Klarna’s Privacy Policy

1. Other Klarna privacy policies

The services Klarna Ident and Klarna Open Banking use your personal information in accordance with what is stated in those Services’ separate privacy policies, which are presented to you when you use those services. Those separate policies apply instead of this Privacy Policy. Separate privacy policies may also apply for specific campaigns or offers which are temporarily available. If so, such separate privacy policies are presented in connection with the campaign or offer.

If you are employed by Klarna, a candidate applying for a job at Klarna, or an employee of a store that cooperates with Klarna, other privacy policies apply to Klarna’s processing of your personal information for these purposes, and you will be provided the relevant information in connection to your contact with Klarna. Contact us using the information in Section 14 below if you want a copy of the relevant privacy policy.

Klarna will collect, use or disclose your personal information with your knowledge and consent, as set out in this Policy, or where otherwise required or permitted by law. Consent may be expressed or implied. Consent is implied if we provide you with information about how we will process your personal information, and you choose to provide it to us. If you do not consent to Klarna collecting, using and/or disclosing your personal information, this may affect our ability to deliver our products and services, or to or do business with you.

2. What information do we use?

2.1 Information you give us

You may give us information about yourself when you use one of Klarna’s Services, for example when you choose to pay with one of Klarna’s payment methods, contact us, or use the Klarna App. Please note that you are only allowed to provide your own personal information when using the Services for the Services to be provided correctly.

Depending on which Service you choose to use, this personal information will be:

• Contact- and identification information – name, date of birth, national ID number, title, billing and shipping address, email address, mobile phone number, nationality, salary, employment and employment history, audio recordings, photos of you and your ID card.

• Payment information – credit and debit card data (card number, validity date, and CVV code) or bank account number.

You can at any time change your profile information such as your contact information and other editable settings. This can be done either in the Klarna App or by contacting us.

2.2 Information we collect about you

Depending on which Services you choose to use, we may collect the following information about you, either ourselves or via third parties (for example fraud prevention bureaus, stores, or public databases):

• Contact- and identification information – name, date of birth, national ID number, title, occupation, gender, billing and shipping address, email address, mobile phone number, nationality, audio recordings, biometric information, photos and video recordings of you and your ID card etc.

• Information on goods/services – details about the goods/services you purchase or order, including, for example, type of goods or shipment tracking number.

• Information about your financial standing - Information about your outstanding balance, negative payment history, information related to fees, and previous credit approvals.

• Information about the interaction between you and Klarna – how you use the Services, including information on outstanding and historical debts and your repayment history with Klarna; technical data such as page response times, download errors, personal preferences; your interactions with Klarna's customer service, etc.

• Recorded telephone conversations – we record telephone conversations if you call our customer service, and sometimes when we call you, if we inform you about this at the start of the call.

• Information about the interaction between you and stores - your dealings with stores you visit or shop with, such as information about whether you have received the goods, and type of store.

• Device information – e.g. IP address, language settings, browser settings, time zone settings, operating system and platform and screen resolution. To learn more about how we may collect information from your device, or store information on your device, please see Section 12 below.

• Information from external sanction lists and PEP lists – we may screen your information against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons (‘‘PEP’’). These lists include information such as name, date of birth, place of birth, occupation or position and reason for being listed.

• Service-specific information – in order to provide you with some of our Services we may collect and process additional personal information that is not covered by the above categories. Please see Section 3 below in order to find out which additional personal information is processed for the respective Service.

3. What personal information do we process and for what purpose

Depending on which Services you use, Klarna may process your personal information for the purposes listed below. You can find more specific information about how we process your personal information in some of our Services in Section 3 below.

We process personal information with your consent except as permitted or required by law. Consent may be expressed or implied. For example, if we provide you with information about how we may process your personal information at the time personal information is requested, and you provide the requested personal information, consent is implied.

If you do not consent to Klarna collecting, using and/or disclosing your personal information, this may affect our ability to deliver our products and services. By utilizing the Klarna Services, you consent to the processing of your personal information in the ways described below.

Processing in order to provide the Services

Product improvement and research

Compliance and to protect Klarna from legal claims

To provide marketing

4. Service-specific processing of personal information in some of Klarna’s Services

This Section sets out certain processing of your personal information which is specific for certain Services. To learn more about our Services, and their included features, please consult the terms and conditions of the respective Service. 

