Klarna Terms of Service (EU) · 2026-09-23 · V4

Cosa cambia davvero

Da verificare

Le differenze testuali sono confermate, ma le evidenze disponibili non ne dimostrano l’effetto sostanziale. Possono includere differenze di estrazione o presentazione.

Impatto della modifica: da valutare. Il punteggio di rischio descrive la policy analizzata e non misura l’effetto di questa revisione.

Confronto prima / dopo (2/2)

Estratti esatti degli snapshot. Evidenziazioni = testo modificato; il contesto non evidenziato può essere invariato. Il diff completo segue nell’analisi.

Prima · V3

… options, such as debit, credit, or prepaid cards, as well as payment from your bank account. We will keep your payment information if you choose to pay with us,…

Dopo · V4

… options, such as debit, credit, or prepaid cards, as well as payment from your external bank account. We will keep your payment information if you choose to pay with us…

Prima · V3

… which are outlined within the Cashback Deal in the Klarna App.An active Klarna balance account is necessary to receive your earned cashback. For more information abo…

Dopo · V4

… which are outlined within the Cashback Deal in the Klarna App.An active Klarna bank account is necessary to receive your earned cashback. For more information abo…

Metodo e riferimenti degli snapshot

Classificazione automatica v1.0. Gli estratti sono parziali; lo storico e le valutazioni AI originali sono conservati.

SHA-256 V3: 1e277de0e157880e6d13433b99333f934123289d84ce44646b4a40ae2963ffcf
SHA-256 V4: 6aeed3d9f3d0278053b94f5616d6ae809e05d9925f46a94a81456d36d2c54854

6/10

Rischio della policy (AI): Medio

Sintesi

Le differenze testuali sono confermate, ma le evidenze disponibili non ne dimostrano l’effetto sostanziale. Possono includere differenze di estrazione o presentazione.

Screening AI originale

Analisi automatica conservata con il record: può non descrivere correttamente questa revisione. Per stabilire cosa cambia, consulta la verifica e il confronto delle versioni.

I Termini di Servizio aggiornati di Klarna contengono una piccola modifica sul cashback, ma le pratiche di raccolta dati e personalizzazione AI rimangono invariate.

L'assistente AI di Klarna personalizza i contenuti e conserva le inferenze utente per tutta la durata del servizio.
Le ampie funzionalità di autocompilazione utilizzano informazioni personali e di pagamento memorizzate per semplificare lo shopping.
Gli utenti possono gestire la memoria dell'assistente AI, disabilitare l'autocompilazione ed eliminare i dettagli di pagamento salvati.
L'idoneità al cashback richiede ora esplicitamente un conto bancario Klarna attivo, una piccola precisazione.

Piccola precisazione sul tipo di conto per il cashback, nessun impatto significativo sulla privacy.

L'assistente AI conserva le inferenze utente a tempo indeterminato per la personalizzazione, sollevando preoccupazioni sulla conservazione dei dati.-2

L'ampia condivisione dei dati per l'autocompilazione e piattaforme terze è abilitata dall'accordo dell'utente.-2

