1 Purposes for which your personal data is always used, regardless of the service you use.</h3><table><tr><td>Purpose of the processing - what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis for processing according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[1] To manage our customer relationship with you in accordance with our agreements, for each service you use. This includes creating and sending information to you in electronic format (not marketing).<td>From you:<ul><li>Contact and identification data.<li>Payment information.<li>Sensitive personal data. </ul>From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device) <li>Service-specific personal data (see section 3).</ul><td>The processing is necessary for Klarna to perform a contract with you (Article 6(1)(b) GDPR). If the service processes information that constitutes sensitive personal data (e.g., from materials you choose to upload), our processing takes place based on your explicit consent (Article 9(2)(a) GDPR).<td>When the contract between you and Klarna terminates, or you withdraw your consent.<tr><td>[2] To be able to perform customer satisfaction surveys, conduct consumer research as well as ask for reviews from you, through email, text messages, phone or via other communication channels.<td>From you:<ul><li>Contact and identification data.<li>Information about your use of Klarna’s services.</ul>From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in being able to perform the personal data processing, that the processing is necessary to achieve that purpose, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the contract between you and Klarna terminates.<tr><td>[3] To ensure network and information security in Klarna’s services.<td>From you:<ul><li>Contact and identification data.</ul>From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device Information. (Your device)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in being able to ensure network and information security, that the processing is necessary to realise that purpose, and that our interest outweighs your right not to have your data processed for this purpose. It is also in your interest as a customer that we ensure good information security. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing lasts for as long as you are using a service.<tr><td>[4] To be able to help you as a vulnerable customer (i.e. if you need extra support when contacting us due to particular circumstances). This means that we can offer you special support, for example, when you contact customer service.<td>From you:<ul><li>Contact and identification data.<li>Sensitive personal data (in the form of information on your health). </ul>From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)</ul><td>Based on your consent (Article 6(1)(a) and Article 9(2)(a) GDPR).<td>When you notify us that you are no longer a vulnerable customer or withdraw your consent. We also cease this processing if and when you notify us that you no longer want to be a Klarna customer.<tr><td>[5] To be able to perform risk analysis, prevent fraud, and carry out risk management.We perform the processing to confirm your identity and that the data you provide is correct, as well as to counter criminal activities.  This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions. <td>From you:<ul><li>Contact and identification data. <li>Payment information.</ul> From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your financial standing. (Klarna and credit information bureaus) <li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Sensitive personal data (Your ID documents)</ul><td>The processing is necessary for Klarna to be able to execute and perform a contract with you (Article 6(1)(b) GDPR). We are also required by law to establish the identity of our customers (Article 6(1)(c) GDPR). (Swedish <a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630" aria-label="Law (2017:630) on measures against money laundering and terrorist financing (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Law (2017:630) on measures against money laundering and terrorist financing</a>) Sensitive personal data are processed based on your explicit consent (Article 9(2)(a) GDPR).<td>This processing will take place while you use any Klarna service, or until you withdraw your consent. However, if Klarna has identified a potential risk in how you use Klarna, we will continue to use your information for this purpose and continuously update our risk assessment if there is a risk of fraud. This processing lasts as long as we are required by law to keep your information. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[6] To anonymise your personal data in order to improve our services and products and to analyse customer behaviour.<td>From you:<ul><li>Contact and identification data.<li>Payment information.</ul> From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device) <li>Service-specific personal data (see section 3).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in anonymising your personal data for product development purposes and in analysing customer behaviour in order to improve the service and customer experience. We ensure that the particular processing this entails is necessary to achieve the purpose in question, and that our interest outweighs your right not to have your data processed for this purpose. By anonymising information concerning you, we also ensure that we use personal data to the lesser extent possible. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for the entire period during which Klarna must retain the information in its systems, for example to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[7] To perform data analysis for product development and testing to improve our risk, fraud and credit models and to design and improve our services (if possible, we first anonymise the data, which means that no personal data processing is performed thereafter).<td>From you:<ul><li>Contact and identification data.<li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Service-specific personal data (see section 3).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in performing data analysis for product development and testing purposes. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose. Furthermore, our customers benefit from the processing because it helps us deliver error-free and sustainable services.You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[8] To perform data analysis to measure and improve our marketing and advertising channels  (if possible, we first anonymise the data, which means that no personal data processing is performed thereafter).<td>From you:<ul><li>Contact and identification data.<li>Payment information. </ul>From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Service-specific personal data (see section 3).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in performing data analysis to measure and improve our marketing and advertising channels. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[9] To calculate payment commissions to suppliers (if possible, we first anonymise the data, which means that no personal data processing takes place thereafter).<td> From other sources:<ul><li>Information about goods/services. (Klarna)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in calculating potential commissions. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for up to 90 days after using a service. <tr><td>[10] To produce statistics and reports for economic analysis or analysis of payment trends or payment volumes in certain regions or industries (if possible, we first anonymise the data, which means that no personal data processing takes place thereafter).<td>From you:<ul><li>Contact and identification data.<li>Payment information.</ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Service-specific personal data (see section 3).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in obtaining statistical data and reports for this purpose. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for the entire period during which Klarna must retain the information in its systems, for example, to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[11] To check and verify your identity.<td>From you:<ul><li>Contact and identification data. </ul><td>The processing is necessary for Klarna to perform a contract with you (Article 6(1)(b) GDPR).<td>As long as you use one of Klarna’s services.<tr><td>[12] To share your personal data with the categories of recipients described in section 7.1 (suppliers and subcontractors, companies within the Klarna Group, persons with authority over your financial transactions, authorities and buyers of receivables, businesses or assets).<td><ul><li>All types mentioned in section 3.</ul><td>Varies depending on the recipient (see section 7.1).<td>This processing takes place for the entire period during which Klarna must retain the data in its systems, for example, to fulfil the agreement with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[13] To decide what kind of marketing or marketing surveys we will provide to you. If you do not want us to perform this processing of your data, please contact us. We will then cease to use your data for marketing. Contact information is available in section 12. The processing may constitute profiling. See section 6 for more information about profiling. <td>From you:<ul><li>Contact and identification data. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device) <li>Service-specific personal data (see section 3).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in identifying which type of marketing we should provide to you. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. We have also considered the fact that marketing is listed as an example of legitimate interest in the GDPR. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the contract between you and Klarna terminates, or if you notify us that you are not interested in this processing.<tr><td>[14] To provide marketing materials, and offers and marketing surveys to you about other products and services we offer that are similar to those you have already used and that are part of Klarna as a shopping platform. If you do not want to receive marketing from us, please contact us to let us know. We will then stop processing your data for sending marketing. See section 12 for our contact information. <td>From you:<ul><li>Contact and identification data. </ul>From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in sending you marketing about our services and offers. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your data processed for this purpose. We have also considered the fact that marketing is listed as an example of legitimate interest in the GDPR. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the contract between you and Klarna terminates, or if you notify us that you are not interested in this processing.<tr><td>[15] Provide you with direct marketing and marketing surveys about offers, products, or services from Klarna, and our stores/partners.<td>From you:<ul><li>Contact and identification data. </ul>From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>The processing is based on your consent (Article 6(1)(a) GDPR). <td>Either when you notify us that you want to withdraw your consent or if you notify us that you are not interested in this processing/opt-out.<tr><td>[16] To protect Klarna from legal claims and safeguard Klarna’s legal rights.<td><ul><li>All types mentioned in section 3.</ul>In the event of a dispute, Klarna may also collect other types of personal data concerning you if we need them to exercise our rights. <td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in being able to protect ourselves from legal claims. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose.You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>This processing takes place for the entire period during which Klarna must retain the information in its systems, for example to perform the contract executed with you or to comply with applicable law. See section 9 for more information on our obligations and right to retain information according to law.