Klarna Terms and Conditions

Klarna Financing

 These terms and conditions represent an Agreement  between Klarna Bank AB (“Klarna”, “we”, “us” or “our”) and you (“you” and “your”) when you use Klarna’s services and features as described in these terms, as may be amended from time to time (the “Service”). You sign up for the Service and enter into an agreement with Klarna by accepting  these terms. You acknowledge that each time you use our Service, you will need to accept the current version of these Terms. You can at any time access the latest version of these terms via the Klarna App or our website. You can also download the term here.  For Klarna, shopping is not just about finding great stuff and paying for them - it is also about enjoying a great shopping experience at the store of your preference, a state of the art app, and many other things. Simply put, a smooth user experience both before you have done your purchases and after you have done a purchase. These terms explain in more detail what this means. Please note that additional terms may apply to a specific Payment Service  if you choose to make your payment by using one of the Payment Services offered by Klarna. 1.Autofill and preferences In order for you to have a smooth 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. Let us explain in more detail how this works. Autofill while shopping with Klarna When using Klarna the first time you may 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. 

The Klarna App, provided to you by way of an app or a web portal is your online shopping assistant, constituting your hub for all your Klarna purchases and all other great features Klarna offers. By using the Klarna App you can pay your purchases, track your packages and many more things. Some of these features are activated by downloading the app or logging in through the web portal, while others can be activated by you after login. The exact content of features can differ between different country versions of the Klarna App. Klarna updates the Klarna App continuously with new and improved features. To mention a few of the features we are most proud of:

Features:

• View your Klarna purchases and transactions
• Manage your payments
• Easy interaction with Klarna

Example of other features we may offer depending on country version:       

• Shopping services like search functions, an overview of stores that we think you will like, as well as personalised recommendations, offers and other content
• Shop using Klarna’s payment methods - even at stores which do not yet use Klarna
• Order, delivery or parcel tracking
• Easy return handling and refunds
• Personal finance overview and management
• Display and storage of your transactions, purchases, receipts, images and other material
• CO2 emission footprint on your purchases
• View your orders made via stores or entities unrelated to Klarna
• Create and share collections of goods or services of your choice
• An assistant that suggests to help you to fill in various information (such as payment method, card details, shipping address) by use of autofill 
• 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.

As a Klarna App user you may, at your own discretion, upload, publish and share your content, such as collections, images and nicknames. You acknowledge that by sharing content you make it publically available, which means that information about you becomes available to others, and may be used and shared further by other individuals. You may only upload, publish or share content which you have the right to use for these purposes, and which do not violate law, this Agreement or third party rights. You agree to not upload, publish or share content which is unlawful, fraudulent, abusive, threatening, violate the rights of others, offensive or criminal (such as agitation against ethnical 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, without notifying you or a third party, in our sole discretion. You are solely responsible for your upload, publication and sharing of content, and agree to indemnify and hold Klarna harmless from damages, loss or costs incurred by your upload, publication or sharing of content, including in connection to third party claims against Klarna.  We save information about your purchases and transactions 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 Notice. 

Klarna may provide you with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. What offers and benefits you receive will be based on your previous actions such as number of purchases, purchase amounts, or usage of Klarna’s Services. Are there any costs for the Service? This Service and other services offered by Klarna are free of charge. Please note that interest and fees may apply to the use of a specific Service offered by Klarna. So make sure you check the specific information for the Service that you use. Improvement of the Service We constantly work to improve our Service in order for you to get an even smoother user experience. This may require changes to these terms. In this case, you will be asked to accept the new terms before you can continue to use the Service. Privacy and your personal data To the extent you cause our processing of information, 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 or sex life, etc. (so-called special categories of personal data, in accordance with EU Regulation 2016/679 (the “GDPR”) and the “UK GDPR”), you give your explicit consent to us processing that data to perform our Service. 
Please see our Privacy Notice for further information regarding our processing of your personal information and more information about your rights regarding your data. You can also find our contact information if you should have any questions.  Card Payments When making a purchase with Klarna you may configure and use a number of different funding sources, including debit, credit or prepaid cards. Your funding source will be saved to your Klarna User Account until you edit/remove it from your user account or if the user account is deleted. By choosing to save your card details with Klarna you authorise Klarna to charge this funding source for any subsequent usages of Klarna when making purchases with us. You will not be charged until you make a purchase. If your default card funding source can't be charged for a purchase, including instalment plans or subscriptions, if applicable, you authorize Klarna to attempt to charge your other card funding sources, registered to your Klarna User Account.

