{"page":{"id":70703415451,"body_html":"\u003ch1\u003e\u003cstrong\u003eKlarna Privacy Policy\u003c\/strong\u003e\u003c\/h1\u003e\n\u003cp style=\"font-weight: 400;\"\u003eLast updated: March 13, 2020\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eKlarna is committed to letting you know how we will collect, use, store, share and protect your personal information when you transact with us. You accept this privacy policy (the “Privacy Policy”) whenever you access or use Klarna products, services, features, and technologies including the Klarna mobile app and\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.klarna.com\/us\" style=\"font-weight: 500;\"\u003ewww.klarna.com\/us\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003e(the “Klarna Services”). Please read this Privacy Policy carefully. If you are a resident of California, you may have additional rights, described in our \u003cstrong\u003eAdditional Information for California Residents Section\u003c\/strong\u003e.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThis Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eAdditionally, if you use Klarna Credit, your non-public personal information will be subject to\u003c\/strong\u003e \u003cstrong\u003e\u003ca href=\"https:\/\/cdn.klarna.com\/1.0\/shared\/content\/legal\/en_us\/glba_notice.pdf\" style=\"font-weight: 500;\"\u003eWebBank’s privacy notice\u003c\/a\u003e\u003c\/strong\u003e \u003cstrong\u003eand Klarna’s use of such information will be consistent with that privacy notice.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWhat type of information does Klarna collect?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eKlarna collects two basic types of information from you in conjunction with your use of the Klarna Services (collectively, your “personal information”): (1) personally identifiable information; and (2) non-personally identifiable information.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003ePersonally Identifiable Information\u003c\/em\u003e is any information that can identify you. \u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eExamples include your name, e-mail address, telephone number, postal address, device identifiers, IP addresses, and financial account information that you provide, such as credit or debit card numbers. \u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eWe may also collect personally identifiable information about you from third parties such as data vendors.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eAggregate and\/or de-identified information is not considered personally identifiable information.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003eNon-personally identifiable information\u003c\/em\u003e is information that does not identify you directly, but may be linkable to you.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eExamples include demographic information and general location information.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eIf non-personally identifiable information is directly linked to personally identifiable information, it will be considered personally identifiable information while it is linked. For example, if your payment history and transaction history are linked to your name, then that information will be considered personally identifiable information and subject to heightened privacy and security restrictions, as reflected in this Privacy Policy.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow does Klarna Collect Information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe collect information about you through:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eYour interactions with or use of the Klarna Services;\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eYour contact with our customer support team; \u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThird parties, such as data vendors;\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThrough our websites, using cookies, Clear GIFs, web beacons, mobile application plug-ins and similar technologies. \u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003eCookies\u003c\/em\u003e are small files that are stored on your computer or device when you use the Klarna Services. Cookies record your preferences and the actions you take on your computer or device. We may also use web beacons and mobile application plug-ins, such as software development kits, application programming interfaces and similar technologies. We use these and other similar technologies for security, to monitor traffic, improve the Klarna Services, and make the Klarna Services easier to use and more relevant to you. We may also use these technologies to personalize your experience, deliver advertisements, and for research and marketing. \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003eClear GIFs\u003c\/em\u003e are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with the Klarna Services to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003eThird Party Analytics\u003c\/em\u003e We may use automated devices and applications to evaluate usage of our Site. We use these tools to help us improve our Site, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services. \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow do we use the personal information we collect?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe may use your personal information to:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eProvide the Klarna Services and customer support\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eProcess transactions and send notices about your transactions\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eResolve disputes and collect payments and\/or fees\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eVerify the accuracy of and authenticate your information\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eDetect, investigate and prevent potentially prohibited or illegal activities, such as fraud\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eCommunicate about accounts or transactions and send information about features and enhancements \u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eContact you by phone, text (SMS) or email\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eCommunicate changes to our policies\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003ePersonalize content and experiences, including providing recommendations based on your preferences\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eSend offers or promotions for the Klarna Services\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eProvide advertising, including advertising based on your use of the Klarna Services or third-party websites \u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003ePerform statistical, demographic and marketing analyses of users of the Klarna Services and their purchasing patterns\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eConduct any other legitimate business activities not otherwise prohibited by law\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow do we share personal information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe will only share your personal information with third parties as described in this Privacy Policy.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe may share your personally identifiable information with:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eService providers and affiliates who help with our business operations, including but not limited to, fraud prevention, account maintenance, customer service, marketing and technology services\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eCredit bureaus and collection agencies, as permitted by law\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eMerchants you order your goods or services from using the Klarna Services\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eCompanies that we plan to merge with or be acquired by\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThird parties, including governmental authorities and law enforcement, to (i) protect or defend the legal rights, interests or property of Klarna and any related entity of Klarna; (ii) protect the safety and security of our customers or members of the public; (iii) protect against fraud; or (iv) comply with applicable law, subpoena or legal process.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eOther third parties with your consent or at your direction to do so.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThird parties for any legitimate business purpose not otherwise prohibited by law\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe will not share or sell any personally identifiable information about you to our affiliates or non-affiliated third parties for their marketing purposes unless you have provided consent, except as set forth in the Klarna Terms of Service.