Needs verification2026-07-19
Klarna - Terms of Service
EU · 2026-07-19 · V2terms
What actually changed
Needs verificationText differences are confirmed, but the available evidence does not establish their substantive effect. This can include extraction or presentation differences.
Change impact: not assessed. The risk score describes the assessed policy and does not measure the effect of this revision.
Before / after comparison (4/4)
Exact snapshot excerpts. Highlights show edited text; surrounding context can be unchanged. The full diff follows in the analysis.
Before · V1
…rotection policyComplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusKlarna…
After · V2
…rotection policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevel…
Before · V1
…omplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusKlarnaAb…
After · V2
…tion policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusKlarnaA…
Before · V1
…rotection policyComplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusMarket…
After · V2
…rotection policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevel…
Before · V1
…omplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusMarketIr…
After · V2
…tion policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusMarketI…
Method and snapshot references
Automatic classification v1.0. Excerpts are partial; history and original AI assessments are preserved.
SHA-256 V1: f948572b1ab96b7a7d51f1a16a245e223c951e3e7b20d96bb3585b9f4a987a6f
SHA-256 V2: 6b0d2099165847b49640a6f29bd6626a55a7b16eaaed7fa0fd4754083b60a3cf
5/10
Policy risk (AI): Medium
Summary
Text differences are confirmed, but the available evidence does not establish their substantive effect. This can include extraction or presentation differences.
Original AI screening
Automated analysis retained with the record; it may not accurately describe this revision. Use the change verification and version comparison to determine what changed.
Klarna's updated terms now explicitly include "Your right of withdrawal," improving consumer clarity on cancellation rights without other major policy changes.
- New section clarifies "Your right of withdrawal" for users, enhancing consumer protection and transparency.
- No changes were made to data collection, sharing, or retention policies in this update.
- The cookie policy and consent mechanisms remain unchanged from the previous version.
Why this score
Explicit mention of "Right of withdrawal" enhances consumer rights clarity.-1
No new data collection or sharing clauses were introduced in this update.
Cookie consent and tracking practices are unchanged from the prior policy.
What changed
- For shoppersFor businessDiscover KlarnaShopAppHelpShow moreSign inYour hottest membership dealGet 30% off Klarna Premium or Max for 3 months. Sign up now Terms and ConditionsFor all usersKlarna Shopping ServiceKlarna’s Privacy NoticeExtend your due date for a feePay with KlarnaPay in 3One-time Card Shopping ServiceTerms of BusinessTerms of BusinessKlarna balance & Klarna CardTerms and Conditions - Klarna balance and Klarna CardAuto TrackTerms and conditions for Auto-TrackMembershipsTerms and conditions for Klarna membershipsMembership rewards summaryYour hottest membership dealGet 30% off Klarna Premium or Max for 3 months. Sign up now KlarnaAbout usCareersLegalPressPrivacySecuritySustainabilityAccessibilityAuto-TrackContactContact for authoritiesCorporate governanceInvestor relationsCustomerHelpLog inShopping appStore DirectoryBuyer protection policyComplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusKlarnaAbout usCareersLegalPressPrivacySecuritySustainabilityAccessibilityAuto-TrackContactContact for authoritiesCorporate governanceInvestor relationsCustomerHelpLog inShopping appStore DirectoryBuyer protection policyComplaintsFraud protection promisePrivacy settingsMoney worries BusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusMarketIrelandChoose your regionKlarna offers flexible payments globally.IrelandEnglishAustraliaEnglishÖsterreichDeutschBelgiëNederlandsBelgiqueFrançaisCanadaEnglishCanadaFrançais中国中文(简体Česká republikaČeštinaDanmarkDanskSuomiSuomiFranceFrançaisDeutschlandDeutschΕλλάδαΕλληνικάMagyarországMagyarItaliaItaliano日本日本語MéxicoEspañolNederlandNederlandsNew ZealandEnglishNorgeNorskPolskaPolskiPortugalPortuguêsEspañaEspañolSlovenskoSlovenčinSverigeSvenskaSchweizDeutschSwitzerlandEnglishSuisseFrançaisSvizzeraItalianoUnited KingdomEnglishUnited StatesEnglishRomâniaRomână한국국문FollowCopyright © 2005-2026 Klarna Bank AB (publ). Klarna Bank AB (publ), trading as Klarna, is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for