Public Evidence Packet
Klarna - Privacy Notice
Privacy Notice
46e33448-2d8e-4346-86d9-2a11d0c85145- Screening date
- 01 Oct 2026, 19:54 UTC
- Jurisdiction
- US
- Risk screening
- High · 8/10
- Score trace
- +2 points from previous public change
This packet records PolicyWatcher evidence and AI-assisted screening for one public change. It is not legal advice, a compliance verdict, a certification, or proof that the external source remains unchanged.
- 01Source evidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source evidence
- Publication gate
- Published
- Retrieval state
- Recorded retrieval available
- Latest retrieval
- 01 Oct 2026, 19:54 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
f3bc1b1097b6a4d10e619574a62661def001dbf5bae929a7dae4de3f011cde63Captured 18 Aug 2026, 02:27 UTC23a8f8ff13afd975658f2fbef695ce533e382807168d79a08e63ce04cc33b737Captured 01 Oct 2026, 19:54 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
Klarna's updated policy expands data sharing and removes a key privacy assurance for Travel eSIM internet browsing data, increasing user risk.
- Reason 1+3 score contribution
Removed explicit assurance on Travel eSIM internet browsing data access.
- Related KPI
- Data collection
- Source side
- old snapshot
Verified exact source passage
“Neither Klarna (including all Klarna group companies), nor Gigs Wireless LLC has access to the content of your internet browsing data.”
- Reason 2+2 score contribution
New sharing of phone numbers with third-party linking providers for Open Banking.
- Related KPI
- Third-party sharing
- Source side
- new snapshot
Verified exact source passage
“When you connect a bank account, we may share your phone number with our third-party linking provider(s) to check your eligibility for faster linking options and, if eligible, complete the connection.”
- Reason 3+1 score contribution
New sharing with digital wallet and payment platform providers.
- Related KPI
- Third-party sharing
- Source side
- new snapshot
Verified exact source passage
“Digital wallet and payment platform providers, to enable card features (such as displaying your account balance and available credit on your device) when you add your Klarna card to a digital wallet.”
Score reasons and deltaScore values are stored AI-assisted screening outputs. Verified anchors confirm only that the quoted passage occurs in the named snapshot; they do not prove the interpretation.
Advisory review map
Governance Relevance
EU AI Act
Official Journal text, 2024
Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?
- AI training opt-out
- Opt-Out
- Algorithmic transparency
- Mentioned
- Automated decisions
- Partial
- AI bias and fairness
- Absent
ISO/IEC 42001
ISO/IEC 42001:2023 overview
Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?
- Algorithmic transparency
- Mentioned
- AI bias and fairness
- Absent
- Independent audit
- Absent
- Regulatory compliance
- Partial
NIST AI RMF
AI RMF 1.0; NIST revision in progress, checked 2026-07-29
Which recorded policy statements may support Govern, Map, Measure or Manage review questions?
- Algorithmic transparency
- Mentioned
- Automated decisions
- Partial
- AI bias and fairness
- Absent
- Content moderation
- Opaque
OECD AI Principles
OECD AI Principles, updated 2024
Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?
- Consent mechanism
- Implicit
- Algorithmic transparency
- Mentioned
- AI bias and fairness
- Absent
- Independent audit
- Absent
Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.
Exact change-bound files
Report Output
Both files are generated from this exact change ID.
Download exact-change PDF Download exact-change JSON375f6feefdfe247920a0bc3a268c7ac77c4d0c27b32faaaa634b3cc69d73dc85Questions before reuse
- Does the original Privacy Notice source still match the recorded public snapshot version 5?
- Do the cited source passages support each displayed reason, KPI value and regional note?
- Which advisory framework topics require specialist legal, risk or governance review for this use case?
- Has a later public change superseded this packet before it is reused in a decision or publication?