Cookie Policy

1. Introduction

As indicated in the cookie banner, Groovie Monkey makes use of various types of cookies, web beacons and JavaScripts (hereinafter collectively referred to as “cookies”) on its websites.

In this cookie policy we explain what these cookies are, what these cookies are used for and how you can adjust the settings of your browser to accept or not accept cookies.Accepting cookies is not a condition for visiting our website. However, we would like to point out that the use of the shopping cart function and the ordering of products are only possible with the activation of cookies.

2. Consent

For some of the cookies used by Groovie Monkey you have to give prior consent, under Dutch law. This cookie policy indicates which cookies are concerned.

By clicking “I agree” in the cookie banner or by continuing to use this website, you agree to the placement of all cookies described below when visiting this website or other Groovie Monkey websites. You continue to use this website (and thus consent to the placement of all cookies) by clicking on any part of Groovie Monkey’s web pages (other than accessing this cookie policy or Groovie Monkey’s privacy statement) or by browsing to other pages of Groovie Monkey’s websites. If you do not consent to the placement of all cookies as described in this cookie policy, you should not use and should leave the Groovie Monkey websites.

3. What are cookies?

A cookie is a small text file that is placed on your computer when you visit a website. In this text file information is stored. This information can be read by the website during a later visit. Some of these cookies are necessary because otherwise the site cannot function properly. Other cookies are used to increase the ease of use of the site for the visitor. For example, to securely remember your user name and language preference. This saves you having to fill in this information every time you visit. Some cookies are used to show you targeted ads on the websites of Groovie Monkey.

Web beacons are small graphical images on a webpage that are hidden for the user and that allow the measurement of visits and usage of a webpage.

A JavaScript is a program that is placed on the user’s peripheral and executed from the peripheral. By executing this program, Groovie Monkey can determine where the visitor is located and what actions are performed. In this way Groovie Monkey gets a better understanding of the behavior of the visitor, which allows Groovie Monkey to better design the website and advertise on the Internet in a more targeted way.

4. What kind of cookies does Groovie Monkey use and for what purpose?

The cookies used by Groovie Monkey can be divided into several categories, as explained below.

Functional cookies

This category of cookies is necessary to ensure that the website works properly. These cookies ensure, for example, that information from one page is carried over to the next. This means you don’t have to fill in the same information every time. These cookies also ensure that certain preferences you have indicated for the use of a Groovie Monkey website (such as language settings or text size) are remembered during future use of the websites. Your prior consent is not required for the use of these cookies.

Analytical cookies

These cookies are needed to keep our websites permanently in line with the wishes of our users by anonymously determining how users use our websites. Given the minor impact of these cookies on your privacy, consent is not required for the use of these cookies. These analytical cookies also include cookies placed and read by third parties on behalf of Groovie Monkey, such as Webtrekk and Google Analytics.

Social Media Cookies

To make it easy to share the content of our websites with others by using buttons, we use social media cookies from the social media parties, so that various social media parties can recognize you. For the cookies that the social media parties place when you click the buttons and the data that can be collected, please refer to the declaration of these various parties. For the use of these cookies your permission is required.

– Facebook

– Twitter

– Pinterest

– Instagram

Advertising/profiling cookies

Advertisements are displayed on the Groovie Monkey websites. Some of these advertisements use cookies. These cookies are placed by us and by third parties on our website so that ads relevant to you can be shown. For the use of these cookies your permission is required.

For example, we use Doubleclick, a service provided by Google to show you relevant ads. By using this service we collect information based on previous visits to our or other websites on the Internet. In doing so, a pseudonym identification number (ID) is assigned to your browser in order to check which advertisements were displayed in your browser and which ones were called up. The cookies do not contain any personal information. This data will only be transmitted by Google to third parties if required by law or in connection with the processing of order data. This data is only transmitted by Google to third parties when required by law or in connection with the processing of order data. Under no circumstances will Google combine your data with other data recorded by Google.

You can prevent Google from recording and processing the data generated by the cookie and relating to your usage (including your IP address) by downloading and installing the browser plugin available at the following link. Alternatively, you can deactivate Doubleclick cookies on the Digital Advertising Alliance site using the following link.

Affiliate cookies

In view of the minor impact this has on the personal privacy of users, consent is not required for the use of these cookies.

Tracking cookies

Tracking cookies are used to collect information about your surfing behavior on our website, so we can make an analysis of our website and keep improving it. We also use these cookies for future advertising purposes.

Your consent is required for the use of these cookies.

Unforeseen cookies

Due to the way the Internet works, Groovie Monkey cannot always control what cookies are placed by third parties through our websites. An example of how this may happen is if website content stored with other parties is displayed on our websites. Should this be the case, we would greatly appreciate it if you would make this known to us.

5. Change cookie policy

Groovie Monkey may make changes to this cookie policy from time to time, without notifying you, because for example its website or the cookie regulations change. Changes will be effective immediately upon posting on the website. We recommend that you consult this cookie policy regularly in order to be aware of any changes and, if desired, to adjust settings. By continuing to use this website, you agree to any changes to the cookie policy.