Cosa è cambiato

When you use Klarna’s Shopping Service, these terms (“Terms”, or “Agreement”) apply and constitute a legally binding agreement/contract between Klarna Bank AB (publ) (“Klarna”, “we”, “us” and “our”) and you as a user of our Klarna Shopping Service (“you”) regarding the service described below (the “Service”). Please read these Terms carefully before using the Service and print a copy for your records and future reference. Do not use the Service if you do not want to be bound by these Terms. These Terms do not apply to Klarna's payment options. If you choose to pay with one of Klarna's payment options, there are additional Terms that apply specifically to the payment. All terms can be found at https://www.klarna.com/international/terms-and-conditions/. By contacting our customer service you can request older versions of the terms. ## 1. Description of the Service We have created the Service to give you the best possible shopping experience, regardless if you shop online or in-store. The Service enables an efficient and inspiring shopping experience by offering a range of great benefits. Your shopping experience should have you in focus. That’s why we thought of you when we created the Service and all its benefits. It will simplify purchases, simplify managing purchase disputes or complaints about goods, give inspiration and personalized offers, enable control and provide an overview of your shopping. Product links and links to stores within the Services may be sponsored or affiliated, meaning that Klarna might earn a commission when you shop through those links. When you interact with Klarna's AI assistant, you interact with an automated software system - not a human. If you want to be connected to a human, you can request this in the interface. The Service includes the following benefits: 1.1 Creation of a Klarna User Account 1.2 Autofill/auto-login during checkout at a store or checkout provider 1.3 Payment methods displayed according to your preferences and eligibility 1.4 Offers and benefits you actually like 1.5 Remember your selected card and bank details 1.6 The Klarna App 1.7 The Klarna AI assistant 1.8 The Klarna Extension-specific Terms and Conditions 1.9 Sign In With Klarna (“SIWK”) 1.10 Klarna Deals When you sign up to the Service we will create a user account for you, to give you the full potential of all the functions in the Service (“Klarna User Account”). Remember to always keep your contact information on your Klarna User Account up-to-date and add all your relevant delivery addresses. You can choose to have your Klarna User Account remembered on a specific device, such as your mobile phone or your tablet (the “Remember me” function). You can do this on one or several of your devices. You should not use this function on shared or public devices. By using this function you will not have to login and authenticate your Klarna User Account each time you use Klarna. This will provide you with a smooth and friction free shopping experience. The Remember me function places a device identifier, i.e. a “cookie”, on your device. You can delete all cookies on your device, which deletes our cookies as well. For more information, please see our Tracking Technology Notice. In order for you to have a smoooth and friction free shopping experience we will remember some information about you and use that information to autofill different forms with your information during your shopping. This will enable you to save time and focus on more important stuff than filling out the same information over and over again. By accepting these Terms you agree that Klarna can divulge the fact that you are a customer of Klarna to stores and checkout solutions you shop with. Let us explain in more detail how this works: Autofill while shopping with Klarna When using Klarna the first time you will be asked to create a Klarna User Account to make your future interaction with Klarna smoother. We will keep this information in our systems so that when you return to us or use our Service, you only need to provide some information to us. We will handle all personal information we collect in creating your Klarna User Account in accordance with our Privacy Notice. When we are able to identify you, we may autofill some information about you in the purchase flow, such as name, address, telephone number, email, date of birth and card details. The autofill is based on the information stored on your Klarna User Account. An example of when autofill is used is when you shop directly from the Klarna App, or in a store’s checkout when logged in with Klarna. Autofill through input of limited information While interacting with Klarna we may ask for information about you, such as name, address, telephone number, email, date of birth, or personal identification number. We will keep this information in our systems so that when you return to us or use our Service, you will only need to provide some of this information such as email and zip-code, or personal identification number (dependent on the country) in order for us to autofill the remaining fields with your other information. Autofill through a Klarna cookie An additional method we can use to autofill your information is by placing a Klarna-cookie on your device (computer, tablet, mobile phone, etc.). You may choose to store your information such as name, address, telephone number, email, date of birth, or personal identification number, and card details with Klarna. If you do so, we use the cookie to fetch that information from Klarna’s storage, and the cookie will help us to autofill them when you shop with Klarna. For more information on our use of cookies see our Tracking Technology Notice. Disable autofill If you don’t want to use the Autofill functionalities you can contact us and we will disable them. You can also disable them from the Klarna App or by adjusting your autofill settings during the purchase process. You can at any given time delete all cookies on your device, which deletes our cookie as well. Auto-login Klarna enables you to be logged into your Klarna User Account automatically, if you are already logged into certain stores or checkout solutions in a sufficiently secure manner. This means that you can then use Klarna’s payment methods without the need for a manual login through an authentication method separate from that of the store or checkout solution. ### 1.3 Payment methods displayed according to your preferences We will arrange the order of your payment methods based on whether you have chosen a payment method as your preference, previously used a specific payment method or if we are required by law to show payment methods in a certain order. However, in order to provide a smoooth and friction free shopping experience we will also check your eligibility for each of our available payment methods before presenting them to you, in order to clearly show which ones you can use for a specific purchase. Sometimes different payment methods might be unavailable due to the purchase amount being too low, or the store not enabling it at all, or not enabling it for a particular type of goods. Klarna may present offers and benefits such as discounts, special events, priority access to products, sales promotions, store offers, samples and gifts. The offers and benefits given to you are based on, among other things, the number of purchases, the amount you have spent and/or your usage of Klarna’s services or features. In some cases of such offers and benefits, specific terms and conditions may apply. These will be provided to you in conjunction with the offer or benefit. - When you make a purchase with Klarna, you can use several different payment options, such as debit, credit, or prepaid cards, as well as payment from your bank account. We will keep your payment information if you choose to pay with us, until you either choose to delete the information or until you close your Klarna User Account. By saving your payment information with Klarna, you agree to Klarna charging the saved card or bank account for later purchases with Klarna. You will not be charged until you make a purchase, or initiate a subscription. If the card or bank account you have chosen by default cannot be charged for a purchase, including instalment plans or subscriptions, you agree that Klarna will try to