Conditions for the Klarna Shopping Service
These Terms constitute an agreement between Klarna Bank AB (publ.),
including its overseas affiliates, ("Klarna", "we", "us" or "our") and you ("you" and "your") when you use Klarna's services and features, as set out in these Terms, the may change from time to time (the "Services").
You sign up for the Services and enter into a contract with Klarna by accepting these Terms.
You understand that each time you use our Services, you are deemed to agree to the then current version of these Terms.
You can access the most current version of these Terms at any time via the Klarna App or our website.
You can also download the terms here.
Description of Services
For us, shopping isn't just about finding and paying for great stuff - it's also about enjoying a great shopping experience at your favorite store, a state-of-the-art app, and many other benefits.
In short: a smooth user experience, both before and after you have made your purchases.
These Terms explain in more detail what that means.
Please note that if you decide to pay with one of the payment methods offered by Klarna, additional conditions may apply to the payment method you have chosen.
1. Autofill and preferred settings
In order for you to have a smooth and seamless shopping experience, we will remember some information about you and use this information to automatically fill in various input fields with your information during your purchase.
This allows you to save time and focus on more important things than filling out the same information over and over again.
Let's explain in more detail how this works.
Autofill by entering limited information
When interacting with Klarna, we may ask for information about you, such as your name, address, phone number, email, date of birth or personal identification number.
We will store this information in our systems so that when you return to us or use our service you will only need to provide some of this information such as email and zip code or personal identification number (depending on the country) for us to fill in the rest of the fields automatically fill in with your other information.
Autofill by a Klarna cookie
Another way to automatically fill in your data is to place a Klarna cookie on your device (computer, tablet, mobile phone, etc.).
You can store your data such as name, address, telephone number, e-mail, date of birth and card details with Klarna.
If you do this, we use the cookie to automatically fill in this data when you shop with Klarna.
For more information about the use of cookies, see our statement on Klarna's use of tracking technologies in the eStore checkout.
Disable autofill
If you do not wish to use the autofill features, you can contact us and we will disable them.
You can also disable this in the Klarna app or by adjusting your Autofill settings during the checkout process.
You can delete all cookies on your device at any time, which will also delete our cookie.
Automatically fill out when shopping directly from the Klarna app
If you're shopping directly from the Klarna app, we can also automatically fill in your details on the page you're shopping on.
This is made possible because you are logged into the app and we know it is you who is shopping.
Pre-selection of preferred payment methods
To make your shopping experience even smoother, Klarna may pre-select what we believe to be your preferred payment method, based on your purchase history.
You can also access other forms of payment if you prefer to switch to a different form of payment than the one we have chosen.
2. Klarna App
The Klarna App, made available to you as an app or web portal, is your online shopping assistant, being your hub for all your Klarna purchases and all of Klarna's other great features.
In the Klarna App you can pay for your purchases, track your packages and much more.
Some of these features are activated by downloading the app or registering via the web portal, others can be activated by you after registration.
Klarna wants to give you the best shopping experience and the ability to search across a range of different stores on the Klarna App.
We do not have a business relationship with all stores that can be shown or searched for in the Klarna App.
Klarna then acts like a web browser or search engine that only links to the website of the respective store.
The range of functions offered may vary depending on the country version of the Klarna app.
Klarna continually updates the Klarna App with new and improved features.
To name just a few of the features we are particularly proud of:
Features:
View your Klarna purchases and transactions
Manage your payments
Easy interaction with Klarna
Examples of additional functions that we can offer depending on the country version:
Shopping services such as search functionality, an overview of stores we think you will like and personalized recommendations, offers and other content
Shop with Klarna payment methods - even in stores that don't yet use Klarna
Order, delivery or package tracking
Easy registration of returns and refunds
Overview and management of personal finances
View and save your transactions, purchases, receipts, pictures and other material
Carbon footprint of your purchases
View your orders made through shops or companies unrelated to Klarna
You can put together goods or services of your choice and share these "collections" with others
You can share your transactions with other Klarna users
A wizard that proposes to help you fill in various information (such as payment method, card details, shipping address) using autofill
View your transactions through one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc.
This will only happen after you have opted in to do so as part of our affiliates' services.
The transaction data (e.g. name, address, bank account number/IBAN, sorting code/BIC, reason for payment, date and amount, order data) are then transmitted to Klarna.
As a Klarna App user, you can upload, publish and share your collections, images and nicknames if you wish.
You understand that by sharing Content, you are making it publicly available, which means that information about you becomes available to, and can be used and shared by, others.
