Secure and private. By design.
We understand the importance of keeping your personal and financial information secure and private. From making sure you get what you pay for, to fraud monitoring and data encryption, we’re here to make sure you can always shop and pay with peace of mind.
Your data, your call
We are private by design. You own and control the data that you share with us and security is built directly into our products. We are fully committed to protecting and handling your data in a transparent and secure way.
Built-in privacy
Your privacy comes first, our products are designed and built to safeguard your data while still being easy to use.
Always in control
You can easily manage, access or delete your personal data when you are logged into your Klarna account.
Open and transparent
The reasons we collect and process your data are easily accessible and clearly outlined in our Privacy Notice.
Enhanced data protection
We only collect the information we need to give you the best experience possible and we use data encryption to keep it safe.
Our privacy terms
How we process and safeguard your data
Our Privacy Notice provides all the information about how we use your personal data and outlines our commitment to protect your personal data.
How we provide the best shopping experience
The Klarna Shopping Service terms explain how we provide an optimal shopping experience, including explaining details regarding your account, our payment methods, and how we protect your purchases.
How we use tracking technologies
Our Cookie Notice details how we use tracking technologies to optimise the functionality of our website and improve your user experience. It also explains how you can control the use of these tracking technologies.
Privacy FAQs
When you use Klarna, there are two ways we can receive your personal data:
Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.
Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service.
As we continuously work to elevate your shopping experience, we may use your data for a variety of reasons, for example:
Verify your identity when you use our services or contact us
Engage with you as a customer
Provide you with the services you requested
Give you an overview on your financial situation
Understand your eligibility for Klarna products and services
Communicate information on the products we offer
Conduct customer satisfaction survey
Carry out credit and fraud assessments
Perform debt collection service
Prevent IT attack
Meet regulatory and legal requirements
For more detailed information about the different reasons for collecting and using each type of your data, see our
.We value and respect your data, and always seek to improve your everyday interactions with us. Here are key ways your personal data, once shared with us, serves to benefit you:
Paying with Klarna: We perform internal and third-party credit checks, gather contact and ID information, and analyse interactions with Klarna to understand your eligibility for our products and services.
Klarna App: We collect data on app interactions, past purchases, linked bank transactions, and preferred items to enhance the app experience and provide personalised offerings like tracking deliveries, price drop notifications, and financial overview.
Support: We gather contact and ID details and document past conversations to ensure efficient, personalised support and faster response times.
Safe shopping: We record contact and ID information, financial details, device data, and interaction information to protect against fraud and money laundering.
Communication and Offers: We keep records of prior purchases, interactions, and device details to send updates, offers, and product recommendations.
For more detailed information on how we process your data, see our
.Your information security and privacy is the most important to us at Klarna. These are some of the measures we take in our approach to protect your data:
Investment in State-of-the-art Systems: Our advanced security infrastructure vigilantly monitors our ecosystem, identifying any suspicious activity.
Proactive Risk Management: Before developing our products, we conduct rigorous risk assessments and implement preventive measures to maintain robust security.
Data Encryption: We utilise appropriate encryption techniques to protect your data from unauthorised access.
Limited Access within the organisation: We ensure that only authorised individuals have access to your data.
Compliance with Regulations: As a finance institution, we are subject to regular external audits which scrutinise our security protocols to maintain the highest standards.
You can review and access a copy of all personal data that we store about you at any time. To access your data, log into your Klarna account, go to "Security and privacy," and then select "Privacy rights" to initiate the request.
The information you receive may include details related to your previous purchases with Klarna and the products and services you have used.
You have the right to request the deletion of your personal data. When you exercise your right to be forgotten, your data will be deleted, and all agreements you have with us will be terminated. As a bank, we are required by law to retain certain personal data even after your deletion request. We may also retain certain information based on legitimate interest to protect you and us, such as for fraud prevention purposes.
Once you have exercised your right to be forgotten, you'll no longer be able to access previous orders or your account. You can place new orders again after we have successfully deleted your data.
To request data deletion, log into your Klarna account, navigate to "Security and privacy," and then select "Privacy rights" to initiate the process.
