WE SHIP WORLDWIDE

Privacy policy

This Privacy Policy describes how albrechtjewellery.com (the “Site” or “we”) collects, uses, and discloses your Personal Information when you visit or make a purchase from the Site.

Collecting Personal Information

When you visit the Site, we collect certain information about your device, your interaction with the Site, and information necessary to process your purchases. We may also collect additional information if you contact us for customer support. In this Privacy Policy, we refer to any information that can uniquely identify an individual (including the information below) as “Personal Information”. See the list below for more information about what Personal Information we collect and why.

Device information

  • Examples of Personal Information collected: version of web browser, IP address, time zone, cookie information, what sites or products you view, search terms, and how you interact with the Site.
  • Purpose of collection: to load the Site accurately for you, and to perform analytics on Site usage to optimize our Site.
  • Source of collection: Collected automatically when you access our Site using cookies, log files, web beacons, tags, or pixels 
  • Disclosure for a business purpose: shared with our processor Shopify 

Order information

  • Examples of Personal Information collected: name, billing address, shipping address, payment information (including credit card numbers, email address, and phone number.
  • Purpose of collection: to provide products or services to you to fulfill our contract, to process your payment information, arrange for shipping, and provide you with invoices and/or order confirmations, communicate with you, screen our orders for potential risk or fraud, and when in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.
  • Source of collection: collected from you.
  • Disclosure for a business purpose: shared with our processor Shopify.

Customer support information

  • Examples of Personal Information collected:
  • Purpose of collection: to provide customer support.
  • Source of collection: collected from you.
  • Disclosure for a business purpose

Minors:

We do not intentionally collect Personal Information from children. If you are the parent or guardian and believe your child has provided us with Personal Information, please contact us at the address below to request deletion.

Sharing Personal Information

We share your Personal Information with service providers to help us provide our services and fulfill our contracts with you, as described above. For example:

  • We use Shopify to power our online store. You can read more about how Shopify uses your Personal Information here: https://www.shopify.com/legal/privacy.
  • We may share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

Behavioural Advertising

As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For example:

  •  We use Google Analytics to help us understand how our customers use the Site. You can read more about how Google uses your Personal Information here: https://policies.google.com/privacy?hl=en.You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.
  •  We share information about your use of the Site, your purchases, and your interaction with our ads on other websites with our advertising partners. We collect and share some of this information directly with our advertising partners, and in some cases through the use of cookies or other similar technologies (which you may consent to, depending on your location)

For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by:

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.

Using Personal Information

We use your personal Information to provide our services to you, which includes: offering products for sale, processing payments, shipping and fulfillment of your order, and keeping you up to date on new products, services, and offers.

 

Lawful basis

Pursuant to the General Data Protection Regulation (“GDPR”), if you are a resident of the European Economic Area (“EEA”), we process your personal information under the following lawful bases:

  • Your consent;
  • The performance of the contract between you and the Site;
  • Compliance with our legal obligations;
  • To protect your vital interests;
  • To perform a task carried out in the public interest;
  • For our legitimate interests, which do not override your fundamental rights and freedoms.

Retention

When you place an order through the Site, we will retain your Personal Information for our records unless and until you ask us to erase this information. For more information on your right of erasure, please see the ‘Your rights’ section below.

Automatic decision-making

If you are a resident of the EEA, you have the right to object to processing based solely on automated decision-making (which includes profiling), when that decision-making has a legal effect on you or otherwise significantly affects you.

We [DO/DO NOT] engage in fully automated decision-making that has a legal or otherwise significant effect using customer data.

Our processor Shopify uses limited automated decision-making to prevent fraud that does not have a legal or otherwise significant effect on you.

Services that include elements of automated decision-making include:

  • Temporary denylist of IP addresses associated with repeated failed transactions. This denylist persists for a small number of hours.
  • Temporary denylist of credit cards associated with denylisted IP addresses. This denylist persists for a small number of days.

