★ EXCLUSIVE Offers & Deals
★ EXCLUSIVE Offers & Deals
★14-day free return – completely risk-free
★14-day free return – completely risk-free
★ Payment security
★ Payment security
BUYYERGOODS
Log in

Shopping Cart

Your cart is currently empty.

Continue shopping

  • Total $0.00 AUD
Taxes and shipping calculated at checkout
Total
$0.00 AUD

Data protection

Company Privacy Policy


  We value the privacy of our customers and will therefore only collect and use your personal data as described in this Privacy Policy.


  1) Obtain information from you when necessary or in connection with the transaction.


  2) Your data will be retained when required by law or in connection with the purpose for which it was collected.


  You can browse the company website without providing your personal data. If you visit our website without a user account login, you browse anonymously and we cannot identify you.
We would love to hear from you. If you have any comments or suggestions, please email the relevant information to service@buyyergoods.com.
Collection of Personal Data


  The company does not sell, share, or trade customer data collected with third parties. Personal data collected online is only shared within the company group for internal use. When you create an account with the company, the basic profile we collect from you includes:


1) Name


2) Delivery address


3) Email address


4) Contact telephone number


5) Date of birth
6) Gender


The personal data we collect from you will be used for the following purposes:


1) Dispatch the goods you have purchased from the company


2) Provide the latest news on product delivery status and customer support


3) Provide information about the goods


4) Process your order or provide services and information based on your request or via our website


In addition, we use the information you provide to manage your account, verify and process your online payment transactions, check the information downloaded from our website, the To identify website browsers, compile website user statistics, research the relevant product or service, or send you information we deem appropriate. If you do not opt out of receiving the message, we may share your name and address with third parties (e.g., a shipping company or supplier) to facilitate delivery.


Note: The shipping company has the right to request your ID number to enable internal customs control and facilitate export.


We may store your order information, but for security reasons, we cannot directly access this information. You can log in to your account, access your order details, and review your individual order information. You can also manage your personal address, bank details, and any newsletters you have subscribed to. It is your responsibility to keep your personal information confidential and not allow unauthorized third parties access to it. We are not liable for any misuse of the password.


  Security of Personal Data


  The company ensures that all collected data is treated securely and confidentially. We will protect your personal data in the following ways:


  1) Restrict access to personal data


  2) Maintain technology products to prevent unauthorized access to computer data


  3) If the information is not reserved for green purposes, we will destroy your personal data in a secure environment.


  The company uses 128-bit Secure Communications End-to-End Privacy Technology (SSL) to process your financial information. The technology takes at least one trillion years to crack and is a recognized high-level security measure.


Disclosure of Personal Data


The company will not share your personal data with any organizations other than the companies that provide the company's website delivery services and related third parties.


In exceptional circumstances, the company may be required to disclose personal data, for example: Disclosure of personal data if there is reason to believe that doing so may help prevent a threat to life or health or is used for law enforcement purposes.
If you believe the company is in breach of the Privacy Policy, please email service@buyyergoods.com.
Changes to the Privacy Policy


The company reserves the right to modify and amend the Privacy Policy at any time.


Complaints about Data Protection Violations
If you have any concerns about our data protection practices or complaints If you are dissatisfied, please contact us at service@buyyergoods.com

 

 


Klarna's Privacy Policy
It is very important to us that you feel secure when you pay with Klarna or use any of our other services. That's why you will find all the information about the use of your personal data in this privacy policy.
To help you easily find the sections that interest you, we have divided the privacy policy into different headings. Simply click on the relevant heading in the list below to go directly to the corresponding section.

