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Terms and Conditions

Kestakon Limited Terms and Conditions of Use
The use of services provided by Kestakon Limited establishes agreement to these terms. By registering or using these services you agree that you have read and fully understood the following Terms of Service of this agreement.
DEFINITIONS
Parties
“You” and “your” refer to you, as a user of the Site. A “user” is someone who accesses, browses, crawls, scrapes, or in any way uses the Site. “We,” “us,” and “our” refer to Kestakon Limited.
Content
“Content” means text, images, photos, audio, video, location data, and all other forms of data or communication. “Your Content” means Content that you submit or transmit to, through, or in connection with the Site, such as ratings, reviews, compliments, invitations, check-ins, messages, and information that you publicly display or displayed in your account profile. “User Content” means Content that users submit or transmit to, through, or in connection with the Site. “Kestakon Limited Content” means Content that we create and make available in connection with the Site. “Third Party Content” means Content that originates from parties other than Kestakon Limited or its users, which is made available in connection with the Site. “Site Content” means all of the Content that is made available in connection with the Site, including Your Content, User Content, Third Party Content, and Kestakon Limited Content.
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Disclaimer
The materials on Kestakon Limited web site are provided “as shown”. Kestakon Limited makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Kestakon Limited does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its internet web site or otherwise relating to such materials or on any sites linked to this site.
3. Limitations
In no event shall Kestakon Limited or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on our internet site or offered services, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
4. Revisions and Errors
The materials appearing on our web site could include technical, typographical, or photographic errors. Kestakon Limited does not warrant that any of the materials on its web site are accurate, complete, or current. We may make changes to the materials contained on its web site at any time without notice.
5. Links
Kestakon Limited has not reviewed all of the sites linked to its internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by us of the site. Use of any such linked web site is at the user’s own risk.
6. Site Terms of Use Modifications
We may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
7. Governing Law
Any claim relating to Kestakon Limited web site shall be governed by the laws of the country of note without regard to its conflict of law provisions.
8. English Language
In the event of a conflict between these Terms and a foreign language version of our Terms of Use, the English language version of these Terms governs. All disputes, claims and causes of action (and related proceedings) will be communicated in English.
9. Copyright policy, notice and claim information
All materials on this site, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as well as all copyright, patent, trademark, trade dress, and other rights therein, are owned or licensed by Kestakon Limited and its third-party information providers, and are protected by UK and international intellectual property laws.

Privacy statement

1. WHAT DO WE DO WITH YOUR INFORMATION?

The Kestakon Limited will be what’s known as the “Controller” of the personal data you provide to us.

When you purchase something from our store, as part of the buying and selling process, we collect the personal information you give us such as your name, address and email address.

When you browse our store, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

Email marketing (if axpplicable): With your permission, we may send you emails about our store, new products and other updates.

2. CONSENT

When you provide us with personal information to create an account, place an order, arrange for a delivery or return a purchase, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, on your account page by using our contact us form or by contacting us at k.stamatakos@kestakon.co.uk.

3. DISCLOSURE

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

4. PAYMENTS

We use a third party payment processor(s) to process payments made to us. In connection with the processing of such payments, we do not retain any personally identifiable information or any financial information such as credit card numbers. 

5. THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

In particular, remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

As an example, if you are located in Canada and your transaction is processed by a payment gateway located in the United States, then your personal information used in completing that transaction may be subject to disclosure under United States legislation, including the Patriot Act.

Once you leave our store’s website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.

Links

When you click on links on our store, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

6. SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

All the personal data we process is processed by our staff in the United Kingdom however for the purposes of IT hosting and maintenance this information is located on servers within the USA on a secure server behind a firewall. No 3rd parties have access to your personal data unless the law allows them to do so.

We have a Data Protection regime in place to oversee the effective and secure processing of your personal data.