Selling Personal Information

Our Site sells Personal Information, as defined by the California Consumer Privacy Act of 2018 (“CCPA”).

 

  • CATEGORIES OF INFORMATION SOLD;
  • INSTRUCTIONS ON HOW TO OPT-OUT OF SALE;
  • WHETHER YOUR BUSINESS SELLS INFORMATION OF MINORS (UNDER 16) AND WHETHER YOU OBTAIN AFFIRMATIVE AUTHORIZATION;
  • IF YOU PROVIDE A FINANCIAL INCENTIVE TO NOT SELL INFORMATION, PROVIDE INFORMATION ABOUT WHAT THAT INCENTIVE IS.]

Your rights

GDPR

If you are a resident of the EEA, you have the right to access the Personal Information we hold about you, to port it to a new service, and to ask that your Personal Information be corrected, updated, or erased. If you would like to exercise these rights, please contact us through the contact information below 

Your Personal Information will be initially processed in Ireland and then will be transferred outside of Europe for storage and further processing, including to Canada and the United States. For more information on how data transfers comply with the GDPR, see Shopify’s GDPR Whitepaper: https://help.shopify.com/en/manual/your-account/privacy/GDPR.

CCPA

If you are a resident of California, you have the right to access the Personal Information we hold about you (also known as the ‘Right to Know’), to port it to a new service, and to ask that your Personal Information be corrected, updated, or erased. If you would like to exercise these rights, please contact us through the contact information below 

If you would like to designate an authorized agent to submit these requests on your behalf, please contact us at the address below.

Cookies

A cookie is a small amount of information that’s downloaded to your computer or device when you visit our Site. We use a number of different cookies, including functional, performance, advertising, and social media or content cookies. Cookies make your browsing experience better by allowing the website to remember your actions and preferences (such as login and region selection). This means you don’t have to re-enter this information each time you return to the site or browse from one page to another. Cookies also provide information on how people use the website, for instance whether it’s their first time visiting or if they are a frequent visitor.

We use the following cookies to optimize your experience on our Site and to provide our services.

Cookies Necessary for the Functioning of the Store

Name Function
_ab Used in connection with access to admin.
_secure_session_id Used in connection with navigation through a storefront.
cart Used in connection with shopping cart.
cart_sig Used in connection with checkout.
cart_ts Used in connection with checkout.
checkout_token Used in connection with checkout.
secret Used in connection with checkout.
secure_customer_sig Used in connection with customer login.
storefront_digest Used in connection with customer login.
_shopify_u Used to facilitate updating customer account information.

Reporting and Analytics

Name Function
_tracking_consent Tracking preferences.
_landing_page Track landing pages
_orig_referrer Track landing pages
_s Shopify analytics.
_shopify_fs Shopify analytics.
_shopify_s Shopify analytics.
_shopify_sa_p Shopify analytics relating to marketing & referrals.
_shopify_sa_t Shopify analytics relating to marketing & referrals.
_shopify_y Shopify analytics.
_y Shopify analytics.

[INSERT OTHER COOKIES OR TRACKING TECHNOLOGIES THAT YOU USE]

The length of time that a cookie remains on your computer or mobile device depends on whether it is a “persistent” or “session” cookie. Session cookies last until you stop browsing and persistent cookies last until they expire or are deleted. Most of the cookies we use are persistent and will expire between 30 minutes and two years from the date they are downloaded to your device.

You can control and manage cookies in various ways. Please keep in mind that removing or blocking cookies can negatively impact your user experience and parts of our website may no longer be fully accessible.

Most browsers automatically accept cookies, but you can choose whether or not to accept cookies through your browser controls, often found in your browser’s “Tools” or “Preferences” menu. For more information on how to modify your browser settings or how to block, manage or filter cookies can be found in your browser’s help file or through such sites as www.allaboutcookies.org.

