Klarna Privacy Policy

1. What type of information does Klarna collect?

We collect two basic types of information from you in conjunction with your use of the Klarna Services collectively, your “personal information”: personally identifiable information; and non-personally identifiable information.

Personally Identifiable Information is any information that can identify you.

• Examples include your name, e-mail address, telephone number, postal address, device identifiers, IP addresses, geolocation information, and financial account information that you provide, such as credit or debit card numbers.

• We may also collect personally identifiable information about you from third parties such as data vendors.

• Aggregate and/or de-identified information is not considered personally identifiable information.

  Non-personally identifiable information is information that does not identify you directly, but may be linkable to you.

• Examples include demographic information and general location information.

If 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.

2. How does Klarna Collect Information?

We collect information about you through:

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

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

• Third parties, such as data vendors, consumer reporting agencies, your bank, payment service providers you use, affiliates you interact with, or merchants you perform a transaction with;

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

  Cookies 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.

  You can learn more about ad-serving companies and the options available to limit their collection and use of your information by visiting the websites for the Network Advertising Initiative and the Digital Advertising Alliance. Similarly, you can learn about your options to opt out of mobile app tracking by certain advertising networks through your device settings and by resetting the advertiser ID on your Apple or Android device.

Clear GIFs 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, also known as 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 usage of Klarna Services.

Third Party Analytics We may use automated devices and applications provided by third parties to evaluate usage of the Klarna Services. We use these tools to help us improve the Klarna Services, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services.

Sometimes when you communicate with us, or utilize our services we use third party service providers. In some cases these service providers may monitor and record mouse movements, swiping, scrolling, clicks, and keystrokes so that we can better understand how our products are utilized, and in some cases they may provide interfaces that allow you to communicate with us, for example through a chat window. In these cases, we maintain contracts with these third parties and they are required to keep your information confidential. By utilizing the Klarna Services you consent to our use of service providers for these purposes.

3. How do we use the personal information we collect?

We may use your personal information to:

• Provide the Klarna Services and customer support.

• Process transactions and send notices about your transactions.

• Resolve disputes and collect payments and/or fees.

• Verify the accuracy of and authenticate your information.

• Detect, investigate and prevent potentially prohibited or illegal activities, such as fraud.

• Communicate about accounts or transactions and send information about features and enhancements.

• Contact you, for example by phone, text SMS or email.

• Communicate changes to our policies.

• Personalize content and experiences, including providing recommendations based on your preferences and queries.

• Publish product and merchant reviews that you submit.

• Send offers or promotions for the Klarna Services.

• Provide advertising, including advertising based on your use of the Klarna Services or third-party websites.

• Provide membership benefits.

• Improve and develop Klarna Services and new products and services.

• Perform statistical, demographic and marketing analyses of users of the Klarna Services and their purchasing patterns.

• Conduct any other legitimate business activities not otherwise prohibited by law.

3.1 Use of Transactional Data for Model Training Purposes

We use advanced technology, including machine learning ML and artificial intelligence AI, to provide and improve our services. Specifically, we use your transactional data, account history, and interaction data collectively, "Activity Data", in either raw or anonymized/aggregated form, for the following purposes:

• Probability of Default PD Modeling: We process your Activity Data through automated models to assign a probability of default to specific transactions or credit applications. This helps us determine your eligibility for products and set appropriate credit limits.

• Model Training and Refinement: We use anonymized and aggregated Activity Data to train, test, and improve our proprietary algorithms. This ensures our risk assessments remain accurate and reflective of current economic conditions.

• Fraud Prevention: Our AI systems monitor your transactions in real-time to identify patterns that suggest unauthorized or fraudulent activity.

Conversation content via the use of Klarna’s AI assistant is processed by Klarna's and third party-parties’ systems who act as service providers to Klarna as defined under CCPA, and other relevant state privacy laws under contracts that restrict their use of your data to providing the AI assistant service.

Consistent with applicable state privacy laws, including California’s CCPA/CPRA regulations on Automated Decision-Making Technology ADMT, you may have the right to opt out of, or appeal decisions made by, automated systems that produce legal or similarly significant effects concerning you. Please see Section 14 US Regional Privacy Rights Notice for information on how to exercise these rights.

4. How do we share personal information?

We will only share your personal information with third parties as described in this Privacy Policy. When we share your personal information we include reasonable contractual, legal, technical and organizational measures to ensure that your information is processed with an adequate level of protection and in accordance with applicable law.

We may share your personal information with:

• Service providers, affiliates and commercial partners who help with our business operations including but not limited to, fraud prevention, account maintenance, customer service, marketing and technology services.