You may only upload, post, or share Content that you have the right to use for those purposes and that does not violate any law, this Agreement, or the rights of any third party.
You agree not to upload, post or share any content that is unlawful, fraudulent, offensive, threatening, infringes the rights of others, or is offensive or criminal (such as ethnic hate speech, child pornography or unlawful depictions of violence), or authorizes any content transmit any virus, Trojan horse, spyware, adware, malware or other malicious or harmful program; Distribution of unsolicited advertising (spam) or any other form of harassment.
Klarna reserves the right, without any obligation and in its sole discretion, to monitor, review, adjust, disable or remove any Content without notice to you or any third party.
You are solely responsible for uploading, publishing and sharing content and undertake to indemnify Klarna for any damage, loss or costs incurred as a result of uploading, publishing or sharing content, including in connection with third-party claims against Klarna.
3. Klarna Extension - Special Terms and Conditions
Klarna Extension offers various discount coupons for the online shops of merchants who work together with Klarna and have been selected by Klarna ("Partner Shops").
In addition, additional functions can be used if you also log into the Klarna Extension.
This allows you to enhance your shopping experience by earning cashback (described below) and using a bespoke card payment solution (also described below).
Klarna receives fees for referring our Klarna Extension users to partner shops, and Klarna uses a portion of these fees to pay for gift cards our users receive through cashback on qualifying purchases.
A "qualifying purchase" is a purchase where the partner shop offers cashback for the purchase.
The partner shops available through the Klarna Extension are entirely at the discretion of Klarna and may vary from time to time.
All purchases made by you are direct purchases from the partner shops and not from Klarna.
For purchases made through a partner shop's website, the partner shop's terms and conditions apply and Klarna accepts no liability in relation to any product or service you purchase.
3.1 General Information, Acceptance of these Terms, Eligibility to Participate
The "Klarna Extension" is a software application provided by Klarna.
The terms (“Extension Terms”) in this Section 3 only apply to your (hereinafter “Extension Users”) the Klarna Extension.
By installing, activating, using or otherwise accessing the Klarna Extension, you accept these Extension Terms.
You may not install, activate or otherwise access the Klarna Extension if you do not wish to be bound by these Extension Terms.
Klarna Extension can only be used on certain supported web browsers.
The technical usability of Klarna Extension is subject to the respective terms of use of these browsers and the technical restrictions and specifications of the device on which Klarna Extension is to be installed.
You must be at least 18 (eighteen) years of age to use the Klarna Extension, in addition to the eligibility requirements and extension terms below.
3.2 Klarna Extension features and limitations
The Klarna Extension offers various features, some of which are only accessible to an Extension user after registering a Klarna Extension account (as defined below).
These functions are divided into basic functions, each such function being a “basic function”, and advanced functions, each of which is an “extended function”.
Prerequisites for Advanced Features
In order to be able to use the Extended Functions, the Extension user must first create a user account ("Account").
To create an account, you must provide your contact information, including a valid email address and postal address.
Only one account can be registered per person.
Klarna reserves the right to verify that you are eligible to open an account.
You must ensure that the information in your account is up to date.
You are responsible for the security of your account and the activities conducted through your account.
Please keep your account details safe.
3.2.1 Basic functions of the Klarna Extension
If the shop you are visiting is one of our partner shops in which we currently offer vouchers (“partner shop”), you will be notified in the browser when you reach the checkout of the partner shop and you will be offered the voucher activate if one is available.
The basic function then shows you the available coupons for the partner shop.
Please note that the conditions for coupons are subject to the general terms and conditions of the respective partner shop.
Klarna makes every effort to provide you with correct coupons.
However, we do not guarantee the availability of any coupons or that the coupons or discounts will be accurate, complete, current or error-free, or that such coupons or discounts will offer the lowest price on any item.
Klarna may receive a commission from the partner shop (but not from you).
Klarna continuously updates the Klarna Extension with new and improved features.
Examples of other basic features that may be available to you in your country depending on the version of the extension:
Create and share collections of goods or services of your choice (Wish Lists).
Our price comparison tool.
The price comparison tool searches for better prices on the relevant Amazon website by comparing sellers for you.
Please note that Amazon and Klarna are not affiliated with each other.
Prices on Amazon are subject to change and the results of our price comparison are only valid at the time of comparison.
Klarna is not a party to any contract you enter into with Amazon, nor is it liable for any problems arising from the contractual relationship between you and any third party.
Klarna always strives to provide you with the most complete and accurate information possible.
However, we collect information from publicly available sources.