Additionally, please note that blocking cookies may not completely prevent how we share information with third parties such as our advertising partners. To exercise your rights or opt-out of certain uses of your information by these parties, please follow the instructions in the “Behavioural Advertising” section above.

Do Not Track

Please note that because there is no consistent industry understanding of how to respond to “Do Not Track” signals, we do not alter our data collection and usage practices when we detect such a signal from your browser.

Changes

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons.

Contact

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at [email address] or by mail using the details provided below:

Albrecht Jewelry

albrechtjewelry@gmail.com

+1(480)665-2586

Last updated: 04.26.2021

If you are not satisfied with our response to your complaint, you have the right to lodge your complaint with the relevant data protection authority. You can contact your local data protection authority, or our supervisory authority here: https://ico.org.uk/make-a-complaint/]

Klarna Privacy Policy

Last updated: June 21, 2021

 

Klarna is committed to letting you know how we will collect, use, store, share and protect your personal information when you transact with us. You accept this privacy policy (the “Privacy Policy”) whenever you access or use Klarna products, services, features, and technologies including the Klarna mobile app and www.klarna.com/us (the “Klarna Services”). Please read this Privacy Policy carefully. If you are a resident of California, you may have additional rights, described in our Additional Information for California Residents Section.

This Privacy Policy does not apply to information submitted or collected through websites maintained by other companies or organizations to which we may link or who may link to us. We are not responsible for the actions and privacy policies of third-party websites.

 

Additionally, if you use Klarna Credit, your non-public personal information will be subject to WebBank’s privacy notice and Klarna’s use of such information will be consistent with that privacy notice.

 

 

What type of information does Klarna collect?

Klarna collects two basic types of information from you in conjunction with your use of the Klarna Services (collectively, your “personal information”): (1) personally identifiable information; and (2) non-personally identifiable information.

Personally Identifiable Information is any information that can identify you. 

  • Examples include your name, e-mail address, telephone number, postal address, device identifiers, IP addresses, and financial account information that you provide, such as credit or debit card numbers. 

  • We may also collect personally identifiable information about you from third parties such as data vendors.

  • Aggregate and/or de-identified information is not considered personally identifiable information.

Non-personally identifiable information is information that does not identify you directly, but may be linkable to you.

  • Examples include demographic information and general location information.

  • If non-personally identifiable information is directly linked to personally identifiable information, it will be considered personally identifiable information while it is linked. For example, if your payment history and transaction history are linked to your name, then that information will be considered personally identifiable information and subject to heightened privacy and security restrictions, as reflected in this Privacy Policy.

 

How does Klarna Collect Information?

We collect information about you through:

  • Your interactions with or use of the Klarna Services;

  • Your contact with our customer support team; 

  • Third parties, such as data vendors, your bank or  merchants you perform a transaction with;

  • Through our websites, using cookies, Clear GIFs, web beacons, mobile application plug-ins and similar technologies. 

Cookies are small files that are stored on your computer or device when you use the Klarna Services. Cookies record your preferences and the actions you take on your computer or device. We may also use web beacons and mobile application plug-ins, such as software development kits, application programming interfaces and similar technologies. We use these and other similar technologies for security, to monitor traffic, improve the Klarna Services, and make the Klarna Services easier to use and more relevant to you. We may also use these technologies to personalize your experience, deliver advertisements, and for research and marketing. 

 Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with the Klarna Services to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.

 

Third Party Analytics We may use automated devices and applications to evaluate usage of our Site. We use these tools to help us improve our Site, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services. 

How do we use the personal information we collect?