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

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

• Marketing or advertising partners who assist us in serving advertising. These partners may use tracking technologies to collect or receive information through the Klarna Services and elsewhere on the internet and use that information to provide measurement services and targeted ads.

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

• Analytics companies.

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

• Third parties, including governmental authorities and law enforcement, to protect or defend the legal rights, interests or property of Klarna and any related entity of Klarna; protect the safety and security of our customers or members of the public; protect against fraud; or comply with applicable law, or with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons.

• Other third parties with your consent or at your direction to do so.

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

  We will only share your Personal Information with third parties as described in this Privacy Policy, as otherwise notified to you at the time of collection or with your consent.

  Text messaging originator opt-in data and consent will not be shared with any of the third parties listed in this section except as stated below for the purpose of providing the Klarna Marketing Text Message Program to consumers.

5. Product Specific Information

The following information relates to specific products offered by Klarna.

5.1 Auto-Track available in the Klarna App

The Auto-Track feature previously Magic Import is described in these terms and conditions. If you connect to the Auto-Track feature, we will process order information such as delivery tracking identifiers, supplier information, product information, and payment information related to purchases you have made, and email information, in order to provide you with delivery information and an overview of your purchases in the Klarna App and to improve our services.

Data obtained through the service is shared with our service provider in order to provide the service to you. Neither Klarna nor our service provider will share data obtained through Auto-Track with any third parties, unless necessary to provide or improve the service to you. We will not transfer data to third parties for serving ads.

5.2 Klarna Desktop Extension

Klarna Desktop Extension is a browser extension of the Klarna Services available for select web browsers. By downloading and using the Klarna Desktop Extension you can request and use One-time Cards directly in your browser on websites where this service is enabled in accordance with our internal policies. When you browse the internet with the Klarna Desktop Extension enabled, we will receive the domain of the websites that you visit.

5.3 Sponsored Links

If you click on a link that is sponsored which promotes a store, product or service you will be redirected to the store’s website through a third party, a so-called “affiliate network.” The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in the Klarna App, which then may be used to track your visit to a store in order to calculate a potential commission to us.

5.4 Google

5.4.1 reCAPTCHA

When you use the Klarna mobile application, Google will collect your device information through Google’s reCAPTCHA service which is implemented there, and Klarna will share the phone number used for verification. Google will process this information in accordance with its terms of service and privacy policy.

5.4.2 Google Maps

When you use Google Maps in the checkout or the Klarna App, Google will process your information subject to Google Maps’/Google Earth's Terms of Service and Privacy Policy.

5.5 Rakuten

We partner with Rakuten Advertising, who may collect personal information when you interact with the Klarna Services. The collection and use of this information is subject to Rakuten’s privacy policy.

5.6 Identification and Verification Process

In this section we explain how we collect, use and disclose your biometric data for identification and verification purposes in line with U.S. state biometric privacy laws such as the Illinois Biometric Information Privacy Act, the Texas Act on Capture or Use of Biometric Identifier, or the Washington Biometric Privacy Law.

In order to verify that you are the person depicted in your government-issued identification document, Klarna uses third-party technologies from identification and verification vendors to collect personal information from or about you, including biometric information and biometric identifiers such as your faceprint, a selfie, and government-issued identification.

The ID&V Vendors are not allowed to use your ID&V Personal Information for their own purposes.

5.7 Klarna Mobile

The Klarna Mobile service is provided by Klarna Technologies, Inc. We collect and process your personal information, such as name, date of birth, email address, phone number, and billing address.

• Klarna Mobile - Local plan data: Information related to your Klarna Mobile local plan subscription, including your plan selection, data consumption, payment history, current mobile provider details where applicable.

• Travel eSIM Data: Information related to your Klarna Travel eSIM, including your plan selection, data consumption and payment history.

6. How do we protect personal information?

We use 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. Please be aware that despite our efforts, no data security measures can guarantee 100% security.

7. How can you restrict us from sharing your personal information?

Personally Identifiable Information: You may choose not to provide your personally identifiable information to us; however, you will not be able to use the Klarna Services.

You can also limit our use and sharing of your personal information in other ways, such as:

• You may unsubscribe from marketing emails by clicking the “Unsubscribe” link in the email footer or by contacting Klarna Customer Service.

• You 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 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 through your device settings.

• We use the information provided by Google Analytics to improve the Klarna Services.

• Your browser or device may include “Do Not Track” functionality.