4.1 Offers and event invitations posted on social media

If you have clicked on one of our offers or event invitations posted on social media, we may get access to contact information which forms part of your profile (for example your name, email address, telephone number and other relevant information such as the name of your employer, its address, and type of business). We use this information to supply you with the requested Service, and to supply you with marketing and offers about our Services. You can always opt out from this by contacting us, see Section 14.

4.2 The Klarna user experience delivered under the Klarna Services Terms

To be able to deliver a smoooth user experience, both before and after you have performed a purchase, Klarna offers the Services described below, and which are also described in more detail in the Klarna Services Terms. The use of these Services involves the following processing of your personal information: 

Historical transactions

We save information about the goods/services you purchase using our Services, or otherwise choose to give us access to, in order to display this information to you.

Autofill of your information

Autofill of your information can be done in two ways – through your interaction and / or through a cookie:

Autofill through your interaction

When you use the Services, we may ask for your contact- and identification information, such as name, address, telephone number, email, birth date and/or national ID number, as well as other information as applicable. We will keep this information in our systems, and when you return to us or use our Services you will only need to provide some information such as phone number, email, zip-code, or national ID number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through cookie

An additional method we may use to autofill your information is by placing cookies on your device (computer, tablet, mobile phone, etc.), which enable you to choose to save your information such as name, address, telephone number, email, date of birth, national ID number, and card details with Klarna. If you do so, we then use the cookie to fetch those details from Klarna when you use our Services with the same device. We will then autofill your details when you interact with Klarna.

Deactivation of Autofill

If you don’t want to use the autofill functionalities you can contact us to adjust your settings. You can also adjust your settings in the Klarna App directly or in the purchase process at a store. You can at any given time delete cookies on your device, which will delete our cookies as well.

Preselected preferred payment methods

Klarna can assess which payment method is your preferred way of paying when shopping, and preselect this payment method for you. This processing and presentation does not, however, affect which payment methods are available to you. For this assessment, Klarna processes information about the interaction between you and Klarna, such as information about your previously selected payment methods, purchase amount(s) and store. This processing constitutes profiling. Please see Section 6 for more information on profiling.

Offers and benefits

To be able to offer you benefits such as discounts, special events, pre-access to products, sales promotions, store offerings, sampling, giveaways, etc, we look at information about the interactions between you and Klarna (such as the number of purchases under a certain time period), your contact- and identification information, information on goods/services, and information about the interaction between you and stores. This may involve profiling. Please see Section 6 for more information on profiling.

The information will form the basis for Klarna’s marketing and customer analytics, business- and method development, as well as statistics.

Within the offers and benefits program, Klarna and Klarna’s suppliers and subcontractors (on Klarna’s behalf), may use this information to communicate with you and deliver offers and benefits, via physical mail, text messages, email, social media and other digital channels. Klarna and its suppliers and subcontractors will not use any direct marketing channel for this purpose (e.g. email or text-messages) if you have opted out from direct marketing (respectively if you have not opted in, if that is legally required in your country of residence).

You can opt out from offers and benefits either by deregistering using the link provided in each email from us, or by contacting us, see Section 14 below.

The Klarna App

If you use the Klarna App, additional personal information will be processed to provide the Services you choose to use within the Klarna App, as set out below. Furthermore, when you choose to redeem rewards or take part in specific deals, the provider of such offers may be able to deduce your use of Klarna’s services.

• Personalized articles and ads: you will be able to see personalized articles and ads based on your previous purchases, contact and identification information, information on goods or services, information about the interaction between you and Klarna, and information about the interaction between you and stores, device information and service-specific information.

• Links that are sponsored: if you click on a link that is sponsored and that promotes a store, product or service, you will be redirected to the store’s website through a third party, a so-called “affiliate network” (further explained in Section 7.13). The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in the Klarna App which is then used to track your visit to a store in order to calculate a potential commission to Klarna.

• Personalized Klarna overview: an overview is displayed, where you can view the status of your Klarna purchases and view your purchase history, access potential refunds, settle payments and extend your payment terms. 