Privacy Statement Klarna

Your privacy is important to Klarna. Therefore, we always collect and process personal data responsibly and with your privacy in mind. This Privacy Statement describes how we collect and use your personal data when you use the services of Klarna (the “Services”) and become a customer of ours. Examples of using our services are when you pay with one of our payment options, use our web or mobile application (the Klarna App) or when you let us fill in your information in the checkout of a web store. This document also describes your rights and how you can exercise them.

This privacy statement applies to the processing of personal data by Klarna with the exception of what is described in section 1.

Some of our Services will give you access to content and features provided by companies or organizations other than Klarna (“Third Party Services”). This is for example the case when we link from our website to the third party website, and you visit the third party website through our web browser on the Klarna App. This Privacy Statement does not apply to the processing of your personal data by Third Party Services, and Klarna is not responsible for the processing of your data by third parties.

We are Klarna Bank AB (publ), registered in the Swedish Commercial Register under the registration number 556737-0431 with our head office at Sveavägen 46, 111 34 Stockholm, Sweden. Under EU data protection law, we are the data controller for all personal data we obtain from you or otherwise collect about you. We are responsible for processing your personal data in accordance with valid data protection laws.

1. Other Klarna Privacy Statements

The services Klarna Ident and Klarna Open Banking use your personal data in accordance with the separate privacy statements for these services, which will be provided to you when you use these services. These separate privacy statements apply instead of the information provided here. Separate privacy statements may also apply to specific campaigns or offers that are temporarily available. If so, such separate privacy statements will be offered with the campaign or offer.

2. What information do we collect?

2.1 Information that you provide to us

You can give us information about yourself when you use one of Klarna’s Services, for example when you choose to pay with one of Klarna’s payment methods, contact us or use the Klarna App. You may only provide your own personal data for the use of the Services, so that the Services can be offered in a proper way.

Depending on which Service you choose, this may include:

Personal data and contact information – name, date of birth, national ID number, title of address, shipping and billing address, email address, mobile phone number, nationality, salary, audio, photo and video recordings of you and your ID card, etc.
Payment information – credit and debit card information (card number, validity date and CVV code), billing information, account number, etc.
Special categories of personal data – You may choose to provide us with personal data that qualify as special categories of personal data under EU Regulation 2016/679 (the AVG), such as data about religious or philosophical beliefs, political opinions, trade union membership or data relating to your health, sexual behavior or sexual orientation. We do not need these categories of personal data to provide the Services. If you choose to provide us with this personal data, it will always be on a voluntary basis and based on your express consent. You can find out how to withdraw your consent in Section 5.

You can change your profile information, such as your contact details and other editable settings, at any time. You can do this in the Klarna app or by contacting us.

2.2 Information we collect about you

Depending on which Service you use, we may collect, either ourselves or through third parties (e.g. trade information and fraud prevention agencies, retailers or public databases), the following information:

Personal data and contact information – name, date of birth, national ID number, title of address, shipping and billing address, email address, phone number, etc.
Information about goods and/or services – data about what you buy, including for example the type of goods or a track and trace code.
Financial information – financial information obtained through third parties, such as your income, possible outstanding credits, negative payment registrations, previous payment and credit acceptance, account number, account holder name, and other bank information.
Information about interaction between you and Klarna – how you use our Services, including information about outstanding debts and debt and payment history with Klarna. Technical data such as web page response times, download errors, personal settings, your contact history with Klarna’s customer service, etc.
Recorded phone calls – We record phone calls when you call customer service.
Information about interactions between you and stores – your previous interactions with stores where you store, such as whether you received the products and the type of store.
Device information– for example, IP address, language and browser settings, time zone, operating system, platform and screen resolution. Please visit Section 11 to read more about how we collect and/or store information about your device.
Information from external PEP and Sanctions lists – we may screen your information against international sanctions lists and lists of so-called politically exposed persons. These lists include information such as name, date of birth, place of birth, occupation or position and the reason for inclusion on the list.
Service-specific information – in order to provide you with some of our Services, we may collect and process additional personal data that do not fall into the categories listed above. Please see Section 4 below to find out what additional personal data is processed for the particular Service.

3. What personal data do we process, for what purpose and on what legal basis?

Depending on the Services that you use, Klarna may process your personal data for the purposes listed below based on the legal basis mentioned for each individual purpose. In section 4 you will find more specific information about how we process your data in some of our Services.

