USER TERMS FOR KLARNA’S SHOPPING SERVICE

1. Description of the Service

We have created the Service to give you the best possible shopping experience, regardless if you shop online or in-store. The Service enables an efficient and inspiring shopping experience by offering a range of great benefits. Your shopping experience should have you in focus. That’s why we thought of you when we created the Service and all its benefits. It will simplify purchases, simplify managing purchase disputes or complaints about goods, give inspiration and personalized offers, enable control and provide an overview of your shopping.Product links and links to stores within the Services may be sponsored or affiliated, meaning that Klarna might earn a commission when you shop through those links.

The Service includes the following benefits:

1.1 Creation of a Klarna User Account

1.2 Autofill/auto-login during checkout at a store or checkout provider

1.3 Payment methods displayed according to your preferences and eligibility

1.4 Offers and benefits you actually like

1.5 Remember your selected card and bank details

1.6 The Klarna App

1.7 The Klarna Extension

1.8 Sign In With Klarna (“SIWK”)

1.9 Klarna Deals

1.1 Creation of a Klarna User Account

When you sign up to the Service we will create a user account for you, to give you the full potential of all the functions in the Service (“Klarna User Account”). Remember to always keep your contact information on your Klarna User Account up-to-date and add all your relevant delivery addresses.

You can choose to have your Klarna User Account remembered on a specific device, such as your mobile phone or your tablet (the “Remember me” function). You can do this on one or several of your devices. You should not use this function on shared or public devices. By using this function you will not have to login and authenticate your Klarna User Account each time you use Klarna. This will provide you with a smooth and friction free shopping experience.

The Remember me function places a device identifier, i.e. a “cookie”, on your device. You can delete all cookies on your device, which deletes our cookies as well.

1.2 Autofill/auto-login during checkout at a store or checkout provider

In order for you to have a smoooth and friction free shopping experience we will remember some information about you and use that information to autofill different forms with your information during your shopping. This will enable you to save time and focus on more important stuff than filling out the same information over and over again. By accepting these Terms you agree that Klarna can divulge the fact that you are a customer of Klarna to stores and checkout solutions you shop with.

Let us explain in more detail how this works:

Autofill while shopping with Klarna

When using Klarna the first time you will be asked to create a Klarna User Account to make your future interaction with Klarna smoother. We will keep this information in our systems so that when you return to us or use our Service, you only need to provide some information to us. We will handle all personal information we collect in creating your Klarna User Account in accordance with ourPrivacy Policy.

When we are able to identify you, we may autofill some information about you in the purchase flow, such as name, address, telephone number, email, date of birth and card details. The autofill is based on the information stored on your Klarna User Account. An example of when autofill is used is when you shop directly from the Klarna App, or in a store’s checkout when logged in with Klarna.

Autofill through input of limited information

While interacting with Klarna we may ask for information about you, such as name, address, telephone number, email, date of birth, or personal identification number. We will keep this information in our systems so that when you return to us or use our Service, you will only need to provide some of this information such as email and zip-code, or personal identification number (dependent on the country) in order for us to autofill the remaining fields with your other information.

Autofill through a Klarna cookie

An additional method we can use to autofill your information is by placing a Klarna-cookie on your device (computer, tablet, mobile phone, etc.). You may choose to store your information such as name, address, telephone number, email, date of birth, or personal identification number, and card details with Klarna. If you do so, we use the cookie to fetch that information from Klarna’s storage, and the cookie will help us to autofill them when you shop with Klarna.

Disable autofill

If you don’t want to use the autofill functionalities you can contact us and we will disable them. You can also disable them from the Klarna App or by adjusting your autofill settings during the purchase process. You can at any given time delete all cookies on your device, which deletes our cookie as well.

Auto-login

Klarna enables you to be logged into your Klarna User Account automatically, if you are already logged into certain stores or checkout solutions in a sufficiently secure manner. This means that you can then use Klarna’s payment methods without the need for a manual login through an authentication method separate from that of the store or checkout solution.

1.3 Payment methods displayed according to your preferences and eligibility

We will arrange the order of your payment methods based on whether you have chosen a payment method as your preference, previously used a specific payment method or if we are required by law to show payment methods in a certain order.

However, in order to provide a smoooth and friction free shopping experience we will also check your eligibility for each of our available payment methods before presenting them to you, in order to clearly show which ones you can use for a specific purchase. Sometimes different payment methods might be unavailable due to the purchase amount being too low, or the store not enabling it at all, or not enabling it for a particular type of goods.