Cookies

Here is a list of cookies that we use. We’ve listed them here so you can choose if you want to opt-out of cookies or not.

xid - unique token, sessional.

recent_login - stores your username to auto-complete the sign-in form next time you visit the store. Persistent for 3 days by default (can be changed by store’s admin).

viewedResources - holds a list of cached CSS files, this is used to make store’s pages loading faster. Persistent for 1 hour.

rv - holds a list of products you recently viewed in the store. Does not expire.

xc_np_product_#### - holds product identifiers, used to navigate within store’s catalog. Persistent for 30 minutes

7. AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

8. CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our store is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products to you.

9. QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Data Protection Officer at k.stamatakos@kestakon.co.uk.

 

 

Klarna’s Privacy Notice

 

We at Klarna care about your privacy. Therefore, we always collect and process your personal data responsibly and with your privacy in mind. This Privacy Notice describes how Klarna Bank AB (publ) (“Klarna”) collects and uses your personal data when you use any of Klarna’s services (the “Services”) and become a customer of ours. Examples of use of our Services are when you pay with any of our payment methods, when you contact us, when you use the Klarna web portal and mobile application (the “Klarna App”), or when your information is autofilled in the checkout of a store that uses Klarna. This Privacy Notice also describes your rights in relation to our use of your personal data, and how to exercise those rights.
 

This Privacy Notice applies, except for what is stated in Section 1 below, to all personal data that Klarna processes. It is therefore important that you read and understand this Privacy Notice. 
 

Some of our Services will provide you access to content and functionality offered by other companies or organizations than Klarna (“Third Party Services”). This is for example the case when we link to third party sites from our websites, and when you access third party sites while using the web browser in the Klarna App. This Privacy Notice does not apply to the collection and use of your personal data in Third Party Services, and Klarna is not responsible for such third parties’ processing of your personal data.
 

"We", "our" or "us" means Klarna Bank AB (publ) registered with the Swedish companies register under the registration number 556737-0431 and with our main office located at Sveavägen 46, 111 34 Stockholm, Sweden. For the purposes of EU data protection law, we are a data controller in respect of the personal data we receive from you, or otherwise collect about you, and we are responsible for ensuring that we use your personal data in compliance with applicable data protection laws.
 

1. Other Klarna privacy notices

The services Klarna Ident and Klarna Open Banking use your personal data in accordance with what is stated in those Services’ separate privacy notices, which are presented to you when you use those services. Those separate notices apply instead of the information given here. Separate privacy notices may also apply for specific campaigns or offers which are temporarily available. If so, such separate privacy notices are presented in connection with the campaign or offer.

If you are employed by Klarna, a candidate applying for a job at Klarna, or an employee of a store that cooperates with Klarna, other privacy notices apply to Klarna’s processing of your personal data for these purposes, and you will be provided the relevant information in connection to your contact with Klarna. Contact us using the information in Section 13 below if you want a copy of the relevant privacy notice. 
 

2. What information do we use?

2.1 Information you give us 

You may 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. Please note that you are only allowed to provide your own personal data when using the Services, for the Services to be provided correctly.

Depending on which Service you choose to use, this personal data will be:

  • Contact- and identification information – name, date of birth, national ID number, title, billing and shipping address, email address, mobile phone number, nationality, salary, employment and employment history, audio recordings, photos and video recordings of you and your ID card etc.

  • Payment information – credit and debit card data (card number, validity date, and CVV code), bank account number, etc.

  • Special categories of data  you may, at your sole discretion, choose to provide us information about you which constitutes “special categories” of personal data according to EU Regulation 2016/679 (the “GDPR”), including e.g. data revealing religious, political or philosophical beliefs, trade union membership, or data concerning health, biometric data, sex life or sexual orientation. We will never require this type of data from you in order to provide you with our Services. Providing us with this information will be strictly voluntary and based on your explicit consent. Please see Section 5 for information about how you can revoke your consent.

You can at any time change your profile information such as your contact information and other editable settings. This can be done either in the Klarna App or by contacting us.

 

2.2 Information we collect about you 

Depending on which Services you choose to use, we may collect the following information about you, either ourselves or via third parties (for example credit and fraud prevention agencies, stores, or public databases):

  • Contact- and identification information – name, date of birth, national ID number, title, occupation, gender, billing and shipping address, email address, mobile phone number, nationality, audio recordings, photos and video recordings of you and your ID card etc.

