Data protection
The company's privacy policy
We value the privacy of our customers and will therefore only collect and use your personal information as described in this privacy policy.
1) Obtain information from you as needed or in connection with the transaction.
2) Your data will be retained if this is required by law or in connection with the purpose of collection.
You can browse the Company's website without providing your personal information. If you visit our website without a login user account, you browse anonymously and we cannot identify you.
We look forward to hearing from you. If you have any comments or suggestions, please email them to service@mail.seven-st.com
Collection of personal data
The Company does not sell, share, or trade customer data collected with third parties. Personal information collected online is only shared within the Company group for internal use. When you create a Company account, the basic profile we collect from you includes:
1) Name
2) Delivery address
3) E-Mail-Adresse
4) Contact phone number
5) Date of birth
6) Gender
The personal data we collect from you will be used for the following purposes:
1) Send the goods you purchased from the company
2) Provide the latest news on product delivery status and customer support
3) Provide information about the goods
4) Processing your order or providing services and information based on your request or through our website
In addition, we use the information you provide to manage your account, verify and process your online payment transactions, verify information downloaded from our website, identify the website browser, compile website user statistics, research the relevant product or service, or send information we deem appropriate for you. If you do not opt out of receiving the message, we may share your name and address with a third party (such as a shipping company or supplier) to facilitate delivery.
Note: The freight forwarding company reserves the right to request that you enter the ID number to enable internal customs inspection and facilitate export.
We may store your order information, but for security reasons, we cannot access this information directly. You can log in to your account, access your order details, and review your individual order details. You can also manage your personal address, bank details, and subscribe to newsletters. It is your responsibility to keep your personal data confidential and not to grant unauthorized third parties access to it. We are not liable for any misuse of your 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) Maintenance of 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 situation.
The company uses 128-bit Secure Communications End-to-End Privacy Technology (SSL) to process your financial information. The technology takes at least a trillion years to crack and is a recognized, high-level security measure.
Disclosure of personal data
The Company will not share your personal information with any organization other than the companies that provide the Company's website delivery services and related third parties.
Under 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 will be used for law enforcement purposes.
If you believe the company is violating the privacy policy, please send an email to allwelling.com
Change to the privacy policy
The company reserves the right to change and modify the privacy policy at any time.
Complaint about violation of data protection regulations
If you are dissatisfied with our privacy practices or have any complaints, please contact us at allwelling.com
Klarna's Privacy Policy
It's very important to us that you feel safe when paying with Klarna or using any of our other services. Therefore, this privacy policy provides you with all the information you need about how we use your personal data.
To make it easier for you to find the sections you are interested in, 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 with the Swedish Companies Register under company number 556737-0431 and located at Sveavåml;gen 46, 111 34 Stockholm, which also operates 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 allwelling.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 your data. You can find out about your rights below. If you would like to learn more or contact us, the easiest way to do so is to send us an email to allwelling.com. If you would like to receive information about the personal data Klarna holds about you or would like to have certain data deleted, you can submit a request to us by completing 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 us delete your personal data. This means, for example, that you can request that we delete personal data that we (i) no longer need to fulfill the purpose for which we collected it, or (ii) process on the basis of your consent and where you have withdrawn that consent. There are situations where Klarna is unable to delete your data, such as if the data is still required for the purpose for which it was collected, or Klarna's interest in processing the data outweighs your interest in deleting the data, or because we are subject to a legal obligation 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 immediately deleting certain data. 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, through service-specific FAQs, and by answering your questions.
Right to receive information about your personal data (“right of access of 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 of 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 information and to 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 to fulfill 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, to transfer it to another controller/recipient.
•Right to rectification.
You have the right to request the correction of inaccurate information concerning you or the completion of information concerning you that you consider to be incorrect or incomplete.
•Right to restriction of processing.
If you believe that data is inaccurate, our processing of the data is unlawful, or that we do not need the data for a particular purpose, you can request that we restrict the processing of such personal data. You also have the right to request that we stop 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 such personal data while we conduct our review.
Right to object to the processing of your personal data
You have the right to object to the processing of your personal data based on our legitimate interest (Article 6 (1) (f) GDPR) on grounds of your personal circumstances. Furthermore, you can also object to the use of your personal data for direct marketing purposes at any time. If you notify us that you no longer wish to receive direct marketing information from us, we will stop 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 by Klarna if the decision produces legal effects concerning you or significantly affects you in a similar way. Section 6 explains how Klarna uses automated decisions.