• Curated shopping collections: If you have shared with us information about what topics, products and services you are generally interested in, we will use this information to provide you with personalized shopping collections, where you may find products and services tailored to your interests.

• Delivery and parcel tracking: you may in some cases be able to track the route of your parcel.

• Possibility to “follow” stores: if you choose to “follow” a store, you receive information about campaigns connected to that store. Klarna will then automatically assess whether your purchases entitles you to discounts or other offers within that store’s ongoing campaign.

• Customer service: when you contact the Klarna customer service through the Klarna App we will have access to the information you provide.

• Auto-import/Magic Import: If you have connected your email account to the Klarna’s Auto-import/Magic Import service, Klarna will regularly access your email account and extract purchase related information such as tracking ID’s and other information about goods and services and the interaction between you and stores, in order to populate this information into the Klarna App. You may at any time turn this service off, thereby removing Klarna’s access.

• Store locator: You can choose to share your location with us, in which case we will use this information to show stores close to you. You may at any time turn off this sharing in your device. Klarna will not keep your location after we have shown the stores to you.

• The in-app web browser: The Klarna App contains a web browser in which you may access stores’ websites and online shops in order to then shop using Klarna’s payment methods also with stores that do not yet use our payment methods. Klarna collects information about how you use the browser in order to provide you with relevant deals and offers. Furthermore, websites you visit may set their own cookies and other tracking technologies on your device.

• Wishlist: You can choose to add products and services in the Klarna App to your Wishlist, in order to find them later, or track their prices. You may also share your Wishlist with other people such as friends and family, and they will then be able to see your profile picture and profile name. In some cases, if you are logged in to a store’s website, the link to a product or service you choose to add to your Wishlist may include personal information about you from that website, such as your email address.

• Profile picture: You can choose to upload a profile picture in the Klarna App, in which case this picture may be shown in various Klarna interfaces (for example in the checkout of a store that uses Klarna, or in the Klarna App). Klarna’s interfaces may also be embedded in stores’ apps. The picture may also be shown to others if you share your device with others (while using autofill through cookies), or if you choose to share content from your Klarna App with others. You may at any time erase your picture in the App or by contacting us.

5. Revoking consent

In cases where Klarna processes your personal information based on your consent , you can at any time revoke this consent, either by contacting us or by deleting your uploaded personal information in the Klarna App.

6. Klarna’s profiling and automated decision making

“Profiling” means automated processing of personal information to evaluate certain personal aspects relating to you, for example in order to analyze or predict aspects of your financial situation or your preferences, such as purchase interests. We use profiling based on the personal information we have about you in order to take individual or automated decisions about you, for the following purposes:

Decisions without legal or similarly significant effect

Klarna makes the following decisions without legal or similarly significant effects for you;

• Predicting what marketing content would be of interest to you. You can always object to this and deregister from the marketing and this profiling, by contacting us. For further information about our processing of personal information for marketing purposes, see Section 3 above);

• Deciding what loyalty bonuses would suit you (See Section 4.2 Offers and benefits above for further information);

• Deciding on the most suitable way to contact you concerning outstanding debt (see Section 3 for further information);

• Deciding which content to display to you in the Klarna App. See Section 4.2 The Klarna App for further information.

• Deciding in which order different payment methods should be presented to you in the checkout of a store that uses Klarna.

In addition, some of our Services (such as when you connect bank accounts and similar accounts in our Klarna App), use profiling in order to deliver the applicable Service to you, for example delivering relevant financial insights to you, or to select which offers to give you, in accordance with the terms of the relevant Service.

Decisions with legal or similarly significant effect

Automated decision making with legal effects, or automated decisions with similarly significant effect, means that some decisions in our Services are solely based on automatic means, without any interaction from any of our employees, and carry a significant impact on you as a consumer with them. By making such decisions in an automated fashion, Klarna increases objectivity and transparency in the decisions when offering those Services.

We use this type of automated decision making when we:

• Decide to approve your application to use a credit Service;

• Decide not to approve your application to use a credit Service;

• Decide whether you pose a fraud- or money laundering risk, if our processing reveals that you display behaviour consistent with money laundering or fraudulent conduct, that your behaviour is inconsistent with your previous use of our Services, or that you appear to have deliberately hidden your true identity. In relevant cases, Klarna also checks whether or not a specific customer is listed on a so-called sanction list.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details in Section 14 below.

