Payment via Klarna
When selecting the payment method ‘Klarna Pay Later’ or ‘Klarna Pay Over Time’, personal data is automatically transmitted to Klarna (Klarna Bank AB (publ) (Sveavägen 46, 111 34 Stockholm, Sweden). By selecting this payment option, you consent to the transfer of your personal data required for payment processing and for identity and credit checks.
The personal data transmitted to Klarna is usually first and surname, title, address, date of birth, gender, email address, IP address, telephone number, mobile phone number, as well as data necessary for processing the invoice purchase and data related to the order, such as number of items, item number, invoice amount and taxes in per cent, billing information, bank details, card number, expiry date, CCV code, information about goods/services, historical information, information about your previous purchases, payment history, any declines, financial information, information about any credit obligations and payment remarks, information about the interaction between you and Klarna Checkout, page load times, download errors and methods used to leave the displayed page, electronic communication information, receipt confirmations, device information, geographical information.
The transmission of your data is necessary for processing your purchase with the invoice method you selected via Klarna, in particular to verify your identity, to administer your payment and the customer relationship, for customer analysis, for the administration of Klarna’s services and for internal processes. This includes troubleshooting, data analysis, internal testing, development, statistical purposes, and improving Klarna’s services to ensure that the necessary information is displayed to you and your device as efficiently as possible. It also serves to prevent misuse or improper use of Klarna's services, as part of Klarna's efforts to make its services as secure as possible, to assess which payment methods can be offered to you through Klarna, to conduct internal credit assessments, risk analyses, and risk management, to support business development, and to comply with applicable laws. Klarna has a legitimate interest in the transmission of a customer's personal data and requires this to obtain information from credit agencies for the purpose of checking identity and creditworthiness. Klarna may also make your personal data available to other companies within the Klarna Group, service providers and subcontractors, insofar as this is necessary for the fulfilment of contractual relationships with you or with them. A list of the credit agencies used by Klarna can be found at: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_de/credit_rating_agencies.
As part of the decision on the establishment, execution or termination of the contractual relationship, Klarna collects and uses information on the buyer’s previous payment behaviour as well as probability values for this behaviour in future. Klarna calculates this scoring based on scientifically recognised mathematical and statistical procedures.
You have the option to revoke your consent to Klarna handling your personal data at any time with effect for the future. The applicable data protection provisions of Klarna may be retrieved under: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/de_de/privacy.
