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Welcome to Klarna Checkout

Klarna Checkout makes it easy, flexible and safe for you to shop online. By answering a few questions you can easily identify yourself and you can choose the payment method that suits you best.


A nice thing about Klarna Checkout is that we distinguish between purchases and payments. First you confirm your purchase and then choose how you want to pay. Either with Klarna invoice or Klarna account - or by card or bank transfer. Everything is equally safe. If you wish, you can assign a PIN to Klarna Checkout.


By entering or requesting information in Klarna Checkout, you agree to our terms of use and our use of your personal data as set out below.


Klarna Checkout Terms of Use


By using Klarna Checkout you agree to Klarna AB's (556737-0431, Sveavägen 46, 111 34 Stockholm), "Klarna", terms as they appear below, including any attachments or other material to which reference is made ("the Terms"). As you enter or request information, you start using Klarna Checkout. In doing so, you have also approved our processing of your personal data, including the possibility for us to transfer the data to third parties or for processing outside the EU / EEA area. To use Klarna Checkout you must be at least 15 years old.


Identification, adaptation and risk assessment

In order to safely identify you and prevent unauthorized use or abuse of Klarna Checkout and to comply with the requirements in accordance with good credit standards, Klarna needs to secure your identity. Klarna collects additional information such as social security number, name and address and, when selecting credit options, credit information from different suppliers. Klarna also needs to use the information that you may have provided in previous purchases, publicly available information on the Internet and information on how you have previously met our payment terms, in order to make a risk assessment. Klarna Checkout automatically adjusts the risk assessment, and thus the design of the service, every time you use the service and you do not need to enter more information than necessary. In some cases, Klarna's previously stated and approved address will be displayed to you as soon as you enter your e-mail address and postal code. The approved address may only be used for the purpose of fulfilling the address information directly in connection with a purchase. You can easily avoid the pre-filled address by choosing to apply a PIN code. By completing the purchase you confirm your identity and correct delivery address.


Payment, fees

Klarna Checkout has the payment options that can be offered to you. Current payment options that may currently be offered through Klarna Checkout are invoice, account credit, card payment or direct payment via bank. Invoice is as a default payment option where possible. When paying by invoice, Klarnas applies to invoice terms at all times; U.N. 14 days credit, a reminder fee will be added in case of non-payment. If you have traded for less than SEK 60, you will receive SEK 29.00, and if you have traded for SEK 60 or more, SEK 60.00 will be added to the reminder fee. Also a default interest rate corresponding to 24% plus at the time the reference rate set by the Riksbank. It is free to use Klarna Checkout. However, any taxes or fees may be added through the selected payment option, see details of the individual payment terms for the option you choose. Klarna may at any time add or remove one or more payment options from those offered by Klarna Checkout.


When you complete a purchase through Klarna Checkout, you and Klarna enter into an agreement where Klarna, among other things. guarantees that you do not have to pay unless you receive your goods. At the same time Klarna will reimburse the store for what you have purchased and thereby take over the right to get paid. Regardless of which payment method you choose, your payment will thus settle the claim Klarna has.


Usage, PIN code

Klarna is the holder of all rights to Klarna Checkout. As a user you may only use the service in the intended manner to make purchases, until further notice and in accordance with applicable Terms. Klarna Checkout offers the possibility to choose a personal code, so-called PIN code. This PIN is an optional option for those who want extra protection when shopping. Remember not to choose a code that has something to do with your own social security number, telephone number or the like, not to reveal the code to anyone or to record the code in such a way that outsiders can assume that it refers to a PIN code.


Assurance

You ensure that the information you provide is correct and yours, and that you may enter into an agreement without undue delay and without the consent of the guardian, manager or other person.


If you use the Service on behalf of a legal person, you also warrant that you have the right to enter into this Agreement and hereby accept the Terms in its entirety on behalf of the legal person. By providing personal information