</table><h3>4.2 Purposes for which your personal data are used when you use one of Klarna’s payment methods, Klarna at a store, or choose to pay by debit or credit card in Klarna’s check-out at a store.</h3><table><tr><td>Purpose of the processing - what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis for processing according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[17] To transfer the store’s right to payment for your purchase to Klarna (“factoring”).<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus) <li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we (and the store) have a legitimate interest in selling or buying your outstanding debt. We ensure that the processing is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose.  You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the purchase takes place.<tr><td>[18] To share your personal information with the categories of recipients described in section 7.2 (stores, payment service providers, checkout providers, card networks and financial institutions, fraud prevention agencies and companies providing identity information, and Google).<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)</ul><td>Varies depending on the recipient (see section 7.2).<td>Primarily when the purchase takes place, but it also occurs during the entire period that Klarna has the data in its systems, i.e. until the data is deleted. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[19] When you shop in a store that offers Klarna as a payment method or has Klarna checkout, we will assess the order in which different payment methods should be presented to you at the store checkout.This processing constitutes profiling. See section 6 for more information about profiling.<td>From you:<ul><li>Contact and identification data.</ul>From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna) <li>Your contacts with the stores you shop at or visit. (The store)</ul><td>If you have accepted and use the Klarna service called “Shopping Service” as described in more detail in the terms and conditions of the service, which you will find <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/user" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>, then the legal basis for the processing is the performance of the contract (Article 6(1)(b) GDPR).Alternatively, if you have not entered into the “Shopping Service” agreement, the processing will be based on a balancing of interests instead (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in examining the order in which different payment options will be presented to you when checking out at the store. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose.  You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the payment methods are shown at checkout.<tr><td>[20] To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions. Klarna also conducts ongoing risk assessments and creates risk models to counter money laundering and terrorist financing.  This processing constitutes profiling and automated decision making. See section 6 for more information about profiling and automated decisions.<td>From you:<ul><li>Contact and identification data. <li>Payment information.<li>Sensitive personal data</ul>From other sources:<ul><li>Information about goods/services. <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information (Your device) <li>Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)<li>Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists, as well as biometric information from your ID and picture submitted).<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>To comply with law (Article 6(1)(c) GDPR). (Swedish <a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630" aria-label="Law (2017:630) on measures against money laundering and terrorist financing (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Law (2017:630) on measures against money laundering and terrorist financing</a>)As regards sensitive personal data, the basis is that the processing is necessary for reasons of the public interest (Article 9(2)(g) GDPR). However, if you have supplied us with sensitive personal data, it is processed based on your explicit consent.<td>When the agreement between you and Klarna is terminated. See section 9 for more information on our obligations and right to retain information in accordance with the law. <tr><td>[21] To perform a fraud prevention assessment before a purchase is accepted. This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions.  Also see section 7.2.3 on our use of fraud prevention agencies to which your information may be shared, and our legal basis for that sharing. If we identify potential fraudulent transactions we will also report this to our fraud prevention bureaus as set out in Section 7.2.3.<td>From you:<ul><li>Contact and identification data. <li>Payment information.</ul>From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Sensitive personal data. (Biometric information from your ID and picture submitted).</ul>In addition to the above, Klarna receives information from fraud prevention agencies, checkout providers and payment service providers on whether your information indicates an attempt at fraud.<td>To enter into and perform the agreement (Article 6(1)(b) GDPR).Sensitive personal data are processed based on your explicit consent (Article 9(2)(a) GDPR).<td>When the fraud assessment is performed, or you withdraw your consent.<tr><td>[22] To perform bookkeeping and accounting in accordance with accounting laws and preserve them in compliance with the applicable law.<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)<li>Information about your contacts with Klarna’s customer service. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>To comply with law (Article 6(1)(c) GDPR). (<a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/bokforingslag-19991078_sfs-1999-1078" aria-label="The Swedish Accounting Act (1999:1078 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">The Swedish Accounting Act (1999:1078</a>))<td>During the period in which the bookkeeping is recorded and 7 years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[23] To perform calculations in accordance with rules on capital adequacy obligations. <td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>To comply with law (Article 6(1)(c) GDPR). (<a href="https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32013R0575&qid=1617706896046&from=EN" aria-label="Capital Adequacy Regulation 575/2013 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Capital Adequacy Regulation 575/2013</a>, and <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32013L0036&qid=1617707222180&from=EN" aria-label="Capital Adequacy Directive 2013/36 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Capital Adequacy Directive 2013/36</a><a href="https://eur-lex.europa.eu/legal-content/SV/TXT/PDF/?uri=CELEX:02013L0036-20201229&qid=1615910641599&from=SV" aria-label=") (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">)</a><td>Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.</table><h3>4.3 Purposes for which your personal data is used when you use one of Klarna’s payment methods involving the provision of credit or when you use the Klarna card, pay with Instore, pay with Klarna through digital wallets or the One-time Card Shopping Service.</h3>The following services involve providing credit to you: “Pay later” (invoice), “Pay in full” (for payment by direct debit), “Financing” and “Pay in 3 instalments” (pay in instalments), as well as the Klarna card and the One-time Card Shopping Service (both of which are offered in the Klarna mobile application or browser extension).<table><tr><td>Purpose of the processing - what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[24] To perform a credit assessmentbefore credit is granted. This constitutes profiling and the decision to approve or reject the credit constitutes an “automated decision”. See section 6 for more information about profiling and automated decisions. Also see section 7.3.1 on our use of credit information bureaus to which your information may be shared, and our legal basis for that sharing.<td>From you:<ul><li>Contact and identification data. </ul> From other sources:<ul><li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)</ul><td>To enter into and perform the credit agreement (Article 6(1)(b) GDPR).<td>When the credit assessment is performed.<tr><td>[25] Determining which is the most efficient way to contact you about your outstanding debt. This will not affect communications which are legally required under consumer credit legislation. This processing constitutes profiling. See section 6 for more information about profiling.<td>From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we (and you) have a legitimate interest in making sure you are contacted in an efficient manner about your outstanding debt. We ensure that the processing is necessary to pursue that interest, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>As long as you have outstanding debt with Klarna.<tr><td>[26] To share your personal data with the types of recipients described in section 7.3 (credit bureaus, debt collection companies and other buyers of outstanding receivables, as well as VISA, debt acquirers and digital wallet providers). <td>From you:<ul><li>Contact and identification data.<li>Payment information.<li>Information that you are a vulnerable customer where applicable.</ul>From other sources:<ul><li>Information about goods and services. (The store)<li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)</ul><td>Varies depending on the recipient (see section 7.3).<td>Primarily when the purchase takes place, but also as long as Klarna retains the data in its systems, i.e., until it is deleted. See section 9 for more information on our obligations and right to retain information according to law. <tr><td>[27] To transfer Klarna’s right to payment for your purchase to a new owner.<td>From you:<ul><li>Contact and identification data.</ul> From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your financial standing. (Klarna and credit information bureaus) <li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in selling outstanding credits as part of conducting our business. We ensure that the processing is necessary to pursue that interest, and that our interest outweighs your right not to have your data processed for this purpose.  You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>The processing may be performed while the debt is unpaid (you will be notified if the debt is transferred).<tr><td>[28] To perform debt collection services, i.e. to collect and sell overdue debts.<td>From you:<ul><li>Contact and identification data. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus) <li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in collecting and selling debts. We ensure that the processing this entails is necessary to achieve the purpose of the processing, and that our interest outweighs your right not to have your data processed for this purpose.  You may contact us for more information about how the determination was made or if you wish to object to this processing. See section 12 for our contact information.<td>When the debt has been paid.<tr><td>[29] To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions, conducting risk assessments and creating risk models.  This processing constitutes profiling, and a decision that you imply a money laundering risk constitutes an “automated decision”. See section 6 for more information about profiling and automated decisions.<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)<li>Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists, as well as biometric information from your ID and picture submitted).