charge one of the other cards or bank accounts you have registered in your Klarna User Account. + When you make a purchase with Klarna, you can use several different payment options, such as debit, credit, or prepaid cards, as well as payment from your external bank account. We will keep your payment information if you choose to pay with us, until you either choose to delete the information or until you close your Klarna User Account. By saving your payment information with Klarna, you agree to Klarna charging the saved card or bank account for later purchases with Klarna. You will not be charged until you make a purchase, or initiate a subscription. If the card or bank account you have chosen by default cannot be charged for a purchase, including instalment plans or subscriptions, you agree that Klarna will try to charge one of the other cards or bank accounts you have registered in your Klarna User Account. The Klarna App is an application accessible via your mobile devices or the web login page in your browser and is your shopping assistant.By using the Klarna App you can pay for your purchases, compare products, track your packages, get an overview of your purchases, get shopping tips and many more things. Which services are ultimately made available to you might vary depending on your market. Some of these features are activated by downloading the Klarna App or logging in at the web login page, while others can be activated by you after login. Klarna wants to provide you with the best shopping experience and offer you the ability to search for a wide range of stores in the Klarna App. We may not have a commercial relationship with all stores shown or searchable in the Klarna App. In these cases, Klarna acts like a web browser or search engine, thereby just redirecting you to the store’s website in the integrated web browser. The exact content of features can differ between markets. To mention a few of the features we are most proud of: - View your Klarna purchases and transactions - Manage your payments - Easy interaction with Klarna - Personalized recommendations, offers and other content based e.g. stores your interact with and products you look at - Quick, automated system to manage purchase disputes or complaints about goodsExample of other features we may offer depending on the market version: Quick, automated system to manage purchase disputes or complaints about goods Example of other features we may offer depending on the market version: - Shopping services like search and compare functions, AI assistant chatbots that you can ask questions about products and that can help you with your shopping, an in-app browser, an overview of stores that we think you will like - Shop using Klarna’s payment methods - even at stores which do not yet use Klarna - Order, delivery, or parcel tracking - Connect your email account to view your orders made at stores or entities unrelated to Klarna - Easy return handling and refunds - Financial Insights, allowing you to import transactions from your external bank accounts. We then use this information to provide an overview of monthly budget, income and spending, visualisation of balances (e.g. the savings or purchases), and other spending insights. We might also use it to present you with relevant offers to optimise your spending - Display and store your transactions, purchases, receipts, images and other shopping related information - Image product search, allowing you to take a photo of a product and then browse similar products - Create and share collections of goods or services of your choice - Share your transactions with other Klarna users - Share your experience and thoughts with others on stores and products you purchased by submitting a review - An assistant that suggests helping you to fill in various information (such as payment method, card details, shipping address) by use of autofill (“Smart Suggestions”). The information that is suggested differs based on what information you have saved with us - both when using the Klarna App (including any payment method in the Klarna App) and also Klarna as a payment method at a merchant (see the Autofill section above for more information). - View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries’ services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna. - Possibility to upload and store your third party memberships or loyalty cards for easy access to them when you shop. You may be able to link your loyalty memberships or loyalty cards to Klarna, and provide us with your location, in order to receive relevant offers and be provided an overview of your loyalty membership information (“Loyalty Cards Feature”). The number of third party memberships or loyalty cards you may be able to link depends on your Klarna membership. The Loyalty Cards Feature does not establish any affiliation between Klarna and the issuers of the loyalty cards. By using the Loyalty Cards Feature, you acknowledge that Klarna assumes no responsibility for the administration or delivery of loyalty cards or related benefits, or any damages, claims or other liabilities arising from or in connection with your use of the loyalty cards. - - Earn cashback on your purchases through the Klarna App, either as a percentage of your total purchase amount or as a fixed sum (with certain exclusions). These "Cashback Deals" are time-limited promotional offers available at select stores. Each Cashback Deal comes with its own set of terms, which are outlined within the Cashback Deal in the Klarna App.An active Klarna balance account is necessary to receive your earned cashback. + - Earn cashback on your purchases through the Klarna App, either as a percentage of your total purchase amount or as a fixed sum (with certain exclusions). These "Cashback Deals" are time-limited promotional offers available at select stores. Each Cashback Deal comes with its own set of terms, which are outlined within the Cashback Deal in the Klarna App.An active Klarna bank account is necessary to receive your earned cashback. For more information about the cashback program or to understand any potential limitations, navigate to your Cashback home within the Klarna App. - Resell products that you bought via Klarna at third-party resell platforms. Klarna reserves the right to, at its sole discretion and at any time, add or remove any of the available resell platforms. If you choose to resell a product, Klarna will redirect you to a reselling platform and prefill your listing by sharing your data with the resell platform. Klarna might limit, in its sole discretion, the use of the resell functionality for certain products. In such a case, the resell functionality will not be available. You acknowledge and agree that your use of the third-party resell platform will be governed by that platform’s terms and conditions. You also acknowledge and agree that Klarna has no responsibility with respect to your use of the resell functionality, including, but not limited to, the accuracy of the product listing, resale of your product, availability of or your use of the third-party resell platform and any damages, claims, or other liability arising from, or related to, your use of the third-party resell platform. We save information about your purchases and transactions (actual or planned) in the Klarna App. As a part of the Service provided under these Terms, Klarna enables you to see information about your purchases and transactions in the Klarna App. If you want to learn more about how Klarna uses this information, and other information we have about you, please see our Privacy Policy. The Klarna App features Promoted Content. Promoted Content is a post purchased by an advertiser that appears in the Klarna App. It may feature text, an image, a video and links to a related website of the advertiser’s choice. Promoted Content can be identified by the term Ad, Promoted or Sponsored that appears either (i) in the middle of the post, under the advertiser’s name or (ii) as a badge in the top right hand corner of the post. The Klarna App is available through third-party distribution platforms (“Application Stores”). You may require prior registration with the relevant Application Store. Klarna has no influence on the collection, processing and use of personal data by the respective Application Store