See Section 3 for further information on the types of personal information processed for these purposes.

7. Who might we share your personal information with?

We may share your personal information with the categories of recipients listed below, for the purposes listed below. Exactly which recipients we share your personal information with, and for which purposes, will depend on which Service you use. When we share your personal information, we take all reasonable contractual, legal, technical, and organisational measures to ensure that your personal information is treated with an adequate level of protection and in accordance with applicable law. 

7.1 Suppliers and subcontractors

Klarna may share personal information with the suppliers and subcontractors we use in order to provide our Services to you. Suppliers and subcontractors are companies who are only entitled to process the personal information they receive from Klarna on Klarna’s behalf. Examples of such suppliers and subcontractors are software- and data storage providers, payment processing services, and business consultants.

7.2 Stores

Klarna shares personal information with the stores you visit or purchase from (which may include the stores’ group companies if you have been informed about this by the store). This is done in order to allow the store to execute and administer your purchase, and administer your relationship with the store or its company group, for example by verifying your identity, send you the goods, manage questions and disputes, send relevant marketing and prevent fraud. The personal information shared with a store will be subject to the store’s privacy policies and practices.

7.3 Payment service providers (“PSPs”) and financial institutions

PSPs provide stores and Klarna with services for accepting electronic payments through a variety of payment methods including credit card, and bank-based payments such as direct debit, bank transfers, etc. Some stores use PSPs with which they share your information for the processing of payments. This sharing is done in accordance with the stores’ own privacy policies. The stores may also, for the processing and administration of payments, require us to share your information with the PSPs. Some PSPs also collect and use your information independently in accordance with their own privacy policies. This is for example the case if you use a digital wallet.

In addition, Klarna may share your information with other financial institutions when you conduct transactions with your account, in order to perform the transactions.

7.4 Fraud prevention agencies and companies that supply identity lookups

Your personal information may be shared with fraud prevention agencies and companies that supply identity lookups in order to verify your identity, the accuracy of the personal information you have provided us with, and to prevent criminal activities. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal information to detect, investigate and prevent crime.

7.5 Klarna Group

Your information may be shared with companies within the Klarna group where necessary to provide a Service to you or where the Klarna Group company acts as a service provider to Klarna.

7.6 Social media companies

If you contact us through social media such as Facebook or Twitter, your personal information will be recorded and processed by those companies, in accordance with their privacy policies.

7.7 A person holding a power of attorney of your affairs

Klarna will share your personal information with a person holding a power of attorney from you, allowing the person holding the power of attorney to receive such personal information. This sharing will be done based on your consent.

7.8 Google

When you use the Klarna App through a web browser, Google will collect your device information through its reCAPTCHA service implemented there, sometimes combined with any information you enter into the reCAPTCHA service. Klarna will also share an identifier and your telephone number with Google. Google will process this information in line with its own privacy policy. Klarna processes this personal information to prevent misuse of our Services.

7.9 Authorities

Klarna may disclose necessary information to authorities such as the police, tax agencies or other authorities if we are required to do so by law, or under some circumstances if you have requested us to do so. One example of such legally required disclosures is disclosure for purposes of anti-money laundering and counter terrorist financing.

7.10 Logistics and transportation companies

Klarna may share your information with logistics and transportation companies that deliver the goods you have ordered, if you have opted in to parcel tracking. Examples of personal information we share are contact- and identification information and tracking number. Please note that the logistics and transportation companies process your personal information in accordance with their own privacy policies.

7.11 Partners within the Personal Finance Service and the Offers and benefits program

If you choose to take part of offers and benefits which Klarna provides within the Personal Finance Service or through the Offers and benefits program, Klarna may share the personal information that is necessary to enable you to access offers made in cooperation with our partners (this includes the fact that you are a customer of Klarna). Which personal information is shared is presented in connection with every offer.

7.12 Debt Collection Agencies

Klarna may share your information with third parties, such as debt collection agencies, when necessary to collect unpaid debts. The debt collection agencies may process your personal information in line with their own privacy policies, or on Klarna’s behalf.