Processing in the performance of the Services

Purpose of processing	Personal data	Legal basis for processing
Managing the customer relationship with you in various ways, for example, to manage your payment or to carry out our obligations under credit agreements between you and us.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.	Necessary for the performance of a contract
Creating and sending information to you in electronic form (not marketing).	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.	Necessary for the execution of an agreement
Assessing the most appropriate way to contact you to inform you about outstanding debts.	Assessing the most appropriate way to contact you to inform you about outstanding debts.	Klarna has a legitimate interest in being able to contact you as effectively as possible. We will ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
To evaluate in which order different payment options should be presented to you at checkout at a store that uses Klarna. However, this processing and presentation will not affect which payment options are available to you. You can object to this at any time by contacting us using the contact information provided below. With this processing, we engage in profiling. See section 6 for more information on profiling.	Personal data and contact information, information about goods and / or services, information about the interaction between you and Klarna and information about the interaction between you and the store.	If you have agreed to the Terms of Use as described in section 4.4, the applicable legal basis is the performance of a contract. If you have not agreed to these terms, Klarna will base the processing on legitimate interest. Klarna (and you as a customer) have a legitimate interest that your preferred payment option is displayed in a prominent place in the checkout.
Conducting customer satisfaction surveys about our Services (for example, after you have contacted Klarna’s customer service) by email, text message, phone or other means. You can object to this use at any time. You will also be informed about your right to object (opt-out) each time your e-mail or telephone number is used for this purpose.	Personal data and contact information, information about goods and/or services, information about the interaction between you and Klarna, and information about the interaction between you and the store.	We ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Performing a creditworthiness assessment before granting a credit. (See Section 4.1 about our credit services and Section 7.4 about how we work with trade information agencies.)	Personal data and contact information, financial information (including information we obtain externally from trade information agencies), and information about the interaction between you and Klarna.	Klarna has a legitimate interest in conducting customer satisfaction surveys. We will ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
To prevent IT attacks (e.g. DDos attacks) against Klarna’s Services, as part of our efforts to keep our Services safe.	Personal data and contact information, information about interaction between you and Klarna, information about interaction between you and stores and device information.	Comply with laws and regulations, where the credit we provide is legally regulated. In case the credit is not legally regulated, the data will be processed in order to execute the contract.
To treat you as a vulnerable customer (if you have been put in a vulnerable position by personal circumstances).	Personal data and contact information, information about the interaction between you and Klarna and special categories of personal data.	Klarna has a legitimate interest in keeping our Services secure. We will ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
To improve our Services, for training and quality purposes, and to document what has been discussed and agreed upon between you and our customer service team.	Recorded phone calls	Based on your explicit consent
Transferring your data to stores, suppliers, and other recipients (See section 7 for more information on how we share your data and why).	All categories of personal data under paragraph 2	Klarna has a legitimate interest in improving our Services and conducting training and quality control. We will ensure that any processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Klarna has a legitimate interest in improving our Services and conducting training and quality control. We will ensure that any processing carried out for this purpose is necessary to fulfil our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores and device information.	All categories of personal data under paragraph 2
Performing debt collection activities, including collecting and selling debts.	Personal data and contact information, information about goods and / or services, financial information, information about the interaction between you and Klarna and information about the interaction between you and stores.	Klarna and other parties (mainly customers) have a legitimate interest in the risk management of Klarna’s business services e.g. to control fraud risks. We ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose Klarna also has a legal obligation to identify its customers.

Product improvement and research

Anonymizing your personal data for product development to analyze customer behavior.	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.	Klarna has a legitimate interest in anonymizing your personal data for product development purposes in order to analyze customer behavior. We will ensure that the processing carried out for this purpose is necessary to fulfil our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Performing data analysis for product improvement and product testing (e.g., to improve risk and fraud models)	Personal data and contact information, payment information, information about goods and/or services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external PEP and Sanctions lists, and service-specific information.	Klarna has a legitimate interest in performing data analysis for product improvement and product testing. We will ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Enabling internal research and statistical modeling.	Enabling internal research and statistical modeling.	Klarna has a legitimate interest in enabling internal research and statistical modeling. We will ensure that the processing carried out for this purpose is necessary to fulfill our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
Enabling external research, for example by universities or other educational institutions.	Enabling external research, for example by universities or other educational institutions.	Klarna has a legitimate interest in enabling external research and contributes to the public interest of society in supporting research. We will ensure that processing carried out for this purpose is necessary to fulfil our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.

Compliance and protecting Klarna from liability

Voldoen aan toepasselijke wet- en regelgeving zoals anti-witwas- en accountancywetten en de wettelijke vereisten inzake kapitaaltoereikendheid.	Persoonlijke gegevens en contactinformatie, betalingsinformatie, informatie over goederen en/of diensten, financiële informatie, informatie over de interactie tussen jou en Klarna, informatie over de interactie tussen jou en winkels, apparaatinformatie, informatie van externe PEP- en Sanctielijsten en servicespecifieke informatie.	Voldoen aan een wettelijke verplichting.
Het uitvoeren van screening tegen sanctielijsten en lijsten met zogeheten politiek prominente personen.	Het uitvoeren van screening tegen sanctielijsten en lijsten met zogeheten politiek prominente personen.	Voldoen aan een wettelijke verplichting.
Het beschermen van Klarna tegen juridische vorderingen (het beperken van de aansprakelijkheid) en het handhaven van Klarna’s wettelijke rechten.	Alle categorieën van persoonsgegevens onder paragraaf 2.	Klarna heeft een gerechtvaardigd belang bij het beschermen van zichzelf tegen juridische vorderingen en het handhaven van haar wettelijke rechten. Wij zorgen ervoor dat de verwerking die voor dit doel wordt uitgevoerd noodzakelijk is voor het vervullen van ons legitieme belang en dat ons belang zwaarder weegt dan jouw belang om je persoonsgegevens niet voor dit doel te laten verwerken.