We may use your personal information to:

  • Provide the Klarna Services and customer support

  • Process transactions and send notices about your transactions

  • Resolve disputes and collect payments and/or fees

  • Verify the accuracy of and authenticate your information

  • Detect, investigate and prevent potentially prohibited or illegal activities, such as fraud

  • Communicate about accounts or transactions and send information about features and enhancements 

  • Contact you, for example by phone, text (SMS) or email

  • Communicate changes to our policies

  • Personalize content and experiences, including providing recommendations based on your preferences

  • Send offers or promotions for the Klarna Services

  • Provide advertising, including advertising based on your use of the Klarna Services or third-party websites 

  • Perform statistical, demographic and marketing analyses of users of the Klarna Services and their purchasing patterns

  • Conduct any other legitimate business activities not otherwise prohibited by law

 

How do we share personal information?

We will only share your personal information with third parties as described in this Privacy Policy.

We may share your personally identifiable information with:

  • Service providers and affiliates who help with our business operations, including but not limited to, fraud prevention, account maintenance, customer service, marketing and technology services

  • Credit bureaus and collection agencies, as permitted by law

  • Merchants you order goods or services from using the Klarna Services

  • Companies that we plan to merge with or be acquired by

  • Third parties, including governmental authorities and law enforcement, to (i) protect or defend the legal rights, interests or property of Klarna and any related entity of Klarna; (ii) protect the safety and security of our customers or members of the public; (iii) protect against fraud; or (iv) comply with applicable law, subpoena or legal process.  Including, without limitation, LexisNexis Risk Solutions Group, 80 Harcourt Street, Dublin Ireland; Emailage and ThreatMetrix services: Processing Notices | LexisNexis Risk Solutions

  • Other third parties with your consent or at your direction to do so.

  • Third parties for any legitimate business purpose not otherwise prohibited by law

 

We will not share or sell any personally identifiable information about you to our affiliates or non-affiliated third parties for their marketing purposes unless you have provided consent, except as set forth in an agreement you have entered into with Klarna (many of our consumer agreements are available here).

 

Email Connect service (available in the Klarna App)

If you connect to the Email Connect service, we will process order information (such as delivery tracking identifiers, supplier information and product information) related to purchases you have made, in order to provide you with delivery information and an overview of your purchases in the Klarna App.

We will not share data obtained through Email Connect with third parties, unless necessary to provide or improve the service to you. In particular, we will not transfer data to third parties for serving ads.

 

Klarna Desktop Extension 

Klarna Desktop Extension is a browser extension of the Klarna app available for select web browsers. By downloading and using the Klarna Desktop Extension you can request and use One-time Cards directly in your browser on websites where this service is enabled in accordance with Klarna's internal policies.  When you browse the internet with the Klarna Desktop Extension enabled, Klarna will receive the domain of the websites that you visit.  To the extent this is Personally Identifiable Information or Non-personally identifiable information, it will be handled in compliance with the terms of this Privacy Policy.

 

Sponsored Links

If you click on a link that is sponsored which promotes a store, product or service you will be redirected to the store’s website through a third party, a so-called “affiliate network.” The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in the Klarna App, which then may be used to track your visit to a store in order to calculate a potential commission to Klarna.

 

How do we protect personal information?

Klarna uses reasonable security measures to protect your personal information from unauthorized access and use in compliance with applicable law. These measures include computer safeguards and encrypted, secured files and buildings. We also maintain other physical, technical, administrative, and procedural safeguards to protect personal information, and access to personal information is limited to the employees who require it for their job functions. Please be aware that despite our efforts, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

 

How can you restrict us from sharing your personal information?

Personally Identifiable Information: You may choose not to provide your personally identifiable information to us; however, you will not be able to use the Klarna Services.

You can also limit our use and sharing of your personal information in other ways, such as:

  • You may unsubscribe from marketing emails, but we will still be permitted to contact you for servicing and account-related purposes by clicking the “Unsubscribe” link in the email footer or by contacting Klarna Customer Service.

  • You can modify browser settings to decline cookies, but certain features of Klarna Services may not function properly or may be unavailable if you do. For more information on cookies and how to disable them, you can consult the information provided by the Interactive Advertising Bureau at www.allaboutcookies.org.