•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 stop 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 supervisory authority for Klarna's processing of personal data. You can reach Integritetsskyddsmyndigheten via the following link. You can also lodge a complaint with your national data protection authority, which you can find in the list here.
Settings in the Klarna mobile app: In the Klarna mobile app, Klarna offers you the option to adjust your preferences for certain services, such as receiving up-to-date notifications or automatically filling in your information when making a purchase.
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 each type 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 you may have, negative payment history, and previous loan 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 on these services, and how you have used them. This includes information about outstanding and previous 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 contacts with Klarna customer service - recorded phone calls, chat conversations and email correspondence.
Your interactions with the merchants you shop at or visit - Information about how you interact with merchants, such as whether you received goods and the types of merchants you shop with.
•Device Information - Device ID, IP address, language preferences, browser settings, time zone, operating system, platform, screen resolution, and similar data about your device 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 includes data revealing religious beliefs, political or philosophical opinions, or trade union membership; data concerning health, sex life or sexual orientation; and biometric data.
Service-specific personal data - As part of our Klarna Shopping Service, as well as in connection with Klarna's savings and payment accounts, Auto-import/Magic import, and Personal Finance, we use additional personal data that does not fall under the types listed above. Information about each service is listed here: The Klarna mobile app and browser extension (as part of the Klarna Shopping Service): All content you upload or provide (e.g., photos, receipts, or product & store reviews), location information, geolocation information, information about browser usage, and the websites you visit in the app's browser or with the installed extension; The 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 connected email account about your completed purchases, product, price and quantity information, tracking numbers, and information about merchants, which we share with the Klarna mobile app; and 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.
•Registration for events on social media: Information about your profile from your social media account and business data such as your employer's name, address and company type.
Detailed information on the relevant personal data for each social media service can also be found here.
4. Which personal data is used for which purposes and on what legal basis?
In the following tables you will learn more about
1. what (for what purpose) we use your personal data,
2. What 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. what rights we have under applicable data protection laws, such as the GDPR, to process data about you, which is referred to as our "legal basis", and
4.when Klarna will stop using the personal data for the respective purpose.
4.1 Purposes for which your personal data will be used in all cases, regardless of the 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 according to the GDPR. At what point the purpose for using the personal data no longer exists. See section 9 for more information on the point in time at which Klarna deletes data.
To manage our customer relationship with you for each service you use, in accordance with our agreements. This includes creating and sending information to you electronically (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 3). Processing is necessary for Klarna to enter into a contract with you (Art. 6 (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 (2) (a) GDPR). If the contract between you and Klarna ends.
To conduct customer satisfaction surveys and market surveys, to conduct consumer research, and to request reviews from you, via email, text messages, phone calls, or other communication channels. If you do not wish to have such processing carried out, please contact us to let us know. See Section 2 for more information about your rights. You can find our contact information 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 through your use of Klarna's services. (Klarna) Your interactions with the merchants you shop at or visit. (Merchant) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the 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 further information on how this balancing was carried out. Our contact information can be found in Section 12. For calls, processing is based on your express consent (Art. 6 (1) (a) GDPR). If the contract between you and Klarna ends.
Ensuring network and information security for Klarna services. From you: Contact and identification data. From other sources: Information about your use of Klarna services. (Klarna) Technical information generated through your use of Klarna services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchant) Device information. (Your device) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in being able to ensure 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 further information on how this balancing exercise 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 need additional support when contacting us due to special circumstances). This means 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 status). From other sources: Information about your use of Klarna's services. (Klarna) Based on your consent (Art. 6 (1) a) and Art. 9 (2) a) GDPR). If you notify us that you are no longer a vulnerable customer or withdraw your consent. We will also stop this processing if and when you notify us that you no longer wish to be a Klarna customer.
To conduct risk analyses, prevent fraud, and manage risk. We process your personal data to confirm your identity and ensure that the data you provide is accurate, as well as to prevent criminal offenses. This processing constitutes profiling and automated decision-making. We use automated decision-making for this purpose to determine whether you pose a risk of fraud. For more information on profiling and automated decision-making, see Section 6. 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 contacts with the merchants you shop at or visit. (Merchant) Device information. (Your device) Sensitive personal data. Processing is necessary for Klarna to perform a contract with you (Article 6 (1) (b) GDPR). We are also legally obliged to verify the identity of our customers (Article 6 (1) (c) GDPR) (Swedish Anti-Money Laundering and Terrorist Financing Measures Act (2017:630)). 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 your data. For more information about our statutory retention obligations and rights, see Section 9.