7.13 Affiliate Networks

Klarna may share the information that you have clicked on a link that is sponsored (i.e. links that promote stores, products or services) with “affiliate networks.” This sharing takes place when you click on a link that is sponsored as you will then be redirected to the store’s website through the “affiliate network”. The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in one of Klarna’s interfaces, in order to track your visit to a store and calculate potential commission to Klarna. The affiliate networks may process your personal information in line with their own privacy policies.

7.14 Divestment

• In the event that Klarna sells or buys any business or assets, Klarna may disclose your personal information to the prospective seller or buyer of such business or assets.

• If Klarna or substantially all of its assets are acquired by a third party, personal information about Klarna’s customers may be disclosed and shared.

  7.15 Credit Information Bureaus

  In Canada, Klarna sends the credit information bureau your contact- and identification information (first name, last name and date of birth) to receive a credit look-up on you when you apply for credit. Your personal information is shared in order to assess your creditworthiness, to confirm your identity and to protect you and other customers from fraud. This credit lookup does not affect your credit rating. However, Klarna may transfer unpaid debt to debt collection agencies and the debt collection agency may in turn share information about your late payments with the credit information bureau, which may affect your credit rating.

  In addition to the credit look-up, Klarna will also on a quarterly basis report your contact- and identification information, information about the interaction between you and Klarna, information on your financial standing, information on goods/services bought, and information about the interaction between you and stores, to the credit information bureau. The credit information bureau will anonymise this information and use it for the purpose of performing data audits, quality control testing, industry insights, and simulation to allow for recommendations on approach in terms of reporting, scoring of data, and building and enhancing its products and services. This reporting will not affect your credit rating. The credit information bureau will process your personal information in accordance with its own privacy policy.

  Credit information bureau used:
  TransUnion of Canada, Inc
  3115 Harvester Road, Suite 201 Burlington ON L7N3N8
  https://www.transunion.ca/
  Privacy Policy: https://www.transunion.ca/Privacy

8. Where do we process your personal information?

In certain situations, such as when we share your personal information with a Klarna group company or a supplier or subcontractor located outside Canada, your personal information may be transferred to, and processed in, a destination outside of Canada. If the store where you choose to shop is located outside Canada, our personal information sharing with that foreign store (or with another company within the Klarna group) means that your personal information will be processed in this country outside Canada (click here to access the privacy policies for other Klarna entities in the Klarna group). Otherwise it would not be possible to administer your purchase.

We ensure that an adequate level of protection is maintained, and that suitable safeguards are adopted in line with applicable data protection legislation requirements when we transfer your personal information outside Canada. Internally, relevant entities are bound by global policies and procedures.

Depending on your interactions with Klarna, your personal information could be processed in:

The European Union
India
New Zealand
Switzerland
The United States
Australia

9. How long do we process your personal information?

Personal information is maintained on our servers. We will process your personal information for the time period needed to fulfill the respective purpose of our processing. These purposes are described in this Privacy Policy. This means that even though we stop processing your personal information for one purpose, we may still need to keep your personal information, if the personal information is needed for another purpose, using it only for that other purpose. In particular:

• For as long as you have accepted our Klarna Shopping Service Terms, and until you terminate those terms (by contacting us or by instructing us to delete personal information, for example by way of a right to erasure request), we will process the personal information we need to be able to deliver the Services to you, including but not limited to personal information relating to your previous purchases.

• We process debt-related personal information for the purpose of new credit assessments for a time period of three (3) years following the conclusion of the debt - by payment of the debt, the debt being written off by Klarna or sale of the debt by Klarna.

• We process the recordings of telephone conversations for a time period of 90 days for quality assurance purposes, but may keep the recordings for up to two years for fraud investigation purposes. We may also retain recordings of outbound calls for up to two years, in order to document what has been decided on the call.

• We process personal information for the purpose of complying with applicable laws, such as consumer rights legislation, banking- and anti-money laundering legislation and bookkeeping rules. Depending on the applicable legislation, your personal information may be processed up to ten (10) years after the end of the customer relationship.

10. How do we protect your personal information?

How do we protect personal information?