  • For your mobile device, you can understand which third parties have currently enabled cookies on your mobile device and how to opt-out of some of those cookies by accessing the Network Advertising Initiative's website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android). Even if you disable tracking, keep in mind that you may still receive interest-based advertising, including from third parties with whom your information had been previously disclosed and that you may still receive advertising from third parties, although such advertising may not be based on your interests and preferences.

  • We use the information provided by Google Analytics to improve our Services. For more information regarding how Google collects, uses, and shares your information and how to opt out of certain uses please visit http://www.google.com/policies/privacy/partners/ and https://tools.google.com/dlpage/gaoptout.

  • Your browser or device may include “Do Not Track” functionality. Note that Klarna’s information collection and disclosure practices, and the choices that we provide to customers, will continue to operate as described in this Privacy Policy whether or not a Do Not Track signal is received.

 

Third-Party Links

The Klarna Services may contain links to third-party websites, including social media sites. By including a link to a third-party website, we do not endorse or recommend any products or services offered or information contained at the third-party website. Any access to and use of such linked websites is not governed by this policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. If you decide to visit a third-party website via a link contained in or by the Klarna Services, you do so at your risk.

 

Google

When you use Google Maps in the checkout (for example by searching for your address in the address field) or the Klarna App, Google will process your information subject to Google Maps’/Google Earth's Terms of Service andPrivacy Policy

 

Rakuten

We partner with Rakuten Advertising, who may collect personal information when you interact with our site. The collection and use of this information is subject to the privacy policy located here: Rakuten’s privacy policy; To submit an opt-out request

 

Children Under 13

Our products and services are not designed for children under 13. If we discover that a child under 13 has provided us with personal information, we will delete such information from our systems.

If you are a resident of California, under 18 and a registered user of the Services, you may ask us to remove content or information that you have posted through the Services by contacting Klarna customer service. Please note that your request does not ensure complete or comprehensive removal of the content or information, as, for example, some of your content may have been reposted by another user.

 

Governing Law and Notice to Non-US Users

The Klarna Services are directed to individuals located in the United States, and our policies are directed at compliance with those laws. If you are located outside the United States, you should NOT submit personal information to Klarna.  If you voluntarily submit personal information to us, you thereby consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to, and/or storage of that information in, the United States.

 

Accessing, Correcting or Deleting Your Information   

You may request to access, correct, or delete  personal information that you have provided to us. You will not be permitted to examine the personal information of any other person or entity and may be required to provide us with personal information to verify your identity prior to accessing any records containing information about you. Depending on where you live and the type of information you have provided to Klarna, you may have different rights and choices for managing your personal data. For example, certain state laws do not apply to personal data collected, processed, or disclosed by a financial institution according to federal laws, such as the Gramm-Leach-Bliley Act.   Accordingly, the ability to access, correct, or delete data is not absolute, and is subject to Klarna’s internal policies.  Klarna must adhere to certain legal obligations preventing us from immediately deleting some of your personal information. For example, we may not accommodate a request to change or delete personal information if we believe doing so would violate any law or legal requirement or cause the information to be incorrect. To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.

 

Changes to this Policy

This policy is current as of the Last Updated date set forth above. We may change this policy from time to time, so please be sure to check back periodically. We will post any changes to this policy on the Klarna Services. If we make any changes to this policy that materially affect our practices with regard to the personal information we have previously collected from you, we will aim to provide you with notice in advance of such change by highlighting the change on our website.

 

How can you contact Klarna?

If you have questions about the privacy aspects of our services or would like to make a complaint, please contact Klarna customer service.

 

Additional Options and Rights – California Residents Only

California provides consumers with additional information and rights as related to their personal information.  Klarna will not discriminate against you because you exercise any of the rights as described in this section. These rights do not apply, however, to any non-public personal information that Klarna collects or discloses in providing a financial product or service for personal, family or household use.    

 

Categories of Data Collected, Sold, and Disclosed

Please see our Notice of California Consumer Data Collection and Sharing Practices.