Your obligations

You shall always provide correct information and use your own and correct identity. Any use of information that does not belong to you or that you for other reasons are not authorised to use, or the use of the Service in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Service from further usage.

If you upload, import or share content to Klarna, like images, texts, receipts, information on goods, service or deliveries, or other content, you grant Klarna a royalty-free right to use and display the content for purposes of delivering the Service. We have the right to remove any content uploaded or shared by you if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded or shared by you.  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 violate, law or your agreement with Klarna, we may terminate or deactivate your use of the Klarna App.   Third party servicesSome features used by you, for example parcel tracking, may include services provided by a third party. Logistic companies’ tracking functions is an example of this. When you use features which rely on third party services, you authorize Klarna to utilize those services on your behalf.Your use of Google Maps in the checkout (for example by searching for your address in the address field)  and the Klarna App is subject to the then-current Google Maps/Google Earth's Terms of Service and Privacy Policy.

Furthermore, to prevent abuse of the Klarna’s App via the web portal, Klarna may use reCAPTCHA, making you subject to Google’s Terms of Service and Privacy Policy

The Klarna App is available through third-party distribution platforms (“Application Stores”). You may require the 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. Duration and termination of this agreement

This agreement is concluded for an indefinite period of time. It applies until it is terminated by you or us and can be terminated at any time. Please note that in case of a termination, the use of the Service, including any features provided in, or managed via, the Klarna App, will no longer be available. Electronic communicationBy accepting these terms you agree to that Klarna will use electronic communication when communicating with you. Payment information, terms, disclosures required by law and other information to you can be provided electronically, including via Klarna website, app, or the email address(es) that you provided to us.Updating your contact information  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. If you need to update your primary email address, please contact Customer Service to make the change.QuestionsIf you have questions about electronic communication in general, please contact Customer Service.   Assignment or transferYou 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. KlarnaKlarna 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. Governing law

This Agreement is governed by the laws of England and Wales and is subject to the exclusive jurisdiction of courts of England and Wales. If you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland. ComplaintsFor complaints, the information provided on https://www.klarna.com/uk/feedback-and-complaints/ applies. By using our Service you consent and agree to 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 giving us a call on (+44) 0808 189 3333. We aim to handle all complaints promptly, effectively and in a positive manner. If we do not resolve your complaint to your satisfaction, you may, in some instances, be able to refer your complaint to the Financial Ombudsman Service by calling 08000234567 or using the online form available at https://www.financial-ombudsman.org.uk/contact/index.html or writing at Exchange Tower, Harbour Exchange, London, E14 9SR.

For all other instances, you may refer your complaint to Klarna’s Complaints Adjudicator for an impartial review, using the form provided alongside your final response. For more information about how we handle complaints at Klarna, please refer to our complaints handling procedure.

General

Klarna User Account. When accepting these terms for the first time, either by using one of Klarna’s Payment Services in a merchant's checkout or when downloading and logging in to the Klarna App,  you acknowledge that a Klarna User Account will be created.

These Pay later terms apply between you (who are at least 18 years old) and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method. When you choose Pay later, which is a form of credit, we offer you the possibility to pay  on a due date 30 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”). Klarna will send you a payment instruction to pay directly to Klarna. For contact details and further information about Klarna, go to: klarna.co.uk.

 

Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.

For more information and instructions please go to: https://www.klarna.com/uk/buyer-protection-description/.

 

We charge an invoice fee of 0 (£) per purchase. Pay later is a form of credit. It is important that you complete your payment for your purchase no later than on the communicated due date. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf.

 

If you choose Pay later, Klarna will assess your creditworthiness. We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining a credit in future.

Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the UK. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

 

For complaints, the information provided on https://www.klarna.com/uk/feedback-and-complaints/ applies. By using our Service you consent and agree to 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 giving us a call on (+44) 0808 189 3333. We aim to handle all complaints promptly, effectively and in a positive manner. If we do not resolve your complaint to your satisfaction, you may refer your complaint to Klarna’s Complaints Adjudicator for an impartial review, using the form provided alongside your final response. For more information about how we handle complaints at Klarna, please refer to our complaints handling procedure. 

You may not transfer or assign any rights or obligations you have under these terms without our prior written consent. We have the right to transfer or assign these terms or any right or obligation under these terms at any time without your consent, provided that such transfer does not alter your rights and obligations under these terms to your detriment.

Pay in 3 instalments 

Thank you for choosing to shop with Klarna. This is a credit agreement between you and us. When we use ‘us’, ‘we’ or ‘our’ in this document, we mean Klarna Bank AB UK Branch. When we use ‘you’ in this document, we mean anyone who has bought something using Pay in 3 instalments with Klarna.  

