By integrating and using Klarna’s  conversion-boosting features, including, but not limited to, Sign in With Klarna (SIWK), On-site Messaging (OSM) and Klarna Express Checkout (KEC) you as a Merchant or Partner (referred to as you/Merchant below) acknowledge and accept the below terms (Agreement).

1. Features

Sign in With Klarna (SIWK) is a social log-in feature offered by Klarna Bank AB (publ), or as the case may be, by any of its affiliated companies (jointly “Klarna”) enabling individuals/customers to sign up and log in to Merchants’ hosted environment. By integrating and using SIWK, you enter into this Agreement with the Klarna entity providing SIWK in the markets where you have integrated the service.

On-site Messaging (OSM) is a marketing and customer-communication  / conversion-booster feature offered by Klarna Bank AB (publ), or, as the case may be, by any of its affiliated companies (jointly “Klarna”), enabling Merchants to display Klarna’s payment options and related marketing messages on their hosted environment. By integrating and using OSM, you enter into this Agreement with the Klarna entity providing OSM in the markets where you have integrated the service. Further, you are required to ensure that any OSM placement or messaging complies with any legal requirements as well as Klarna’s applicable advertising and promotional guidelines, including applicable labelling and disclosure requirements.

Klarna Express Checkout (KEC) is a checkout solution offered by Klarna Bank AB (publ), or as the case may be, by any of its affiliated companies (jointly “Klarna”), enabling customers to complete their purchase using Klarna’s payment options and stored information in a simplified, pre-filled checkout flow. By integrating and using KEC, you enter into this Agreement with the Klarna entity providing KEC in the markets where you have integrated the service.

SIWK, OSM and KEC may be jointly referred to as Boost Features.

2. Suspension of Boost Features/Termination

Klarna has the right to suspend the provision of the Boost Features or terminate the Agreement at any time if Klarna determines that the provision of the Boost Features, the Boost Features itself, or the Merchant’s activities, could be deemed illegal, unethical or in any other way non-compliant with any applicable rule or regulation, or result in negative publicity for Klarna.

3. Transfers and subcontractors

Klarna may assign or transfer, in whole or in part, this Agreement to any Klarna group company. Klarna is entitled to engage subcontractors in order to provide the Boost Features, provided that Klarna takes full responsibility for such subcontractors.

4. IP rights and know-how

Klarna retains all ownership and intellectual property rights to the Boost Features as well as anything else developed by Klarna and provided to or accessed by the Merchant. The Merchant warrants that it will not directly or indirectly reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from the Boost Features. After termination of this  Agreement or the removal of the Boost Features(in whole or in part), the Merchant undertakes to immediately remove all respective logotypes and similar of Klarna. Klarna may refer  to the Merchant as a user of Klarna.

5. Customer Data

5.1 The Boost Features may include Klarna sharing customers’ personal data with the Merchant (including but not limited to customer contact details, transaction information and/or the fact that the customer is a customer of Klarna).

5.1.1 The Merchant is not permitted to use the fact that a customer uses Klarna (or is a Klarna customer) when marketing goods or services.

5.1.2 The Merchant is not permitted to use such personal data shared to promote or in any way facilitate the provision of non-Klarna payment methods, or to facilitate or promote the customer’s access to, or use of, any third-party services or functionalities which correspond to any services or functionalities provided by Klarna.

5.2 The Merchant shall delete the personal data received as soon as reasonably possible if Klarna or the customer so requests. The Merchant shall upon request verify that such deletion has been completed. In the event that the Merchant is not able to verify deletion of the personal data, Klarna reserves the right to cease to share any further personal data.

5.3 The Parties agree to handle personal data as set out under Data Protection below.

5.4 Specifically applicable to KEC: Any use of Customers’ personal data beyond what is necessary for order fulfillment—such as creating a customer account, marketing, or profiling—is strictly prohibited and may result in significant legal liabilities, including fines and sanctions, under relevant privacy legislation for you as a merchant. It is your responsibility to fully comply with all applicable data protection and privacy requirements at all times and to safeguard customer information in accordance with the highest legal standards.