 


1. Who is responsible for your personal data?
Klarna Bank AB (publ), registered in the Swedish Commercial Register under company number 556737-0431 and with its registered office at Sveavägen 46, 111 34 Stockholm, which also carries out its business activities through its branches (“Klarna”, “we”, “our” or “us”), is responsible for the processing of your data in accordance with the EU General Data Protection Regulation (the “GDPR”). If you have any questions about the processing of your personal data, please contact our data protection team at the email address service@buyyergoods.com

 


2. Your data protection rights as a data subject
Under the GDPR, you have various rights regarding control over your personal data. You can obtain information directly from us about how we process data concerning you. Below you can find information about your rights. If you would like to learn more or contact us, the easiest way is to send us an email to service@buyyergoods.com. If you would like information about the personal data Klarna holds about you or to have certain data deleted, you can submit a request by filling out this form, which is available on our homepage. For all other questions, please use the contact details provided in Section 12.
Your Rights
• Right to erasure of personal data (“right to be forgotten”)
In some cases, you have the right to have your personal data erased by us. This means, for example, that you can ask us to delete personal data that we (i) no longer need to fulfill the purpose for which we collected it or (ii) process based on your consent and where you have withdrawn that consent. There are situations where Klarna is unable to delete your data, such as when the data is still needed for the purpose for which it was collected, Klarna's interest in processing the data outweighs your interest in having it deleted, or because we are legally obligated to retain it. You can learn more about our legal obligation to retain data in sections 4 and 9 of the Privacy Policy. The legal provisions mentioned there prevent us from deleting certain data immediately. You also have the right to object to the use of your personal data for certain purposes, such as direct marketing; you can find out more about this in this list of your rights.
• Right to information.
You have the right to be informed by us about how we process your personal data. This is done through this Privacy Policy, service-specific FAQs, and by answering your questions.
• Right to obtain information about your personal data (“Right of access by the data subject”).
You have the right to know whether Klarna processes personal data concerning you and to receive a copy (“data extract”) of this data, the so-called right of access by the data subject. The data extract will provide you with information about what personal data Klarna holds about you and how we process it.
• Right to access and transfer your personal data to another recipient (“data portability”).
This right means that you can request a copy of the personal data concerning you that Klarna holds for the performance of a contract with you or processes based on your consent, in a machine-readable format. This will allow you to use the data elsewhere, for example, for transferring it to another controller/recipient.
• Right to rectification.
You have the right to request the rectification of inaccurate information concerning you or the completion of information concerning you that you consider inaccurate or incomplete.
• Right to restriction of processing. [▓If you believe that data is inaccurate, that our processing of the data is unlawful, or that we do not need the data for a specific purpose, you can request a restriction of the processing of such personal data. You also have the option to request that we cease processing your personal data while we review your request. If you object to our processing in accordance with your right described below, you can also request that we restrict the processing of this personal data while we carry out our review.
• Right to object to the processing of your personal data
You have the right to object, with reference to your personal circumstances, to the processing of your personal data based on our legitimate interest (Art. 6 para. 1 f) GDPR). Furthermore, you can also object at any time to the use of your personal data for direct marketing purposes. If you inform us that you no longer wish to receive direct marketing information from us, we will cease marketing to you and will no longer send you any such material.
• Right to object to an automated decision that significantly affects you.
You have the right to object to an automated decision made by Klarna if the decision produces legal effects concerning you or similarly significantly affects you. Section 6 explains how Klarna uses automated decision-making.
• Right to withdraw your consent.
As described in Section 5 below, where we process your personal data based on your consent or explicit consent, you have the right to withdraw that consent at any time. If you withdraw your consent, we will cease processing your data for the relevant purposes.
• Right to lodge a complaint.
If you wish to complain about how Klarna processes your personal data, you have the right to lodge a complaint with Integritetsskyddsmyndigheten, the Swedish Data Protection Authority, which oversees Klarna's processing of personal data. You can contact Integritetsskyddsmyndigheten via the following link. You can also lodge a complaint with your national data protection authority, which you can find listed here.
Settings in the Klarna mobile app: In the Klarna mobile app, Klarna allows you to adjust your preferences for certain services, such as receiving updates or having your information automatically filled in during checkout.
3. What types of personal data do we collect?

