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:
| Product Referenced | Approved Partner Messaging | Required Disclosure |
|---|---|---|
| Generic (no invitation to credit) |
| No disclosure required |
| Klarna brand "Buy Now Pay Later" messaging (no specific product referenced) |
| Full Disclosure: Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply www.klarna.com/ie/terms-and-conditions Merchant Social Media (Facebook & YouTube): Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply.Merchant Social Media (Instagram) - Please include this disclosure underneath your post: Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply www.klarna.com/ie/terms-and-conditionsImportant: if you cannot provide a link in your bio for T&Cs then use the full URL in your post www.klarna.com/ie/terms-and-conditions Space Constrained: 18+, T&Cs apply, Credit subject to status (0% APR) |
| Pay in 3 instalments |
| You must include a disclosure for every Klarna BNPL product that you offer. Full Disclosure: Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply www.klarna.com/ie/terms-and-conditions Merchant Social Media (Facebook & YouTube): Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply.Merchant Social Media (Instagram) - Please include this disclosure underneath your post: Please shop responsibly. You must be 18+ to use this credit offer (0% APR). Missed payments may affect your ability to use Klarna in the future. ROI residents only. Subject to status. T&Cs apply www.klarna.com/ie/terms-and-conditionsImportant: if you cannot provide a link in your bio for T&Cs then use the full URL in your post www.klarna.com/ie/terms-and-conditions Space Constrained: 18+, T&Cs apply, Credit subject to status (0% APR) |