</ul><td>To comply with law (Article 6(1)(c) GDPR). (Swedish <a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630" aria-label="Law (2017:630) on measures against money laundering and terrorist financing (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Law (2017:630) on measures against money laundering and terrorist financing</a>). As regards sensitive personal data, the condition is that the processing is necessary in the public interest (Article 9(2)(g) GDPR).<td>Up to five years from the termination of the agreement or after the termination of the customer relationship (up to ten years in cases where law enforcement authorities so request). See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[30] Filing and accounting in accordance with accounting laws.<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>To comply with law (Article 6(1)(c) GDPR). (<a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/bokforingslag-19991078_sfs-1999-1078" aria-label="The Swedish Accounting Act (1999:1078 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">The Swedish Accounting Act (1999:1078</a>))<td>Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.</table><h3>4.4 Use of your (and third parties’) personal data to give you access to Klarna account services (Klarna balance, savings, and payment accounts).</h3><table><tr><td>Purpose of the processing – what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[31] Not applicable in your market.<td><td><td><tr><td>[32] To provide Klarna’s savings and payment accounts.<td>From you:<ul><li>Contact and identification data.<li>Sensitive personal data. </ul> From other sources:<ul><li>Information about your financial standing. (Klarna and credit information bureaus)<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>The processing is necessary for Klarna to perform a contract with you (Article 6(1)(b) GDPR).  Information about third parties (such as payment recipient or payer) is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we and you (and also the payment recipient/payer) have a legitimate interest in having these data processed to perform the transactions in question. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose.  You may contact us for more information about how the determination was made. See section 12 for our contact information.<td>When the contract between you and Klarna terminates.<tr><td>[33] To share your personal data with the categories of recipients described in section 7.4 (credit institutions and other financial institutions).<td>From you:<ul><li>Contact and identification data.<li>Sensitive personal data. </ul> From other sources:<ul><li>Information about your financial standing. (Klarna and credit information bureaus)<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>The processing is necessary for Klarna to perform a contract with you (Article 6(1)(b) GDPR). The service terms are available <a href="https://www.klarna.com/se/villkor/" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>.<td>When the contract between you and Klarna terminates.<tr><td>[34] To prevent Klarna’s operations from being used for money laundering or terrorist financing, by verifying your identity, monitoring and reviewing transactions, conducting risk assessments and creating risk models.  This processing constitutes profiling, and a decision that you imply a money laundering risk constitutes an automated decision. See section 6 for more information about profiling and automated decisions.<td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Information from external sanction lists and PEP lists. (Sanction lists and PEP lists)<li>Sensitive personal data (information about political opinion, religious beliefs and/or health information contained in the PEP lists, as well as biometric information from your ID and picture submitted).<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>To comply with law (Article 6(1)(c) GDPR). (Swedish <a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630" aria-label="Law (2017:630) on measures against money laundering and terrorist financing (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Law (2017:630) on measures against money laundering and terrorist financing</a>). As regards sensitive personal data, the condition is that the processing is necessary in the public interest (Article 9(2)(g) GDPR).<td>Up to five years from the termination of the contract or after the termination of the customer relationship (up to ten years in cases where law enforcement authorities so request). See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[35] Filing and accounting in accordance with accounting laws. <td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store) <li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)</ul><td>To comply with law (Article 6(1)(c) GDPR). (<a href="https://www.riksdagen.se/sv/dokument-lagar/dokument/svensk-forfattningssamling/bokforingslag-19991078_sfs-1999-1078" aria-label="The Swedish Accounting Act (1999:1078 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">The Swedish Accounting Act (1999:1078</a>))<td>Seven years after the end of the year in which the information first was registered. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[36] To perform calculations in accordance with rules on capital adequacy obligations. <td>From you:<ul><li>Contact and identification data. <li>Payment information. </ul> From other sources:<ul><li>Information about goods/services. (The store)<li>Information about your financial standing. (Klarna and credit information bureaus)<li>Information about your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)<li>Service-specific personal data (see section 3 for information about Klarna’s savings and payment accounts).</ul><td>To comply with law (Article 6(1)(c) GDPR) (<a href="https://eur-lex.europa.eu/legal-content/SV/TXT/PDF/?uri=CELEX:02013R0575-20201228&qid=1615910341971&from=SV" aria-label="Capital Adequacy Regulation 575/2013 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Capital Adequacy Regulation 575/2013</a>, and <a href="https://eur-lex.europa.eu/legal-content/SV/TXT/PDF/?uri=CELEX:02013L0036-20201229&qid=1615910641599&from=SV" aria-label="Capital Adequacy Directive 2013/36) (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Capital Adequacy Directive 2013/36)</a><td>Seven years after the end of the year in which the information was registered. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[37] Not applicable in your market.<td><td><td></table><h3>4.5 Use of your personal data when you use Klarna’s Shopping Service. </h3>When you use Klarna’s Shopping Service, Klarna will process your personal data for the purposes described in the table below. The terms of the Shopping Service and the description of the functions included in the shopping service are available <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/user" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>.<table><tr><td>Purpose of the processing - what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[38] To deliver Klarna’s Shopping Service and the functions included therein.The service involves profiling you to personalise the content in the Klarna mobile application and at Klarna’s checkout.<td><ul><li>All types mentioned in section 3; <li>Names and addresses you add as delivery addresses on your User Account.<li>Service-specific personal data (see section 3).<li>Sensitive personal data.</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR). If the shopping service also processes data that constitutes sensitive personal data (if you have uploaded this data, for example, through receipts for certain purchases/memberships, through product & store reviews or if you have otherwise given us access to this data), our processing takes place based on your explicit consent (Article 9(2)(a) GDPR). See section 3 for more information about this kind of personal data.<td>When the contract between you and Klarna terminates or you withdraw your consent.<tr><td>[39] You can choose to share your location and geolocation information with us. We use this information to find stores and offers in your vicinity, to present in the Klarna mobile application or at Klarna.com. You can turn off location and geolocation information sharing on your device at any time.<td>From you:<ul><li>Service-specific personal data (see section 3, location and geolocation information).</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates.<tr><td>[40] To provide a browser, through the Klarna mobile application, for you to visit, for example, stores’ websites. Klarna will collect information about how you use the browser to customise the contents of the Klarna mobile application. <td>From you:<ul><li>Sensitive personal data.<li>Service-specific personal data (see section 3 for information about the Klarna mobile application).</ul>From other sources:<ul><li>Information about goods/services. (Klarna or store you shop from)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR). If the service processes information that constitutes sensitive personal data (e.g. from pages you visit), our processing will take place based on your explicit consent (Article 9(2)(a) GDPR). However, this sensitive information will not be used for any purpose other than to show you the current website in the browser.<td>When the contract between you and Klarna terminates.<tr><td>[41] To perform fraud prevention assessments when using the Klarna Shopping Service.This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose, to be able to determine if you constitute a risk of fraud. See section 6 for more information about profiling and automated decisions. Also see section 7.5.6 on our use of fraud prevention agencies to which your information may be shared, and our legal basis for that sharing.<td>From you:<ul><li>Contact and identification data.</ul> From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Your contacts with the stores you shop at or visit. (The store)<li>Device information. (Your device)</ul> In addition to the above, Klarna receives information from fraud prevention agencies on whether your information indicates an attempt at fraud.<td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the fraud assessment is performed.<tr><td>[42] To share your personal data with the categories of recipients described in section 7.5 (affiliate networks, Google, partners within the framework of the Financial Insights service and the offer and benefit program, and logistics and transportation companies, Advertising services, third-party apps and services (for SIWK), fraud prevention agencies and companies providing identity checks).<td>From you:<ul><li>Contact and identification data.<li>Sensitive personal data (if you have uploaded or otherwise given us access to such data).</ul> From other sources:<ul><li>Information about goods/services. (The store)<li>Device information. (Your device)<li>Service-specific personal data (see section 3 for information about the Klarna mobile application).</ul><td>Varies depending on the recipient (see section 7.5).<td>When the contract between you and Klarna terminates.<tr><td>[43] To show you relevant Klarna advertising through our third party <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="advertising service (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">advertising service</a>s on non-Klarna sites and non-Klarna advertising through <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="digital advertising platforms (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">digital advertising platforms</a> in the Klarna App and in Klarna’s marketing channels.We also assess the relevancy of such advertising. This is based on your user behaviour and Klarna profile.You may see such relevant advertisements when you are on other websites and apps, delivered to you through those third party <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="advertising services (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">advertising services</a>, or in the Klarna App through the <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="digital advertising platforms (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">digital advertising platforms</a>. See section 7.5.5 for information about this data sharing. This processing may constitute profiling which aims to customise the marketing based on what we think you may be interested in. You can read more about profiling in section 6.