For marketing purposes

To send marketing and offers regarding our Services to you. You can unsubscribe at any time by contacting us Use the contact details in section 13.	Personal data and contact information, information about the interaction between you and Klarna, information about the interaction between you and stores and service-specific information.	Personal data and contact information, information about the interaction between you and Klarna, information about the interaction between you and stores and service-specific information.
To determine what marketing we send you. This processing also stops when you opt out of receiving marketing.	To determine what marketing we send you. This processing also stops when you opt out of receiving marketing.	Klarna has a legitimate interest in determining what marketing we send you. We will ensure that the processing carried out for this purpose is necessary to fulfil our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.
To provide sponsored links to store products and services.	To provide sponsored links to store products and services.	Klarna has a legitimate interest in placing sponsored links to promote our stores in the Klarna App and our website. We will ensure that the processing carried out for this purpose is necessary to fulfil our legitimate interest and that our interest outweighs your interest in not having your personal data processed for this purpose.

4. Processing of personal data for certain Services

This section describes the processing of personal data for certain Services. To learn more about these Services, and their features, please refer to the terms and conditions of the relevant Service.

4.1 Klarna’s credit services

The following Services consist of the provision of credit by us to you: Pay Later (Invoice), Pay Now (only in the case of Direct Debit), Financing, Klarna Card and the Single Use Card (available in the Klarna App). To be able to offer these services, we assess your creditworthiness, based on the contact details and personal information you provide, information about interactions between you and Klarna and financial information. The financial information includes externally obtained information from trade information agencies, such as income and payment endorsements (for more information on trade information agencies see section 7).

The Klarna Card and the single-use card

If you apply for the Klarna Card or the single-use card, Klarna will assess your creditworthiness in the same way as for our other credit services. In case of the Klarna Card, Klarna will continuously update the credit rating based on your interactions with Klarna.

We share information about you and the purchases you make when using Klarna Card with VISA and members of the VISA payment network to the extent necessary to process your card transaction, prevent fraud and follow applicable rules. If you renew your Klarna Card or receive a new one, we will transfer this information to VISA so that VISA can inform its partners with whom you have stored your card details (e.g. in case of recurring transactions).

If you add your Klarna Card to a digital wallet, we will share your information with the provider of the digital wallet in accordance with that provider’s privacy statement.

4.2 Offers and invitations on social media

If you have clicked on one of our advertisements or events posted on a third party social media website, we may obtain your contact information as you have it in your user profile on the relevant platform (such as name, email address and phone number and other relevant business information such as name and address of your company and the industry in which you are employed). We use this information to provide you with the requested Service and to send you marketing and offers related to our Services. You can always opt out of this by contacting us. Please see section 13.

4.3 The Klarna accounts (savings and checking accounts)

If you have a Klarna account, Klarna also processes information about your transactions and balances. When you make transactions or payments to other accounts, Klarna shares your name and account number with the recipient and the recipient’s financial institution.

If you have made a payment to a Klarna account, Klarna will process the information it receives from the bank you used for the transaction, such as your name and account number.

4.4 The Klarna user experience provided under the Terms of use of Klarna Services

In order to provide a smooth user experience, both before and after your purchase, we offer the Services described below and more specifically in the Terms of Use of Klarna Services. The use of these Services involves the following processing of your personal data:

Historical transactions

We store information about the goods/services that you purchase through our Services or otherwise provide us access to in order to display this information to you.

Preference for filling in your details

Auto-fulfillment of your information can occur in two ways – through your interaction and through a cookie.

Autocomplete through your interaction

When you use the Services, we may ask for your personal information and contact details, such as name, address, telephone number, email, date of birth or national identification number, as well as other information if applicable. We store this information in our systems, and when you return to us or use our Services, you only need to provide some information such as phone number, email, zip code or national ID number (depending on the country), so that we can automatically fill the other fields with the rest of the information.

Autofill by a cookie

Another method we can use to automatically fill in your data is to place cookies on your device (computer, tablet, cell phone, etc.), which gives you the opportunity to choose to store information such as name, address, phone number, e-mail, date of birth or national identification number and card details with Klarna. If you do so, we will use the cookie to retrieve that data from Klarna when you use our Services on the same device. We will autocomplete your information when you interact with Klarna.

