Klarna Docs - Regulated Financing disclosures

Regulated Financing disclosures

For regulated credit products. Financial promotions may contravene the FCA’s ‘clear, fair and not misleading’ rules if they omit relevant risk warnings.

Examples of relevant risk warnings for regulated products include:

  • Late or missing repayments may have serious consequences for you and cause you serious money problems.
  • Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

Outlined below are our recommended disclosures for your advertising of Klarna products. Please ensure you apply the correct disclosure for your situation.

Please always review the decision tree on page 23 of the Regulated Financing guide so that you include all relevant information in your advertisement.

REMEMBER that you must always add a risk warning.

[Merchant’s legal entity name and postal address (as it appears on the FCA Register)] is authorised and regulated by the Financial Conduct Authority (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB UK branch (BR020956), a branch of Klarna Bank AB (556737-0431) which is authorised and regulated by the Swedish Financial Services Authority. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions

[Insert postal address of the firm making the financial promotion if required*]

Remember to always add an appropriate risk warning to the promotion which needs to be prominently displayed above the disclosure and near to the benefits being promoted.

[Merchant’s legal entity name and postal address (as it appears on the FCA Register)] is authorised and regulated by the Financial Conduct Authority (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB UK branch (BR020956), a branch of Klarna Bank AB (556737-0431) which is authorised and regulated by the Swedish Financial Services Authority.

[Insert postal address of the firm making the financial promotion if required*]

Remember to always add an appropriate risk warning to the promotion which needs to be prominently displayed above the disclosure and near to the benefits being promoted.

[Merchant’s legal entity name and postal address (as it appears on the FCA Register)] is authorised and regulated by the Financial Conduct Authority (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided [exclusively by Klarna Bank AB (publ)] [by a limited number of finance providers, including Klarna Bank AB (publ)]. Please note that [Pay in 3 instalments] [and] [Pay in 30 days] agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions

[insert postal address of the firm making the financial promotion if required*]

Remember to always add an appropriate risk warning to the promotion which needs to be prominently displayed above the disclosure and near to the benefits being promoted.

Klarna’s [Pay in 3 instalments] [and] [Pay in 30 days] credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders.. UK residents aged 18+. Subject to status, T&Cs apply. Klarna.com/uk/terms-and-conditions

Remember to always add an appropriate risk warning in the disclosure which needs to be prominently displayed above the disclosure and near the top the benefits being promoted.