<td>From you:<ul><li>Contact and identification data.</ul> From other sources:<ul><li>Information about your use of Klarna’s services. (Klarna)<li>Device information. (Klarna)</ul><td>This is based on where you have given your consent (under Article 6(1)(a) GDPR). <td>Either when you notify us that you want to withdraw your consent or if you notify us that you are not interested in this processing. We will also cease this processing if and when you notify us that you no longer want to be a Klarna customer.<tr><td>[44] To determine your eligibility for earning cashback when you make purchases through a cashback offer in the Klarna app, and to calculate the due cashback amount.<td>From you:<ul><li>Contact and identification data.</ul>From other sources:<ul><li>Information about goods/services. (The store).<li>Device information. (Klarna)<li>Service-specific personal data (see section 3 for information about Klarna Cashback).</ul><td>This processing is necessary for Klarna to perform a contract (terms and conditions for the Klarna Cashback program) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates.<tr><td>[45] If you choose to sign in with Klarna (through “SIWK”) at a third-party app or service, Klarna will share your personal data with the store or on-line service.<td>From you:<ul><li>Contact and identification data.</ul> From other sources:<ul><li>Contact and identification data (Klarna).<li>Information about goods/services (Klarna)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates. We will also cease this processing if and when you notify us that you no longer want to use this specific functionality.<tr><td>[46] To automatically manage purchase disputes or complaints about goods. This processing constitutes automated decision-making. We use automated decision-making for this purpose to be able to ensure timely and consistent outcomes of disputes or complaints. See section 6 for more information about automated decisions.<td>From you:<ul><li>Contact and identification data.<li>Information about your contacts with Klarna’s customer service.</ul>From other sources:<ul><li>Device information. (Your device)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>If you have accepted and use the Klarna service called “Shopping Service” as described in more detail in the terms and conditions of the service, which you will find <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en-ie/user" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>, then the legal basis for the processing is the performance of the contract (Article 6(1)(b) GDPR).Alternatively, if you have not entered into the “Klarna Shopping Service” agreement, or have not made the disputed purchase, the processing will be based on your consent (Article 6(1)(a) GDPR).<td>When the dispute has been managed, or alternatively where the processing is based on consent when you notify us that you want to withdraw your consent. <tr><td>[47] To present you with relevant content and product recommendations when you use our product expert- and shopping assistant functionality. These assistants base their recommendations on information we have about you, together with preferences or queries you provide. This processing constitutes profiling. See section 6 for more information about profiling.<td>From you:<ul><li>Contact and identification data.<li>Service-specific personal data (see section 3 for information about the Klarna mobile application).</ul>From other sources:<ul><li>Information about goods/services. (Klarna and stores)<li>Information about your financial standing. (Klarna)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)<li>Device information. (Your device)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates.<tr><td>[48] To provide feedback or new ideas to our feedback assistant. <td>From you:<ul><li>Contact and identification data.<li>Service-specific personal data (see section 3 for information about the Klarna mobile application).</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in being able to perform the personal data processing, that the processing is necessary to achieve that purpose, and that our interest outweighs your right not to have your data processed for this purpose. You may contact us for more information about how the determination was made or if you wish to object to this processing.  See section 12 for our contact information.<td>When the feedback has been provided and managed.</table><h3>4.6 Additional services you can access for example via the Klarna mobile application or through Klarna’s browser extension.</h3><table><tr><td>Purpose of the processing - what we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis according to the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[49] If you have connected your e-mail account to Klarna’s Auto-Track service, Klarna will regularly connect to your e-mail account(s) to obtain information about your purchases.You can terminate this service at any time and thereby delete Klarna’s access to your e-mail account. <td>From other sources:<ul><li>Sensitive personal data. (The webmail provider)<li>Service-specific personal data (see section 3 for information about Auto-Track). (The webmail provider)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR). If the service processes sensitive personal data (from your transactions), our processing will take place based on your explicit consent (Article 9(2)(a) GDPR). See section 3 for more descriptive information.<td>When the contract between you and Klarna terminates, or you withdraw your consent.<tr><td>[50] If you have chosen to connect your bank accounts to the Financial Insights service, Klarna will display and give you tools to control your finances, by means of offers tailored to your specific needs. This processing constitutes profiling which aims to customise the service’s content based on what we think you may be interested in. You can read more about profiling in section 6. If you choose to take advantage of offers and benefits that Klarna delivers within the framework of this service, we will share your personal information with the partner who delivers these (see section 7.5.3).<td>From other sources: <ul><li>Sensitive personal data. (Your connected account)<li>Service-specific personal data (see section 3 for information about Financial Insights). (Your connected account)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR). If the service processes sensitive personal data (from your transactions), our processing will take place based on your explicit consent (Article 9(2)(a) GDPR). See section 3 for more information.<td>When the contract between you and Klarna terminates, or you withdraw your consent.<tr><td>[51] If you use our browser extension, Klarna will process your data to deliver the service, which includes processing information about which websites/web domains you visit:Klarna processes information about the ecommerce websites/web domains you visit in order to identify deals, offer cash back and provide you with customised offers in the Klarna extension and mobile application. This processing is also done to allow you to create One-time Cards directly in your browser on websites where this service is enabled.Information about non-ecommerce websites/web domains visited will not be stored by Klarna.Read more about how your personal data is used in the extension FAQ. <td>From you: <ul><li>Contact and identification data.<li>Information about goods/services.<li>Payment information.<li>Your contacts with the stores you shop at or visit.<li>Sensitive personal data.<li>Service-specific personal data (see section 3 for information about the Klarna mobile application and browser extension).</ul>From other sources:<ul><li>Device information. (Your device)<li>Information about your use of Klarna’s services. (Klarna)<li>Technical information generated through your use of Klarna’s services. (Klarna)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the Klarna Shopping Service) with you (Article 6(1)(b) GDPR). If the service processes information that constitutes sensitive personal data (i.e. such data about the websites/web domains you visit), our processing will be based on your explicit consent (Article 9(2)(a) GDPR). See section 3 for more information about this kind of personal data.<td>When the contract between you and Klarna terminates, or you withdraw your consent. <tr><td>[52] If you have added a third-party membership or loyalty card account to Klarna’s Loyalty Cards Feature, Klarna will process your data to deliver the service. This includes Klarna regularly connecting to your third-party card account to import membership points, levels, and balance history.You can terminate this service at any time and thereby revoke Klarna’s access to your membership or loyalty card account.<td>From other sources:<ul><li>Service-specific personal data (see section 3 for information about the Loyalty Cards Feature). (Your connected third-party membership or loyalty card account)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates.</table><h3>4.7 Offers and invitations to events posted on social media, and when you contact us through social media.</h3><table><tr><td>Purpose of the processing - What we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis for processing in accordance with the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[53] If you sign up for an event posted on social media, we will process your personal data to provide the requested service. You can always unsubscribe from this by contacting us. See section 12 for contact information.<td>From you:<ul><li>Contact and identification data.</ul><ul><li>Event registration on social media.</ul><td>The processing is necessary for Klarna to perform a contract with you (as regards the participation in the event) (Article 6(1)(b) GDPR). You may contact us for more information about how the determination was made. See section 12 for our contact information.<td>When the event has been held.</table><h3>4.8 Klarna’s processing when you contact Klarna’s customer service.</h3><table><tr><td>Purpose of the processing - What we do and why.<td>Type of personal data used for the purpose, and where they come from (the source). See section 3 to read more about the different types of personal data.<td>Legal basis for processing in accordance with the GDPR.<td>When the purpose of using the personal data ends. See section 9 for when Klarna deletes the data.<tr><td>[54] To handle all matters that come to Klarna’s customer service.This includes retaining various forms of written conversations to document customer issues, as well as for security purposes and to counter fraud. <td>From you:<ul><li>Information about your contacts with Klarna’s customer service.</ul> From other sources:<ul><li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>Performance of contracts (Article 6(1)(b) GDPR).<td>Up to ten years, based on the statute of limitations. See section 9 for more information on our obligations and right to retain information according to law.<tr><td>[55] To help you solve issues related to your purchases when you use our customer service assistant. This processing constitutes profiling. See section 6 for more information about profiling.<td>From you:<ul><li>Contact and identification data. </ul>From other sources:<ul><li>Information about your financial standing.<li>Information about goods/services.<li>Payment information.<li>Information about your use of Klarna’s services <li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>The processing is necessary for Klarna to perform a contract (terms and conditions for the shopping service) with you (Article 6(1)(b) GDPR).<td>When the contract between you and Klarna terminates.