6. No warranty or liability

Use of the Boost Features is provided under this Agreement on an “as is” basis, without warranty of any kind, except as expressly stated herein or implied by law. You acknowledge and accept that Klarna disclaims all representations, warranties, liabilities, and conditions, express, implied, or statutorily, to the fullest extent permitted by law. Klarna is in no way responsible or liable for the correctness, accuracy or exhaustiveness of the shared customer personal data.

7. Indemnification

The Merchant warrants to only use the Boost Features in accordance with this Agreement and the guidelines set out on docs.klarna.com (“Integration Guidelines”). The Merchant shall indemnify, defend, and hold harmless Klarna, its affiliates, and their respective officers, directors, employees, and agents (collectively, the “Klarna Indemnified Parties”) from and against any and all losses, damages, liabilities, costs, expenses (including reasonable attorneys’ fees), claims, actions, proceedings, or demands arising out of or related to any use of the Boost Features in non-compliance with or contrary to this Agreement or Integration Guidelines.

8. Amendments

Klarna reserves the right to amend this Agreement at any time. Further, you accept that Klarna reserves the right to charge the Merchant a fee for the use of the Boost Features. Should the Merchant not accept such a fee, or any amendments to this Agreement made by Klarna, the Merchant may stop using the Boost Features.

Klarna processes Personal Data of two separate Data Subject groups: (i) the merchant’s owners, employees and representatives, and (ii) customers. This section sets out how the Parties share Personal Data between each other, and the obligations relating to the Processing of such Personal Data.

1. Definitions

1.1 Data Protection Legislation means any and all laws, statutes and regulations relating to the Processing under this Agreement and applicable to the respective Party at each point in time. This may include, but is not limited to; (i) EU Regulation 2016/679 (GDPR), Directive 2002/58/EC on privacy and electronic communications, (ii) the United Kingdom’s Data Protection Act 2018, (iii) Australian Privacy Act 1988 (Cth) and the Spam Act 2003 (Cth), (iv) the New Zealand Privacy Act 1993 and the Unsolicited Electronic Messages Act 2007, (v) the California Consumer Privacy Act (CCPA) and the Gramm-Leach Bliley Act (GLBA), (vi) the Canadian Personal Information Protection and Electronic Documents Act (PIPEDA), and (vii) the Federal Law on Protection of Personal Data Held by Individuals (LGPDPPSO), in each case as updated, amended or replaced from time to time.

1.2 Data Subject means an identified or identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, taking into consideration all Personal Data reasonably accessible to a Party. This term also encompasses any analogous or similar term in applicable Data Protection Legislation.

1.3 Personal Data means any information or data, including personal information, relating to a Data Subject. This term also encompasses any analogous or similar term in applicable Data Protection Legislation.

1.4 Processing means any operation performed on Personal Data, including but not limited to collection, sharing, use, erasure or destruction of such data. This term also encompasses any analogous or similar term in applicable Data Protection Legislation.

2. Data protection obligations

2.1 Each Party is responsible for its own Processing, and for implementing necessary security measures.

2.2 The Parties hereby acknowledge and agree that, in order to fulfill the obligations of this Agreement, they are separately and independently responsible for determining for which purposes, and by which means, they will be Processing any Personal Data, thus the Parties are individual and separate personal data controllers. No Personal Data is Processed on behalf of the other Party.

2.3 Personal Data is shared between the Parties for the purpose of allowing Klarna to perform, and the merchant to use the Boost Features, with the ultimate aim of allowing each of Klarna and the merchant to provide its respective services to the customers and administer its respective customer relationship. The merchant warrants that it will not share any Personal Data with Klarna unless and until it has a legal right to do so.