To anonymize your personal data and use it 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 through your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) Device information. (Your device) Service-specific personal data (see Section 3). Processing is based on a balance of interests (Art. 6 (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 service and the customer experience. We ensure 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 minimally as possible. 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 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. For further information on our statutory retention obligations and rights, please see Section 9.
To conduct data analysis 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, meaning no personal data is processed afterwards). 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 contacts with the merchants you shop at or visit. (Merchants) Device information. (Your device) Service-specific personal data (see Section 3). Processing is based on a balance of interests (Art. 6 (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 ensure 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 because it helps us provide error-free and sustainable services. 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 will continue for as long as Klarna needs to retain the data in its systems, e.g., to fulfill the contract we have with you or to comply with applicable law. Further information on our statutory retention obligations and rights can be found in Section 9.
To calculate payment commissions to suppliers (where possible, we anonymize the data first, which means that no further processing of personal data takes place after this). From other sources: Information about goods/services. (Klarna) Information about your use of Klarna's services. (Klarna) Technical information generated through your use of Klarna's services. (Klarna) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balance of interests, Klarna concluded that we have a legitimate interest in calculating payment commissions. We ensure 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 exercise was carried out. Our contact information can be found in Section 12. This processing takes place up to 90 days after you use a service.
To create statistics and reports for economic analyses or analyses of payment trends or payment volumes in specific regions or industries (where possible, the data is anonymized in the first step, i.e., no personal data is processed subsequently). 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). Processing is based on a balance of interests (Art. 6 (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 ensure 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. You can find our contact information in Section 12. This processing will take 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 on our statutory 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 (1) (b) GDPR). 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, public authorities, and purchasers of claims, businesses, or assets). All of the types mentioned in Section 3. Vary depending on the recipient (see Section 7.1). This processing will continue for as long as Klarna needs to retain the data in its systems, e.g., to perform the contract we have with you or to comply with applicable law. For more information about our legal retention obligations and rights, see Section 9.
To decide what type of marketing we will offer you. If you do not wish to receive such processing, please contact us to let us know. We will then stop using your data for marketing purposes. You can find our contact information in Section 12. The processing may constitute profiling. See Section 6 for more information on 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). Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in determining what type of marketing we should offer you. We ensure 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 that marketing is listed in the GDPR as an example of a legitimate interest. You can contact us for further 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 notify us that you are no longer 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 to send you marketing materials. You can find our contact information in Section 12. From you: Contact and identification data. From other sources: Information about your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) The processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balance of interests, Klarna concluded that we have a legitimate interest in sending you marketing communications about our services and offers. We ensure 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 that marketing is listed in the GDPR as an example of a legitimate interest. You can contact us for more information about how this balancing exercise was carried out. You can find our contact information in Section 12. If the contract between you and Klarna ends, or if you notify us that you are no longer interested in this processing.
To provide you with direct marketing about offers, products, or services from Klarna and our stores/partners. From you: Contact and identification data. From other sources: Information about your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) Processing is based on your consent (Art. 6 (1) (a) GDPR). If you either notify us that you wish to withdraw your consent or if you notify us that you are not interested in this processing/opt-out.
To protect Klarna from legal claims and safeguard Klarna's legal interests. All types mentioned in Section 3. In the event of a legal dispute, Klarna may also collect other types of personal data about you if we need it to exercise our rights. The processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balance of interests, Klarna concluded that we have a legitimate interest in being able to protect ourselves from legal claims. We ensure 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. You can find our contact information in Section 12. This processing will take 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 statutory retention obligations and rights can be found in Section 9.
4.2 Purposes for which your personal data will be 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 it comes from (the source). See Section 3 for more information about the different types of personal data. Legal basis for processing according to the GDPR. At what point the purpose for using the personal data no longer exists. See Section 9 for more information on the point in time at which 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 through your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchant) Device information. (Your device) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balancing of interests, Klarna concluded that we (and the merchant) have a legitimate interest in selling or purchasing your outstanding receivables. We ensure 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. 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 organizations, 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 through your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) Device information. (Your device) Varies depending on the recipient (see section 7.2). Primarily during the purchase, but also throughout the entire period Klarna retains the data in its systems, i.e., until the data is deleted. For more information on our statutory retention obligations and rights, see section 9.
