Last updated: 05 December 2022

Privacy Notice - Klarda

Klarda (“Klarda”, “we”, or “us”) is committed to protecting the privacy of our customers, and we take our data protection responsibilities with the utmost seriousness.

This Privacy Notice describes how Klarda collects and processes your personal information through the Klarda websites and applications that reference this Privacy Notice. Klarda refers to an ecosystem comprising Klarda websites (whose domain names include but are not limited to, mobile applications, clients, applets and other applications that are developed to offer Klarda Services, and includes independently-operated platforms, websites and clients within the ecosystem (e.g. Klarda’s Platform, Klarda Venture, Klarda Labs). “Klarda Operators” refer to all parties that run Klarda, including but not limited to legal persons, unincorporated organisations and teams that provide Klarda Services and are responsible for such services. “Klarda” as used in this Privacy Notice includes Klarda Operators.

This Privacy Notice applies to all Personal Information processing activities carried out by us, across platforms, websites, and departments of Klarda and Klarda Operators.

To the extent that you are a customer or user of our services, this Privacy Notice applies together with any terms of business and other contractual documents, including but not limited to any agreements we may have with you.

To the extent that you are not a relevant stakeholder, customer or user of our services, but are using our website, this Privacy Notice also applies to you together with our Cookie Notice.

This Notice should therefore be read together with our Cookie Notice, which provides further details on our use of cookies on the website.

Our Cookie Notice can be accessed here.

1. Klarda Relationship with you

Depending on your place of legal residence certain other Klarda entities could be involved in processing activities such as Know Your Customer (“KYC”) activities which are necessary for us to provide Services to you. These Klarda entities could act as Controllers of your personal information and use it in accordance with this Privacy Notice.

2. What Personal Information does Klarda collect and process? Why does Klarda process my personal information? What is the legal basis for our use of personal information?

What personal information does Klarda collect and process?
- email address;
- name;
- gender;
- date of birth;
- home address;
- phone number;
- nationality;
- device ID;
- a video recording of you and a photographic image;
- transactional information;
- the Internet protocol (IP) address used to connect your computer to the Internet;
- login, e-mail address, password and location of your device or computer;
- Klarda Services metrics (e.g., the occurrences of technical errors, your interactions with service features and content, and your settings preferences);
- version and time zone settings;
- transaction history;
- Information from other sources: we may receive information about you from other sources such as credit history information from credit bureaus;
- Information about your activity we may process information about you on your behaviour and your activity for marketing and advertising purposes.

3. Can Children Use Klarda Services?

Klarda does not allow anyone under the age of 18 to use Klarda Services and does not knowingly collect personal information from children under 18.

4. What About Cookies and Other Identifiers?

We use cookies and similar tools to enhance your user experience, provide our services, enhance our marketing efforts and understand how customers use our services so we can make improvements. Depending on applicable laws in the region you are located in, the cookie banner on your browser will tell you how to accept or refuse cookies. A copy of our cookie policy is available here.

5. Does Klarda Share My Personal Information?

We may share your Personal Data with third parties (including other Klarda entities) if we believe that sharing your Personal Data is in accordance with, or required by, any contractual relationship with you or us, applicable law, regulation or legal process. When sharing your Personal Information with other Klarda entities, we will use our best endeavours to ensure that such entities are either subject to this Privacy Notice, or follow practices at least as protective as those described in this Privacy Notice. For example, if you are resident in France, Klarda France SAS, is responsible for running KYC checks.

We may also share personal information with the following persons:

• Third-party service providers: We employ other companies and individuals to perform functions on our behalf. Examples include analysing data, providing marketing assistance, processing payments, transmitting content, and assessing and managing credit risk. These third-party service providers only have access to personal information needed to perform their functions, but may not use it for other purposes. Further, they must process the personal information in accordance with our contractual agreements and only as permitted by applicable data protection laws.

• Legal Authorities: We may be required by law or by Court to disclose certain information about you or any engagement we may have with you to relevant regulatory, law enforcement and/or other competent authorities. We will disclose information about you to legal authorities to the extent we are obliged to do so according to the law. We may also need to share your information in order to enforce or apply our legal rights or to prevent fraud.

• Business transfers: As we continue to develop our business, we might sell or buy other businesses or services. In such transactions, user information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Notice (unless, of course, the user consents otherwise). Also, in the unlikely event that Klarda or substantially all of its assets are acquired by a third party, user information will be one of the transferred assets.