We strive to ensure that all information related to the price comparison tool is accurate and up to date.
However, we cannot guarantee the reliability or accuracy of the information.
3.2.2 Extended functions of the Klarna Extension
Prerequisites for Advanced Features
A prerequisite for the Extended Functions is that the Extension user has created a user account ("Account").
To create an account, you must provide your contact information, including a valid email address and EU phone number.
Klarna reserves the right to verify that you are eligible to open an account.
Cashback
This feature allows an Extension User to collect a variable percentage of their purchase amount, which is then registered in the Extension User's account ("Cashback").
Cashback can be collected without logging into the Klarna Extension, but in order to see your current Cashback or redeem the amount (subject to these Extension Terms), you must be logged in and give us your name, email address and Provide your postal address - unless you have already sent this information to Klarna.
Please also note the following information:
Cashback is only available for purchases in partner shops.
The availability of partner shops is entirely at the discretion of Klarna and may vary from time to time.
Cashback availability is displayed in the Klarna Extension.
Once an extension user has reached the checkout of a partner shop and after an extension user has placed products or services in the corresponding shopping cart, the extension user must activate cashback by clicking on the corresponding button.
A partner shop's terms and conditions apply to purchases made on their website.
Cashback is credited to the net purchase amount.
Taxes, fees, shipping, gift wrap, discounts or credits, returns or cancellations, and warranty extensions are not included in the net purchase amount used to determine cashback.
Cashback for a purchase may also be refused if your purchase is returned, modified or canceled in whole or in part.
The variable percentage that determines the cashback value can be set individually by each partner shop and can be changed by each partner shop from time to time.
The cashback amount is expressed in the currency of the market where the extension user resides.
A currency selection cannot be changed.
Klarna only offers cashback in the user's local currency (e.g. Euro for Germany, GBP for Great Britain and Euro for France).
The Klarna Extension displays the Cashback percentage available during each Extension user's checkout process (“Checkout Process”).
A shopping process describes the uninterrupted process of product selection to completion of payment on a partner shop's website.
Partner shops can exclude certain products and purchases from the cashback program.
After enabling cashback, an extension user must complete the purchase during the same checkout to receive cashback.
Cashback cannot be redeemed retrospectively against items you have already purchased.
An extension user must ensure that all technical criteria are met in order to activate and claim cashback, including enabling cookies and Java Script in your web browser.
A cashback amount correctly obtained during a purchase transaction will be credited to the registered account.
During the return period, a cashback amount will be categorized as "pending".
If an extension user is not logged in when activating the cashback in the partner shop's checkout (with the Klarna extension), the extension user must log in within 14 (fourteen) days of the purchase with the device used for the purchase Register with the Klarna extension to claim the cashback.
Meanwhile, the cashback is technically associated with the device that was used when the cashback was activated.
After 14 (fourteen) days, the extension user can no longer claim such transitional cashback to be registered on his account.
The Extension User must collect a total of 30 EUR in order to redeem the Cashback (the “Withdrawal Threshold”).
Subject to any other requirement in these Extension Terms, once the Extension User has reached the Payout Threshold, an email will be sent to the Extension User's registered email address offering the Extension User an opportunity to Redeem the cashback in the form of a gift card at a Klarna nominated gift card provider, which is only available through the Klarna Extension.
Redeeming the cashback for gift cards is the only permitted use of the cashback and, in particular, Extension users have no right towards Klarna or any other party to request an exchange of the cashback for money.
The gift cards are subject to the terms and conditions of the gift card provider and the relevant retailer, if specified.
All gift cards are closed-loop gift cards and mutual acceptance of gift cards is not possible.
Gift cards can only be redeemed with the gift card provider specified by Klarna in the Klarna Extension.
Klarna reserves the right to change the gift card provider at its own discretion.
If you have any questions about the gift cards, you can contact our customer service and we will help you.
With their gift card, the extension user can select a specific retailer from the gift card provider to which the gift card is linked, and the gift card can then only be redeemed at the retailer selected by the extension user (closed-loop gift card).
The extension user can split their cashback and redeem it for different gift cards, each associated with a specific merchant.
Cashback is a purely internal administrative item at Klarna.
Cashback will not be transferred, traded, bartered or similar with third parties (including participating merchants).
In particular, cashback cannot be transferred to merchants as consideration for gift cards issued.
Klarna sends quarterly emails with an offer to redeem the extension user's cashback.
If you have at least 30 euros in your account, you will be offered to redeem your cashback in the next available period.
Klarna is not responsible for lost emails or any other event or delay beyond Klarna's control.
