Last update Jan. 28, 2025
How to protect myself?
Follow these tips to ensure your privacy and security when using Klarna.
- Regularly update account passwords and review settings
- Monitor transaction history for unauthorized activities
- Understand Klarna's data sharing policies and adjust privacy settings accordingly
- Keep your app and devices updated with the latest security patches
How can I delete my data?
You can request data deletion by contacting Klarna's customer service, subject to regulatory obligations.
- Reach out to Klarna's customer support for data deletion
- Certain data may be retained for regulatory compliance
Historical privacy concerns
Klarna has maintained a relatively clean record concerning privacy; no major incidents are known.
- Regular audits and compliance with financial regulations
- No significant data breaches have been publicly recorded
What data are collected?
Klarna collects personal, financial, and transactional data to verify identity and process payments.
- Personal details such as name, email, and address
- Payment information like card details and bank accounts
- Transaction history and purchase behavior
How are my data used?
Klarna uses data to process payments, prevent fraud, and personalize marketing efforts.
- To verify identity and facilitate transactions
- To conduct risk analysis and fraud prevention
- To offer personalized marketing and credit offers
What happens when I sign up?
Upon sign-up, Klarna requires personal information and consent to access credit information if applicable.
- Input of personal and payment information is required
- Consent might be needed for credit checks, where applicable
How does AI personalize my experience?
AI helps personalize shopping and payment experiences by suggesting offers and managing account preferences.
- Personalized shopping recommendations and offers
- Adaptive credit limits based on user behavior and credit history
Is my data used to train AI models?
Klarna may use anonymized transaction data to train AI models for improved services.
- Anonymized data used for developing fraud detection algorithms
- No personal data is used directly without consent
Does this service use AI?
Klarna uses AI for fraud detection and credit assessment to enhance transaction security.
- AI models analyze transaction patterns for fraud prevention
- Creditworthiness assessments powered by machine learning
How does this service handle government data requests?
Klarna complies with lawful government data requests, ensuring user privacy is protected unless legally required.
- Responds only to valid legal requests
- Transparency reports published where feasible
- User notification, unless prohibited by law
How is my data protected from breaches?
Klarna implements encryption and access controls to prevent unauthorized access to data.
- Data encryption in transit and at rest
- Role-based access control within the company
- Regular security training and incident response plans
What security standards does this service use?
Klarna employs robust security measures to protect financial data and adhere to industry standards.
- PCI DSS compliance for payment data security
- Encryption of sensitive data and regular security audits
- Secure user authentication processes