• Protection of Klarda and others: We release accounts and other personal information when we believe release is appropriate to comply with the law or with our regulatory obligations; enforce or apply our Terms of Use and other agreements; or protect the rights, property or safety of Klarda, our users or others. This includes exchanging information with other companies and organisations for fraud protection and credit risk reduction.

6. International transfers of Personal Information

To facilitate our global operations, Klarda may transfer your personal information outside of the European Economic Area (“EEA”), UK and Switzerland. The EEA includes the European Union countries as well as Iceland, Liechtenstein, and Norway. Transfers outside of the EEA are sometimes referred to as “third country transfers”.

We may transfer your personal data within our Affiliates, third-party partners, and service providers based throughout the world. In cases where we intend to transfer personal data to third countries or international organisations outside of the EEA. Klarda puts in place suitable technical, organisational and contractual safeguards (including Standard Contractual Clauses), to ensure that such transfer is carried out in compliance with applicable data protection rules, except where the country to which the personal information is transferred has already been determined by the European Commission to provide an adequate level of protection.

We also rely on decisions from the European Commission where they recognise that certain countries and territories outside of the European Economic Area ensure an adequate level of protection for personal information. These decisions are referred to as “adequacy decisions”. We transfer personal data to Japan on the basis of the Japanese Adequacy Decision.

7. How Secure is My Information?

We design our systems with your security and privacy in mind. We have appropriate security measures in place to prevent your information being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. We work to protect the security of your personal information during transmission and while stored by using encryption protocols and softwares. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of your personal information. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know.

Our security procedures mean that we may ask you to verify your identity to protect you against unauthorised access to your account password. We recommend using a unique password for your Klarda account that is not utilised for other online accounts and to sign off when you finish using a shared computer.

8. What About Advertising?

In order for us to provide you with the best user experience, we may share your personal information with our marketing partners for the purposes of targeting, modelling, and/or analytics as well as marketing and advertising. You have a right to object at any time to processing of your personal information for direct marketing purposes (see Section 9 below).

9. What Rights Do I Have?

Subject to applicable law, as outlined below, you have a number of rights in relation to your privacy and the protection of your personal information. You have the right to request access to, correct, and delete your personal information, and to ask for data portability. You may also object to our processing of your personal information or ask that we restrict the processing of your personal information in certain instances. In addition, when you consent to our processing of your personal information for a specified purpose, you may withdraw your consent at any time. If you want to exercise any of your rights please contact us at These rights may be limited in some situations - for example, where we can demonstrate we have a legal requirement to process your personal data.

• Right to access: you have the right to obtain confirmation that your personal information are processed and to obtain a copy of it as well as certain information related to its processing;

• Right to rectify: you can request the rectification of your personal information which is inaccurate, and also add to it. You can also change your personal information in your Account at any time.

• Right to delete: you can, in some cases, have your personal information deleted;

• Right to object: you can object, for reasons relating to your particular situation, to the processing of your personal information. For instance, you have the right to object where we rely on legitimate interest or where we process your data for direct marketing purposes;

• Right to restrict processing: You have the right, in certain cases, to temporarily restrict the processing of your personal information by us, provided there are valid grounds for doing so. We may continue to process your personal information if it is necessary for the defence of legal claims, or for any other exceptions permitted by applicable law;

• Right to portability: in some cases, you can ask to receive your personal information which you have provided to us in a structured, commonly used and machine-readable format, or, when this is possible, that we communicate your personal information on your behalf directly to another data controller;

• Right to withdraw your consent: for processing requiring your consent, you have the right to withdraw your consent at any time. Exercising this right does not affect the lawfulness of the processing based on the consent given before the withdrawal of the latter;

• Right to lodge a complaint with the relevant data protection authority: We hope that we can satisfy any queries you may have about the way in which we process your personal information. However, if you have unresolved concerns, you also have the right to complain to the Irish Data Protection Commission or the data protection authority in the location in which you live, work or believe a data protection breach has occurred.

If you have any questions or objection as to how we collect and process your personal information, please

10. How Long Does Klarda Keep My Personal Information?

We keep your personal information to enable your continued use of Klarda Services, for as long as it is required in order to fulfil the relevant purposes described in this Privacy Notice, and as may be required by law such as for tax and accounting purposes, compliance with Anti-Money Laundering laws, or as otherwise communicated to you.

11. Contact Information

Our data protection officer can be contacted at and will work to address any questions or issues that you have with respect to the collection and processing of your personal information.

12. Notices and Revisions

If you have any concerns about privacy at Klarda, please contact us, and we will try to resolve it. You also have the right to contact your local Data Protection Authority.

Our business changes regularly, and our Privacy Notice may change also. You should check our websites frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account.
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