operators. #### 1.7.1 Your everyday companion Klarna’s AI assistant helps you understand your Klarna information, spending habits, and savings potential. The AI assistant also simplifies making your purchases, gives shopping inspiration and personalized content and offers, as well as enables management of your previous purchases in a secure place. The more data you provide and connect to Klarna, the more control and value can be offered in the service - for example by the AI assistant recommending content and offers that may be relevant to you. When you interact with Klarna’s AI assistant, you interact with an automated software system - not a human. If you want to be connected to a human, you can request this in the interface. #### 1.7.2 Tailored to you The AI assistant continuously adapts to your circumstances to offer tailored relevant guidance for managing various aspects of your finances. When information is shared with the assistant, the assistant will retain and use that information to provide personalized outputs. The AI assistant creates and stores inferences about you - including your spending patterns, financial goals, product preferences, and lifestyle characteristics - drawn from your conversations and your connected data. These inferences are retained in your memory profile for as long as you use the Service. You can manage what information the AI assistant remembers about you in the memory tab. Deletion of your memory profile will limit the personalization capabilities of the AI assistant. Do not share information that you don’t want the assistant to use and retain in its memory such as sensitive topics. By using the AI assistant you understand that: - You must not use any information provided by the AI assistant in a manner which could have legal or any material consequences for you or anyone else. Always check and verify information and recommendations received by the AI assistant. - Our AI assistant like all AI systems might provide content that is inaccurate or objectionable due to its training data. Such content does not reflect the views or opinions of Klarna and we encourage users to report any such content to us. You can report this through marking the content as “thumbs down” directly in the AI response. - AI assistant outputs are generated probabilistically and may not reflect real-world facts. Answers given might be incorrect, and prices and discounts presented might be wrong and need to be confirmed at the stores presented. Klarna does not guarantee the accuracy, completeness, quality, safety, legality, or fitness for any particular purpose of the information given or products recommended by the AI assistant, or that any usage is free of error.The AI assistant should especially not be relied on to provide financial, legal, tax, medical, or other professional advice. You are solely responsible for deciding whether to act on any information or recommendation received. By using the AI assistant you acknowledge that you understand the above information. Otherwise you must not use the AI assistant. #### 1.7.3 Specific AI assistant terms of use You must review this section carefully. If you have any questions, our customer service team is available to assist. The information from the AI assistant is for your general information only, and is not investment, financial, tax, or legal advice. You should not rely on the AI assistant for any topic which carries a material impact on you or others, including but not limited to investments or recommendations of any sort. AI-generated recommendations provided through the AI assistant do not constitute automated decisions with legal or similarly significant effects without human involvement in any credit, account, or underwriting determination. The AI assistant is an automated software system that generates responses using patterns learned during training. It works by interpreting input and generating relevant content in response to user queries. ##### Age requirement To be eligible to use the AI assistant you must be at least 18 years old and capable of entering into a legally binding contract. Prohibited useYou may not use the AI assistant - in a way that violates any applicable laws, is harmful to others, or use the service for professional purposes; - to infringe any third party rights (such as intellectual property rights), attempt to copy, distribute, resell, reverse engineer, decompile, alter or modify any part of the service; - to engage in, or spread, hate speech, incitement to violence, self harm, grooming of minors, or any criminal acts, pornographic or sexual content, threats, or harassment or shaming of others; - together with any software, method or device designed to disrupt the service or to bypass any security measures or rate limit implemented by Klarna; - claim that any content from the AI assistant is generated by a human; - for use cases which include legal, medical, or financial or investment advice or decision-making, or for other areas with material impact. You should seek independent professional advice before making any financial decisions. You must not use the AI assistant in activities that involve the disclosure or processing of sensitive information such as personal medical records, or for engaging in political debates or discussions.You may not use the service to submit or attempt to elicit information in a manner designed to circumvent Klarna's content guardrails. Blocking of content, or escalation to human agentThe AI assistant will not answer certain topics, for example relating to illegal or harmful practices. Furthermore, certain topics will lead to an immediate escalation to a human agent, to ensure quick and adequate support. Removal of contentKlarna reserves the right to remove any content uploaded or shared by you if required by law, or if Klarna, in its sole discretion, determines that such content is reasonably offensive to others, unlawful, or violating the rights of others. Content moderation practicesYour interactions with the AI Assistant will be recorded and assessed for quality purposes. At Klarna we have processes in place to monitor, detect, remove or restrict access to content that breach applicable laws, these AI Terms, and/or our user policies.Our detection relies on a combination of automated measures, user complaints and manual review.When we identify content in breach of applicable laws, or these AI terms, we will restrict the sharing of such content, and might permanently delete it. Klarna reserves the right, but does not assume any obligation, to monitor, review, adjust, inactivate or remove content for the reasons mentioned in these Terms. Restriction of your usageYou can stop using the AI assistant at any time. Klarna may restrict or terminate your access to the AI assistant if you breach these Terms, or as needed to comply with applicable laws.Klarna also sets rate limits to the AI assistant and restricts access to certain functionalities due to computing capacity limitations, to limit computing costs, and in line with your paid access level. #### 1.8.1 General Information, Acceptance of these Terms, Eligibility The “Klarna Extension” is a software application made available by Klarna. The terms and conditions (“Extension Terms”) in this Section 1.7 are only applicable to your use of the Klarna Extension (hereinafter “Extension User” or "you"). By installing, activating, enabling, using, or otherwise accessing Klarna Extension, you accept and agree to comply with these Extension Terms. Do not install, activate, enable, or otherwise access the Klarna Extension, if you do not wish to be bound by these Extension Terms. Klarna Extension can be used on Google Chrome and in the future may become available on other supported web browsers as well as your mobile browser. The technical usability of Klarna Extension is subject to the respective usage terms of these browsers and the technical limitations and specifications of any device on which Klarna Extension is to be installed. An Extension User must be at least 18 (eighteen) years old and have a European phone number to use the Klarna Extension, in addition to the eligibility requirements and Extension Terms set forth below. By installing, activating, enabling, using, or otherwise accessing the Klarna Extension, you confirm that you are 18 years old or older