<tr><td>[56] Quality and service improvement (to ensure satisfactory customer service). We may record telephone conversations as well as screen sharing sessions between you and our employees for quality purposes in order to deliver better products and services to you.<td>From you:<ul><li>Information about your contacts with Klarna’s customer service. </ul> From other sources:<ul><li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in improving our services, our internal training and quality control. We ensure that the particular processing this involves is necessary to achieve that purpose, and that our interest outweighs your right not to have your data processed for this purpose. As a customer, you also have an interest in the quality of your interactions with Klarna. You may contact us for more information about how the determination was made or if you wish to object to this processing. Please see the contact information in section 12.<td>We process the recordings of telephone conversations for up to 90 days for quality assurance purposes, and the recorded screen sharing sessions for up to 30 days for quality assurance purposes.<tr><td>[57] Documenting what has been said when talking to our customer service (to ensure we have documented what has been agreed or discussed). We use recorded telephone conversations between you and our employees as well as manual and automated notations to document what has been said<td>From you:<ul><li>Information about your contacts with Klarna’s customer service. </ul> From other sources:<ul><li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>The processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest to document communications with Klarna’s customer service. We ensure that the particular processing this entails is necessary to achieve that purpose, and that our interest outweighs your right not to have your data processed for this purpose. As a customer, you also have an interest in ensuring impartial means of documenting what has been discussed. You may contact us for more information about how the determination was made or if you wish to object to this processing. Please see the contact information in section 12.<td>We process the recordings of telephone conversations for up to three years and the phone call notations up to six years, in order to document what has been discussed and decided on the call.<tr><td>[58] If you contact us via social media such as Facebook, Instagram or Twitter, your personal data will also be collected and processed by these companies, in accordance with their privacy notices. The same is true for the answer you get from us. Klarna processes this information to answer your questions.<td>From you:<ul><li>Contact and identification data. <li>Information about your contacts with Klarna’s customer service.</ul> From other sources:<ul><li>Information about your contacts with Klarna’s customer service. (Klarna)</ul><td>Performance of contracts (Article 6(1)(b) GDPR).<td>When we have answered your question.<tr><td>[59] To handle voluntary blocks for using Klarna’s services, i.e. if you contact us and ask us to prevent you from being able to use our services. Your voluntary block can be lifted by you at any time by contacting us again.<td>From you:<ul><li>Contact and identification data. <li>Information about your contacts with Klarna’s customer service.</ul><td>Based on your consent (Article 6(1)(a).<td>When you notify us that you no longer want to be blocked from using our services or withdraw your consent. We also cease this processing if and when you notify us that you no longer want to be a Klarna customer at all.</table></section><section><h2 id="5"><a href="#5" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>5. How do you withdraw your consent?</h2>When Klarna uses your personal data based on your consent, you can withdraw your consent at any time. You can do this by sending an e-mail to <a href="mailto:privacy@klarna.ie" aria-label="privacy@klarna.ie (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy@klarna.ie</a> or via the contact information you find in section 12.You can also delete uploaded information from the Klarna mobile application, or end the service where personal data is processed. We will then delete the information. If you withdraw your consent or delete the uploaded information, you may be unable to use the service in cases where Klarna’s processing of personal data takes place based on your consent. Lastly: As described in section 2 above you also have the right to object against certain personal data processing (for example you may turn off marketing). You also have a right to have certain personal data erased, which is also described in section 2. </section><section><h2 id="6"><a href="#6" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>6. Klarna’s profiling and automated decisions that significantly affect you.</h2><h3>6.1 Klarna’s profiling of you as a customer.</h3>“Profiling” means an automated processing of personal data to evaluate certain personal matters, for example, by analysing or predicting your personal preferences, such as buying interests. At the same time, we compare your data with what our other customers, with similar use of our services, have preferred.The purpose of Klarna’s profiling and the personal data types used for each occasion and for each profiling are described in detail in section 4 above. You can match the below descriptions with the purposes in section 4 above using the numbers in brackets “[x]”.  The profiling for these purposes does not have a significant impact on you as a customer.We use profiling for the following purposes:<ul><li>to deliver our customised services, which customise their content and recommendations based on what we think is most interesting or relevant to you (this applies to the Klarna mobile application, its various functions such as the product expert and shopping assistants, when you interact with our customer service assistant and the order different payment methods appear at Klarna’s checkout), (Purposes [19, 38, 47, 50 and 55] in section 4)<li>to determine which is the most efficient way to contact you about your outstanding debt (looking at different channels, for example by sms or email, or the timing of such communication), (Purpose [25] in section 4) and<li>to deliver customised marketing to you across both our own and external platforms and services. (Purposes [13 and 43] in section 4)Our services utilise machine learning models and artificial intelligence models in order to provide you with as relevant content as possible.</ul>If you have any questions about how the profiling process works, please contact us. Contact information is available in section 12. You may object to our marketing profiling at any time by contacting us (and we will then cease profiling for marketing purposes). You may also end our profiling for our services by terminating the service.<h3>6.2 Klarna’s automated decisions that significantly affect you.</h3>Automated decisions with legal effect, or automated decisions that similarly significantly affect you, means that certain decisions in our services are completely automated, without our employees being involved. These decisions have a significant effect on you as a customer, comparable to legal effects. By making such decisions automatically, Klarna increases its objectivity and transparency in the decision to offer you these services. At the same time, you have the right to object to these decisions at all times. You can read about how to object to these decisions at the end of this section 6.2. When doing these assessments we utilise machine learning models and artificial intelligence models in order to ensure as high quality as possible in our decisions.Automated decisions that significantly affect you also mean that profiling is performed based on your data before the decision is made. This profiling is made to assess your financial situation (before the decision to offer or grant credit),to identify whether your use of our services involves a risk of fraud or money laundering or to decide whether you are liable for a purchase. We profile your user behaviour and financial standing and compare this data with behaviours and conditions that indicate different risk levels for us.The different user behaviour and conditions are evaluated and weighted into our automated decision-models, so that we end up with a totalling score, which then results in either accepting or rejecting your use of our Services. We can also choose to request further identification from you, if we are not sure who you are.When does Klarna take automated decisions that significantly affect you?The personal data types used in each decision are described in section 4. You can match the below descriptions with the purposes in section 4 above using the numbers in brackets “[x]”.We make this kind of automated decision when we:<ul><li>decide to approve your application, or to offer you,  to use a credit service.<li>decide not to approve your application, or not to offer you, to use a credit service. These automated credit decisions are based on the data you provide to us, data from external sources such as credit bureaus’ credit worthiness reports and Klarna’s own internal information about you if we have lent you money before. In addition to information about you, Klarna’s credit model includes a large number of other factors, such as Klarna’s internal credit risk levels and our customers’ general repayment rates (based on, for example, the current product category). (Purposes [24 and 31] in section 4).<li>decide whether you pose a risk of fraud, if our processing shows that your behaviour indicates possible fraudulent conduct, that your behaviour is not consistent with previous use of our services, or that you have attempted to conceal your true identity. Automated decisions whereby we assess whether you constitute a fraud risk are based on information you have provided yourself, data from fraud prevention agencies (see section 7.2.3. for details of which ones we use), and Klarna’s own internal information. Klarna continuously develops our fraud models to keep our services secure, and closely investigate how fraudsters operate on different markets (for example which merchant categories or products are mostly subject to fraud attempts). (Purposes [5, 21 and 41] in section 4).<li>decide whether there is a risk of money laundering, if our processing shows that your behaviour indicates money laundering. In relevant cases, Klarna also investigates whether specific customers are listed on sanction lists. (Purposes [20, 29 and 34] in section 4).<li>decide whether you are liable for a purchase that you have disputed as “unauthorised” based on whether the information you provide, or we have about the purchase, point towards potential fraudulent behaviour or not. This by comparing what has happened in your case to other transactions indicating fraudulent behaviour. (Purpose [46] in section 4).</ul>See section 7 for more information about whom we share information with as regards profiling during automated decisions.If you are not approved under the automated decisions described above, you will not have access to, or will not be able to use Klarna’s services, such as our payment methods. Klarna has several safety mechanisms to ensure the decisions are appropriate and fair. These mechanisms include ongoing overviews of our decision models and random sampling in individual cases. If you have any concern about the outcome, you can always contact us, and we will determine whether the procedure was performed appropriately. You can also object in accordance with the following instructions.Your right to object to these automated decisionsYou always have the right to object to an automated decision with legal consequences or decisions which can otherwise significantly affect you (together with the relevant profiling) by sending an e-mail message to <a href="mailto:privacy@klarna.ie" aria-label="privacy@klarna.ie (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy@klarna.ie</a>. A Klarna employee will then review the decision, taking into account any additional information and circumstances that you provide to us.