  • Information on goods/services – details about the goods/services you purchase or order, including for example type of goods or shipment tracking number.

  • Financial information – financial information collected from third parties such as your income, potential credit commitments, negative payment remarks, previous payment- and credit acceptances.

  • Information about the interaction between you and Klarna – how you use the Services, including information on outstanding and historical debts and your repayment history with Klarna; technical data such as page response times, download errors, personal preferences; your interactions with the Klarna customer service, etc.

  • Recorded telephone conversations – we record telephone conversations if you call our customer service, and sometimes when we call you, if we inform you about this at the start of the call.

  • Information about the interaction between you and stores - your dealings with stores you visit or shop with, such as information about whether you have received the goods, and type of store.

  • Device information – e.g. IP address, language settings, browser settings, time zone settings, operating system and platform and screen resolution. To learn more about how we may collect information from your device, or store information on your device, please see Section 11 below.

  • Information from external sanction lists and PEP lists – we may screen your information against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons. These lists include information such as name, date of birth, place of birth, occupation or position and reason for being listed.

  • Service-specific information – in order to provide you with some of our Services we may collect and process additional personal data that is not covered by the above categories. Please see Section 4 below in order to find out which additional personal data is processed for the respective Service.
     

3. What personal data do we process, for what purpose, and why is it lawful for us to do so?
 

Depending on which Services you use, Klarna may process your personal data for the purposes listed below, based on the legal bases stated for each respective purpose. You can find more specific information about how we process your data in some of our Services in Section 4 below.

Processing in order to provide the Services

Purpose of the processing

Personal data

Legal basis for the processing

Administer the customer relationship with you in different ways, for example to process your payment or carry out our obligations arising from credit contracts entered into between you and us.


 

Contact- and identification information, payment information, information on goods/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.

Fulfil contractual obligations.

Create and send information to you in electronic format (non-marketing).

Contact- and identification information, payment information, information on goods/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.

Fulfil contractual obligations.

Assess which is the most suitable way to contact you to inform you about outstanding debts.

Contact- and identification information, financial information (if we have this available) and information about the interaction between you and Klarna.

Klarna has a legitimate interest in being able to contact you in the most effective way. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

Assess in which order different payment methods should be presented to you in the checkout of a store that uses Klarna. This processing and presentation do not, however, affect which payment methods are available to you.

 

You can opt out from this at any time by contacting us using the contact details below.

 

This processing constitutes profiling. Please see Section 6 for more information on profiling.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

If you have accepted the Klarna Services Terms outlined in Section 4.4, the applicable legal basis is to fulfil contractual obligations.

 

However, if you have not accepted those terms, Klarna base this processing on legitimate interest, as Klarna (and you as a customer) have a legitimate interest in having your preferred way of paying presented in a prominent position in the checkout. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

Conduct customer satisfaction surveys regarding our Services (for example after you have contacted Klarna’s customer service) via email, sms, phone, or through other means.

 

You can object to this at any time. You will also be informed about your right to opt-out from these communications every time your email or phone number is used for this purpose.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

Klarna has a legitimate interest in conducting customer satisfaction surveys.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 




 

Carry out credit assessment before granting credit (Please see Section 4.1 on Klarna’s credit Services and Section 7.4 regarding how we cooperate with credit reference agencies).

Contact- and identification information, financial information and information about the interaction between you and Klarna.

Comply with laws, when the credit we provide is regulated by law. In cases when the credit is not regulated by law, the processing is done to fulfil contractual obligations.

Prevent IT attacks (for example DDoS attacks) toward Klarna’s Services, as part of our efforts to keep our Services safe and secure.

Contact- and identification information, information about the interaction between you and Klarna, information about the interaction between you and stores, as well as device information.

Klarna has a legitimate interest in keeping our Services safe and secure.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To be able to treat you as a vulnerable customer (if you due to personal circumstances are in a vulnerable position).