and that these Extension Terms will govern your use of the Klarna Extension. Klarna Extension applies assorted discount coupons on the online-store presence of merchants collaborating with and selected by Klarna ("Affiliate Stores"). The Affiliate Stores available through the Klarna Extension are entirely at the discretion of Klarna and may vary from time to time. Any purchases that you make are directly from Affiliate Stores and not from Klarna. The Affiliate Store’s terms and conditions shall apply to purchases made on its site and Klarna shall not have any liability in relation to any products or services that you purchase. We have no control over the content of Affiliate Stores' websites. Klarna may receive fees for referring our Klarna Extension users to Affiliated Stores. Additional functions are usable subject to an additional login into the Klarna Extension, enabling you to expand your purchase experience by, depending on your market and what function is live in that market, e.g. using a tailored card payment solution (also described hereunder). #### 1.8.2 Klarna Extension Functions and Limitations The Klarna Extension offers several functions, some of which are only accessible to an Extension User after first registering for a Klarna User Account. These functions are split into basic functions, each a “Basic Function”, and enhanced functions, each an “Enhanced Function”. Klarna updates the Klarna Extension continuously with new and improved functions and reserves the right to withdraw any of the Basic Functions or Enhanced Functions at any time. Enhanced Functions Prerequisite In order to use the Enhanced Functions, the Extension User must first create a Klarna User Account. To create a Klarna User Account, you are required to provide your contact information, including a valid email address and postal address. Klarna reserves the right to verify your eligibility to create a Klarna User Account. You must ensure that your details in your Klarna User Account are kept up to date. You are responsible for the security of and the activity conducted through your Klarna User Account. Please keep your Klarna User Account details secure. #### 1.8.3 Klarna Extension Basic Functions Examples of other Basic Function(s) that may be available to you depending on your country’s version of the Klarna Extension include the following: - Coupons, if the online store you visit is one of our Affiliate Stores, when you reach the Affiliate Store’s checkout you will be notified in the browser if there are coupons available and offered the opportunity to activate the coupons. If you choose to view the available coupons, the Basic Function will then show you available coupons for the Affiliate Store. All coupons and discounts are provided by the Affiliate Store. Coupon terms are subject to the relevant Affiliate Store’s terms and conditions. Klarna always strives to provide you with accurate coupons. However, we do not warrant or guarantee the availability of coupons or that any of the coupons or discounts are accurate, complete, up to date or error free or that any such coupons or discounts will offer the lowest price for an item. Klarna may earn a commission from your transaction. - Create and share collections of goods or services of your choice (wishlists). - Our price compare tool. The price compare tool searches for better prices on the relevant Amazon website by comparing sellers for you. Please note that Amazon and Klarna are not affiliated. Prices on Amazon may change and the results of our price comparison tool are valid only at the time the comparison is made. Klarna does not become a party to any agreement that you conclude with Amazon and is also not liable for any issues arising from contractual relationships existing between you and third parties. Klarna always strives to provide you with as complete and accurate information as possible. However, we gather information from public-domain sources. Our intention is that all the information in relation to the price compare tool should be accurate and up-to-date. However, we cannot guarantee the reliability or accuracy of the information.1.8.4 Klarna Extension Enhanced Functions Our price compare tool. The price compare tool searches for better prices on the relevant Amazon website by comparing sellers for you. Please note that Amazon and Klarna are not affiliated. Prices on Amazon may change and the results of our price comparison tool are valid only at the time the comparison is made. Klarna does not become a party to any agreement that you conclude with Amazon and is also not liable for any issues arising from contractual relationships existing between you and third parties. Klarna always strives to provide you with as complete and accurate information as possible. However, we gather information from public-domain sources. Our intention is that all the information in relation to the price compare tool should be accurate and up-to-date. However, we cannot guarantee the reliability or accuracy of the information. #### 1.8.4 Klarna Extension Enhanced Functions Example(s) of Enhanced Function(s) that may be available to you depending on your country’s version of the Klarna Extension include the following: One-time Card One Enhanced Function that may be live in your market is the use of the One-time Card Service - one of Klarna’s available payment services. The use of the One-time Card Service is governed by the One-time Card terms available on our website. #### 1.8.5 Inactive Accounts If your Account is inactive for twelve (12) consecutive months or more Klarna may cease to maintain your Klarna User Account records in relation to your use of the Klarna Extension and your access to the Klarna Extension. To reactivate your Klarna User Account, please contact our customer service. ### 1.9 Sign In With Klarna (SIWK) Sign in with Klarna (“SIWK”) helps you to easily and securely sign in to and authenticate yourself at third-party apps and services using your Klarna User account. You won't have to remember individual usernames and passwords for each app or service. These third-party apps and services are provided by companies other than Klarna. If you don’t already have an account with the third-party app or service the shared data will be used to sign-up to the service, which typically includes that a new account is created at the third-party. When you use SIWK on a third-party app or service, Klarna will share your name, phone number and email address from your Klarna User Account to that third party. At some third-parties or services you will also have the option to share additional information at your choice. The shared data will be used by the third-party to check if you already have an existing account at the third-party and connect to it if that’s the case. If you don’t have an account on the third-party app or service the shared data will instead be used to facilitate the account creation at the third-party. If you use SIWK on a third-party app or service Klarna will continuously share the information you have approved with the third party. For example if you update the information in your Klarna User Account, Klarna will share these updates with the third-party app or service. Depending on the third-party app or service functionality enabled, SIWK might also automatically log you into your Klarna account when making a purchase with the third-party app, eliminating the necessity for a manual login through a separate authentication method. You have the option to withdraw the third-party app's authorization to receive information from your Klarna User Account whenever you wish. This can be done through the Klarna App or by getting in touch with our customer service. Please note that this withdrawal for Klarna to share information will not affect the account at the third-party. When you use SIWK, Klarna does not receive access to your third-party account, nor does the third-party receive access to your Klarna User Account. Important: In addition to data shared by Klarna the third-party might request for additional information directly from you. This additional information will not be shared with Klarna. All information will be used by the third-party app or service as described in their privacy notice or elsewhere. Make sure to read them before you start using SIWK on a specific