One-Time-Karte
An additional advanced feature is the use of the One-Time Card Service - one of Klarna's available payment services.
Use of the One-Time Card is subject to the One-Time Card Terms and Conditions available here.
License Agreement and Restrictions
Klarna grants the extension user a non-exclusive, non-transferrable and non-sublicensable right to use the Klarna extension.
As long as the Klarna Extension is free of charge, Klarna can limit, terminate or otherwise change the scope and/or content of the Klarna Extension for commercial reasons at any time without prior notice if and to the extent that this is reasonable for the extension user, taking into account the interests of the user.
Klarna has no maintenance, support or availability obligations for Klarna Extension.
All changes to the Extension Terms will be published on https://www.klarna.com/de/agb/ and on the Klarna Extension login page.
Please check the website and the Klarna Extension link available on the login screen regularly.
Inactive Accounts
If your account is inactive for more than twelve (12) consecutive months, Klarna will delete your account's cashback balance.
Klarna may also permanently close the account and stop maintaining your account details and your access to the Klarna Extension.
Registration and security
You must keep your account login information secure.
The Klarna Extension may only be used by the extension user as the account holder and not by third parties.
An Extension user may not allow any third party to access the Klarna Extension or their account for any purpose.
Any access by such third party shall be deemed unauthorized access to that account.
Once logged in, you will remain logged in until you actively log out or until you have been inactive for 60 days; in this case you will be automatically logged out.
To avoid unauthorized use of your Klarna Extension or accidental disclosure of your personal information, ensure that only you have access to your login details and that you always log out of your account when you leave your computer unattended.
You are solely responsible for any unauthorized use of your account or inadvertent disclosure of your personal information as a result of losing your login credentials or leaving your computer unattended.
If at any time you wish to cancel your account and withdraw from the advanced features, you may make a request by contacting our customer service.
Alternatively, you can simply stop using your account.
If you terminate your account by contacting Customer Service, or if we terminate your account, any unused Cashback at the time of termination will be forfeited.
General
Every decision made by Klarna is final and no correspondence will be entered into.
In the event of any conflict between these Extension Terms and any other terms associated with any other promotional material relating to the Klarna Extension, these Terms shall control.
All personal information submitted in connection with the Klarna Extension will be used, shared and stored as described in the Privacy Policy available here.
4. Display of previous transactions
We store information about your purchases and transactions in the Klarna App.
As part of the Services offered under these Terms, Klarna allows you to view information about your purchases and transactions in the Klarna App.
If you would like to learn more about how we use this and other information Klarna has about you, please read our privacy policy.
5. Offers and Benefits
Klarna may offer you offers and benefits such as discounts, special events, early access to new products, sales promotions, shop offers, samples and giveaways.
The offers and benefits you receive are based on your past interactions, such as the number of purchases you made, the amounts of your order, or the use of our services.
6. Do the services cost anything?
The services are free.
Please note that interest and fees may apply for the use of a specific service offered by Klarna.
Therefore, make sure you carefully read the specific information about the payment method you have chosen.
If Klarna has a claim against you and you are in arrears with the payment, Klarna can demand compensation for the resulting damage in the amount of a flat rate of €1.20 for each reminder.
You are free to prove that Klarna has suffered no or only minor damage.
7. Improving the Services
We are constantly working to improve our services so that you can have an even smoother user experience.
This may require a change to these Terms.
In this case, we will ask you to accept the new terms before you can continue to use the services.
8. Privacy and Your Personal Data
If you cause us to process information, e.g. by uploading, publishing or sharing data in the Klarna App, information about your political or philosophical beliefs, your trade union membership, data about health or sex life, etc. (so-called special categories of personal data according to EU Regulation 2016/679 (the "GDPR")), you expressly consent to us processing this data to provide our services.
Further information about the processing of your personal data and further information about your rights to your data can be found in our data protection information.
You will also find our contact details there if you have any questions.
9. Card Payments
When you make a purchase with Klarna, you can configure and use a number of different payment sources, including debit, credit or prepaid cards.
Your payment sources are stored in your Klarna user account until you edit/remove them or the user account is deleted.
By choosing to store your card details with Klarna, you authorize Klarna to charge this payment source for any subsequent Klarna services when you shop with us.
You won't be charged until you make a purchase.
If your usual card funding source cannot be charged for a purchase, including installment plans or subscriptions where applicable, you authorize Klarna to attempt to charge your other card funding sources registered in your Klarna user account.
10. Your Obligations
You are obliged to always provide correct information and may only act under your own and correct identity.