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eEmail Connect service (available in the Klarna App)\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eIf you connect to the Email Connect service, we will process order information (such as delivery tracking identifiers, supplier information and product information) related to purchases you have made, in order to provide you with delivery information and an overview of your purchases in the Klarna App.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe will not share data obtained through Email Connect with third parties, unless necessary to provide or improve the service to you. In particular, we will not transfer data to third parties for serving ads.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow do we protect personal information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eKlarna uses reasonable security measures to protect your personal information from unauthorized access and use in compliance with applicable law. These measures include computer safeguards and encrypted, secured files and buildings. We also maintain other physical, technical, administrative, and procedural safeguards to protect personal information, and access to personal information is limited to the employees who require it for their job functions. Please be aware that despite our efforts, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow can you restrict us from sharing your personal information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cem\u003ePersonally Identifiable Information\u003c\/em\u003e: You may choose not to provide your personally identifiable information to us; however, you will not be able to use the Klarna Services.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYou can also limit our use and sharing of your personal information in other ways, such as:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eYou may unsubscribe from marketing emails, but we will still be permitted to contact you for servicing and account-related purposes by clicking the “Unsubscribe” link in the email footer or by contacting Klarna Customer Service.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eYou can modify browser settings to decline cookies, but certain features of Klarna Services may not function properly or may be unavailable if you do. For more information on cookies and how to disable them, you can consult the information provided by the Interactive Advertising Bureau at\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.allaboutcookies.org\/\" style=\"font-weight: 500;\"\u003ewww.allaboutcookies.org\u003c\/a\u003e.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eFor your mobile device, you can understand which third parties have currently enabled cookies on your mobile device and how to opt-out of some of those cookies by accessing the Network Advertising Initiative's website at\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.networkadvertising.org\/mobile-choices\" style=\"font-weight: 500;\"\u003ehttp:\/\/www.networkadvertising.org\/mobile-choices\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003efrom your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android). Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed and that you may still receive advertising from third parties, although such advertising may not be based on your interests and preferences.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eWe use the information provided by Google Analytics to improve our Services. For more information regarding how Google collects, uses, and shares your information and how to opt out of certain uses please visit\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.google.com\/policies\/privacy\/partners\/\" style=\"font-weight: 500;\"\u003ehttp:\/\/www.google.com\/policies\/privacy\/partners\/\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003eand \u003ca href=\"https:\/\/tools.google.com\/dlpage\/gaoptout\" style=\"font-weight: 500;\"\u003ehttps:\/\/tools.google.com\/dlpage\/gaoptout\u003c\/a\u003e.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eYour browser or device may include “Do Not Track” functionality. Note that Klarna’s information collection and disclosure practices, and the choices that we provide to customers, will continue to operate as described in this Privacy Policy whether or not a Do Not Track signal is received.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eThird-Party Links\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThe Klarna Services may contain links to third-party websites, including social media sites. By including a link to a third-party website, we do not endorse or recommend any products or services offered or information contained at the third-party website. Any access to and use of such linked websites is not governed by this policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. If you decide to visit a third-party website via a link contained in or by the Klarna Services, you do so at your risk.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eChildren Under 13\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eOur products and services are not designed for children under 13. If we discover that a child under 13 has provided us with personal information, we will delete such information from our systems.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eIf you are a resident of California, under 18 and a registered user of the Services, you may ask us to remove content or information that you have posted through the Services by contacting\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.klarna.com\/us\/customer-service\/\" style=\"font-weight: 500;\"\u003eKlarna customer service\u003c\/a\u003e. Please note that your request does not ensure complete or comprehensive removal of the content or information, as, for example, some of your content may have been reposted by another user.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eGoverning Law and Notice to Non-US Users\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThe Klarna Services are directed to individuals located in the United States, and our policies are directed at compliance with those laws. If you are located outside the United States, you should NOT submit personal information to Klarna.  If you voluntarily submit personal information to us, you thereby consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to, and\/or storage of that information in, the United States.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eAccessing, Correcting or Deleting Your Information   \u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYou may request to access, correct, or delete any personal information that you have provided to us. You will not be permitted to examine the personal information of any other person or entity and may be required to provide us with personal information to verify your identity prior to accessing any records containing information about you. We may not accommodate a request to change or delete personal information if we believe doing so would violate any law or legal requirement or cause the information to be incorrect. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our \u003ca href=\"https:\/\/www.klarna.com\/us\/customer-service\/\" style=\"font-weight: 500;\"\u003eCustomer Service Web Portal\u003c\/a\u003e.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eChanges to this Policy\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThis policy is current as of the Last Updated date set forth above. We may change this policy from time to time, so please be sure to check back periodically. We will post any changes to this policy on the Klarna Services. If we make any changes to this policy that materially affect our practices with regard to the personal information we have previously collected from you, we will aim to provide you with notice in advance of such change by highlighting the change on our web site.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow can you contact Klarna?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eIf you have questions about the privacy aspects of our services or would like to make a complaint, please contact\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"https:\/\/www.klarna.com\/us\/customer-service\/\" style=\"font-weight: 500;\"\u003eKlarna customer service\u003c\/a\u003e.