</section><section><h2 id="7"><a href="#7" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>7. Who do we share your personal data with?</h2>When we share your personal data, we ensure that the recipient processes it in accordance with this notice, such as by entering into data transfer agreements or data processor agreements with the recipients. Those agreements include all reasonable contractual, legal, technical and organisational measures to ensure that your information is processed with an adequate level of protection and in accordance with applicable law.<h3>7.1 Categories of recipients with whom Klarna will always share your personal information, regardless of the service you use.</h3><h4>7.1.1 Suppliers and subcontractors. </h4>Description of the recipient: Suppliers and subcontractors are companies that only have the right to process the personal data they receive from Klarna on behalf of Klarna, i.e. data processors. Examples of such suppliers and subcontractors are software and data storage providers, payment service providers and business consultants, providers of machine learning/artificial intelligence functionality and Klarna Group companies.Purpose and legal basis: Klarna needs access to services and functionality from other companies where it cannot perform them itself. Klarna has a legitimate interest in being able to access these services and functionality (Article 6(1)(f) GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h4>7.1.2 Klarna Group. </h4>Description of the recipient: Companies in the Klarna Group.Purpose and legal basis: This is required for Klarna to be able to provide you with its services and functionalities. Klarna has a legitimate interest in being able to access and provide these services and functionalities (Article 6(1)(f) GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.When you shop in a foreign store (meaning a store located outside of the EU/EEA area) that has an agreement with another company within the Klarna Group, the disclosure of your personal information between Klarna companies is required in order for the two Klarna companies to manage your payment and enable the foreign store to administer your purchase. The legal basis for this processing is the performance of a contract (Article 6 (1) (b) GDPR).The receiving Klarna Group company will handle your personal data in accordance with the privacy notice that applies in your country (see <a href="https://www.klarna.com/international/privacy-policy/" aria-label="list (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">list</a>). You can read more about how Klarna safeguards your personal data when transferred outside of the EU/EEA in Section 8.<h4>7.1.3 A person who holds a power of attorney for your financial affairs. </h4>Description of the recipient: Klarna may share your personal information with a person who has the right to access it under a power of attorney.Purpose and legal basis: This processing is carried out to facilitate your contact with us (through agents), and takes place based on your consent (Article 6(1)(a) GDPR).<h4>7.1.4 Authorities. </h4>Description of the recipient: Klarna may provide necessary information to authorities such as the police, financial authorities, tax authorities or other authorities and courts of law.Purpose and legal basis: Personal data is shared with the authority when we are required by law to do so, or in some cases if you have asked us to do so, or if required to manage tax deductions or counter crime. An example of a legal obligation to provide information is when it is necessary to take measures against money laundering and terrorist financing. Depending on the authority and purpose, the legal bases are the obligation to comply with the law (Article 6(1)(c) GDPR), to fulfil the agreement with you (Article 6(1)(b) GDPR), or Klarna’s legitimate interest in protecting itself from crime (Article 6(1)(f) GDPR).<h4>7.1.5 Divestment of business or assets.</h4>Description of the recipient: In the event that Klarna sells business or assets, Klarna may hand over your personal information to a potential buyer of such business or assets. If Klarna or a significant part of Klarna’s assets is acquired by a third party, personal information about Klarna’s customers may also be shared.Purpose and legal basis: Klarna has a legitimate interest in being able to perform these transactions (Article 6(1)(f) GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h3>7.2 Categories of recipients with whom Klarna shares your personal information when you use Klarna’s payment methods, Klarna at a store, or choose to pay by debit or credit card in Klarna’s check-out at a store.</h3><h4>7.2.1 Stores.</h4>Description of the recipient: By stores we mean the stores you visit or shop at (which may include the store’s group companies if you have been informed thereof by the store).Purpose and legal basis: In order for the store to be able to perform and manage your purchase and your relationship with the store or its group companies, e.g. by confirming your identity, sending goods, handling questions and disputes, in order to prevent fraud and, where appropriate, send relevant marketing. The store’s privacy notice applies to the processing of your personal data that has been shared with the store and that the store processes. Normally, you will find a link to the store’s privacy notice on the store’s website. The legal basis for sharing data with stores is partly the performance of a contract (Article 6(1)(b) GDPR), insofar as the data sharing takes place to perform the contract between you and the store, and partly based on Klarna’s and the store’s legitimate interest (Article 6(1)(f) GDPR) or your consent (Article 6(1)(a) GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h4>7.2.2 Payment service providers, checkout providers, card networks and financial institutions.</h4>Description of the recipient: Payment service providers (including digital wallets), checkout providers, card networks and financial institutions provide services to you, stores and Klarna to implement, facilitate and administer electronic payments through a variety of payment methods, such as credit cards and bank-based payment methods (e.g. direct debit and bank transfer). Purpose and legal basis: Some stores use payment service providers and checkout providers with whom they share your information for managing your payment and purchase. This sharing takes place in accordance with the stores’ or the checkout providers’ own privacy notices. The store may also let Klarna share your information with the payment service provider they use for processing your payment. Some payment service providers also receive your information from Klarna, or collect and use your information independently, in accordance with their own privacy notices or to prevent fraud. This is the case, for example, for digital wallet suppliers. In addition, Klarna may share your information with your card network and with other financial institutions when managing your payment method or conducting transactions with your account to complete the transactions. Sharing with payment service providers, checkout providers, card networks and financial institutions is performed to enable a payment method or to conduct transactions initiated by you and it is done to fulfil the agreement with you (Article 6(1)(b) GDPR). <h4>7.2.3 Fraud prevention agencies and companies providing identity checks.</h4>Description of the recipient: Your personal data are shared with fraud prevention agencies and companies that provide identity checks.Purpose and legal basis: Klarna shares your information to verify your identity, the accuracy of the data you have provided, and to combat fraudulent and criminal activities. The companies with which we work are listed <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/credit_rating_agencies" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>. Please note that these companies process your data in accordance with their own data privacy notices.Klarna shares your information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) GDPR), as the fraud prevention agencies and the companies providing identity checks have information on fraud activities and identity confirmation which are important for Klarna to use as input to decrease its level of fraudulent transactions. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.<h4>7.2.4 Google.</h4>Description of the recipient: When you use Google Maps at checkout or in the Klarna App (for example, by searching your address in the address bar, viewing “stores near me” or requesting information on nearby deals and offers), your personal information will be shared with Google. Google will process your data in accordance with Google Maps/Google Earths <a href="https://policies.google.com/terms?hl=en" aria-label="terms of service (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">terms of service</a> and <a href="https://policies.google.com/privacy?hl=en" aria-label="privacy policy (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy policy</a>.Purpose and legal basis: Klarna shares this information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) GDPR), as Google Maps makes it possible to find the address functionality at checkout and to show maps and deals relevant to your current location in the Klarna App. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h3>7.3 Categories of recipients with whom Klarna shares your data when you use one of Klarna’s payment methods involving the provision of credit or when you use the Klarna card, pay with Instore, pay with Klarna through digital wallets, or the One-time Card Shopping Service.</h3><h4>7.3.1 Credit information bureaus. </h4>Klarna does not use any credit information bureaus in your market.<h4>7.3.2 Debt collection companies (for debts that are overdue).</h4>Description of the recipient: Klarna may need to share your information when we sell or outsource collection of unpaid overdue debts through a third party, such as a debt collection company.Purpose and legal basis: This data is shared to collect your overdue debts. Debt collection companies process personal data in accordance with their own privacy notices, or only on behalf of Klarna in their capacity as Klarna’s data processors. Debt collection companies may report your unpaid debts to credit information bureaus or authorities, which may affect your creditworthiness and your ability to apply for future credit. This data is shared based on our legitimate interest in collecting and selling debt (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in collecting and selling debts. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h4>7.3.3 VISA and digital wallet suppliers.</h4>Description of the recipient: We share information about you and your purchases when you use the Klarna card with VISA and with members of VISA’s card network. If you add your Klarna card or an Instore card to your digital wallet or choose to pay with Klarna through your digital wallet, we may need to share your information with the supplier of that wallet. In such case, data will be processed in accordance with that supplier’s privacy notice. Purpose and legal basis: The sharing takes place to the extent necessary to carry out card transactions, prevent fraud and follow the rules for VISA’s card network. If you renew your Klarna card or receive a new Klarna card, we will transfer this information to VISA so that VISA can inform third parties with whom you have previously chosen to save your Klarna card information (for example, for recurring transactions). Sharing is performed to fulfil the agreement with you (Article 6(1)(b) GDPR).<h4>7.3.4 Debt acquirers (for open debts).