Sale of Personal Information to Third Parties

You have the right to opt-out of the sale of some types of personal information. At present, Klarna does not sell personal information to third parties. Please note that your right to opt-out does not apply to our sharing of data with service providers, who are parties who are engaged to perform a function on our behalf and are contractually obligated to use the data only for that function. If our practices change in the future, we will provide you with the opportunity to opt-out before any such sale.

Access to Personal Information

You have the right to request from us access to personal information collected about you and information regarding the source of the data, the purposes for which we collected it, and the third parties and service providers with whom we shared it. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request.  To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna.

Klarna is not required to retain any personal information collected for a single, one-time transaction, if the information is not sold or retained in the ordinary course of business. Klarna is also not obligated to re identify personal information that it maintains in a deidentified state in the ordinary course of business.

 

To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.

Erasure of Personal Information

You have the right to request in certain circumstances that we delete any personal information that we have collected directly from you. To protect our customers’ personal information, we are required to verify your identity before we can take action on your request.  To do so we may ask you to verify information about you that Klarna already has on file, for example your mailing address, email address, telephone number or details about a purchase you have made with Klarna.  We may have a reason under the law why we do not have to respond to your request, or respond to it in a more limited way than you anticipated. If we do, we will explain that to you in our response.

To submit a request, email privacy@klarna.com, call 844-KLARNA1 (844-552-7621), or make a request through the chat feature in our Customer Service Web Portal.

Participation in Data Sharing for Financial Incentive

At this time, we do not offer consumers any financial incentives to share data with us. If that changes, we will seek your consent prior to sharing data.

Use of an Authorized Agent

Many of the rights provided to California Residents may be exercised by someone else at your direction, an Authorized Agent.  If you would like to authorize another person to act on your behalf with regard to these rights, please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.

Additional Questions?

If you have any additional questions about the privacy aspects of our services please contact Customer Service by emailing privacy@klarna.com, calling 844-KLARNA1 (844-552-7621) or through the chat feature in our Customer Service Web Portal.

 

Notice of California Consumer Data Collection and Sharing Practices

The California Consumer Privacy Act (“CCPA”) requires us to disclose certain information about our data collection and sharing practices to California residents, and to align this information to certain categories of personal information as enumerated in the law:

  • The specific pieces of personal information and the categories of personal information we have collected about consumers in the past 12 months.

  • The business or commercial purpose for collecting that personal information.

  • Whether we “sell” that category of information to third parties. An external party may be considered a third party in the below chart either because the purpose of sharing is not an enumerated business purpose under California law, or because our contract does not restrict them from using personal information for other purposes. To “sell” data means to sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate orally, in writing, or by electronic or other means, a consumer’s personal information by the business to another business or a third party for monetary or other valuable consideration.

  • Whether we disclose that category of information to “service providers,” which are external parties that we engage for business purposes and is restricted from using personal information for any purpose that is not related to our engagement. 

Klarna does not engage in the practice of providing data to third parties in return for a financial benefit to us. 

As a California resident, you may be entitled to additional rights regarding the collection and sharing of your data described in this Policy.

The following table summarizes the personal information we have collected or created about consumers in the prior 12 months and how we have shared with external parties. This table describes our practices generally; not all individual pieces of your personal information may be shared.

Klarna does not sell personal information and will not sell personal information, except as described in this Privacy Policy. If we ever decide to sell personal information, we will provide you with notice and a right to opt-out of such sale.

 

Data Fields

Method of Collection

Purpose of Collection (in addition to the purposes listed below)

Shared with Service Providers

(A) Personal Identifiers

Name

Consumer provides when creating account or completing transaction

To provide advertisements and discounts for third party goods and services.

Yes

 

Phone Number

Consumer provides when creating account or completing transaction

 

Yes

 

Email Address

Consumer provides when creating account or completing transaction

To provide advertisements and discounts for third party goods and services.