 


In this section, we explain the different types of personal data we collect or create. In Section 4, we describe the purposes for which we use these types of personal data.
• Contact and identification data - Name, date of birth, social security number, title, occupation, gender, billing and delivery address, email address, mobile phone number, nationality, age, audio recordings, photos and video recordings of you and your ID, etc.
• Information about goods/services - Data about the goods/services you have purchased or ordered, such as the type of item or the tracking number.
• Information about your financial situation - Information such as your income, any loans, negative payment history, and previous credit approvals.
• Payment information - Credit and debit card details (card number, expiry date, and CVV code), account number, name of your bank.
• Information about your use of Klarna's services - Which service(s) and features you have used within those services and how you have used them. This includes information about outstanding and past debts, your repayment history, and your personal preferences.
• Technical information generated by your use of Klarna's services - Technical data such as website response times, download errors, and the date and time you used the service.
• Information about your contact with Klarna's customer service - Recorded phone calls, chat conversations, and email correspondence.
• Your contact with the merchants you shop at or visit - Information about how you interact with merchants, e.g., B. whether you have received goods and the type of merchants you shop at.
•Device information - Device ID, IP address, language settings, browser settings, time zone, operating system, platform, screen resolution and similar data about your devices and device settings/usage.
•Information from external sanctions lists and PEP lists - Sanctions lists and lists of politically exposed persons (“PEP”) contain information such as name, date of birth, place of birth, occupation or position and the reason why the person is on the respective list.
•Sensitive personal data - Sensitive personal data is data revealing religious beliefs, political or philosophical views or trade union membership, information about health, sex life or sexual orientation, and biometric data.
•Service-specific personal data - As part of our Klarna Shopping Service and in connection with Klarna savings and payment accounts, Auto Import/Magic Import, and Personal Finance, we use additional personal data, which do not fall under the types listed above. Information on the individual services is listed here: The Klarna mobile app and browser extension (as part of the Klarna Shopping Service): All content that you upload or provide (e.g., photos, receipts, or product and shop reviews), location information, geolocation information, information about browser usage, and the websites you visit in the app's browser or with the installed extension; Klarna savings and payment accounts: Information about your transactions and deposits, as well as information about where your money comes from or what it is used for. Klarna also processes data about third parties (such as payment recipients or payers) for this service; Auto-import/Magic import: Information from the linked email account about your completed purchases, product, price, and quantity information, tracking numbers, and merchant information that we share with the Klarna mobile app; Personal Finance: Data from your other bank accounts and other types of accounts (e.g., card accounts) that you connect to the service, as well as data such as account number, bank, historical transactions from your connected accounts, and balances and assets; Membership Connect Service: Information from your added third-party membership or loyalty card account, such as membership points, status, level, and balance history.
• Social Media Event Registration: Information about your profile from your social media account and business data such as your employer's name, address, and company type.
You can also find detailed information about the relevant personal data for each social media service here.
4. Which personal data is used for which purposes and on what legal basis?

 