When you shop with a merchant that offers Klarna as a payment method or uses Klarna's checkout, we determine the order in which different payment methods should be offered to you in the merchant's checkout flow. This processing does not affect which of Klarna's payment methods are available to you. If you do not wish to have such processing, please contact us to let us know. You can find our contact information 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 contacts with the retailers you shop at or visit. (Retailers) If you have accepted and use the Klarna service called "Shopping Service," which is described in more detail in the service's terms and conditions, which you can find here, the data will be processed on the legal basis of the fulfillment of the contract between you and Klarna in accordance with Art. 6 (1) (b) GDPR. If you have not concluded the "Shopping Service" contract, the processing will instead be based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balancing of interests, Klarna concluded that we have a legitimate interest in reviewing the order in which different payment options are offered to you in the merchant's checkout process. We ensure 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 when displaying payment methods in the 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 creates 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, see Section 6. 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 contacts 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's savings and payment accounts). To comply with laws (Art. 6 (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 (2) (g) GDPR). However, if you have provided us with sensitive personal data, it will be processed on the basis of your explicit consent processed. Once the contract between you and Klarna ends. See Section 9 for further 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 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 about profiling and automated decision-making, see Section 6. See also Section 7.2.3 about our use of fraud prevention agencies and companies with whom your data may be shared and our legal basis for doing so. From you: Contact and identification data. Payment information. 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 contacts with the retailers you shop at or visit. (Merchant) Device information (your device). In addition, Klarna receives information from fraud prevention institutions and companies about whether your information indicates a fraud attempt. Processing is necessary for Klarna to fulfill a contract with you (Art. 6 (1) (b) GDPR). When conducting fraud checks.
For bookkeeping and accounting purposes in accordance with applicable accounting regulations, as well as to retain information related to bookkeeping and accounting in accordance with applicable laws. From you: Contact and identification data. Payment information. From other sources: Information about goods/services. (Merchants) Information about your use of Klarna's services. (Klarna) Information about your use of Klarna's services. (Klarna) Your contacts with the merchants you shop at or visit. (Merchants) To comply with the law (Art. 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 was collected. For more information about our statutory retention obligations and rights, see Section 9.
Carrying out calculations in accordance with capital adequacy regulations. 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) Service-specific personal data (see Section 3 for information about Klarna's savings and payment accounts). To comply 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 was collected. For further information on our statutory retention obligations and rights, please see Section 9.
4.3 Purposes for which your personal data will be used when you use one of Klarna's payment methods where you are granted credit, or when you use the Klarna Card or the Shopping Service's one-time card.
The following services include granting you credit: "Pay Later" (invoice), "Pay Now" (payment by direct debit), "Financing" (installment purchase), the Klarna Card, the One-Time Shopping Service Card, and depositing money 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 about the different types of personal data. Legal basis for processing according to the GDPR. At what point the purpose for using the personal data no longer exists. See section 9 for more information on the point in time at which Klarna deletes data.
To conduct a credit check before granting credit. This constitutes profiling, and the decision to approve or reject 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 whom your information may be shared 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 implementation of the credit agreement (Art. 6 (1) (b) GDPR). As soon as the credit check is completed.
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 debts, 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. (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) Device information. (Your device) Varies depending on the recipient (see section 7.2). Primarily during the purchase, but also throughout the entire period Klarna retains the data in its systems, i.e. until it is deleted. Further information on our statutory 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. (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) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). In the context of the balance of interests, Klarna concluded that we have a legitimate interest in selling outstanding loans as part of our business activities. We ensure that 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 further information on how this balancing exercise was carried out. Our contact information can be found in Section 12. Processing may take place while the claim remains unpaid (you will be notified when the claim 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 contacts with the merchants you shop at or visit. (Merchants) Processing is based on a balance of interests (Art. 6 (1) (f) GDPR). As part of the balance of interests, Klarna concluded that we have a legitimate interest in collecting and selling debts. We ensure 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 exercise 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 performed, and risk models are created. This processing constitutes profiling, and if it is decided that you pose a money laundering risk, this constitutes an automated decision. For more information on profiling and automated decisions, see Section 6. 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 contacts 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 (1) (c) GDPR), (Swedish Act (2017:630) on Measures against Money Laundering and Terrorist Financing). Regarding sensitive personal data, the condition is that the processing is necessary in the public interest (Art. 9 (2) (g) GDPR). Up to five years after termination