No changes were detected in Klarna's Privacy Notice, maintaining existing data collection, security practices, and user rights for financial services.
AI Analysis
No changes were detected in Klarna's Privacy Notice, maintaining existing data collection, security practices, and user rights for financial services.
Extensive data collection for credit checks, fraud prevention, and personalized services.
Strong commitment to data security with encryption, limited access, and external audits.
Users can access and request deletion of data, with legal retention exceptions for financial data.
AI assistant used for customer support, but data usage for AI training is not specified.
Why this score
Extensive data collection for financial services increases inherent risk.
AI assistant use mentioned without clear details on data training or opt-out.
User rights for data access and deletion are clearly outlined, though with legal limits.
What changed
# Secure and private. By design.
We understand the importance of keeping your personal and financial information secure and private. From making sure you get what you pay for, to fraud monitoring and data encryption, we’re here to make sure you can always shop and pay with peace of mind.
## Shop and pay with peace of mind
We understand the importance of keeping your personal and financial information secure and private. From making sure you get what you pay for to fraud monitoring and data encryption, shop and pay with peace of mind.
## Your data, your call
We are private by design. You own and control the data that you share with us and security is built directly into our products. We are fully committed to protecting and handling your data in a transparent and secure way.
#### Built-in privacy
#### Always in control
#### Open and transparent
#### Enhanced data protection
## How we use your data
We value and respect your data, and always seek to improve your everyday interactions with us. Here are key ways your personal data, once shared with us, serves to benefit you:
- Paying with Klarna
- The Klarna app
- Customer support
- Safe shopping
- Communication and offers
We perform internal and third-party credit checks, gather contact and ID information, and analyze interactions with Klarna to understand your eligibility for our products and services.
We collect data on app interactions, past purchases, linked bank transactions, and preferred items to enhance the app experience and provide personalized offerings like tracking deliveries, price drop notifications, and financial overview.
We gather contact and ID details and document past conversations to ensure efficient, personalized support and faster response times.
We record contact and ID information, financial details, device data, and interaction information to protect against fraud and money laundering.
We keep records of prior purchases, interactions, and device details to send updates, offers, and product recommendations.
## Our privacy terms
#### How we process and safeguard your data
#### How we provide the best shopping experience
#### How we use tracking technologies
## Security comes as standard
Klarna provides built-in security for your money and data—with advanced fraud prevention and 24/7 support.
## Frequently asked questions
- Find your answers below. For any further help or trouble-shooting, please contact customer service.
+ Find your answers below. For any further help or troubleshooting, please contact customer service.
Regional impact
EUMedium
Users retain GDPR rights (access, deletion), but legal obligations for financial data retention may limit full deletion. The use of AI assistants without clear data training policies could raise concerns under future AI
USMedium
Users have rights similar to CCPA/CPRA for data access and deletion, but financial data is often subject to other laws like GLBA. Transparency around AI data usage is less regulated than in the EU.
GlobalMedium
General principles of data security and user control are applied, but specific rights vary by local jurisdiction. Users should review local laws for full understanding of their data rights.
### How does Klarna collect my data?
When you use Klarna, there are two ways we can receive your personal data:
- 1.Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.
Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.
- 2.Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service.
Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service.
### Which purposes does Klarna use my data for?
As we continuously work to elevate your shopping experience, we may use your data for a variety of reasons, for example:
- Verify your identity when you use our services or contact us
- Engage with you as a customer
- Provide you with the services you requested
- Give you an overview on your financial situation
- Understand your eligibility for Klarna products and services
- Communicate information on the products we offer
- Conduct customer satisfaction survey
- Carry out credit and fraud assessments
- Perform debt collection service
- Prevent IT attack
- Meet regulatory and legal requirements
For more detailed information about the different reasons for collecting and using each type of your data, see our Privacy Notice.
### How is the security of my information ensured?
Your information security and privacy is the most important to us at Klarna. These are some of the measures we take in our approach to protect your data:
- Investment in State-of-the-art Systems: Our advanced security infrastructure vigilantly monitors our ecosystem, identifying any suspicious activity.
- Proactive Risk Management: Before developing our products, we conduct rigorous risk assessments and implement preventive measures to maintain robust security.
- Data Encryption: We utilise appropriate encryption techniques to protect your data from unauthorised access.
- Limited Access within the organisation: We ensure that only authorised individuals have access to your data.
- Compliance with Regulations: As a finance institution, we are subject to regular external audits which scrutinise our security protocols to maintain the highest standards.
### How can I review and access my data?
You can review and access a copy of all personal data that we store about you at any time. To access your data, log into your Klarna account, go to "Security and privacy," and then select "Privacy rights" to initiate the request.
The information you receive may include details related to your previous purchases with Klarna and the products and services you have used.
### How can I delete my data?
You have the right to request the deletion of your personal data. When you exercise your right to be forgotten, your data will be deleted, and all agreements you have with us will be terminated. As a bank, we are required by law to retain certain personal data even after your deletion request. We may also retain certain information based on legitimate interest to protect you and us, such as for fraud prevention purposes.
Once you have exercised your right to be forgotten, you'll no longer be able to access previous orders or your account. You can place new orders again after we have successfully deleted your data.
To request data deletion, log into your Klarna account, navigate to "Security and privacy," and then select "Privacy rights" to initiate the process.
### How can I exercise my privacy rights?
You're in control. Here is how you can exercise different privacy rights at Klarna:Delete your personal data You can easily request data deletion, by logging in to your Klarna account; navigate to "Security and privacy," and then select "Privacy rights" to initiate the process.Access your personal data To access your data, log in to your Klarna account, go to "Security and privacy," and then select "Privacy rights" to initiate the request.
Correct your personal data If you want to correct your personal data, use the form below.
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