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:
Outlined below are our recommended disclosures for your advertising of Klarna's Financing products. Please ensure you apply the correct disclosure for your situation.
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 by a limited number of finance providers, including 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 and late fees 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] are unregulated credit agreements.Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
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.
[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") (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). 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") (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816).
[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 Financial Services UK Limited] [by a limited number of finance providers, including Klarna Financial Services UK Limited]. 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 and late fees 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] are unregulated credit agreements.Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
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.