Privacy you can count on

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

Your information security and privacy is the most important thing 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 utilize appropriate encryption techniques to protect your data from unauthorized access.

• Limited access within the organization: We ensure that only authorized individuals have access to your data.

• Compliance with regulations: As a finance institution, we are subject to regular external audits which scrutinize 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.

Depending on the service you wish to use, we may need to share some of your data with a select number of third parties, for example partners (cloud computing platforms, payment service providers or advertising or marketing partners) or authorities. To give you some examples, the reason for this may be so we can store your data safely, administer your purchases with stores, abide by regulatory requirements, prevent fraud, carry out credit risk assessments, or conduct marketing or advertising.

You may opt out of certain types of sharing under GLBA; to limit our sharing of non-public personal information with unaffiliated third parties under Gramm-Leech-Bliley Act simply go to the Klarna app: sign in to the Klarna App, go to Settings, then “Privacy” to adjust your settings. If you don’t have the Klarna App, you can go to the WebApp at app.klarna.com, then log-in, click ‘’Settings’’, then “Privacy” to adjust your settings.

For more information, please read our

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.

Correct your personal data

If you want to correct your personal data, use the form below.