Any use of information that does not belong to you or that you otherwise do not have permission to use, or use of the Services in a manner that is not prescribed, is considered abuse.
Any data related to abuse or suspected abuse may be stored and used for future risk assessment and user protection.
Klarna reserves the right to block the services for further use.
If you upload, import or share images, text, receipts, information about goods, services or deliveries or other content in the Klarna App, you grant Klarna a royalty-free right to use and display the content for the provision of the Services.
We have the right to remove any content you upload or share if we are required to do so by law, or if we think it is offensive, inappropriate, illegal, infringing on the rights of others, or otherwise objectionable.
You are responsible for any content you upload or share.
You are aware and agree that we may terminate or disable your use of the Klarna App if you upload, import or share content that is offensive, threatening, objectionable or violates the law or your agreement with Klarna or which Klarna reasonably believe they are breaking the law or breaking your agreement with Klarna.
11. Third Party Services
Some features you use, such as package tracking, may involve the use of third party services, such as tracking IDs from logistics companies.
If you use features that rely on third party services, you authorize Klarna to use those services on your behalf.
Your use of Google Maps in the checkout (e.g. by searching for your address in the address field) and in the Klarna App is subject to the current Google Maps/Earth Terms of Use and Google's data protection regulations.
In addition, to prevent misuse of the Klarna app via the internet portal, Klarna may use reCAPTCHA, which is subject to Google's terms of service and privacy policy.
The Klarna App is available through third party distribution platforms ("Application Stores").
These may require prior registration with the respective application store.
Klarna has no influence on the collection, processing and use of personal data by the respective application store operators.
12. Duration and Termination of this Agreement
This agreement is concluded for an indefinite period.
It will survive until terminated by either you or us and may be terminated at any time.
You may not terminate this Agreement if you have an outstanding payment or if you are using a Klarna-provided Service that is either subject to a Fixed Term (which has not expired) or a Service that is subject to a notice period and such notice period has not expired.
Please note that in the event of termination, use of the Service, including any functionality provided in or managed through the Klarna App, will no longer be available.
13. Electronic Communications
By accepting these Terms, you consent to Klarna using electronic means of communication to communicate with you.
Payment information, terms and conditions, statutory notices and other information may be provided to you electronically, including via the Klarna website, app or the email address(es) you have provided to us.
Updating your contact information
It is your responsibility to ensure that Klarna has your current email address and mobile phone number so that we can communicate with you electronically.
If you need to update your primary email address, please contact customer service to make the change.
Questions
If you have any questions about electronic communications in general, please contact customer service.
14. Assignment or Transfer
You may not transfer or assign any rights or obligations you have under these Terms.
Except as otherwise permitted by applicable law, we may transfer or assign these Terms or any right or obligation under these Terms at any time, provided that such transfer does not adversely affect your rights and obligations under these Terms.
15. Clarify
Klarna Bank AB (publ.),
Sveavägen 46, 111 34 Stockholm, phone: +46 8 120 120 120 00, fax: +46 8 120 120 120 99, email: kunde@klarna.de, is a Swedish bank registered in the Swedish company register under registration number 556737 -0431 is entered.
Managing Director is Sebastian Siemiatkowski.
Klarna Bank AB (publ) is authorized by Finansinspektionen (the Swedish Financial Supervisory Authority) to provide financial services.
You can find Klarna's entry in the Finansinspektionen directory and a list of the countries in which Klarna is authorized to provide cross-border financial services on the Finansinspektionen website.
16. Complaints
The information provided on www.klarna.de applies to complaints.
For complaints, the information provided applies.
By using our services, you consent to Klarna handling all communication regarding complaints electronically.
If you wish to make a complaint to Klarna, you can send your complaint to us via the Klarna customer service website, via the chat function or by email.
If we are unable to resolve the dispute, you can contact the Public Complaints Board in Sweden "Allmänna reklamationsnämnden" (Arbitration Board), abbreviated to ARN.
Klarna will participate in any such arbitration and is required by law to do so.
You can find more information about the entry requirements on the ARN website.
You can submit your request via the Internet platform of the EU Commission for the online settlement of disputes (so-called "OS platform") in German or in another official language of the European Union.
The transaction is then forwarded to ARN.
You can access the OS platform here.
You can also contact ARN directly in Swedish: Allmänna reklamationsnämnden, PO Box 174, 10123 Stockholm, Sweden, visiting address: Kungsholmstorg 5, Stockholm.
These Terms of Use were last updated on November 10th, 2021.