Klarna uses reasonable security measures to protect your personal information from unauthorized access and use in compliance with applicable law. These measures include computer safeguards and encrypted, secured files and buildings. We also maintain other physical, technical, administrative, and procedural safeguards to protect personal information, and access to personal information is limited to the employees who require it for their job functions. Please be aware that despite our efforts, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

11. Your rights in regards to the personal information

• Right to be informed. You have the right to be informed about how we process your information. We do this through this Privacy Policy, other information on our website, and by answering questions sent to us.

• Right to access your data. You may request a copy of your data if you would like to know what personal information we process about you (“consumer extract’’). This copy of your personal information can also be transmitted in a machine readable format (i.e. “data portability”).

• Right to rectification. You have the right to correct inaccurate or incomplete information about yourself. As described in more detail in Sections 3 and 9 above, Klarna however needs to adhere to certain legal obligations preventing us from immediately deleting some of your personal information.

• Right to erasure. You have the right to request deletion of your personal information, for example when it is no longer necessary for us to process the data for the purpose it was collected, or when you have withdrawn your consent. As described in more detail in Sections 3 and 9 above, Klarna however needs to adhere to certain legal obligations preventing us from immediately deleting some of your personal information.

• Right to withdraw consent. Where we process your personal information based on consent, you may withdraw this consent at any time.

• Controlling service settings in the Klarna app. In the Klarna app, Klarna provides possibilities for you to customize your preferences for certain Services, for example when it comes to whether you want to receive notifications or personalized marketing. We will always respect your choices.

12. What about cookies and other tracking technologies?

Klarna uses cookies and other tracking technologies for two objectives, to deliver a personalized shopping experience, and to prevent fraud. The exact cookies and tracking technologies differ between Klarna’s services and interfaces. In each of these Klarna will provide you with the relevant information. You will also be able to accept or reject the relevant tracking technologies, in the respective service or interface. Despite this, below you can read general information about how Klarna uses cookies and tracking technologies to achieve the two objectives.

A personalized shopping experience

To deliver a smoooth and personalized shopping experience to you, we use cookies and similar tracking technologies in our online interfaces, such as our website, the Klarna App and the checkout of stores that cooperate with Klarna. In each of these cases Klarna will provide you with specified information regarding the circumstances relevant for the interface. In each such interface you will also be able to accept or reject the relevant cookies and tracking technologies.

Fraud prevention

In some interfaces Klarna uses cookies and tracking technologies for fraud prevention purposes. Just as with other cookies and tracking technologies used by Klarna you will be provided with specified information relevant to each interface at the time of your interaction. In general the cookies and tracking technologies used for this purpose consist of the collection of certain data points which, together with a unique identifier assigned to the device, allows Klarna to assess the risk of fraud connected to the device. Examples of data points collected are device type, device attributes, device location and device web activity. Klarna shares the collected personal information with one company that provides Klarna with input to Klarna’s fraud risk assessment. These cookies and tracking technologies are strictly necessary for Klarna in order to provide its services.

To learn more about how these companies handle the personal information shared with them, please visit:

• Processing Notice ThreatMetrix

These cookies and tracking technologies are set on your device which remain on the device for a period of fifteen (15) months. The personal information collected through these tracking technologies is used by Klarna for a period of up to seven (7) years. These time periods have been selected to ensure the accuracy of identification of individuals with the intent to abuse Klarna’s service.

13. Updates to this Privacy Policy

We constantly work to improve our Service offerings, in order for you to get an even smooother user experience. This includes both changes in existing Services and new Services over time. It’s therefore important that you read this Privacy Policy each time you use a Klarna Service, since the processing of your personal information can differ since you last used one of our Services.

14. Contact details

Klarna Canada Limited, with a registered office at 100 University Ave., Room 06-166, Toronto, ON M5J 1V6, Canada. If you have any questions, visit www.klarna.com/ca for further information on Klarna or contact Customer Service at dataprotection.ca@klarna.com or online here. Klarna has a Privacy Officer (Joseph Arnold) responsible for ensuring data protection regulations are complied with. The Privacy Officer can be contacted at dataprotection.ca@klarna.com by indicating “Attn: Privacy Officer” on the subject line.