Deactivation of autocomplete

If you do not want to use the automatic completion feature you can contact us to change your settings. You can also change your settings in the Klarna app or directly during the purchase process in a store. At any time you can delete all cookies on your device, which will also delete our cookie.

Pre-selected preferred payment methods

Klarna can pre-select the payment method that we think is best for you. This processing and display will not affect the payment methods available to you. For this assessment Klarna processes information about the interaction between you and Klarna, such as information about your previously selected payment methods, purchase amounts and store. This processing is profiling. See section 6 for more information on profiling.

Offers and benefits

In order to provide you with benefits such as discounts, special events, early access to products, discount promotions, offers from merchants, samples, giveaways etc., we will look at information about interactions between you and Klarna (such as the number of purchases under a certain period) and your contact information and personal data . This may involve profiling. See section 6 for more information on profiling.

The information forms the basis for Klarna’s marketing and customer analysis, business and method development and statistics.

Within the program of offers and benefits, Klarna and Klarna’s suppliers and subcontractors (on behalf of Klarna) may use this information to communicate with you and offer offers and benefits through physical mail, text messages, e-mail, social media and other digital channels. Klarna and its suppliers and subcontractors will not use direct marketing channels (e.g. email or text messages) for this purpose if you have opted out of direct marketing. (Or if you have not given your consent for direct marketing but it is required by law in your country).

You can unsubscribe from offers and benefits via a link in an email from us, or by contacting us. You can find our contact information in section 13.

The Klarna App

If you use the Klarna App, additional personal data will be processed (for example, data you have entered yourself based on your consent) in order to offer the Services you choose to use in the Klarna App as set out below. In addition, if you choose to redeem a reward or participate in a specific offer, the provider of such offers will be able to detect that you are using Klarna Services. Personalization of content involves profiling which you can read more about in section 6, profiling is an integral part of the Klarna App as an online shopping assistant.

Personalized items and ads: you may see personalized items and ads based on your previous purchases, contact and identification information, information about goods or services, information about the interaction between you and Klarna, and information about the interaction between you and stores, device information and service-specific information.
Sponsored links: if you click on a sponsored link that promotes a product or service from a store, you will be directed to the store’s website through a third party called an “affiliate network” (explained further in section 7.14). The affiliate network may be able to place tracking technology on your device that contains information from what you have clicked on a sponsored link in the Klarna App, which is then used to track your visit to a store in order to calculate a potential commission for Klarna.
Personalized Klarna overview: an overview will be displayed, where you can view the status of your Klarna purchases and your purchase history, access any refunds and arrange and renew payment terms.
Compiled shopping collection:

if you have shared information with us about which topics, products or services you are interested in, we will use this information to provide you with a personalized shopping collection, where you can find the products and services that have been compiled according to your interests.
Delivery and tracking of packages: in some cases you can track the route of your package.

Possibility to “follow” stores: if you choose to “follow” a store, you will receive information about the campaigns connected with that store. Klarna will then automatically evaluate whether your purchases are entitled to discounts or other offers within the ongoing campaign of that store.
Credit services: we can offer you credit based on previous purchases.
Shop with the one-time payment card: shopping via the Klarna App is a way to use Klarna’s payment methods in almost any store by using a one-time payment card. When you use the one-time payment card, Klarna collects information about your purchases and displays it in the app.
Customer service: when you use our customer service through, or in connection with, the Klarna App, we will have access to the information you provide to us.
E-mail Connect: if you have connected your e-mail account to Klarna’s E-mail Connect service, Klarna will regularly access your e-mail account and extract purchase related information such as tracking IDs and other information about goods and services and your interactions with stores in order to include it in the Klarna App. You can disable this service at any time and Klarna will no longer have access to your email account.
Store locator: you can choose to share your location with us. In that case you give us permission to use this information so we can show you stores in your area. You can withdraw your consent at any time by turning off location sharing on your device. Klarna will not store your location after showing you the stores in your vicinity.
The in-app web browser: The Klarna app contains a web browser that allows you to access store websites and online stores so that you can then shop with Klarna’s payment methods, including those that do not yet use our payment methods. Klarna collects information about how you use the browser so that we can alert you to relevant deals and offers. In addition, websites you visit may place their own cookies or other tracking technologies on your device.
Visual search: You can choose to upload pictures of products, by taking a picture of the product in question or by choosing a picture from your phone’s library, we will then try to find similar products to show you.
Wish List: You can choose to add products and services in the Klarna App to your Wish List so that you can find them later, or keep an eye on their prices. You can also share your Wish List with others, such as friends and family, where they can see your profile picture and profile name. In some cases, if you are logged into a store’s website, links to a product or service that you have added to your Wishlist may contain personal information about you, such as your e-mail address.
Your linked bank accounts (the Personal Finance Service): Through this service you will get an overview of your finances, including transactions with Klarna, but also your linked bank accounts. When you choose to use this Service, Klarna will process information about the external bank accounts and other accounts (such as credit card accounts) that you choose to link and will collect personal data such as account number, bank, historical transactions on the account and available balance and other assets. Based on this data, Klarna will visualize your finances and provide you with tools to control your finances through offers relevant to your specific situation (based on profiling, as explained in section 6). This is done by comparing expenses with those of other users of the Service. Based on this comparison, we, together with our partners, can offer ways to minimize your fixed and variable expenses
Profile picture: You may choose to upload a profile picture in the Klarna App, in which case this picture may be displayed in different Klarna interfaces (e.g. in Klarna’s checkout of a store, or in the Klarna App). Klarna’s interfaces can also be embedded in the stores’ apps. The picture may also be shown to others if you share your device with others (while using autofilll through cookies), or if you choose to share the content of your Klarna App with others. You can delete your picture at any time in the App or by contacting us.