The tables below provide more information about:
1. what (for what purpose) we use your personal data,
2. which types of personal data we use for each purpose and whether the personal data comes directly from you or from another source. If we have received personal data about you from another source, we indicate the source in parentheses.
3. which rights we have under applicable data protection laws, such as the GDPR. B. the GDPR, to process the data about you, which is referred to as our "legal basis", and
4.when Klarna stops using the personal data for the respective purpose.
4.1 Purposes for which your personal data is used in all cases, regardless of which service you use.
Purpose of processing - what we do and why. Types of personal data used for the purpose and where they come from (source). See section 3 for more information about the different types of personal data. Legal basis for processing in accordance with the GDPR. At what point the purpose for using the personal data no longer exists. See section 9 for more information on when Klarna deletes data.
To manage our customer relationship with you for each service you use in accordance with our agreements. This includes creating and electronically sending information to you (not marketing). From you: Contact and identification data. Payment information. Sensitive personal data. From other sources: Information about goods/services (merchants). Information about your financial situation (Klarna and credit reference agencies). Information about your use of Klarna's services (Klarna). Technical information generated by your use of Klarna's services (Klarna). Your interactions with the merchants you shop at or visit (merchants). Device information (your device). Service-specific personal data (see section [number]).Section 3). Processing is necessary for Klarna to enter into a contract with you (Art. 6 para. 1 b) GDPR). If the service processes information that constitutes sensitive personal data (e.g., from files you upload), our processing is based on your explicit consent (Art. 9 para. 2 a) GDPR). When the contract between you and Klarna ends.
To conduct customer satisfaction and market research surveys, consumer research, and to request feedback from you via email, text messages, telephone calls, or other communication channels. If you do not wish for such processing to occur, please contact us to inform us. See Section 2 for more information about your rights. Our contact information can be found in Section 12. From you: Contact and identification data. Information about your use of Klarna's services. From other sources: Information about goods/services. (Merchants) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchants) This processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of this balancing of interests, Klarna concluded that we have a legitimate interest in conducting such surveys, that the processing is necessary to achieve this purpose, and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information on how this balancing was carried out. Our contact information can be found in section 12. For calls, processing is based on your explicit consent (Art. 6 para. 1 a) GDPR). When the contract between you and Klarna ends.
Ensuring network and information security for Klarna's services. From you: Contact and identification data. From other sources: Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in ensuring network and information security, that processing is necessary to achieve this purpose, and that our interest outweighs your right not to have your data processed for this purpose. It is also in your interest as a customer that we ensure good information security. You can contact us for more information on how this assessment was carried out. Our contact information can be found in section 12. Your data will be processed for as long as you use a service.
To support you as a vulnerable customer (i.e., if you require additional support when contacting us due to special circumstances). This means that we can offer you special support, e.g., when you contact customer service. From you: Contact and identification data. Sensitive personal data (information about your health). From other sources: Information about your use of Klarna's services. (Klarna) Based on your consent (Art. 6 para. 1 a) and Art. 9 para. 2 a) GDPR). If you inform us that you are no longer considered a vulnerable customer or withdraw your consent. We will also cease this processing if and as soon as you inform us that you no longer wish to be a Klarna customer.
To conduct risk analyses, prevent fraud, and manage risk. We carry out the processing to confirm your identity and ensure that the data you provide is correct, as well as to prevent criminal activity. This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose to determine whether you pose a fraud risk. For more information on profiling and automated decision-making, please see section 6. From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Sensitive personal data: This processing is necessary for Klarna to fulfill a contract with you (Art. 6 para. 1 b) GDPR). We are also legally obliged to verify the identity of our customers (Art. 6 para. 1 c) GDPR), (Swedish Act (2017:630) on measures against money laundering and terrorist financing). Sensitive personal data is processed based on your explicit consent. This processing takes place for the duration of your use of a Klarna service. If Klarna has identified a risk in the way you use Klarna, we will continue to use your data for this purpose and – should a risk of fraud exist – continuously update our risk assessment. We process your data for as long as we are legally obliged to retain it. Further information on our legal retention obligations and rights can be found in Section 9.
To anonymize your personal data and, based on this, to improve our services and products and analyze customer behavior. From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchants) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchants) Device information. (Your device) Service-specific personal data (see Section 3). The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in anonymizing your personal data for product development purposes and analyzing customer behavior to improve our service and customer experience. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. By anonymizing data concerning you, we ensure that we use personal data as little as possible. You can contact us for more information about how this balancing was carried out. Our contact information can be found in section 12. This processing takes place for the entire period that Klarna needs to retain the data in its systems, for example, to fulfill the contract concluded with you or to comply with applicable law. Further information on our legal retention obligations and rights can be found in Section 9.
