Klarna Docs - Disclosure examples

Disclosure examples

When referencing Klarna products, it’s important to use the appropriate disclosure. Disclosures and risk warnings must be prominent, clear, and placed on the BNPL Product promotion itself. The risk warning itself must be prominent and should not be given less prominence than the potential benefits of the BNPL product being promoted.

Select from the pre-approved messaging and appropriate disclosure from below to include in your advertisement:

Generic Buy Now, Pay Later Disclosures

Full Disclosure: 


[Your legal entity name]
is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

 

Merchant Social Media (Facebook, Twitter, YouTube): 


[Your legal entity name]
is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply.

Merchant Social Media (Instagram) - Please include this disclosure underneath your post: 


[Your legal entity name]
is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. See link in bio for T&Cs.

Important: if you cannot provide a link in your bio for T&Cs then use the full URL in your post klarna.com/uk/terms-and-conditions

When referencing Klarna products it’s important to use the appropriate disclosure. Select the appropriate disclosure from the below for your advertisement and product: 

Product ReferencedApproved Partner MessagingRequired Disclosure
Generic (no call to action)
  • Klarna available
  • Klarna available at checkout
  • [Klarna logo]
No disclosure required
Klarna Brand Buy Now, Pay Later-messaging (no specific product referenced)
  • Shop now. Pay over time with Klarna.
  • Get more time to pay with Klarna.
  • Shop now. Pay with Klarna.
  • Pay smarter with Klarna.
You must include a disclosure for every Klarna BNPL product that you offer. If you only offer either (i) Pay in 3 instalments, or (ii) Pay in 30 days, you only need to reference the product you offer (i.e., if you do not offer Pay in 30 days, you do not need to include Pay in 30 days in the disclosure).

Full Disclosure: [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions

Partners Social Media (Facebook, Twitter, YouTube): [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply. 
Partner Social Media (Instagram) - Please include this disclosure underneath your post: [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreement[s] are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. See link in bio for T&Cs.

Important: if you cannot provide a link in your bio for T&Cs then use the full URL in your post klarna.com/uk/terms-and-conditions
Pay in 3 instalments
  • Shop now. Pay in 3 with Klarna.
  • Split your purchase into 3 interest-free payments.
Full Disclosure: [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions.

Partner Social Media (Facebook, Twitter, YouTube): [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] credit agreements is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply.

Partner Social Media (Instagram) - Please include this disclosure underneath your post:  [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 3 instalments] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. See link in bio for T&Cs.


Important: if you cannot provide a link in your bio for T&Cs then use the full URL in your post klarna.com/uk/terms-and-conditions
Pay in 30 Days
  • Try before you buy.
  • Get it. Try it. Buy it.
  • Try before you buy. Get 30 days to pay.
  • Shop now. Pay in 30 days with Klarna.
Full Disclosure: [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 30 days] credit agreementsis not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 30 days] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply. klarna.com/uk/terms-and-conditions.

Partners Social Media (Facebook, Twitter, YouTube): [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 30 days] credit agreementsis not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 30 days] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. T&Cs apply.

Partner Social Media (Instagram) - Please include this disclosure underneath your post: [Your legal entity name] is not a lender and acts only as an introducer. Please spend responsibly. Borrowing beyond your means could seriously affect your financial status. Klarna’s [Pay in 30 days] credit agreements are not regulated by the FCA. 18+, UK residents only. No interest, no fees. Credit subject to status. See link in bio for T&Cs.

Important: if you cannot provide a link in your bio for T&Cs then use the full URL in your post klarna.com/uk/terms-and-conditions

If you are ever unsure about which disclosures are required, please contact uk.comarketing.support@klarna.com