5. Withdrawal of consent

Where we process your personal data on the basis of consent or explicit consent (for example, in connection with the submission of a power of attorney, the submission of additional information indicating that you are a vulnerable customer, or in the event that you upload special categories of personal data to our Services), you may withdraw this consent by deleting your data in the Klarna App or by contacting us. Withdrawing this consent will not lead to any disadvantage for you, as we do not need this kind of information to provide our Services.

6. Profiling by Klarna and automated decision-making

“Profiling” means the automated processing of personal data in order to evaluate certain personal aspects that relate to you, for example, to analyze or predict aspects of your financial situation or your preferences, such as purchasing interests. We use profiling based on personal data we have about you to make individual or automated decisions, for the following purposes:

Decisions without legal effect and which do not significantly affect you in a similar way

Klarna makes the following decisions without legal effect or consequences that would significantly affect you in a similar way;

predict which marketing content would be of interest to you. You can always object and opt out of such marketing and profiling by contacting us.For more information on processing personal data for marketing see section 3 below;
decide which loyalty bonuses suit you (see section 4.4 for more information);
decide on the most appropriate way to contact you about outstanding debts (see section 3 for more information);
decide what content to display in your Klarna App. See section 4.4 for more information.
decide in which order different payment options will be presented in the checkout of a store that uses Klarna.

In addition, some of our Services, such as when you link bank accounts and similar accounts in our Klarna App, use profiling to provide you with the applicable Service. An example is to provide you with financial insights relevant to you or to select which offers we provide, in accordance with the terms of the Service.

Decisions having legal effect or significantly affecting you in a similar way

“Automated decision-making, which produces legal effects or significantly affects you in a similar way” means that certain decisions regarding our Services are based solely on automated means, without any interaction from any of our employees. These decisions have a significant impact on you as a consumer that is comparable to a legal consequence. Through such automated assessment, we increase the objectivity and transparency of decision-making in offering these Services.

We use this type of automated decision-making when we:

decide not to make you an offer for our credit services.
decide to approve your application to use a credit service.
decide to reject your application to use a credit service.
decide whether you represent a risk of fraud or money laundering if our processing reveals that your behavior shows signs of money laundering, is fraudulent, that your behavior is not consistent with prior statements or if you appear to have intentionally concealed your true identity. In certain cases, Klarna will also check whether or not a specific customer is on a so-called sanctions list.

See Section 3 for more information on the types of personal data processed for these purposes.

You always have the right to object to an automated decision having legal effects or similarly significantly affecting you (together with the associated profiling) by contacting us at the email address mentioned in paragraph 13. A Klarna representative will then look into your case.

7. With whom may we share your personal data?

We may share your personal data with the categories of recipients listed below, for the purposes listed below. The exact recipients with whom we share your personal data and for what purposes will depend on the Services you use. In doing so, we take all reasonable contractual, legal, technical and organizational measures to ensure that your personal data is treated with an adequate level of protection.

7.1 Suppliers and subcontractors

Klarna may share personal data with suppliers and subcontractors that we use to deliver the Services to you. Suppliers and subcontractors are companies that are only entitled to process the personal data they receive from Klarna on behalf of Klarna. Examples of such suppliers and subcontractors are software and data storage providers, payment processing service providers and business consultants.

7.2 Retail stores

Klarna shares personal data with the store you visit or where you make a purchase (these can also be companies affiliated with the stores if you are informed about them by the store). This is done to allow the store to fulfill and manage your purchase and your relationship with the store or its affiliated company, for example to verify your identity, send you the goods, manage queries and disputes, send you relevant marketing and also to prevent fraud. Personal data shared with a store is subject to the store’s privacy statement and policy.

7.3 Payment Service Providers, Account Information Services and Financial Institutions

7.3.1 Payment service providers (“PSPs”) and financial institutions

Payment service providers provide stores and Klarna with services for accepting and processing electronic payments through different payment methods, including credit cards, bank payments such as direct debits, bank transfers, etc. Some stores use PSPs with whom they share your information for payment processing. They do this in accordance with the stores’ privacy notices. The stores may also, for payment administration purposes, require us to share your information with PSPs. Some PSPs also collect and use your information independently in accordance with their own privacy notices. This is for example the case if you use a digital wallet.