Contact- and identification information, information about the interaction between you and Klarna, and special categories of personal data.

Based on your consent.

Improve our Services, training and quality assurance, as well as documenting what has been discussed and decided between you and Klarna’s customer service.

Recorded telephone conversations.

Klarna has a legitimate interest in improving our Services, and in conducting training and quality assurance.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.


 

Transfer your data to stores, suppliers and other recipients. (Please see Section 7 for more information on how we share your data and why).

All of the personal data categories under Section 2.

Varies depending on recipients, see more in Section 7. For example, Klarna has a legitimate interest to use suppliers to provide its Services, and we may have legal obligations to share data with authorities. Data sharing with payment service providers is necessary to carry out the payment contract with you.

Carry out risk analysis, fraud prevention and risk management (for example through verifying your identity, and carry out checks with fraud prevention agencies and similar agencies).

 

Please see Section 7 for a more detailed description of the fraud prevention companies we cooperate with.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, special categories of personal data and device information.

Klarna and other parties (foremost our customers) have a legitimate interest in risk management of Klarna’s business, for example handling fraud risks. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Klarna also has legal obligations to establish its customers’ identities.

 

Special categories of data are processed based on your explicit consent.

Perform debt collection services, i.e. to collect and sell debt.

Contact- and identification information, information on goods/services, financial information, information about the interaction between you and Klarna and information about the interaction between you and the stores.

Klarna has a legitimate interest in collecting and selling debt.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Product improvement and research

 

Anonymise your personal data for product development in order to analyse customer behaviour.

Contact- and identification information, payment information, information on goods/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 anonymising your personal data for product development in order to analyse customer behaviour.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 


 

Perform data analysis for product improvement and product testing (for example to improve risk- and fraud models).

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Klarna has a legitimate interest in performing data analysis for product improvement and product testing. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 



 

Enable internal research and creation of statistical models.

Contact- and identification information, payment information, information on goods/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 enabling internal research and to create statistical models.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

 

Enable external research, for example by universities or other bodies. 

Contact- and identification information, payment information, information on goods/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 enabling external research, and contributing to the general interest of society to support research.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

Compliance and to protect Klarna from legal claims

 

Comply with applicable laws, such as anti-money laundering and bookkeeping laws, and regulatory capital adequacy requirements.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Comply with laws.

Perform screening against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons.

Contact- and identification information, information from external sanction lists and PEP lists.

Comply with laws.

Protect Klarna from legal claims, and enforce Klarna’s legal rights.

All of the personal data categories under Section 2.

Klarna has a legitimate interest in protecting itself from legal claims, and in enforcing its legal rights.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide marketing

To provide marketing and offers regarding our Services to you.

 

You may always opt out by contacting us, see Section 13.

Contact- and identification information, information about the interaction between you and Klarna, information about the interaction between you and stores, and service-specific information.

Klarna has a legitimate interest in providing marketing and offers to you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To decide which marketing to provide you. This processing also ceases when you opt out from receiving marketing.

Contact- and identification information, information on goods/services, 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 deciding which marketing to provide you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide links that are sponsored to products and services of stores.

Information about goods/services, 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 providing links that are sponsored to promote stores in the Klarna App and on our website.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

4. Service-specific processing of personal data in some of Klarna’s Services 

This Section sets out certain processing of your personal data which is specific for certain Services. To learn more about our Services, and their included features, please consult the terms and conditions of the respective Service.
 

4.1 Klarna’s credit Services

The following Services involve us giving you a credit: Pay later (invoice), Pay now (if it involves direct debit), Financing, as well as Klarna Card and the one time card (both available in the Klarna App). To provide these Services, we do a credit assessment of you. The credit assessment is based on contact- and identification information you have provided, information about the interaction between you and Klarna, and financial information. The financial information includes externally obtained information from credit reference agencies, such as income and payment remarks. You can read more about our use of credit reference agencies in Section 7.4 below.

