Terms and Conditions

Klarna Services Villkor – English version below
 

Dessa villkor gäller mellan Klarna Bank AB (publ) (“Klarna”) och dig när du använder Klarnas tjänster och funktioner som beskrivs i dessa villkor (“Tjänsterna”). Du registrerar dig för Tjänsterna genom att acceptera dessa villkor.

BESKRIVNING AV TJÄNSTERNA
För Klarna handlar handlar inte bara om att hitta bra saker och betala för dem – det handlar också om att njuta av en bra shoppingupplevelse i din favoritbutik, en toppmodern app och många andra saker. Enkelt sagt, en smoooth-användare upplever både innan du har gjort dina inköp och efter att du har gjort ett köp. Dessa termer förklarar mer detaljerat vad detta betyder. Observera att ytterligare villkor kan gälla för en viss betalningsmetod om du väljer att göra din betalning med hjälp av en av de metoder som erbjuds av Klarna.

  1. Autofyll och inställningar
    För att du ska ha en smoooth och friktionsfri shoppingupplevelse kommer vi att minnas lite information om dig och använda den informationen för att autofylla olika former med din information under din shopping. På så sätt kan du spara tid och fokusera på viktigare saker än att fylla i samma information om och om igen. Låt oss förklara mer detaljerat hur detta fungerar.

Autofyll av din kontaktinformation

Vi kan hjälpa dig att fylla i din kontaktinformation på två sätt.

Autofyll genom inmatning av begränsad information

Medan vi samarbetar med Klarna kan vi begära information om dig, till exempel namn, adress, telefonnummer, e-post, födelsedatum eller personnummer. Vi kommer att behålla denna information i våra system så att när du återvänder till oss eller använder våra betalningsmetoder behöver du bara tillhandahålla vissa av denna information, till exempel e-postadress och postnummer eller personnummer (beroende på land) i Beställ för oss att autofyll de återstående fälten med dina övriga uppgifter.

Autofyll genom en Klarna-cookie

En ytterligare metod som vi kan använda för att autofyll din information är att placera en Klarna-cookie på din enhet (dator, surfplattform, mobiltelefon, etc.). Du kan välja att lagra dina uppgifter som namn, adress, telefonnummer, e-post, födelsedatum eller personnummer och kortuppgifter med Klarna. Om du gör det använder vi kakan för att hämta dessa uppgifter från Klarnas lagring, och kakan hjälper oss att autofylla dem när du handlar med Klarna.

Genom att acceptera dessa villkor ger du Klarna ett samtycke till att lagra denna cookie på din enhet. För mer information om vår användning av cookies, se vår Cookie Statement.

Inaktivera autofyll

Om du inte vill använda autofyllfunktionerna kan du kontakta oss och vi kommer att inaktivera dem. Du kan också inaktivera dem från Klarna App eller genom att justera autofyll inställningarna under inköpsprocessen. Du kan när som helst ta bort alla cookies på din enhet, vilket också tar bort vår cookie.

Autofyll av annan information

Medan du samarbetar med Klarna kan du också ge oss annan information, till exempel kortinformation. Du kan välja oss att behålla denna information i våra system så att vi när du återvänder till oss kan fylla i sådan information när vi har identifierat dig.

När du handlar direkt från Klarna App kan vi också autofylla dina uppgifter på den plats där du handlar. Det här aktiveras genom att du är inloggad i appen och vi vet att det är du som handlar.

Förvalna föredragna betalningsmetoder

För att göra din shopping upplevelse ännu smidigare kan Klarna, baserat på dina tidigare inköp, förhandsvala betalningsmetoden som vi anser vara din föredragna betalningsform. Du kan dock också ha tillgång till andra betalningsmetoder om du föredrar att byta till en annan metod än den vi har valt för dig.

  1. Klarna App
    Klarna App, som ges till dig via en app eller en webbportal, är din knutpunkt för alla dina Klarna-inköp och alla andra fantastiska funktioner som Klarna erbjuder. Genom att använda Klarna App kan du betala dina inköp, spåra dina paket och många fler saker. Några av dessa funktioner aktiveras genom att ladda ner appen eller logga in via webbportalen, medan andra kan aktiveras av dig efter inloggningen. Det exakta innehållet i funktioner kan skilja sig mellan olika landversioner av Klarna App. Klarna uppdaterar Klarna App kontinuerligt med nya funktioner. För att nämna några av de funktioner vi är mest stolta över:

Funktioner tillgängliga i alla länder:

       Visa dina nuvarande och tidigare Klarna-inköp och transaktioner

       Betala för dina inköp

        Enkel interaktion med Klarna, till exempel chatt

Exempel på andra funktioner som vi kan erbjuda beroende på landversion:

      Se dina transaktioner gjorda med ett av våra dotterbolag Sofort GmbH, Billpay GmbH och Klarna Inc. Detta kommer endast att göras när du har anmält dig till dotterbolaget. Transaktionsdata (till exempel namn, adress, bankkontonummer / IBAN, sorteringskod / BIC, orsak till betalning, datum och belopp, orderuppgifter) skickas därefter till Klarna.

Klarna Services Terms

These terms apply between Klarna Bank AB (publ) (“Klarna”) and you when you use Klarna’s services and features as described in these terms (the “Services”). You sign up for the Services by accepting these terms.

DESCRIPTION OF THE SERVICES

For Klarna, shopping is not just about finding great stuff and paying for them – it is also about enjoying a great shopping experience at the store of your preference, a state of the art app, and many other things. Simply put, a smoooth user experience both before you have done your purchases and after you have done a purchase. These terms explain in more detail what this means. Please note that additional terms may apply to a specific payment method if you choose to make your payment by using one of the methods offered by Klarna.