third-party. Klarna may offer you discounts when paying with Pay in full, Pay Later and Pay in 4/3 at Klarna’s partner stores’ checkout (‘Klarna Deal’). Klarna Deal is a discount offered by Klarna that will be automatically applied at checkout when paying with Klarna at Klarna’s partner stores (stores that offer Klarna as a payment option) through their websites or in the Klarna App. The Klarna Deals are not available through any third party websites or apps. Each Klarna Deal is subject to specific conditions, such as the discount percentage or amount, how to redeem it and the promotion period (‘Klarna Deal Terms’).You may access the Klarna Deal Terms via email, Klarna purchase flow or in the Klarna App.The Klarna Deal will apply to any Klarna payment method available at the partner stores’ checkout, excluding the One-time Card. There is no requirement to use a Klarna loan product to benefit from the discount, you can pay with Klarna Pay in full. If more than one Klarna Deal is available at the same partner store, the highest discount will apply. The Klarna Deal will not be reflected in any receipt from the store; please check your Klarna purchase receipt. Klarna reserves the right to modify the Klarna Deal based on availability, store participation, or due to technical issues, as well as the right to remove the Klarna Deal from customers who are suspected to be engaging in fraud. Klarna may get a commission from the store. ### 1.11 Currency conversion When Klarna performs a currency conversion, we'll apply the rate that's in effect when you make your purchase. This rate includes our exchange rate mark-up, plus the base exchange rate from wholesale currency markets on the conversion day or previous business day. When required by law, we'll use the applicable government reference rate. The conversion rate will be shown to you prior to you completing the purchase. This section applies unless more specific product terms state otherwise.If you pay with a debit or credit card and Klarna determines that a currency conversion is needed, you authorise Klarna to perform the conversion instead of your card issuer. Currency conversion rate changes could work for or against you in cases of returns or refunds. If you request a partial or full refund after making a return, you will be responsible for any fluctuations in the currency conversion rate. ## 2. Are there any costs for the Service? Klarna grants you a non-exclusive, non-transferable, non-sublicensable right to use the Service. The Service described in these Terms including features in the Klarna App is free of charge, unless specifically indicated otherwise. If you use one of Klarna's payment options, different terms and conditions apply and interest and fees may be charged. So make sure to check the information provided for the payment method you have chosen. ## 3. Changes of the Service and Terms We are entitled to change these Terms from time to time, for the following reasons: - to optimize the existing features of the Services, or add new features to the Services; - to make these Terms clearer or more easy to understand; - to fulfill legal, regulatory or security requirements that apply to us; or - to make technical adjustments to ensure future functionality of the Services, or - to bring the Services in line with our business strategy, which may include discontinuing existing features. We will give you 30 days advance notice of such change that might negatively impact you - however, any new features can be used right away. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of those Terms. If you do not agree to the changes, your only option is to stop using the Services, or contact customer service at any time to terminate this Agreement. More information on how to terminate this Agreement can be found under section “Duration and termination of this Agreement” below. Klarna also has the right to downgrade, limit or otherwise modify the scope and/or content of the Service at any time and/or amend, vary or alter these Terms, to the extent we consider it necessary to do so, without prior notice. ## 4. Privacy and your personal data How Klarna processes your personal information when we provide our services is described in our Privacy Notice. There you can also find more information about your rights regarding your personal information, as well as how you can contact us if you have any questions. ## 5. Your obligations and content rights When using the Service, you should always provide correct information and use your real identity. As further described in section 12 you must keep your contact information (including but not limited to name, address, email address and phone number) up to date. Using information that does not belong to you, or that you are otherwise not authorized to use, or using the Service in a manner that does not comply with these Terms, will be considered a misuse. You may not use the Service in a way that violates any applicable law or to purchase any item that is illegal in your country. You may not use any software or device that is intended to disturb the Service or to extract other persons' personal data or other data. If you upload, share or import content to Klarna, like images, texts, reviews, receipts, information on goods, nicknames, service or deliveries, or other content, you grant Klarna a royalty-free worldwide sublicensable and transferable right to use and display the content for the purposes of providing, maintaining and improving Klarna's services. Unless prevented by any applicable laws, this right of Klarna will be unlimited in time. In particular, this licence doesn't affect your data protection rights. You may only upload, publish or share content which you have the right to use, and which does not violate law or other regulations, these Terms or third party rights. We have the right to remove any content uploaded or shared by you if we are required to do so by law, or believe it is offensive, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded, published or shared by you. You agree to not upload, publish or share content which is unlawful, fraudulent, abusive, threatening, violates the rights of others, offensive or criminal (such as agitation against ethnic groups, child pornography or unlawful depictions of violence) or ; transmitting content that contains viruses, Trojan horses, spyware, adware, malware, or other harmful or damaging programming; distributing unsolicited advertising (spam) or any other form of harassment. Klarna reserves the right, without obligation, to monitor, review, adjust, inactivate or remove content for the reasons mentioned above. You acknowledge and agree that if you upload, import or share content that is abusive, threatening or offensive, or violates, or Klarna may reasonably assume to significantly violate, law or your agreement with Klarna, we may terminate or deactivate your use of the Service. You acknowledge that any content you decide to share with others may become publicly available, which may result in information about you becoming available to third parties, and further used and shared. You are solely responsible for your uploading, publication and sharing of content, and agree to indemnify and hold Klarna harmless from damages, loss or costs incurred by your uploading, publication or sharing of content, including in connection to third party claims against Klarna. To the extent you cause processing of information about you by us, e.g. by uploading, publishing or sharing data in the Klarna App, about you indicating political or philosophical beliefs, trade union membership, data concerning health, biometrics, sex life or sexual orientation/practices, etc. or otherwise particularly sensitive personal data within the meaning of applicable national law, you give your explicit consent to us processing that data to perform our Service. ## 6. Login and security You must keep your Klarna User Account login details safe and secure, including your connected phone and email address, to prevent unauthorised usage. The Service shall only be used by you as the Klarna User Account holder and not by anyone else. You shall not make purchases on behalf of others using the Service or your Klarna User Account. You shall not grant access to the Service or your Klarna User Account to anyone else for