Secure and private. By design.

When you use Klarna, there are two ways we can receive your personal data: 

1. Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.

2. Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service. 

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.

Read more about security at Klarna

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.