 

The Klarna Card and one time card

When you apply for the Klarna Card and the one time card (available in the Klarna App), Klarna conducts a credit assessment of you, as we do for our other credit Services. If you have the Klarna Card, Klarna then continuously updates our credit assessment of you based on your interactions with Klarna.

We share information about you and the purchases you make when using the Klarna card with VISA and members of the VISA card network, as far as this is necessary to carry out the card transactions, prevent fraud, and follow applicable rules. If you renew your Klarna Card or receive a new one, we will transfer this information to VISA in order for VISA to inform third parties with whom you have stored your card details (for example for recurring transactions).

If you add your Klarna Card to a digital wallet, we may need to share your data with the digital wallet provider, in line with that provider’s privacy notice.

 

4.2 Offers and event invitations posted on social media

If you have clicked on one of our offers or event invitations posted on social media, we may get access to contact information which forms part of your profile (for example your name, email address, telephone number and other relevant business information such as the name of your employer, its address, and type of business). We use this information to supply you with the requested Service, and to supply you with marketing and offers about our Services. You can always opt out from this by contacting us, see Section 13.

 

4.3 The Klarna accounts (savings and payment accounts)

If you have a Klarna account, Klarna will also process information about your transactions and information about your funds. If you make transactions or payments to other accounts, Klarna will forward your name and account number to the recipient and the financial institution of the recipient.

Furthermore, if you have made payments into a Klarna account, Klarna will process information received from the bank you used for the transaction, such as your name and account number.

 

4.4 The Klarna user experience delivered under the Klarna Services Terms

To be able to deliver a smoooth user experience, both before and after you have done a purchase, Klarna offers the Services described below, and which are also described in more detail in the Klarna Services Terms. The use of these Services involves the following processing of your personal data: 

 

Historical transactions

We save information about the goods/services you purchase using our Services, or otherwise choose to give us access to, in order to display this information to you.

 

Autofill of your information.

Autofill of your information can be done in two ways – through your interaction and / or through a cookie:

Autofill through your interaction

When you use the Services, we may ask for your contact- and identification information, such as name, address, telephone number, email, birth date and/or national ID number, as well as other information as applicable. We will keep this information in our systems, and when you return to us or use our Services you will only need to provide some information such as phone number, email, zip-code, or national ID number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through cookie

An additional method we may use to autofill your information is by placing cookies on your device (computer, tablet, mobile phone, etc.), which enable you to choose to save your information such as name, address, telephone number, email, date of birth, national ID number, and card details with Klarna. If you do so, we then use the cookie to fetch those details from Klarna when you use our Services with the same device. We will then autofill your details when you interact with Klarna.

Deactivation of Autofill

If you don’t want to use the autofill functionalities you can contact us to adjust your settings. You can also adjust your settings in the Klarna App directly or in the purchase process at a store. You can at any given time delete cookies on your device, which will delete our cookies as well.

 

Preselected preferred payment methods

Klarna can assess which payment method is your preferred way of paying when shopping, and preselect this payment method for you. This processing and presentation does not, however, affect which payment methods are 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 amount(s) and store. This processing constitutes profiling. Please see Section 6 for more information on profiling. 
 

Offers and benefits

To be able to offer you benefits such as discounts, special events, pre-access to products, sales promotions, store offerings, sampling, giveaways, etc, we look at information about the interactions between you and Klarna (such as the number of purchases under a certain time period), your contact- and identification information, information on goods/services, and information about the interaction between you and stores. This may involve profiling. Please see Section 6 for more information on profiling.

The information will form the basis for Klarna’s marketing and customer analytics, business- and method development, as well as statistics.

Within the offers and benefits program, Klarna and Klarna’s suppliers and subcontractors (on Klarna’s behalf), may use this information to communicate with you and deliver offers and benefits, via physical mail, text messages, email, social media and other digital channels. Klarna and its suppliers and subcontractors will not use any direct marketing channel for this purpose (e.g. email or text-messages) if you have opted out from direct marketing (respectively if you have not opted in, if that is legally required in your country of residence).

You can opt out from offers and benefits either by deregistering using the link provided in each email from us, or by contacting us, see Section 13 below.

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