Yes

 

Contact Address

Consumer provides when creating account or completing transaction

To provide advertisements and discounts for third party goods and services.

Yes

 

Account Number

We generate and assign to consumer account

To provide advertisements and discounts for third party goods and services.

Yes

 

Online Handle, user name or identifiers

Consumer creates when creating account

To provide advertisements and discounts for third party goods and services.

Yes

 

IP Address

Automatically when consumer visits website

To provide advertisements and discounts for third party goods and services.

Yes

(B) Additional Personal Identifiers

Credit/Debit card Number

Consumer provides when creating account

To provide advertisements and discounts for third party goods and services.

Yes

 

Age

Consumer provides date of birth when creating account

To provide advertisements and discounts for third party goods and services.

Yes

 

Drivers License, Passport, or other government issued ID

Customer provides when confirming personal details

*See Comment at the bottom of the table

Yes

(D) Commercial Information

Actual and considered transactions are stored in consumer profile

Automatically when consumer visits website or uses the Services

To provide advertisements and discounts for third party goods and services.

Yes

 

Information about your income, preferences, and opinions

Customer provides when participating in surveys, user experience testing or focus groups.

To provide advertisements and discounts for third party goods and services.

Yes

(F) Internet or other electronic network activity information

Internet or other electronic network activity information

Automatically when consumer visits website or uses the Services

To provide advertisements and discounts for third party goods and services.

Yes

(H) Audio, electronic, visual, thermal, olfactory, or similar information

Video and Voice recordings

Interactions with Klarna, for example recorded telephone interactions with customer service or recorded video interactions as part of a user experience test or focus group.

 

Yes

 

 

Email and chat communications

Emails sent by consumer to any Klarna email address; chat communications with Klarna Customer Service;

 

Yes

 

Email Communication

Emails accessed while enrolled in the Email Connect Service

To provide advertisements and discounts for third party goods and services.

Yes

(K) Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics

   

Inferences may be generated through a series of computer processes

To provide advertisements and discounts for third party goods and services.

Yes

*Drivers License, Passport, or other government issued ID are only collected for performing services on behalf of the business or service provider (specifically for verifying customer information).  The listed business purposes below do not apply to Drivers License, Passport, or other government issued ID. 

All listed categories of personal information, except as otherwise noted, are collected for the following business purposes in addition to purposes included in the table above:

  • To enable or effect, directly or indirectly, a commercial transaction involving the Klarna Services.

  • Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider.

  • Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.

  • Undertaking internal research for technological development and demonstration.

  • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business.

  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

  • Debugging to identify and repair errors that impair existing intended functionality.

 

All non-public personal information that we collect (except through a Klarna Credit account with WebBank) is subject to the following Consumer Privacy Notice:                                                                                                                                                                                                                                   

                                                                                                                                                                                                                                                       Rev. March 2021                                         

FACTS 

WHAT DOES KLARNA DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  • Social Security number and payment history

  • Transaction history and credit history

  • Credit scores and account balances

How

All financial companies need to share customer’s personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Klarna chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Klarna share?

Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes—

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes—

information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

 

Questions:

 

Call 1-844-552-7621 or go to www.klarna.com

 

Who is providing this notice?

Klarna, Inc.

How does Klarna protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

How does Klarna collect my personal information?

We collect your personal information, for example, when you

  • Open an account or use your credit or debit card

  • Pay your bills or apply for a loan

  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.  See below for more on your rights under state law.

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

  • Our affiliates include companies with a Klarna name, and financial companies such as Klarna Bank, AB, Sofort GmbH, BillPay GmbH

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Klarna does not share with non-affiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Klarna doesn’t jointly market

 

 

California Residents:  The California Consumer Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the act about personal data it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to the Gramm-Leach-Bliley Act.  We will not share personal information that we collect about you with nonaffiliated third parties without your authorization except as permitted by law.

Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.klarna.com/us/legal or call 1-844-552-7621.