Who can use Pay in 3?
You must be a UK resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You  should also make sure the card you use has enough money available to cover all the instalments. Pay in 3 is a credit product. It’s our decision whether or not we start a credit agreement with you. 

How do I Pay in 3 instalments?
With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay Later in 3 interest-free instalments’. When you choose this option, just enter your card details to complete your purchase. There won’t be any interest, fees or charges for using a debit or credit card. Although your bank might charge you interest or other fees on top.  

Which cards does Klarna accept?

Klarna accepts most cards except prepaid cards. We may also not accept a card that’s due to expire in the near future. We’ll let you know at checkout if your card hasn’t been accepted. When will Klarna take my payments?At the point of purchase we’ll  freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we've received confirmation that your items have been shipped, the first of your three payments will be taken from your card automatically using the freezed amount. You’ll be able to see this on your card statement. If your items are not shipped, we’ll unfreeze your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment. The dates these payments are due will be sent to you by email, and you’ll be able to check them in our app. Sometimes the shop (instore or online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order.  If something goes wrongWhat happens if my card is cancelled, or my card details change?If your card is cancelled, you’ll still have to pay us any money you owe as soon as we ask you to.If your card details change between your purchase and your final payment, you must tell us your new details. You can do this online. If you don’t give us this information, we might ask the bank for your details.  

What happens if I cancel my purchase?
If you cancel your purchase, we’ll cancel any outstanding payments and pay back any amounts we’ve already taken from your card. We’ll do our best to pay you back as soon as we can.

If you want to return part of your order, we’ll take the amount from your outstanding balance. It won’t count as a payment, so you’ll need to continue making your payments on the dates they’re due until your balance is paid in full. 

How and when will I receive my refund?
Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.

Full refund

If you’re due a full refund , we’ll cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.

Partial refund

If you’re due a partial refund that’s more than the remaining balance on your order, we’ll deduct the amount from the outstanding balance first. We'll then refund the difference to the card you used to pay off the purchase.

If the partial refund is less than the remaining balance on your order, we’ll deduct the amount from the outstanding balance. We’ll then spread the remaining balance evenly over the remaining payments.

What happens if you can’t take an instalment because I don’t have enough money on my card?

If we can’t take the first instalment from your card, we’ll let you know, and try up to two times again to take the money. We’ll let you know when we’re going to try again, so you’ll have plenty of time to put some money onto your card to make the payment.

If we can’t take the money from you after two attempts, we’ll roll the missed payment over to the second instalment. If we can’t take the second instalment, we’ll give you a few days to update your card details or make sure there’s enough money on your card. If we still can’t take payment after two more attempts, we’ll roll over the payment to the next and final instalment. If we still can’t take the payment, we’ll try again twice. If we’re still not successful, we might ask you to pay the outstanding amount directly or use a debt collection agency to collect the money for us. Klarna will always get in touch with you before charging your card. We will also contact you if we roll over a payment to the next due date or if we have to use a debt collection agency.

Not paying your instalments on time might also mean you can’t use Klarna in the future.  

Will using Klarna affect my credit score?
No. We might carry out a limited credit search on you at a credit reference agency. This is a ‘soft credit check’, and won’t affect your credit score, or your chances of using credit in the future. You’ll be able to see it on your credit file, but no one else will.  

How does Klarna store my card details and my personal data?
We store your card details on our systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future. You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.

We use your personal data to identify you and to carry out customer analysis, credit assessments, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of the UK.

Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice.

How do I make a complaint?

You can make a complaint through our customer service webpage using our live chat feature, or by calling us on (+44) 0808 189 3333. We try to handle all complaints as quickly and smoothly as possible. If you’re not happy with our response, you can contact Klarna’s Complaints Adjudicator. Use the form provided alongside your final response. You can find our full complaints information here.  

Transfer of rights
This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first. We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you. Klarna Klarna Bank AB UK Branch is a branch of Klarna Bank AB which is authorised and regulated by the Swedish Financial Services Authority. Klarna is authorised by the Prudential Regulation Authority. It is regulated by the Financial Conduct Authority and by the Prudential Regulation Authority. Klarna Bank AB UK Branch’s number is BR020956 and its address is 125 Kingsway, Holborn, London, WC2B 6NH, United Kingdom, with FCA reference number 536065. Klarna Bank AB’s headquarters are at Sveavägen 46, 111 34, Stockholm, Sweden, registered in the Swedish Commercial Register under registration number 556737-0431.