WHO IS KLARNA?
Klarna is a Swedish payment service provider whose mission is to make payment transactions simple, safe and above all, as smooth as possible.
Klarna is the leading global payments and shopping service, providing smarter and more flexible shopping and purchase experiences to 90 million active consumers across more than 250,000 merchants in 17 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to.
HOW IT WORKS
1. Shop your favourite products as normal and place them in your basket.
2. Klarna will appear as one of the payment options when you come to the checkout page.
3. Select Klarna Pay in 3 Interest Free Instalments or Klarna Pay Later in 30 Days.
4. Once you have received your item your payments to Klarna will begin. You'll get regular updates from Klarna as to when and how much your repayments will be.
BUY NOW – PAY LATER!
These Pay later terms apply between you (who are at least 18 years old) and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method.
When you choose Pay later, which is a form of credit, we offer you the possibility to pay on a due date 30 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”). Klarna will send you a payment instruction to pay directly to Klarna. For contact details and further information about Klarna, go to: klarna.co.uk.
PAY ONLY AFTER YOU HAVE RECEIVED YOUR ORDER!
Klarna offers consumers Buyer Protection which means for example that you as a consumer do not have to pay for the ordered goods until you have received them, and that Klarna will assist you with problems related to your purchase.
For more information and instructions please go to: https://www.klarna.com/uk/buyer-protection-description/.
COSTS AND FAILURE TO PAY
We charge an invoice fee of 0 (£) per purchase. Pay later is a form of credit. It is important that you complete your payment for your purchase no later than on the communicated due date. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future. If you do not pay for your purchase, Klarna may engage with an external debt collection agency to collect on our behalf.
CREDIT CHECK AND HANDLING OF YOUR PERSONAL DATA BY KLARNA
If you choose Pay later, Klarna will assess your creditworthiness. We may carry out a limited credit search on you at a credit reference agency. This search will not affect your credit score or your chances of obtaining a credit in future.Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the UK. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.
For complaints, the information provided on https://www.klarna.com/uk/feedback-and-complaints/ applies. By using our Service you consent and agree to that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s customer service webpage using the chat function or by giving us a call on (+44) 0808 189 3333.
We aim to handle all complaints promptly, effectively and in a positive manner. If we do not resolve your complaint to your satisfaction, you may refer your complaint to Klarna’s Complaints Adjudicator for an impartial review, using the form provided alongside your final response.
For more information about how we handle complaints at Klarna, please refer to our complaints handling procedure.
You may not transfer or assign any rights or obligations you have under these terms without our prior written consent. We have the right to transfer or assign these terms or any right or obligation under these terms at any time without your consent, provided that such transfer does not alter your rights and obligations under these terms to your detriment.