\u003c\/p\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eAdditional Options and Rights – California Residents Only\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCalifornia provides consumers with additional rights as related to their personal information.  Klarna will not discriminate against you because you exercise any of the rights as described in this section. These rights do not apply, however, to any non-public personal information that Klarna collects or discloses in providing a financial product or service.    \u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCategories of Data Collected, Sold, and Disclosed\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003ePlease see our Notice of California Consumer Data Collection and Sharing Practices.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eSale of Personal Information to Third Parties\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYou have the right to opt-out of the sale of some types of personal information. At present, Klarna does not sell personal information to third parties. Please note that your right to opt-out does not apply to our sharing of data with service providers, who are parties who are engaged to perform a function on our behalf and are contractually obligated to use the data only for that function. If our practices change in the future, we will provide you with the opportunity to opt-out before any such sale.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAccess to Personal Information\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYou have the right to request from us access to personal information collected about you and information regarding the source of the data, the purposes for which we collected it, and the third parties and service providers with whom we shared it. To protect our customers’ personal information, we are required to verify your identify before we can take action on your request.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our \u003ca href=\"https:\/\/www.klarna.com\/us\/customer-service\/\" style=\"font-weight: 500;\"\u003eCustomer Service Web Portal\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eErasure of Personal Information\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYou have the right to request in certain circumstances that we delete any personal information that we have collected directly from you. To protect our customers’ personal information, we are required to verify your identify before we can take action on your request. We may have a reason under the law why we do not have to respond to your request, or respond to it in a more limited way than you anticipated. If we do, we will explain that to you in our response.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our \u003ca href=\"https:\/\/www.klarna.com\/us\/customer-service\/\" style=\"font-weight: 500;\"\u003eCustomer Service Web Portal\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eParticipation in Data Sharing for Financial Incentive\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAt this time, we do not offer consumers any financial incentives to share data with us. If that changes, we will seek your consent prior to sharing data.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eNotice of California Consumer Data Collection and Sharing Practices\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThe California Consumer Privacy Act (“CCPA”) requires us to disclose certain information about our data collection and sharing practices to California residents, and to align this information to certain categories of personal information as enumerated in the law:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThe specific pieces of personal information and the categories of personal information we have collected about consumers in the past 12 months.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eThe business or commercial purpose for collecting that personal information.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eWhether we “sell” that category of information to third parties. An external party may be considered a third party in the below chart either because the purpose of sharing is not an enumerated business purpose under California law, or because our contract does not restrict them from using personal information for other purposes. To “sell” data means to sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, a consumer’s personal information by the business to another business or a third party for monetary or other valuable consideration.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eWhether we disclose that category of information to “service providers,” which are external parties that we engage for business purposes and is restricted from using personal information for any purpose that is not related to our engagement. \u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003eKlarna does not engage in the practice of providing data to third parties in return for a financial benefit to us. \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAs a California resident, you may be entitled to additional rights regarding the collection and sharing of your data described in this Policy.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThe following table summarizes the personal information we collect or create and how we share with external parties. This table describes our practices generally; not all individual pieces of your personal information may be shared.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cbr\u003e\u003cstrong\u003eKlarna does not sell personal information and will not sell personal information, except as described in this Privacy Policy. If we ever decide to sell personal information, we will provide you with notice and a right to opt-out of such sale.\u003c\/strong\u003e\u003c\/p\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e \u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eData Fields\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eMethod of Collection\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003ePurpose of Collection (in addition to the purposes listed below)\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eShared with Service Providers\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(A) Personal Identifiers\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eName\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides when creating account or completing transaction\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003ePhone Number\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides when creating account or completing transaction\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eEmail Address\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides when creating account or completing transaction\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eContact Address\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides when creating account or completing transaction\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAccount Number\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe generate and assign to consumer account\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e \u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eOnline Handle, user name or identifiers\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer creates when creating account\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eIP Address\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAutomatically when consumer visits website\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(B) Additional Personal Identifiers\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCredit\/Debit card Number\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides when creating account\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAge\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eConsumer provides date of birth when creating account\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(D) Commercial Information\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e   \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eActual and considered transactions are stored in consumer profile\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(F) Internet or other electronic network activity information\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e   \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAutomatically when consumer visits website or uses the Services\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(H) Audio, electronic, visual, thermal, olfactory, or similar information\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e Voice recordings\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTelephone interactions with customer service may be recorded\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e \u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eEmail and chat communications\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eEmails sent by consumer to any Klarna email address; chat communications with Klarna Customer Service; Emails accessed while enrolled in the Email Connect Service\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003eYes\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003e(K) Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e   \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eInferences may be generated through a series of computer processes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo provide advertisements and discounts for third party goods and services.