For conducting data analyses for product development and testing to improve our risk and credit models and to design our services (where possible, the data is anonymized in the first step, i.e., no further processing of personal data takes place). From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchants) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchants) Device information. (Your device) Service-specific personal data (see Section 3). The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in conducting data analyses for product development and testing purposes. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. Furthermore, our customers benefit from the processing, as it helps us provide error-free and sustainable services. You can contact us for more information on how this balancing was carried out. Our contact information can be found in section 12. This processing takes place for the entire period that Klarna needs to retain the data in its systems, for example, to fulfill the contract concluded with you or to comply with applicable law.en. Further information on our legal retention obligations and rights can be found in section 9.
For calculating payment commissions to suppliers (where possible, we anonymize the data first, meaning that no further processing of personal data takes place). From other sources: Information about goods/services. (Klarna) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in calculating payment commissions. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for further information on how this balancing was carried out. Our contact information can be found in section 12. This processing takes place for up to 90 days after using a service.
To create statistics and reports for economic analysis or analysis of payment trends or payment volumes in specific regions or industries (where possible, the data is anonymized in the first step, i.e., no further processing of personal data takes place). From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchants) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) Service-specific personal data (see section 3). The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in compiling statistical data and reports for this purpose. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for further information on how this balancing was carried out. Our contact details can be found in section 12. This processing will take place for the entire period that Klarna needs to retain the data in its systems, for example, to fulfill the contract concluded with you or to comply with applicable law. Further information on our legal retention obligations and rights can be found in Section 9.
To check and verify your identity. From you: Contact and identification data. Processing is necessary for Klarna to fulfill a contract with you (Art. 6 para. 1 b) GDPR). For as long as you use one of Klarna's services.
To share your personal data with the categories of recipients described in Section 7.1 (suppliers and subcontractors, Klarna Group companies, persons with authority over your financial transactions, authorities, and purchasers of receivables, businesses, or assets). All types mentioned in Section 3. Varies depending on the recipient (see Section 7.1). This processing takes place for the entire period that Klarna needs to retain the data in its systems, e.g., to fulfill the contract concluded with you or to comply with applicable law. Further information about our legal retention obligations and rights can be found in Section 9.
To decide what kind of marketing we will offer you. If you do not wish to be processed in this way, please contact us to let us know. We will then stop using your data for marketing purposes. Our contact information can be found in Section 12. The processing may constitute profiling. See Section 6 for more information about your rights. From you: Contact and identification data. From other sources: Information about goods/services. (Merchant) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Service-specific personal data (see Section 3). The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in determining what kind of marketing we should offer you. We guarantee that the associated processing is necessary to pursue this interest and that our interest outweighs your right not to have your data processed for this purpose. This is done taking into account the fact that marketing is listed in the GDPR as an example of a legitimate interest. You can contact us for more information on how this balancing was carried out. Our contact information can be found in section 12.
When the contract between you and Klarna ends, or when you inform us that you are not interested in this processing.
To send you marketing materials and offers about our other products and services similar to those you have already used and which are part of Klarna as a shopping platform. If you do not wish to receive marketing from us, please contact us to let us know. We will then stop processing your personal data for sending marketing materials. Our contact information can be found in section 12. From you: Contact and identification data. From other sources: Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchants) This processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of this balancing of interests, Klarna concluded that we have a legitimate interest in sending you marketing communications about our services and offers. We guarantee that the associated processing is necessary to pursue this interest and that our interest outweighs your right to have your data not processed for this purpose. This is done taking into account that marketing is listed in the GDPR as an example of a legitimate interest. You can contact us for more information on how this balancing was carried out. Our contact information can be found in section 12. If the contract between you and Klarna ends, or if you inform us that you are not interested in this processing.
To provide you with direct marketing about offers, products, or services from Klarna and our shops/partners. From you: Contact and identification data. From other sources: Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) The processing is based on your consent (Art. 6 para. 1 a) GDPR). If you either inform us that you wish to withdraw your consent, or if you inform us that you are not interested in this processing/opt-out.
To protect Klarna from legal claims and to safeguard Klarna's legal interests. All types mentioned in Section 3. In the event of legal proceedings, Klarna may also collect other types of personal data about you if we need them to exercise our rights. The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in being able to protect ourselves from legal claims. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information on how this balancing was carried out. Our contact information can be found in Section 12. This processing takes place for the entire period that Klarna needs to retain the information in its systems, for example, to fulfill the contract concluded with you or to comply with applicable law. Further information on our legal retention obligations and rights can be found in Section 9.