consumer protection rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.CookiesKlarna.com Cookies & privacyWe use cookies to make the website work, to personalise and analyse your browsing. We also share data with our advertising partners. Reject All Accept All CookiesChange settingsYour PrivacyWhen you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. More InformationAllow All Manage Consent PreferencesStrictly Necessary CookiesAlways ActiveThese cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.Performance Cookies Performance Cookies These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.Targeting Cookies Targeting Cookies These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.Functional Cookies Functional Cookies These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.Back ButtonCookie List Search IconFilter IconClear checkbox label labelApply CancelConsent Leg.Interest checkbox label label checkbox label label checkbox label label Confirm My Choices+ For shoppersFor businessDiscover KlarnaShopAppHelpShow moreSign inYour hottest membership dealGet 30% off Klarna Premium or Max for 3 months. Sign up now Terms and ConditionsFor all usersKlarna Shopping ServiceKlarna’s Privacy NoticeExtend your due date for a feePay with KlarnaPay in 3One-time Card Shopping ServiceTerms of BusinessTerms of BusinessKlarna balance & Klarna CardTerms and Conditions - Klarna balance and Klarna CardAuto TrackTerms and conditions for Auto-TrackMembershipsTerms and conditions for Klarna membershipsMembership rewards summaryYour hottest membership dealGet 30% off Klarna Premium or Max for 3 months. Sign up now KlarnaAbout usCareersLegalPressPrivacySecuritySustainabilityAccessibilityAuto-TrackContactContact for authoritiesCorporate governanceInvestor relationsCustomerHelpLog inShopping appStore DirectoryBuyer protection policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusKlarnaAbout usCareersLegalPressPrivacySecuritySustainabilityAccessibilityAuto-TrackContactContact for authoritiesCorporate governanceInvestor relationsCustomerHelpLog inShopping appStore DirectoryBuyer protection policyComplaintsFraud protection promisePrivacy settingsMoney worries Your right of withdrawalBusinessMerchant supportBusiness log inSell with KlarnaDevelopers portalOperational statusMarketIrelandChoose your regionKlarna offers flexible payments globally.IrelandEnglishAustraliaEnglishÖsterreichDeutschBelgiëNederlandsBelgiqueFrançaisCanadaEnglishCanadaFrançais中国中文(简体Česká republikaČeštinaDanmarkDanskSuomiSuomiFranceFrançaisDeutschlandDeutschΕλλάδαΕλληνικάMagyarországMagyarItaliaItaliano日本日本語MéxicoEspañolNederlandNederlandsNew ZealandEnglishNorgeNorskPolskaPolskiPortugalPortuguêsEspañaEspañolSlovenskoSlovenčinSverigeSvenskaSchweizDeutschSwitzerlandEnglishSuisseFrançaisSvizzeraItalianoUnited KingdomEnglishUnited StatesEnglishRomâniaRomână한국국문FollowCopyright © 2005-2026 Klarna Bank AB (publ). Klarna Bank AB (publ), trading as Klarna, is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for consumer protection rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.CookiesKlarna.com Cookies & privacyWe use cookies to make the website work, to personalise and analyse your browsing. We also share data with our advertising partners. Reject All Accept All CookiesChange settingsYour PrivacyWhen you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. More InformationAllow All Manage Consent PreferencesStrictly Necessary CookiesAlways ActiveThese cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.Performance Cookies Performance Cookies These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.Targeting Cookies Targeting Cookies These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.Functional Cookies Functional Cookies These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.Back ButtonCookie List Search IconFilter IconClear checkbox label labelApply CancelConsent Leg.Interest checkbox label label checkbox label label checkbox label label Confirm My Choices
Regional impact
EULow
The explicit mention of "right of withdrawal" aligns with EU consumer protection laws, like the Consumer Rights Directive. This enhances transparency for individuals regarding their ability to cancel contracts.
USLow
While the US has varying state-level consumer protection laws, explicitly stating a right of withdrawal generally benefits users. It provides clearer expectations for cancellations.
GlobalLow
Globally, providing a clear right of withdrawal is a positive step for consumer trust and transparency. It empowers individuals with more control over their transactions.