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAll listed categories of personal information are collected for the following business purposes (in addition to purposes included in the table above):\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eTo enable or effect, directly or indirectly, a commercial transaction involving the Klarna Services.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003ePerforming services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eAuditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eUndertaking internal research for technological development and demonstration.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eUndertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eDetecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eDebugging to identify and repair errors that impair existing intended functionality.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003ch2\u003e\u003cstrong\u003eAll non-public personal information that we collect (except through a Klarna Credit account with WebBank) is subject to the following Consumer Privacy Notice:\u003c\/strong\u003e\u003c\/h2\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e                                                                                                    Rev. Jan 2020                                                                                                    \u003c\/p\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFACTS \u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWHAT DOES KLARNA DO WITH YOUR PERSONAL INFORMATION?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWhy?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eFinancial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWhat?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eThe types of personal information we collect and share depend on the product or service you have with us.  This information can include:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eSocial Security number and payment history\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eTransaction history and credit history\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eCredit scores and account balances\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eAll financial companies need to share customer’s personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Klarna chooses to share; and whether you can limit this sharing.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eReasons we can share your personal information\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eDoes Klarna share?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eCan you limit this sharing?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor our everyday business purposes—\u003c\/strong\u003e\u003cbr\u003esuch as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor our marketing purposes—\u003c\/strong\u003e\u003cbr\u003eto offer our products and services to you\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor joint marketing with other financial companies\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe don’t share\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor our affiliates’ everyday business purposes—\u003c\/strong\u003e\u003cbr\u003einformation about your transactions and experiences\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eYes\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor our affiliates’ everyday business purposes—\u003c\/strong\u003e\u003cbr\u003einformation about your creditworthiness\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe don’t share\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor our affiliates to market to you\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe don’t share\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eFor nonaffiliates to market to you\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eNo\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe don’t share\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eQuestions:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCall 1-844-552-7621 or go to\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.klarna.com\/\" style=\"font-weight: 500;\"\u003ewww.klarna.com\u003c\/a\u003e\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWho is providing this notice?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eKlarna, Inc.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow does Klarna\u003cbr\u003eprotect my personal information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eTo protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eHow does Klarna\u003cbr\u003ecollect my personal information?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe collect your personal information, for example, when you\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eOpen an account or use your credit or debit card\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003ePay your bills or apply for a loan\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eGive us your contact information\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003eWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eWhy can’t I limit all sharing?\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eFederal law gives you the right to limit only\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003esharing for affiliates’ everyday business purposes—information about your creditworthiness\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003eaffiliates from using your information to market to you\u003c\/li\u003e\n\u003cli style=\"font-weight: 400;\"\u003esharing for nonaffiliates to market to you\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"font-weight: 400;\"\u003eState laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.\u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eAffiliates\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCompanies related by common ownership or control.  They can be financial and nonfinancial companies.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eOur affiliates include companies with a Klarna name, and financial companies such as Klarna Bank, AB, Sofort GmbH, BillPay GmbH\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eNonaffiliates\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCompanies not related by common ownership or control. They can be financial and nonfinancial companies.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eKlarna does not share with non-affiliates so they can market to you\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cstrong\u003eJoint marketing\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/td\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eA formal agreement between nonaffiliated financial companies that together market financial products or services to you.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\"\u003eKlarna doesn’t jointly market\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003ctable\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd style=\"font-weight: 400;\"\u003e\n\u003cp style=\"font-weight: 400;\"\u003eCalifornia Residents: We will not share personal information that we collect about you with nonaffiliated third parties without your authorization except as permitted by law.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003eVermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at\u003cspan\u003e \u003c\/span\u003e\u003ca href=\"http:\/\/www.klarna.com\/us\/legal\" style=\"font-weight: 500;\"\u003ewww.klarna.com\/us\/legal\u003c\/a\u003e\u003cspan\u003e \u003c\/span\u003eor call 1-844-552-7621.\u003c\/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e \u003c\/p\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e","created_at":"2020-11-19T02:47:46-08:00","published_at":"2020-11-19T02:47:46-08:00","updated_at":"2020-11-19T02:47:46-08:00","handle":"klarna-privacy-policy","title":"Klarna Privacy Policy"}}