In addition, Klarna may share your information with other financial institutions in order to carry out the transactions you make with your account.

7.3.2 Account information services (“AIS”) and financial institutions

When you use Klarna’s payment methods, Klarna may use fraud prevention tools to verify your identity, such as Bank Login, where Klarna uses AIS to collect and review information from your online bank. Klarna is the provider of AIS to you and in relation to your bank. When you log in to your online bank account using AIS, Klarna collects the necessary data to perform the assessment. When you use the Bank Login service, Klarna never stores your actual user data (such as Bank ID, PIN and TAN). Instead, this data is provided directly to your bank when you access it, using an encrypted connection that complies with the relevant banking standards for public and private keys.

7.4 Commercial information agencies

If you apply for credit (see Section 4.1 above for a specification of our credit services), your personal data may be shared with trade information agencies, in order to assess your creditworthiness in connection with your application, to confirm your identity and contact details and to protect you and other customers against fraud. The sharing of this information qualifies as a credit check.

In the Netherlands Klarna shares your name, address and telephone number with trade information agencies so that the credit assessment can be carried out. This credit check does not affect your credit rating.

The credit reference agencies will process your information in line with their own privacy statement and you can find out which agencies we work with here.

In addition, if you have signed up for Financing: Klarna will share your name, date of birth, address, in some cases email address, information about your financing debt and information about repayments (including late repayments) related to that debt with the Dutch Credit Registration Office (BKR), in line with Dutch financial legislation. The information shared with BKR may affect your future creditworthiness and ability to take out credit.

Please note that Klarna only has the credit rating we receive from a commercial information bureau, only in a script data format. This means that it is best to request a copy of the assessment from the commercial information bureau if you want to see a readable version.

7.5 Fraud prevention and identity verification services

Your personal data may be shared with companies that provide fraud prevention services to verify your identity and the accuracy of the information you have provided to us and to prevent criminal activity. The companies we work with in the Netherlands are listed here. Please note that these companies will process your data in accordance with their own privacy notices.

7.6 Klarna Group

Your information may be shared with companies within the Klarna Group, based on the pursuit of the legitimate interest of Klarna’s business operations.

7.7 Social media companies

If you contact us through social media platforms such as Facebook or Twitter, your data will be stored and processed by these companies in accordance with their privacy notices.

7.8 A person with power of attorney over your actions

Klarna will share your data with a person who has a power of attorney to receive your personal data. The data will be shared based on your consent.

7.9 Google

If you use Google Maps at checkout (e.g. to look up your address in the address field) or the Klarna App, Google will process your data in accordance with Google Maps’/Google Earth’s terms of service and privacy policy. When you use the Klarna App via a web browser, Google also collects your device information through the reCAPTCHA service implemented in the web browser. Sometimes this is done in combination with information you enter in the reCAPTCHA service. Google processes this information in line with its own privacy policy. Klarna processes this data on the basis of its legitimate interest in the operation of its business, since the reCAPTCHA service prevents misuse of our services.

7.10 Authorities

Klarna may disclose necessary information to authorities such as police, tax authorities or other authorities if we are legally obliged to do so, or under certain circumstances if you have requested us to do so or if this is required for the application of tax deductions. An example of a legally required disclosure is for the purpose of combating money laundering or countering the financing of terrorism.

7.11 Logistic companies

Klarna may share your information with logistics companies that deliver the goods you ordered, if you have chosen to track the packages. Examples of information we share are contact information and personal data and tracking number. Please note that the logistics companies process your data in accordance with their own privacy notices.

7.12 Partners within the Personal Finance Service and the Offers and Benefits Program

Klarna may share your information when selling unpaid debts or when commissioning third parties to collect such debts, for example collection agencies. The sharing of personal data then occurs based on a legitimate interest of debt collection and sales. The collection agencies process your data in accordance with their own privacy policy or as a processor of Klarna. The collection agencies may also share information about your unpaid debt with trade information agencies, which may affect your credit rating and ability to take out credit in the future.

7.13 Collection agencies and other debt collectors

Klarna may share your information when selling unpaid debts or when commissioning debt collection to third parties, such as debt collection agencies. The sharing of personal data then occurs based on a legitimate interest of collecting and selling debts. The collection agencies or other debt collectors process your data in accordance with their own privacy policies or as a processor of Klarna. The collection agencies or other debt collectors may also share information about your unpaid debt with trade information agencies, which may affect your credit rating and ability to take out credit in the future.

7.14 Affiliated networks

Klarna may share information about the fact that you have clicked on a sponsored link (i.e. links that promote products or services of merchants) with so-called “affiliate networks”. This information is shared when you click on a sponsored link and are redirected to the store’s website by the “affiliate network”. The affiliate network may place a tracking technology on your device that includes the fact that you clicked on a sponsored link through one of Klarna’s applications so that your visit to a store can be tracked to calculate a potential commission for Klarna. The affiliated networks may process your personal data in line with their own privacy statements.