</h4>Description of the recipient: Klarna can transfer your open debt to debt acquirers.Purpose and legal basis: Upon transfer of your debt to an acquirer and continuously until you pay off the debt, Klarna will share your contact and identification information (name, date of birth, social security number, address, and phone number), information about your financial standing (such as residual credit, repayments and any negative payment history in relation to the current debt), as well as information about the goods or services associated with the debt. The buyer will process your personal data in accordance with its own privacy notice, which you will receive information about when the debt is transferred.The sharing of personal data with different acquirersis based on our legitimate interest in selling outstanding debts as part of our business operations (Article 6(1)(f) GDPR). We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your personal data processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h3>7.4 Categories of recipients when using Klarna accounts services (Klarna balance, savings, and payment accounts).</h3><h4>7.4.1 Credit institutions and other financial institutions.</h4>Description of the recipient: We share your information with credit institutions and other financial institutions (such as other banks) when you make transactions or payments to other accounts.Purpose and legal basis: If you have made payments to a Klarna account, Klarna will process the information we receive from the bank you used for the transaction, such as contact and identification data and payment information. If you make transactions or payments to accounts in other banks, Klarna will also pass on some of your contact and identification data as well as payment information to the recipient and also to the recipient’s credit institution or financial institution. Sharing is performed to fulfil the agreement with you (Article 6(1)(b) GDPR).<h3>7.5 Categories of recipients with whom Klarna shares your personal information when you use Klarna’s Shopping Service.</h3>You may find the terms for the Klarna Shopping Service <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/user" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>.<h4>7.5.1 Affiliate Networks.</h4>Description of the recipient: When you choose to click on a sponsored link in the Klarna mobile application or on our website that links to a store, product or service, you will be redirected to another company’s website through a third party, known as an affiliate network. <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/affiliate_networks" aria-label="Here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">Here </a>you can learn which affiliate networks Klarna cooperates with (presented in the left column). The affiliate networks will process your device information in accordance with their own privacy notices (you will find these privacy notices in the right column in the same <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/affiliate_networks" aria-label="link (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">link </a>as referenced above). The store you visit through a sponsored link determines which affiliate network processes your information. Usually a store only cooperates with one affiliate network. You can get more information about which network by contacting us (or the store). Purpose and legal basis: The affiliate network may place tracking technology on your device that contains information about you clicking on that link in the Klarna mobile application, and which is then used to document your visit to the store to calculate a potential commission due to Klarna.This processing is based on a balancing of interests (Article 6(1)(f) GDPR). When balancing interests, Klarna has determined that we have a legitimate interest in supplying you with sponsored links in order to market shops in the Klarna mobile application and on our website. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose.You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.In addition, we need to share information with our affiliate networks to determine your eligibility for cashback under the Klarna Cashback programme. This includes confirming that you have met the specified criteria established in our cashback offers. The data shared also serves to determine the cashback amount potentially due to you. The processing for our cashback service is based on the performance of a contract (Article 6(1)(b) GDPR).<h4>7.5.2 Google.</h4><h5>7.5.2.1 reCAPTCHA</h5>Description of the recipient: When you use the Klarna mobile application (also through our web portal), Google will collect your device information through Google’s reCAPTCHA service which is implemented there (in some cases together with additional information that you choose to enter into the reCAPTCHA service), and Klarna will share the phone number used for verification.Purpose and legal basis: Klarna processes this information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) GDPR), since the reCAPTCHA service prevents misuse of our services (for example by preventing bots from trying to log in, or SMS toll fraud). Google will process this information in accordance with <a href="https://policies.google.com/privacy" aria-label="its (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">its </a><a href="https://policies.google.com/terms?hl=en" aria-label="terms of service (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">terms of service</a> and <a href="https://policies.google.com/privacy?hl=en" aria-label="privacy policy (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy policy</a>. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose.You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights.<h5>7.5.2.2 Google Maps</h5>Description of the recipient: In order to show where your parcel will be delivered on an integrated map in the Klarna mobile application, we share the relevant delivery address with Google. Google will process your data in accordance with Google Maps’/Google Earth’s <a href="https://policies.google.com/terms?hl=en" aria-label="terms of service (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">terms of service</a> and <a href="https://policies.google.com/privacy?hl=en" aria-label="privacy policy (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy policy</a>. Purpose and legal basis: Klarna shares this information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) GDPR). By using Google Maps we are able to show you the delivery address on an integrated map in the Klarna mobile application. We ensure that this processing is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You have the right to object to this processing, for reasons connected to the circumstances in your particular case. See <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_gb/privacy#Section%202" aria-label="section 2 (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">section 2</a> for more information about your rights and how to use them.<h4>7.5.3 Partners within the framework of the Financial Insights service and the offer and benefit program.</h4>Description of the recipient: Partners within the framework of the Financial Insights service and the offer and benefit program.Purpose and legal basis: If you choose to take advantage of Klarna’s offers and benefits within the framework of the Financial Insights service or the offer and benefits program, Klarna will share the personal information required for you to take advantage of the offer with our business partners (which includes the fact that you are a Klarna customer). Each offer specifies the data that will be shared. Data is shared to perform the agreement between yourself and Klarna (Article 6(1)(b) GDPR).<h4>7.5.4 Logistics and transport companies.</h4>Description of the recipient: Logistics and transport companies.Purpose and legal basis: Klarna will share your personal data with logistics and transport companies that deliver the goods you order if you have signed up for parcel tracking. Examples of information we share are contact and identification data and tracking numbers.Logistics and transport companies process your data in accordance with their own privacy notices. Sharing is performed to fulfil the agreement between you and Klarna (Article 6(1)(b) GDPR).<h4>7.5.5 Advertising services and digital advertising platforms.</h4>Description of the recipient: Third party advertising services and digital advertising platforms.<a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label=". (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">.</a>Purpose and legal basis: Klarna will share your personal data with third party <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="advertising services (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">advertising services</a> in order to show you more relevant Klarna advertising on non-Klarna sites outside of the Klarna App and third party <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="digital advertising platforms (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">digital advertising platforms</a> to show you non-Klarna advertising in the Klarna App and marketing channels. This is  based on your interaction with Klarna’s products and services and your Klarna profile. Klarna will also share this data to measure the performance of the advertising. Some third party advertising services and digital advertising platforms will use your data for their own purposes and in accordance with their own privacy policies, available <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/en/advertising-services" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>, where you can also see which third parties we use. You can also get more information about this sharing or how to exercise your rights in regards to these companies by contacting us.This processing is based on your consent (under Article 6(1)(a) GDPR). You can revoke your consent at any time in the Tracking Technology settings in the Klarna App. You can also object to this processing - to the same effect as revoking your consent. See section 2 for more information about your rights.This processing may constitute profiling which aims to customise the marketing based on what we think you may be interested in. You can read more about profiling in section 6.<h4>7.5.6 SIWK third-party apps and services</h4>Description of the recipient: When you sign in with Klarna (through “SIWK”) at a third-party app store or service, Klarna will share your personal data with the third-party app or service.Purpose and legal basis: Done to fulfil the agreement with you (Article 6(1)(b) GDPR).<h4>7.5.7 Fraud prevention agencies and companies providing identity checks.</h4>Description of the recipient: Your personal data are shared with fraud prevention agencies and companies that provide identity checks. Purpose and legal basis: Klarna shares your information to verify your identity, the accuracy of the data you have provided, and to combat fraudulent and criminal activities. The companies with which we work are listed <a href="https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_ie/credit_rating_agencies" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>. Please note that these companies process your data in accordance with their own data privacy notices.Klarna shares your information based on Klarna’s legitimate interest in conducting its business (Article 6(1)(f) GDPR), as the fraud prevention agencies and the companies providing identity checks have information on fraud activities and identity confirmation which are important for Klarna to use as input to decrease its level of fraudulent transactions. We ensure that the processing this entails is necessary to pursue that interest, and that our interest outweighs your right not to have your information processed for this purpose. You are entitled to object to this processing, for reasons connected to the circumstances in your particular case. See section 2 for more information about your rights. You can also contact the entities listed in the link above, to exercise the same rights as stated in section 2 also against those entities.