1.4 Offers and benefits you actually like

Klarna may present offers and benefits such as discounts, special events, priority access to products, sales promotions, store offers, samples and gifts. The offers and benefits given to you are based on, among other things, the number of purchases, the amount you have spent and/or your usage of Klarna’s services or features. In some cases of such offers and benefits, specific terms and conditions may apply. These will be provided to you in conjunction with the offer or benefit.

1.5 Remember your selected card and bank details

When you make a purchase with Klarna, you can use several different payment options, such as debit, credit, or prepaid cards, as well as payment from your bank account. We do not accept any payment method backed by other ‘buy now pay later’ providers. We will keep your payment information if you choose to pay with us, until you either choose to delete the information or until you close your Klarna User Account. By saving your payment information with Klarna, you agree to Klarna charging the saved card or bank account for later purchases with Klarna. You will not be charged until you make a purchase, or initiate a subscription. If the card or bank account you have chosen by default cannot be charged for a purchase, including instalment plans or subscriptions, you agree that Klarna will try to charge one of the other cards or bank accounts you have registered in your Klarna User Account.

1.6 The Klarna App

The Klarna App is an application accessible via your mobile devices or the web login page in your browser and is your shopping assistant. By using the Klarna App you can pay for your purchases, compare products, track your packages, get shopping tips and many more things. Some of these features are activated by downloading the Klarna App or logging in at the web login page, while others can be activated by you after login. Klarna wants to provide you with the best shopping experience and offer you the ability to search for a wide range of stores in the Klarna App. We may not have a commercial relationship with all stores shown or searchable in the Klarna App. In these cases, Klarna acts like a web browser or search engine, thereby just redirecting you to the store’s website in the integrated web browser. The exact content of features can differ between the markets. To mention a few of the features we are most proud of:

• View your Klarna purchases and transactions

• Manage your payments

• Easy interaction with Klarna

• Personalized recommendations, offers and other content

• Quick, automated system to manage purchase disputes or complaints about goods

  Example of other features we may offer depending on the market version:

• Shopping services like search and compare functions including a shopping assistant chatbot that you can ask questions about products and that can help you find the right products, an in-app browser, an overview of stores that we think you will like

• Shop using Klarna’s payment methods - even at stores which do not yet use Klarna

• Order, delivery, or parcel tracking

• Connect your email account to view your orders made at stores or entities unrelated to Klarna

• Easy return handling and refunds

• Financial Insights, allowing you to import transactions from your external bank accounts. We then use this information to provide an overview of monthly budget, income and spending, visualisation of balances (e.g. the savings or purchases), and other spending insights. We might also use it to present you with relevant offers to optimise your spending.

• Display and store your transactions, purchases, receipts, images and other shopping related information

• CO2 emission footprint on your purchases

• Image product search, allowing you to take a photo of a product and then browse similar products

• Create and share collections of goods or services of your choice

• Share your transactions with other Klarna users

• Share your experience and thoughts with others on stores and products you purchased by submitting a review

• An assistant that suggests helping you to fill in various information (such as payment method, card details, shipping address) by use of autofill (“Smart Suggestions”). The information that is suggested differs based on what information you have saved with us - both when using the Klarna App (including any payment method in the Klarna App) and also Klarna as a payment method at a merchant (see the Autofill section above for more information).

• View your transactions made with one of our subsidiaries Sofort GmbH, Billpay GmbH and Klarna Inc. This will only be done after you have signed up for it in the subsidiaries’ services. The transaction data (such as for example name, address, bank account number/IBAN, sort code/BIC, reason for payment, date and amount, order details) will then be submitted to Klarna.

• Possibility to upload and store your third party membership or loyalty cards for easy access to them when you shop. You can also link your loyalty memberships to Klarna, and provide us with your location, in order to receive relevant offers and be provided an overview of your loyalty membership information (“Loyalty Cards Feature”). The Loyalty Cards Feature does not establish any affiliation between Klarna and the issuers of the loyalty cards. By using the Loyalty Cards Feature, you acknowledge that Klarna assumes no responsibility for the administration or delivery of loyalty cards or related benefits, or any damages, claims or other liabilities arising from or in connection with your use of the loyalty cards.

• Resell products that you bought via Klarna at third-party resell platforms. Klarna reserves the right to, at its sole discretion and at any time, add or remove any of the available resell platforms.

  If you choose to resell a product, Klarna will redirect you to a reselling platform and prefill your listing by sharing your data with the resell platform. Klarna might limit, in its sole discretion, the use of the resell functionality for certain products. In such a case, the resell functionality will not be available. You acknowledge and agree that your use of the third-party resell platform will be governed by that platform’s terms and conditions. You also acknowledge and agree that Klarna has no responsibility with respect to your use of the resell functionality, including, but not limited to, the accuracy of the product listing, resale of your product, availability of or your use of the third-party resell platform and any damages, claims, or other liability arising from, or related to, your use of the third-party resell platform.