2.4 Each Party shall implement and maintain appropriate technical and organizational measures to ensure a level of security appropriate to the risk of its Processing (taking into account the nature, scope, context and purposes of processing the Personal Data). This includes protection against unauthorized or unlawful Processing of all Personal Data, or accidental loss or destruction of, or damage to, the Personal Data. Furthermore, each Party shall ensure that all personnel Processing Personal Data are subject to a binding written contractual obligation with the relevant Party to keep the data confidential. Moreover, each Party will ensure that access to Personal Data will be restricted only to those personnel who require it for the purposes of fulfilling the obligations under the provisions of this Agreement or the respective Party’s agreement with the relevant Customer, and that personnel Processing Personal Data are suitably skilled and experienced and have received adequate training on compliance with Data Protection Legislation applicable to the Processing.

2.5 Each Party has implemented an information security program designed to: (i) ensure the security and confidentiality of the Personal Data; (ii) protect against any anticipated threats or hazards to the security or integrity of such data; and (iii) protect against unauthorized access to, or use of, such data that could result in substantial harm or inconvenience to any Data Subject.

3. Transparency and exercising Data Subject’s rights

3.1 The Parties are each responsible for clearly informing Data Subjects of how Personal Data are Processed, in line with applicable Data Protection Legislation (via a privacy notice and/or other means, as appropriate to ensure that the Data Subjects understand how their Personal Data will be Processed). Specifically, each Party shall ensure any Data Subject is informed that Personal Data is shared with the other Party before such sharing takes place, as required under Data Protection Legislation.

3.2 Each Party shall carry out any Data Subject’s requests. Neither Party is entitled or authorized to act on the other Party’s behalf in relation to Data Subjects’ rights, although each Party should support the other Party in fulfilling a Data Subject’s request to exercise its rights.

4. Klarna’s Personal Data Processing

4.1 Klarna will Process the Personal Data it holds to carry out its relationships with the Merchant and Customers in line with its applicable privacy notices. This includes Processing Personal Data for statistical analysis and business reporting purposes, marketing and promotion, improvement of Klarna’s products and services, to protect Klarna’s property, interests and rights, during fraud investigations and to comply with applicable laws. Klarna may disclose Personal Data to its affiliates or third party service providers in line with Data Protection Legislation, in each case which may also use Personal Data for the purposes set out in applicable notices.

4.2 Personal Data of the Merchant’s owners, employees and representatives is shared by the Merchant to Klarna in order for Klarna to administer the business relationship between the Parties, and to send newsletters, to conduct product surveys, to advertise similar products or services of Klarna and for event invitations, in accordance with Klarna’s privacy notice for Merchant representatives. Such Data Subjects are entitled to their rights in respect of their Personal Data as described in Data Protection Legislation.

5. Cross-border transfers of Personal Data

5.1 Neither Party shall transfer Personal Data outside of the country in which the Data Subject is present (country of origin) when the respective Party collects such data from the Data Subject, unless the relevant Party has ensured that (i) the transfer is to a country providing equal protection of the Personal Data as the country of origin, and, in case the country of origin is a country within the European Union, such country has been approved by the European Commission as providing adequate protection pursuant to Article 45 of the GDPR, or (ii) there are appropriate safeguards in place in order to ensure the Personal Data is protected in the receiving country, and, in case the country of origin is a country within the European Union, such safeguards are pursuant to Article 46 of the GDPR, or (iii) special circumstances are in place which makes such transfer legal under Data Protection Legislation, and, in case the country of origin is a country within the European Union, such special circumstances are pursuant to the delegations listed in Article 49 of the GDPR.

6. Additional requirements

If you choose to integrate the Klarna Web SDK on your website or integrate the Klarna APIs directly, for example but not limited to, to enable Klarna’s conversion boosters or other similar features, you are responsible for informing your users about the tracking technologies employed. This information must be provided prior to any tracking taking place, for instance via a cookie banner or similar mechanism.

You must disclose both strictly necessary tracking technologies and any specific technologies used by the Klarna Web SDK, including details such as name, purpose, provider, use of local storage, and retention period.

You may use the below wording as is, or adapt it to align with your existing cookie banner or privacy policy, provided the information remains complete, accurate, and compliant with applicable laws:

Strictly necessary cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. For the purpose of ensuring service security and prevention of fraud, we do also collect device fingerprints, including, but not limited to, your browser name, IP address, time zone and language preference and service availability.