4.2 Purposes for which your personal data is used when you use one of Klarna's payment methods, use Klarna with a merchant, or choose to pay by debit or credit card during the payment process in Klarna's checkout with a merchant.
Purpose of processing - what we do and why. Types of personal data used for the purpose and where they come from (the source). You can find more information about the different types of personal data in Section 3. Legal basis for processing in accordance with the GDPR. At what point the purpose for using the personal dataThe aforementioned data is no longer available. See section 9 for further information on when Klarna deletes data.
To transfer the merchant's right to payment for your purchase to Klarna (“factoring”). From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we (and the merchant) have a legitimate interest in selling or buying your outstanding receivables. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information on how this balancing was carried out. Our contact information can be found in Section 12. At the time of purchase.
To share your personal data with the categories of recipients described in Section 7.2 (merchants, payment service providers and financial institutions, fraud prevention agencies, companies that provide identity information, and Google). From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchants) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Varies depending on the recipient (see section 7.2). Primarily during the purchase, but also for the entire period that Klarna retains the data in its systems, i.e., until the data is deleted. For more information about our legal retention obligations and rights, see section 9.
When you shop at a merchant that offers Klarna as a payment method or uses Klarna's Checkout, we determine the order in which different payment methods are offered to you during the merchant's checkout process. This processing does not affect which of Klarna's payment methods are available to you. If you do not wish for this processing to occur, please contact us to inform us. Our contact information can be found in section 12. This processing constitutes profiling. See section 6 for more information about your rights. From you: Contact and identification data. From other sources: Information about goods/services. (Merchant) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) If you have accepted and are using the Klarna service called "Shopping Service," which is described in more detail in the service's Terms and Conditions (available here), the data is processed on the legal basis of fulfilling the contract between you and Klarna in accordance with Article 6(1)(b) GDPR. If you have not entered into the "Shopping Service" contract, the processing is instead based on a balancing of interests (Article 6(1)(f) GDPR). As part of this balancing of interests, Klarna concluded that we have a legitimate interest in checking the order in which you are offered different payment options during the merchant's checkout process. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information on how this balancing was carried out. Our contact information can be found in Section 12. When displaying payment methods at checkout.
To prevent Klarna's products and services from being used for money laundering or terrorist financing by monitoring and verifying transactions. Klarna also conducts ongoing risk assessments and builds risk models to combat money laundering and terrorist financing. This processing constitutes profiling and automated decision-making. For more information on profiling and automated decision-making, please see Section 6. From you: Contact and identification data. Payment information. Sensitive personal data. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information (your device). Information from external sanctions lists and PEP lists. (Sanctions lists and PEP lists) Sensitive personal data (information about political opinions, religious beliefs and/or health information included in the PEP lists). Service-specific personal data (see section 3 for information about Klarna savings and payment accounts). To comply with laws (Art. 6 para. 1 c) GDPR), (Swedish Act (2017:630) on measures against money laundering and terrorist financing). For sensitive personal data, the basis is that processing is necessary for reasons of public interest (Art. 9 para. 2 g) GDPR). However, if you have provided us with sensitive personal data, it will be processed based on your explicit consent. Once the contract between you and Klarna ends. See section 9 for more information about our obligations and our right to retain information in accordance with legal requirements.
To conduct a fraud prevention check before accepting a purchase. This processing involves profiling and automated decision-making. We use automated decision-making for this purpose to determine whether you pose a fraud risk. For more information about profiling and automated decision-making, see section 6. See also section 7.2.3 about our use of fraud prevention agencies and companies to which your data may be disclosed, and our legal basis for this disclosure. From you: Contact and identification details. Payment information. From other sources: Information about goods/services. (Merchant) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information (your device) In addition, Klarna receives information from fraud prevention agencies and companies about whether your information indicates an attempted fraud. Processing is necessary for Klarna to fulfill a contract with you (Art. 6 para. 1 b) GDPR). When carrying out fraud checks.
For accounting and bookkeeping in accordance with applicable accounting regulations and for the retention of information within the framework of accounting and bookkeeping in accordance with applicable laws. From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchant) Information about your use of Klarna's services. (Klarna) Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) For compliance with laws (Article 6(1)(c) GDPR), (Swedish Accounting Act (1999:1078)). During the accounting period and for 7 years after the end of the year in which the data were collected. For more information about our legal retention obligations and rights, see Section 9.
Performing calculations in accordance with capital adequacy regulations. From you: Contact and identification details. Payment information. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Service-specific personal data (see Section 3 for information about Klarna savings and payment accounts). For compliance with laws (Article 6(1)(c) GDPR), (Capital Adequacy Regulation 575/2013 and Capital Adequacy Directive 2013/36). Seven years after the end of the year in which the data were collected. For further information on our legal retention obligations and rights, please see section 9.


