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Policies retrieved Oct 20, 2026 About these sources
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E-commerce
Klarna helps shoppers compare prices and find stores through its site, where listed merchants operate independently.
klarna.com ↗U.S. adult consumer · plan and state unspecified
Originally analyzed Report updated
Explore what these saved policies say about your data, content, account, and payments.
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Klarna reports selling or sharing identifiers and app-use data for advertising, including cross-context ads; some state-law opt-out rights apply.
For credit applications or specific transactions, Klarna uses activity data in models that estimate default risk and help set eligibility or credit limits.
The terms reserve the right to end your account access and ability to post to the site with or without cause and with or without notice.
For credit applications or specific transactions, Klarna uses activity data in models that estimate default risk and help set eligibility or credit limits.
This applies when Klarna evaluates a transaction or credit application using these models; opt-out rights depend on applicable law and may have exceptions.
If you connect a bank account through Open Banking, Klarna collects balances, income or salary deposits, and transaction history.
This applies only if you choose to connect a bank account through Klarna Open Banking.
If you use Klarna’s AI assistant, it retains information about you and previous queries in a memory tab you can review and edit.
This applies if you use Klarna’s AI assistant.
If you connect Auto-Track, Klarna processes purchase and email details to show deliveries and purchases, and shares the data with a service provider.
This applies only if you connect to Auto-Track.
Klarna reports selling or sharing identifiers and app-use data for advertising, including cross-context ads; some state-law opt-out rights apply.
The policy describes opt-out rights under applicable state privacy laws; it does not establish that every state provides the same rights.
Review the US Regional Privacy Notice’s sale/share opt-out information; Klarna says it honors Global Privacy Control signals sent by a browser or device.
If you upload or share content through Klarna, its terms say it becomes publicly available and others may use or share it further.
This applies only if you choose to upload, publish, or share content through Klarna.
Avoid sharing content you do not want available to others or further shared.
If you send suggestions for site or materials changes, Klarna claims the rights to ideas in them and may use them without credit or payment.
This applies to feedback suggesting changes to the site or materials, including new features or functionality.
If you use Personal Cashback, Klarna’s terms say it may close or limit the account at any time, for any reason or no reason, without notice.
This applies to a Klarna Personal Cashback account.
The terms reserve the right to end your account access and ability to post to the site with or without cause and with or without notice.
Some questions remain open in the saved text. Any supported findings appear below.
If you did not opt out, the site terms say the incorporated arbitration provision affects jury-trial and class-action rights.
The site terms say arbitration applies if you did not opt out, subject to the stated Military Lending Act exception.
If you use Personal Cashback, its terms generally make funds nonrefundable and unavailable as cash, subject to legal or agreement exceptions.
This applies if you open or use a Klarna Personal Cashback account.
If you use Personal Cashback and leave it inactive for more than five or seven years, depending on state law, its funds become unclaimed property.
This applies to funds in a Klarna Personal Cashback account that remains inactive for the period stated in the terms.
If you use the Cashback Program, Klarna may suspend or end it without notice; any 30-day chance to claim pending cashback is at Klarna’s discretion.
This applies if you participate in the Cashback Program and have pending cashback when the program is suspended or terminated.
Originally analyzed . The original date marks this service’s first saved analysis, including earlier report formats. This report was generated .
This report was generated from saved policy text and checked in a second automated review. Automated interpretation can still miss or misread terms. The source documents were retrieved on Oct 20, 2026. Policies may have changed since retrieval.
These supporting documents didn’t fit within this report’s reading limit. Their contents are not included in the findings.