any purpose. Any access by others shall be deemed an unauthorised access of your Klarna User Account. Any data related to misuse or suspected misuse may be retained and used for future risk assessment. Klarna also reserves the right to terminate or deactivate your use of the Service without prior notice in case of significant breach of your security obligations. To avoid unauthorised use of the Service on your behalf or unintended disclosure of your personal information, make sure only you have access to your login details and that you always log out from your Klarna User Account if you leave the computer or device unattended. You are responsible for any unauthorised use of your Klarna User Account or unintended disclosure of your personal information due to loss of login details or leaving your computer or device unattended. Klarna has implemented additional security features to keep your account secure and prevent unauthorized access to your account. These measures also include measures to help you keep your information up-to-date, for example if Klarna notices discrepancies or changes in the Klarna User Account information not actively updated by you. If at any time you wish to terminate your Klarna User Account, you can make a request by contacting our customer service. If you terminate your Klarna User Account by contacting customer service or if we terminate your Klarna User Account then we will forfeit all of your unused Points at the date of termination. ## 7. General If there is a conflict in these Terms with any other terms whatsoever attached to any other advertising material in respect of the Services, these conditions will take precedence. Klarna seeks to avoid conflicts of interest and has a conflicts of interest policy in place to manage such conflicts. If it is not possible to avoid a conflict of interest, we will ensure that you are treated fairly and we will contact you, in writing, to manage that conflict of interest and may also seek an acknowledgement from you that you are aware of the conflict of interest and still want to proceed with the product/service. ## 8. Services from other companies For some features you have the option to use may include services provided directly to you by companies other than Klarna, such as tracking features from logistics companies. When you use such features that rely on services from other companies, you authorize Klarna to utilize those services on your behalf. We do not provide any warranty, or assume any responsibility regarding the quality, accuracy, source, merchantability, fitness for purpose or any other aspect of those third party services. If you use Google Maps in connection with the Service, for example by searching for your address in the address bar, the Google Maps/Google Earth Terms of Service and Google's Privacy Policy apply. Furthermore, to prevent abuse of the Service, Klarna may use reCAPTCHA, and if so, Google’s Terms of Service and Privacy Policy will apply. ## 9. Duration and termination This agreement is for an indefinite period of time and continues in force until it is terminated by you or Klarna. You may request to terminate this agreement at any time, for any reason, by contacting us directly. Klarna will terminate your access to the Klarna App provided that all amounts owed to us by you (including late fees) have been paid in full, and no disputes and/or refunds are in progress. You will remain liable for all outstanding amounts that you owe to Klarna (including late fees) even after this agreement has been terminated (by you or Klarna). In that scenario, we will provide information to you on how to make payments to us. Klarna may at any time suspend, limit your access to our Service and/or terminate this agreement because you have not complied with this agreement, or where we reasonably consider it necessary to comply with our legal obligations, for example: - For the prevention of fraud; - To limit the risk of money laundering and/or terrorism financing; - To protect us against any legal or regulatory risks; - When we reasonably suspect, or are aware, (i) that you have breached this agreement in a material respect or (ii) of fraudulent or abusive use by you or a third party including the use of robot, spider, crawler, scraper, or other automated means or interface to access the Klarna App or extract other users’ information; - When we otherwise reasonably consider your activity associated with the Klarna User Account to be in breach of the law; or - When and to the extent necessary due to technical reasons, including when necessary to ensure the security of communication channels, equipment or information. Klarna will give you a three months’ advance notice of any suspension, limitation or termination, but sometimes Klarna will not be permitted to tell you by law or as a result of a court, regulatory or public authority order or where it will prejudice any investigation. If Klarna cannot provide the Service for any reason or ceases to provide the Service, Klarna may terminate this agreement by providing no less than three written months’ notice. Such notice will be provided to the email address registered to the relevant Klarna User Account. If you breach this agreement, Klarna may terminate this agreement immediately. If your breach of this agreement or your use of the Service, causes any harm or reputational damage to Klarna, we may take such steps (including legal proceedings) as we consider necessary. 9.1 Termination due to inactivity Klarna may also terminate this agreement and close your Klarna User Account where all of the following conditions are met: (a) you have not successfully logged in to the Klarna App or your Klarna User Account for a continuous period of at least 24 months; (b) you have not placed an order using any Klarna product or service in the preceding 24 months; (c) you do not have any active products, services or memberships with Klarna, including but not limited to: (i) Klarna balance. meaning your balance is zero and there are no pending transactions, refunds or transfers; (ii) Klarna Card or Klarna Credit Card; (iii) subscriptions managed through Klarna; or (iv) Klarna Membership; and (d) there are no disputes, refunds, chargebacks or complaints in progress; and (e) you have no outstanding unpaid orders (for this purpose, any order that has been written off shall be treated as paid); If you log in to your Klarna User Account, place an order using any Klarna service or product or otherwise stop meeting any of the conditions above during the notice period, the termination will not proceed under this paragraph. ## 10. Right of withdrawal (“the right to change your mind”) Consumers have the right to withdraw from this agreement under these Terms within fourteen (14) days without giving any reason. The withdrawal period will expire after fourteen days from the day of the conclusion of the agreement. To exercise the right of withdrawal, you must inform us of your decision to withdraw from the agreement (e.g. a letter sent by email or regular mail) to Klarna’s customer service. You may use the attached form, but it is not necessary. It is sufficient for you to send your withdrawal statement before the withdrawal period has expired. ## 11. Limitation of liability Klarna and our affiliates have no liability for your use of the Service or for any product that you purchase by using our Service. This means, for example, that we have no obligation to compensate you for any direct or indirect damage, including loss of profit or claims from other parties. Information that you receive from us will not create any warranty or guarantee from us. Furthermore, we are not responsible for any financial loss based on any decisions you make using the Service, nor are we responsible for any inaccuracies in the Services. Product specifications and other information have either been made accessible by suppliers, manufacturers, merchants, publications, publicists or been gathered from public-domain sources. The intention of Klarna is that all information on the website should be as accurate and up-to-date as possible. However, Klarna cannot guarantee the reliability or the accuracy of the information contained within its pages.We urge our users to conduct their own research prior to purchasing from the stores listed on our service to