8. Third-Party Links

The Klarna Services may contain links to third-party websites, including social media sites and merchant 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 Privacy Policy, but instead is governed by the privacy policies of those third-party websites.

9. Children Under 13

Our 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.

10. Governing Law and Notice to Non-US Users

The 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 us. 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.

11. Accessing, Correcting or Deleting Your Information

You may request to know, access, correct, or delete 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.

To submit a request, email privacy@klarna.com, call +1 888 518-2771, or make a request through our Privacy page.

12. Changes to this Policy

This Privacy Policy is current as of the “Published On” date set forth above. We may change this Privacy Policy from time to time, so please be sure to check back periodically. We will post any changes to this Privacy Policy on the Klarna Services.

13. How can you contact Klarna?

If you have questions about the privacy aspects of the Klarna Services or would like to make a complaint, please contact Klarna customer service.

14. US Regional Privacy Rights Notice / Notice at Collection

This Notice applies to residents of certain U.S. States whose information is processed pursuant to applicable U.S. State privacy law requirements, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act collectively, “CCPA” and other applicable U.S. state consumer privacy laws.

14.1 Your Rights as a US Resident

If you reside in the US, you may have the following rights regarding your personal information:

• Right to opt-out of the sale and sharing of your Personal Information

• Request to Know – You have the right to know what personal information we have collected about you.

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

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

• Use of an Authorized Agent – You may exercise your rights through an authorized agent.

• Right to not receive discriminatory treatment - If you choose to exercise any of your rights under state privacy laws, you have the right to not receive discriminatory treatment by us.

• Right to Appeal – If we decline to act on your privacy rights request, you may appeal our decision.

• Right to Opt Out of Profiling and Automated Decision-Making – You may have the right to opt out of the processing of your personal information for profiling.

14.2 Exercising Your California Privacy Rights

To protect our customers’ personal information, we are required to verify your identity before we can take action on your requests.

To submit a request, email privacy@klarna.com or call +1 888 518-2771.

14.3 Personal Information We Collect, and How it is Used

You have a right to receive notice of how we have handled personal information collected since January 1, 2022. Specifically: the categories of personal information we collected, the business or commercial purposes for which the personal information is collected, the sources of the personal information, the categories of personal information that we have disclosed to third parties, and the categories of the third parties that we have disclosed personal information and the purposes for those disclosures.

14.3.1 Categories of Personal Information We Collect

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

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

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

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

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

• Internet or other electronic network activity information - For example, browser or device information, interactions with websites and advertisements, cookies, web beacons, pixel tags, and traffic data.

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

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

• Inferences drawn to create a profile about a consumer - For example, profiles reflecting your preferences, interests, behaviors, attitudes or aptitudes.

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

14.3.2 Categories of Sources of Personal Information

• Your interactions with, or use of the Klarna Services.

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

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

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

14.3.3 Purposes for Collection and Disclosure of Personal Information

• Online Auditing: Auditing related to an interaction with a consumer and a concurrent transaction.

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

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

• Providing the Klarna Services: Issuing and servicing of Klarna products and services.

• Analytic Activities: Analysis to improve Klarna marketing, advertising, websites, mobile app, products, and services.

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

• Marketing and Advertising: Advertising and marketing Klarna products and services.

• Legal/Compliance/Regulatory purposes: Satisfying internal and regulatory compliance requirements, audits, subpoenas, record keeping, and enforcing or defending our rights and property.

14.3.4 Categories of Personal Information that have Sold or Shared

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

• Internet or other electronic network activity information - Specifically information about your use of the Klarna Services.

14.3.5 Categories of Personal Information Disclosed

In the preceding 12 months, we have disclosed personal information for a business or commercial purpose, as permitted or required by law or as otherwise set forth in this Policy.

14.3.6 Retaining Your Personal Information

We have policies and practices requiring the secure deletion of personal information when there is no applicable regulatory retention requirement and we no longer have a business need to use the information for a purpose that is compatible with our disclosed purposes of collection.

14.4 Opt Out Signals and Global Privacy Control GPC

Our websites and applications recognize and honor the Global Privacy Control GPC browser signal as a legally valid opt-out of the sale and sharing of your personal information for cross-context behavioral advertising and targeted advertising.

14.5 Notice of Financial Incentive

We may offer customers the opportunity to participate in various incentive, referral, loyalty, or other promotional programs related to the collection, retention, sharing or sale of your personal information.

14.6 Additional Questions?

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

15. US Consumer Privacy Notice

All non-public personal information that we collect except through a Klarna account with WebBank is subject to the following Consumer Privacy Notice:

Rev. June 2026