Send us your privacy request
You're in control. Here is how you can exercise different privacy rights at Klarna:
Delete your personal data
You can easily request data deletion, by logging in to your Klarna account; navigate to "Security and privacy," and then select "Privacy rights" to initiate the process.
Access your personal data
To access your data, log in to your Klarna account, go to "Security and privacy," and then select "Privacy rights" to initiate the request.
Object to the processing of your personal data or correct your personal data
If you want to object to the processing of your personal data or correct your personal data, use the form below.
Safety comes standard
When we say we’re there for you, we mean it.
With every click, we make sure your data and information is protected. That means every time you open the app, we make sure it’s really you and each time you make a payment, we encrypt your personal information, making sure it stays between us.
Pay it safe
Fraud detection is at the heart of Klarna's security. We can quickly respond to unusual activity on your account, and if needed, we will ask for an extra security step called a multi-factor authentication (MFA), which will ensure that it’s really you making a purchase and giving you peace of mind that your financial information is safe.
Shop securely with buyer protection
If you shop with Klarna and run into issues, like your order doesn't arrive or it's not what you expected, we've got your back. Just give the store a chance to sort it out first, and if that doesn't help, we'll step in to help you get a refund and even pause your payments in case of returns.
You’re in the driver’s seat
When it comes to your data, it isn’t just a question of keeping it safe, it’s about making it easy for you to be in control of your information. We’ll also send you a notification whenever you make a change to your account and an alert with every new login into you account.
Security tips
Shopping should be fun, but it's important to be aware of potential risks to help you stay safe. That's where our security tips come into play.
We want to prevent scams and unauthorised activity from happening in the first place. These tips are straightforward and easy to apply, so don’t wait - dive into our tips to stay in the loop.
Top 4 ways to spot a scammer
We’ve narrowed down a few of the top ways to spot a scammer. When something doesn’t seem right - your intuition may be picking up on subtle scam signals.
1. Unexpected messages
Scammers often initiate contact through unsolicited emails, phone calls, or text messages and extract sensitive information.
2. Time crunch
Scammers often create a false sense of urgency to pressure you into acting quickly without thinking.
3. The more you know
Before shopping or sharing personal details online, make sure the website is legit and secure.
4. Too good to be true
Scammers may ask you to pay using gift cards, the Klarna app, or even a wire transfer with the expectation you’ll receive even more in return.
What should I do if I...?
Do not click any links or open attachments from unexpected or unverified sources. Always be cautious of communication requesting personal or financial information, demanding immediate action, or simply does not look right. If possible, flag the message as spam or junk. Your awareness and vigilance are the best lines of defence.
Immediately contact Klarna and any other relevant institutions involved to notify them about the incident. Swift action could trigger preventative measures that can avert further complications. Change all relevant passwords and monitor your financial statements closely for any signs of unauthorised activity.
Immediately contact Klarna to report the lost device or card. Freeze your card to prevent unauthorised charges. Similarly, if a device like a phone or laptop is lost, change all passwords for accounts accessible on the device and inform relevant institutions about possible unauthorised access - especially if the device is auto-logged into any financial or personal accounts.
Immediately contact Klarna to report the suspicious activity. Consider changing any log-in credentials you believe could be compromised and enable additional security measures like two-factor authentication. Regularly monitoring your account for unfamiliar activity can help detect potential fraud early.
Always double-check before conducting any transactions, particularly those demanding urgently and unexpectedly. Contact the requester via a different, trusted method to confirm its legitimacy.
Before sharing information online, research the company, check reviews, and confirm valid contact information.
Make sure the website is legit and secure. Double check the website’s URL is spelled correctly. Also, look for "https://" in the URL which means the data you send to the site is encrypted, providing an extra layer of security. Especially when using public Wi-Fi networks. If something feels off, trust your instincts.
Do not open the file. Delete it immediately and run a virus scan. Ensure you have up-to-date antivirus software installed to protect against malicious downloads. Continue to monitor your financial statements closely for any unauthorised activity.
Always proceed with caution when contacted unexpectedly, even if they appear to be legitimate from a place you trust. If in doubt, end the conversation and independently contact the company directly using a verified method such as the customer service number listed on their official website. It’s always better to double-check before sharing any personal or financial information.
Need help?
We're always ready to support you with any security or privacy questions.