7.15 Disposal

In the event that Klarna sells or buys claims, businesses or assets, Klarna may share your personal data with the prospective seller or buyer of such claims, businesses or assets.
If Klarna substantially all of its assets are acquired by a third party, personal data about Klarna’s customers may be shared.

8. Where do we process your personal data?

We always aim to process your personal data within the EU/EEA. However, in certain situations, such as when we share personal data with a company, supplier or subcontractor of the Klarna Group located outside the EU/EEA, your personal data may be transferred to and processed in a destination outside the EU/EEA. If the store where you store is located outside the EU/EEA, sharing your personal data with the store also means that your data will be processed outside the EU/EEA.

We ensure that an adequate level of protection is maintained and that proper processing of personal data is adequately ensured in accordance with applicable data protection laws, such as the AVG, when we process your data outside the EU/EEA. These safeguards consist of the third country or state in question being subject to a decision by the European Commission to declare the level of protection adequate or to implement the European Commission’s standard contractual clauses.

9. How long do we process your personal data?

We will process your personal data for the period necessary for certain purposes of our processing These purposes are described in this privacy notice. This means that even if we stop processing your personal data for one purpose, we will keep your personal data if it still needs to be processed for another purpose, using it only for that other purpose. In particular:

As long as you have accepted our Terms for the use of Klarna Services, until you terminate these terms (by contacting us or instructing us to delete data through, for example, a data erasure request), we will process the personal data we need to provide the Services to you, including, but not limited to, data related to your previous purchases.
We process personal data contained in credit reports for the purposes of new credit reports for a period of 90 days from the date the request is made.
We process personal data relating to debt for the purposes of new credit reviews for a period of three (3) years after the conclusion of the debt – through payment of the debt, with the debt being written off by Klarna or the sale of the debt by Klarna.
We process recordings of telephone calls for a period of 90 days after the recording date for quality purposes.
We process personal data for compliance with applicable laws, such as consumer rights, banking regulations, anti-money laundering and accounting. Depending on applicable laws, your personal data may be retained for up to ten years after the end of the customer relationship.

10. Your rights with respect to personal data

Right to information. You have the right to be informed about how we process your information. We do this by means of this privacy statement, other information on our website and by answering questions posed to us.
Right of access. You can request a copy of your data if you want to know what personal data we process about you. This copy of your personal data can also be provided in a machine-readable format (i.e. “data portability”).
Right to rectification. You have the right to correct incorrect or incomplete information about yourself.
Right to forget. You have the right to request the deletion of your personal data, for example when it is no longer needed for the purpose for which it was collected, or when you have withdrawn your consent. As described in more detail in Sections 3 and 9 above, we are also subject to certain legal obligations that prevent us from deleting some data immediately.
Right to restrict processing or right to object to processing. If you believe that your information is incorrect or that we are using your data unlawfully, you have the right to ask us to stop processing. You can also object to our processing if you believe that there are circumstances that make the processing unlawful. Furthermore, you can always object to our use of your data for direct marketing.
Right to object to an automated decision. You have the right to object to an automated decision taken by Klarna. See section 6 for more information on how Klarna uses automated decision-making.
Right to withdraw consent. As described in paragraph 5, you may withdraw your consent at any time when explicit consent is the basis for processing your data.
Right to lodge a complaint with a supervisory authority. You have the right to lodge a complaint with your national personal data supervisory authority or the Swedish Personal Data Protection Supervisory Authority (Datainspektionen). Complaints to the Swedish Data Protection Authority can be submitted via this link: https://www.datainspektionen.se/other-lang/in-english/.
Control over the settings of the services in the Klarna App. In the Klarna App you have the opportunity to adjust settings, for example whether you want to receive notifications or personalized marketing. We will always respect your choice.

11. What about cookies and other tracking technologies?

In order to deliver a customized and “smoooth” experience, we use cookies and similar tracking technologies in our online applications, such as our website, the Klarna App and the checkouts of stores that partner with Klarna. You can find more information about the tracking technologies we use and accept or reject the relevant tracking technologies in the relevant application.

12. Updates to this privacy statement

We are constantly working to improve our service offering so that you get an even better user experience. This includes both changes to existing Services and the introduction of new Services. It is therefore important that you read this privacy statement each time you use a Klarna Service as the processing of your personal data may have changed since you last used one of our Services.

13. Contact details.

Klarna Bank AB (publ) is registered in the Swedish Trade Register under the registration number 556737-0431 with our head office at Sveavägen 46, 111 34 Stockholm, Sweden.

Klarna has a data protection officer and a team of data protection specialists working exclusively with data protection and privacy. We also have a dedicated team within our customer service that deals with data protection. You can always reach them at dataprotectie@klarna.nl.

Klarna Bank AB (publ) is subject to the Swedish Data Protection Act. Visit www.klarna.com for more information about Klarna.