1. Autofill and preferences

In order for you to have a smoooth and friction free shopping experience we will remember some information about you and use that information to autofill different forms with your information during your shopping. This will enable you to save time and focus on more important stuff than filling out the same information over and over again. Let us explain in more detail how this works.

Autofill of your contact information

We can help you to fill in  your contact information in two ways.

Autofill through input of limited information

While interacting with Klarna we may ask for information about you, such as name, address, telephone number, email, date of birth, or personal identification number. We will keep this information in our systems so that when you return to us or use our payment methods, you will only need to provide some of this information such as email and zip-code, or personal identification number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through a Klarna cookie

An additional method we can use to autofill your information is by placing a Klarna-cookie on your device (computer, tablet, mobile phone, etc.). You may choose to store your details such as name, address, telephone number, email, date of birth, or personal identification number, and card details with Klarna. If you do so, we use the cookie to fetch those details from Klarna’s storage, and the cookie will help us to autofill them when you shop with Klarna.

By accepting these terms you give Klarna a consent to store this cookie on your device. For more information on our use of cookies see our Cookie Statement.

Disable autofill

If you don’t want to use the Autofill functionalities you can contact us and we will disable them. You can also disable them from the Klarna App or by adjusting your autofill settings during the purchase process. You can at any given time delete all cookies on your device, which deletes our cookie as well.

Autofill of other information

While interacting with Klarna you may also provide us with other information, such as for example card details. You may choose us to keep this information in our systems so that when you return to us we may autofill such information after we have identified you.

When you shop directly from the Klarna App we can also autofill your details on the site where you are shopping. This is enabled by you being logged in to the app and we know it is you that are shopping.

Preselected preferred payment methods

In order to make your shopping experience even smooother Klarna can, based on your previous purchases, pre-select the payment method that we believe to be your preferred way of paying. You may however also have access to other payment methods should you prefer to switch to another method than the one we pre-selected for you.

2. Klarna App

The Klarna App, provided to you by way of an app or a web portal is your hub for all your Klarna purchases and all other great features Klarna offers. By using the Klarna App you can pay your purchases, track your packages and many more things. Some of these features are activated by downloading the app or logging in through the web portal, while others can be activated by you after login. The exact content of features can differ between different country versions of the Klarna App. Klarna updates the Klarna App continuously with new features. To mention a few of the features we are most proud of:

Features available in all countries:

       View your current and previous Klarna purchases and transactions

       Pay for your purchases

        Easy interaction with Klarna, for example chat

Example of other features we may offer depending on country version:       

      View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna.

        Order, delivery or parcel tracking

       Easy return handling and refunds

       Personal finance overview and management

       Display of relevant information and articles, and personalized off

       Upload, display and storage of your transaction, receipts, images and other material.

3. Show historical transactions

Klarna stores information about your previous purchases and transactions for bookkeeping reasons. By accepting these terms you agree that we may use this data in order for us to display these transactions to you, and by doing so, allow us to use it for this additional purpose.

4. Offers and benefits

Klarna may provide you with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. What offers and benefits you receive will be based on your previous actions such as number of purchases, purchase amounts, or usage of Klarna Services.

Are there any costs for the Services?

The Services are free of charge. Please note that interest and fees may apply to the use of a specific payment method. So make sure you check the specific information for the payment method that you use.

Improvement of the Services

We constantly work to improve our Services in order for you to get an even smooother user experience. This may require changes to these terms. In this case, you will be asked to accept the new terms before you can continue to use the Services.

Privacy and your personal data

To offer you the Services, we need to process your personal data – we encourage you to read our Privacy Notice for a more detailed understanding of how we process and protect your data.

Cookies and similar tracking technologies

For parts of the Services we use cookies and similar technologies to deliver a tailored and smoooth online experience. For detailed information about how Klarna uses cookies and similar technologies, please read our Cookie Statement.

Your obligations

You shall always provide correct information and use your own and correct identity. Any use of information that does not belong to you or that you for other reasons are not authorised to use, or the use of the Services in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Services from further usage.

If you upload or share content to Klarna, you grant Klarna a royalty-free right to use and display the content for purposes of delivering the Services. We have the right to remove any content uploaded or shared by you if we are required by law, or believe it is offensive, inappropriate, unlawful, violating the rights of others, or otherwise objectionable. You are liable for any content uploaded or shared by you.

Third party services

Some features used by you, for example parcel tracking, may include services provided by a third party.

Your use of Google Maps in the Klarna App is subject to the then-current Google Maps/Google Earth Additional Terms of Service at https://maps.google.com/help/terms_maps.html and Google Privacy Policy at https://www.google.com/policies/privacy/.

Duration and termination of this agreement

This agreement is concluded for an indefinite period of time. It applies until it is terminated by you or us and can be terminated at any time.

Klarna

Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99, e-mail: service@klarna.co.uk, is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen’s website.

Complaints

For complaints, the information provided on www.klarna.com applies. If you have a complaint towards Klarna, you can submit your complaint through the Klarna’s website or via postal mail with the keyword “Complaint” to Klarna’s address.

If we are unable to resolve your complaint, you may refer your complaint to the Swedish National Board for Consumer Disputes (ARN). Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on ARN’s website: http://www.arn.se. You can submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission:https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to ARN. You may also contact ARN in Swedish by postal mail or personally: Allmänna reklamationsnämnden, Postbox 174, 101 23 Stockholm, Sweden, Visitor Address: Kungsholmstorg 5, Stockholm.