ensure the accuracy of the prices. All the actions taken by the user of the website are the responsibility of the individual. Klarna cannot make any guarantees that any information is correct or be held liable for any actions taken based on the product and pricing information provided. If you want to report an error or have any questions please contact Klarna at the address listed below. Merchants listed on the Klarna site are independent third parties and Klarna is not acting as a principal, agent or broker with respect to any advertisers. Your relationship with any merchant you contact through this site is solely between You and the merchant. You agree not to hold Klarna liable for any loss or damage of any sort incurred as the result of any business conducted with our merchants or as the result of the content provided by such merchants through the Site. In other words, we provide you with access to shops, merchants and offers, but we are not involved in the supply of the products you purchase through them. Klarna has no warranty, compensation, maintenance, support or availability obligations for the Service. Except to the extent that liability cannot be excluded or limited as a matter of law, Klarna accepts no responsibility or liability for (a) Klarna User Accounts which are created using incorrect or inaccurate information; (b) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications, line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers used in any aspect of the operation of the Service; (c) inaccessibility or unavailability of any network or wireless service, the Internet and/or any website; (d) any injury or damage to any person’s computer(s) or mobile device(s) which may be related to or result from any attempt to use the Service; or (e) any matter outside of its reasonable control. ## 12. Electronic communication By accepting these Terms and/or using our Service, you agree that Klarna may provide all communications, payment information, terms and conditions, information we are required to provide by law, all communications regarding any complaints and other information to you electronically to the email address you have provided to us. Keep your contact information up to date It is your responsibility to ensure that Klarna has your current email address and mobile phone number, so that we can communicate with you electronically. Keeping your information up-to-date is also important in order to keep your account secure - to prevent unauthorised access, and to keep the access to your account. If you need to update your primary email address, please contact customer service to make the change. Questions If you have questions about how we communicate with you, or electronic communications in general, please contact our customer service. ## 13. Assignment or transfer You agree that we may assign to any person or entity any of our rights under the agreement to which these Terms apply. Such assignment of our rights will not in any manner inhibit your statutory (consumer) rights. You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time provided that such transfer does not alter your rights and obligations under these terms to your detriment. You acknowledge and agree that, when using one of Klarna’s payment methods, Klarna has the sole right to receive payment from you, and such right may be assigned, pledged and/or transferred. ## 14. About Klarna Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99, e-mail: kund@klarna.se, is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen's website. Klarna Bank AB (publ), is authorised/licensed or registered by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules. Klarna is operating in Ireland on a branch basis and is subject to the Central Bank of Ireland’s Code(s) of Conduct (including the Consumer Protection Code 2012) which offers protection to consumers and the Code(s) can be found on the Central Bank’s website www.centralbank.ie. Klarna’s contact information can be found here. Please note that the protections afforded by the Consumer Protection Code 2012 only applies to regulated activities and services provided by Klarna. ## 15. Customer service and complaints For complaints, the information provided on www.klarna.com, klarna.com/ie/ applies. By using our Service you agree that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s customer service webpage, using the chat function or by sending us an email. If we are unable to resolve your complaint, you may refer your complaint to the Swedish National Board for Consumer Disputes (ARN). Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on ARN’s website: https://www.arn.se. You can submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission: https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to ARN. You may also contact ARN in Swedish by postal mail or personally: Allmänna reklamationsnämnden, Postbox 174, 101 23 Stockholm, Sweden, Visitor Address: Kungsholmstorg 5, Stockholm. If we are unable to resolve your complaint, you may also refer your complaint to the Financial Services and Pensions Ombudsman (FSPO). The FSPO is independent and free service to complainants and there is no cost for bringing a complaint to the FSPO. Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on FSPO website: www.fspo.ie. You can also submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission: https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to FSPO. You may also contact FSPO by postal mail or personally: The Financial Services and Pension Ombudsman, Lincoln House, Lincoln Place, Dublin, Phone: +353 1 567 7000, email: info@fspo.ie. ## 16. Governing Law This Agreement is governed by the laws of Ireland. Any disputes arising from or in connection with this Agreement shall be subject to the courts of Ireland. ## 17. Severability If any provision in these Terms is determined by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions of these Terms shall remain in full force and effect and shall be binding upon both you and us and enforceable as though said invalid or unenforceable provision (or portion thereof) was not contained in these Terms. ## 18. Intellectual property and trademark All content included in or made available through our Service, such as text, graphics, logos, button icons, images, digital downloads, data compilations, and software, is protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights), and is owned by Klarna or one of our affiliates (unless otherwise stated). The copying, redistribution, use or publication by you of any part of the Service, unless expressly permitted in these Terms, is strictly prohibited. Use of the Service does not give you ownership of any intellectual property rights in any of the content, documents or other materials you access. The trademarks, service marks and logos (the “Trademarks”) used and displayed in association with the Service are registered and unregistered Trademarks of Klarna. Other trademarks, service marks and trade names may be owned by others. Nothing on the Service should be construed as granting, by implication, estoppel or otherwise, any licence or right to use any Trademark or any other Klarna intellectual property displayed in association with the Service. The name “Klarna” and any other Trademarks shall not be used in any way, including in advertising or publicity pertaining to distribution of materials on the Service, without prior written permission from Klarna. Should you decide to provide us with feedback, such as suggestions for service enhancement, please note that we reserve the right to utilize your feedback with no obligations to you. This could be incorporated into our business operations, service modifications, marketing strategies, or any other relevant areas applicable. Model withdrawal form Addressee: Klarna Bank AB, Sveavägen 46, 111 34 Stockholm, Sweden This form can also be sent by email to the address set out under section 14: About Klarna. I/We(*) hereby give notice that I/we(*) withdraw from my/our(*) agreement for Klarna’s Shopping Service. Date of the conclusion of the contract: Name and surname of the consumer(s): Address of the consumer(s): – Signature of the consumer(s) (only if this form is sent on paper), Date: (*) Delete as appropriate.

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