4.3 Purposes for which your personal data will be used when you use one of the payment methodsfrom Klarna, where you are granted credit, or when you use the Klarna Card or the Shopping Service One-Time Card.
The following services involve granting you credit: “Pay Later” (invoice), “Pay Now” (direct debit), “Financing” (installment purchase), the Klarna Card, the Shopping Service One-Time Card, and adding funds by topping up your Klarna account (all available in the Klarna mobile app).
Purpose of processing – what we do and why. Types of personal data used for the purpose and where they come from (source). See section 3 for more information on the different types of personal data. Legal basis for processing in accordance with the GDPR. When the purpose for using the personal data no longer exists. See section 9 for more information on when Klarna deletes your data.
To carry out a credit check before granting credit. This constitutes profiling, and the decision to approve or reject the credit is an "automated decision." See section 6 for more information on profiling and automated decisions. See also section 7.3.1 about our use of credit reference agencies, to which your data may be disclosed, and our legal basis for doing so. From you: Contact and identification details. From other sources: Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) For the conclusion and execution of the credit agreement (Art. 6 para. 1 b) GDPR). Once the credit check is complete.
To share your personal data with the types of recipients described in section 7.3 (credit reference agencies, debt collection agencies and other purchasers of outstanding receivables, as well as VISA, debt purchasers and digital wallet providers). From you: Contact and identification data. Payment information. From other sources: Information about goods and services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Varies depending on the recipient (see section 7.2). Primarily during the purchase, but also for the entire period that Klarna retains the data in its systems, i.e., until it is deleted. Further information on our legal retention obligations and rights can be found in Section 9.
To transfer Klarna's right to payment for your purchase to a new creditor. From you: Contact and identification data. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in selling outstanding loans as part of our business activities. We guarantee that the processing is necessary to pursue this interest and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information on how this balancing was carried out. Our contact information can be found in section 12. Processing can take place as long as the debt remains unpaid (you will be notified if the debt is transferred).
To provide debt collection services, i.e., to collect and sell overdue debts. From you: Contact and identification data. From other sources: Information about goods/services. (Merchants) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchants) The processing is based on a balancing of interests (Art. 6 para. 1 f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in collecting and selling debts. We guarantee that the associated processing is necessary to achieve the purpose of the processing and that our interest outweighs your right not to have your data processed for this purpose. You can contact us for more information about how this assessment was carried out. Our contact information can be found in section 12. Once the claim has been settled.
To prevent Klarna's products and services from being used for money laundering or terrorist financing, transactions are monitored and reviewed, risk assessments are carried out, and risk models are created. This processing constitutes profiling, and if it is determined that you pose a money laundering risk, this is an automated decision. For more information about profiling and automated decision-making, see section 6. From you: Contact and identification details. Payment information. From other sources: Information about goods/services. (Merchant) Information about your financial situation. (Klarna and credit reference agencies) Information about your use of Klarna's services. (Klarna) Technical information generated by your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Device information. (Your device) Information from external sanctions lists and PEP lists. (Sanctions lists and PEP lists) Sensitive personal data (information about political opinions, religious beliefs and/or health information included in the PEP lists). To comply with laws (Art. 6 para. 1 c) GDPR), (Swedish Act (2017:630) on Measures Against Money Laundering and Terrorist Financing). With regard to sensitive personal data, the condition is that the processing is necessary in the public interest (Art. 9 para. 2 g) GDPR). Up to five years after termination.