<h3>7.6 Categories of recipients with which Klarna shares your personal information if you contact our customer service through social media.</h3><h4>7.6.1 Social media.</h4>Description of the recipient: Social media companies such as Facebook, Instagram or Twitter.Purpose and legal basis: If you contact us via social media such as Facebook, Instagram or Twitter, your personal data will also be collected and processed by these companies, in accordance with their privacy notices. Sharing is performed to fulfil the agreement with you (Article 6(1)(b) GDPR).</section><section><h2 id="8"><a href="#8" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>8. When can we transfer your personal data outside of the EU/EEA, and how do we protect it then?</h2>We always strive to process your personal data within the EU/EEA area. But in certain situations, such as when we share your information within the Klarna Group or with a supplier, subcontractor or store which operates outside the EU/EEA, your personal data may be transferred outside the EU/EEA. Klarna always ensures that the same high level of protection applies to your personal data according to the GDPR, even when the data is transferred outside of the EU/EEA. Your rights in respect to your personal data (described in detail in section 2), are not affected when data is transferred outside of the EU/EEA. More information about the recipients Klarna shares your data with you can find in section 7.When you shop with a store placed in a country outside of the EU/EEA area, our sharing of your personal data with that store means that your personal data will be transferred to this country outside of the EU/EEA area.Certain suppliers of Klarna use Binding Corporate Rules (“BCR”) when they transfer personal data outside of the EU/EEA area within their own company group. Such BCR have been approved by an EU data protection authority and ensures that the same high level of protection applies to your personal data when it is transferred.If you want more information about our safety measures you can always contact us. You can find our contact information in section 12. You find more information about which countries are deemed to have an “adequate level of protection” on the <a href="https://ec.europa.eu/info/law/law-topic/data-protection/international-dimension-data-protection_en" aria-label="European Commission’s website (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">European Commission’s website</a>. You can read more about the European Commission’s standard clauses <a href="https://ec.europa.eu/info/law/law-topic/data-protection/international-dimension-data-protection/standard-contractual-clauses-scc_en" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>, and about binding corporate rules (“BCR”) <a href="https://commission.europa.eu/law/law-topic/data-protection/international-dimension-data-protection/binding-corporate-rules-bcr_en" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a>.Safety measures which Klarna uses when transferring personal data outside of the EU/EEACountries outside of the EU/EEA may have laws that allow public authorities to request access to personal data stored in the country for the purpose of combating crime or safeguarding national security. Regardless of whether we or any of our providers process your personal data, we will ensure that a high level of protection is guaranteed when transferring that data and that appropriate protection measures have been taken, in accordance with applicable data protection requirements (such as the GDPR). Such appropriate safeguards include, but are not limited to, ensuring:<ul><li>if the European Commission has decided that the country outside of the EU/EEA to which your personal data are transferred has an adequate level of protection, which corresponds to the level of protection afforded by the GDPR. This means for example that the personal data is still protected from unauthorized disclosure, and that you may still exercise your rights in regards to your personal data, or <li>the European Commission’s standard clauses have been entered into between Klarna and the recipient of the personal data outside the EU/EEA. This means that the recipient guarantees that the level of protection for your personal data afforded by the GDPR still applies, and that your rights are still protected. In these cases, we also assess whether there are laws in the recipient country that affect the protection of your personal data. Where necessary, we take technical and organizational measures so that your data remain protected during the transfer to the relevant country outside the EU/EEA.<li>that the transfer is covered by the EU-US Data Privacy Framework. This is an opt-in certification scheme for US companies, administered by the US Department of Commerce. This Privacy Framework includes a set of enforceable principles and requirements that must be certified to by the US company, ensuring that your data is still being sufficiently protected.</ul>Despite the above, if the store where you choose to shop is located in a country outside the EU/EEA, our data sharing with that store (and with the Klarna entity that store has contracted with) means that your personal data will be transferred to and processed in this country outside the EU/EEA. Click <a href="https://www.klarna.com/international/privacy-policy/" aria-label="here (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">here</a> to access the privacy notices for other Klarna entities in the Klarna Group. Otherwise it would not be possible to administer your purchase. Klarna primarily relies on the European Commission’s standard clauses to ensure the protection of your personal data for such data transfers, but as set out above, countries where the foreign store is located may have laws preventing the efficient protection by the standard clauses. Even if this is the case, your personal data will still be transferred to the foreign store (or the foreign store’s local Klarna entity), as long as the data transfer is necessary to administer your specific purchase.</section><section><h2 id="9"><a href="#9" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>9. How long we store your personal data</h2>How long Klarna stores your personal data depends on the purposes for which Klarna uses the personal data:<ul><li>Personal data used for the contractual relationship between you and Klarna is generally stored for the duration of the contractual relationship and thereafter for a maximum of 10 years based on statutes of limitations.<li>Personal data that Klarna is under a legal obligation to retain, for example under anti-money laundering laws or bookkeeping laws, is generally retained for 5 and 7 years respectively.<li>We process the recordings of telephone conversations for a time period of 90 days for quality assurance purposes. We will also retain recordings of inbound and outbound calls for up to three years, as well as Klarna employees’ notations from these calls for up to six years, in order to document what has been discussed and decided on the call.<li>Personal data which is not used for the purposes of your contractual relationship with Klarna or where Klarna does not have a legal obligation to retain the data is only retained as long as necessary to fulfill the respective purpose for our data processing (usually 3 months). More information can be found in the table in section 4.</ul>In some limited cases, the personal data may need to be stored for a longer period because of capital adequacy laws which Klarna has to comply with.The legal obligations referred to above means that Klarna can not delete your personal data, even if you request us to delete it, as described in section 2. If we don’t have a legal obligation to retain the personal data, we instead have to make an assessment if we may require the personal data in order to protect Klarna from legal claims.Please note that just because we have a legal obligation to store your personal data, this does not mean that we are also permitted to use this data for any other purpose. Klarna will make an assessment for each specific purpose of how long we may use your personal data. You can read more about this in section 4. </section><section><h2 id="10"><a href="#10" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>10. How we use cookies and other types of tracking technology</h2>To provide a tailored and smoooth experience, Klarna uses cookies and similar tracking technologies in our multiple interfaces, such as our website, the Klarna mobile application and at the checkout of a store that uses Klarna. You can find information about the tracking technology that Klarna uses, and information about how you accept or decline the tracking technology, in each interface.</section><section><h2 id="11"><a href="#11" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>11. Updates to this privacy notice</h2>We are constantly working to improve our services so that you have a smoooth user experience. This may involve modifications of existing and future services. If that improvement requires a notice or consent in accordance with applicable law, you will be notified or given the opportunity to give your consent. It is also important that you read this privacy notice every time you use any of our services, as the processing of your personal data may differ from your previous use of the service in question.</section><section><h2 id="12"><a href="#12" class="terms__anchor" aria-hidden="true" tabindex="-1"><svg aria-hidden="true" focusable="false" height="24" width="24" viewBox="0 0 20 20"><g transform="translate(0, 0) scale(1)"><path d="M12.102678,8.0492991 C12.147678,8.1132991 12.191678,8.1802991 12.231678,8.2462991 C12.953678,9.4322991 12.866678,10.9682991 12.016678,12.0682991 L12.016678,12.0682991 L10.055678,14.6782991 C9.38467803,15.5442991 8.38067803,15.9972991 7.36867803,15.9972991 C6.64667803,15.9972991 5.92167803,15.7672991 5.30867803,15.2932991 C3.83567803,14.1532991 3.56467803,12.0282991 4.70467803,10.5542991 L4.70467803,10.5542991 L5.24567803,9.8352991 L6.84467803,11.0362991 L6.29467803,11.7672991 C5.82167803,12.3792991 5.93167803,13.2462991 6.53267803,13.7112991 C7.13367803,14.1782991 7.99967803,14.0662991 8.46567803,13.4652991 L8.46567803,13.4652991 L10.425678,10.8552991 C10.781678,10.3952991 10.816678,9.7682991 10.521678,9.2832991 L10.521678,9.2832991 Z M9.94321211,5.3181991 C11.0922121,3.8341991 13.2182121,3.5641991 14.6902121,4.7031991 C16.1632121,5.8431991 16.4342121,7.9691991 15.2942121,9.4421991 L15.2942121,9.4421991 L14.7532121,10.1611991 L13.1542121,8.9601991 L13.7042121,8.2291991 C14.1772121,7.6171991 14.0672121,6.7501991 13.4662121,6.2851991 C12.8662121,5.8181991 11.9992121,5.9311991 11.5332121,6.5311991 L11.5332121,6.5311991 L9.57321211,9.1411991 C9.21721211,9.6011991 9.18221211,10.2281991 9.47721211,10.7131991 L9.47721211,10.7131991 L7.89621211,11.9471991 C7.85121211,11.8831991 7.80721211,11.8161991 7.76721211,11.7501991 C7.04521211,10.5641991 7.13221211,9.0281991 7.98221211,7.9291991 L7.98221211,7.9291991 Z" style="transition:fill .2s ease 0s" fill-rule="evenodd"></path></g></svg></a>12. Klarna contact information</h2>Klarna Bank AB (publ) is registered with the Swedish Companies Registration Office with company number 556737-0431 and its registered office is located at Sveavägen 46, 111 34 Stockholm.Klarna has a data protection officer and a team of data protection specialists. We also have a number of customer service teams that handle data protection issues. You can reach all of these individuals at <a href="mailto:privacy@klarna.ie" aria-label="privacy@klarna.ie (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">privacy@klarna.ie</a>. If you specifically wish to contact Klarna’s data protection officer, enter this on the subject line.Klarna Bank AB (publ) complies with Swedish data protection laws. Please visit <a href="https://www.klarna.com/ie/" aria-label="www.klarna.com/ie/ (opens in a new tab)" rel="noopener noreferrer nofollow" target="_blank">www.klarna.com/ie/</a> for more information about Klarna.</section></article></main></div>