We save information about your purchases and transactions (actual or planned) in the Klarna App. As a part of the Service provided under these Terms, Klarna enables you to see information about your purchases and transactions in the Klarna App.

If you want to learn more about how Klarna uses this information, and other information we have about you, please see ourPrivacy Policy.

The Klarna App features Promoted Content. Promoted Content is a post purchased by an advertiser that appears in the Klarna App. It may feature text, an image, a video and links to a related website of the advertiser’s choice. Promoted Content can be identified by the termAd,PromotedorSponsoredthat appears either (i) in the middle of the post, under the advertiser’s name or (ii) as a badge in the top right hand corner of the post.

The Klarna App is available through third-party distribution platforms (“Application Stores”). You may require prior registration with the relevant Application Store. Klarna has no influence on the collection, processing and use of personal data by the respective Application Store operators.

1.7 The Klarna Extension-specific Terms and Conditions

1.7.1 General Information, Acceptance of these Terms, Eligibility

The “Klarna Extension” is a software application made available by Klarna. The terms and conditions (“Extension Terms”) in this Section 1.7 are only applicable to your use of the Klarna Extension (hereinafter “Extension User” or "you").

By installing, activating, enabling, using, or otherwise accessing Klarna Extension, you accept and agree to comply with these Extension Terms. Do not install, activate, enable, or otherwise access the Klarna Extension, if you do not wish to be bound by these Extension Terms. Klarna Extension can be used on Google Chrome and in the future may become available on other supported web browsers as well as your mobile browser. The technical usability of Klarna Extension is subject to the respective usage terms of these browsers and the technical limitations and specifications of any device on which Klarna Extension is to be installed.

An Extension User must be at least 18 (eighteen) years old and have a European phone number to use the Klarna Extension, in addition to the eligibility requirements and Extension Terms set forth below. By installing, activating, enabling, using, or otherwise accessing the Klarna Extension, you confirm that you are 18 years old or older and that these Extension Terms will govern your use of the Klarna Extension.

Klarna Extension applies assorted discount coupons on the online-store presence of merchants collaborating with and selected by Klarna ("Affiliate Stores"). The Affiliate Stores available through the Klarna Extension are entirely at the discretion of Klarna and may vary from time to time. Any purchases that you make are directly from Affiliate Stores and not from Klarna. The Affiliate Store’s terms and conditions shall apply to purchases made on its site and Klarna shall not have any liability in relation to any products or services that you purchase. We have no control over the content of Affiliate Stores' websites. Klarna may receive fees for referring our Klarna Extension users to Affiliated Stores.

Additional functions are usable subject to an additional login into the Klarna Extension, enabling you to expand your purchase experience by, depending on your market and what function is live in that market, e.g. using a tailored card payment solution (also described hereunder).

1.7.2 Klarna Extension Functions and Limitations

The Klarna Extension offers several functions, some of which are only accessible to an Extension User after first registering for a Klarna User Account. These functions are split into basic functions, each a “Basic Function”, and enhanced functions, each an “Enhanced Function”. Klarna updates the Klarna Extension continuously with new and improved functions and reserves the right to withdraw any of the Basic Functions or Enhanced Functions at any time.

Enhanced Functions Prerequisite

In order to use the Enhanced Functions, the Extension User must first create a Klarna User Account. To create a Klarna User Account, you are required to provide your contact information, including a valid email address and postal address. Klarna reserves the right to verify your eligibility to create a Klarna User Account. You must ensure that your details in your Klarna User Account are kept up to date. You are responsible for the security of and the activity conducted through your Klarna User Account. Please keep your Klarna User Account details secure.

1.7.3 Klarna Extension Basic Functions

Examples of other Basic Function(s) that may be available to you depending on your country’s version of the Klarna Extension include the following:

• Coupons, if the online store you visit is one of our Affiliate Stores, when you reach the Affiliate Store’s checkout you will be notified in the browser if there are coupons available and offered the opportunity to activate the coupons. If you choose to view the available coupons, the Basic Function will then show you available coupons for the Affiliate Store. All coupons and discounts are provided by the Affiliate Store. Coupon terms are subject to the relevant Affiliate Store’s terms and conditions. Klarna always strives to provide you with accurate coupons. However, we do not warrant or guarantee the availability of coupons or that any of the coupons or discounts are accurate, complete, up to date or error free or that any such coupons or discounts will offer the lowest price for an item. Klarna may earn a commission from your transaction.

• Create and share collections of goods or services of your choice (wishlists).

• Our price compare tool. The price compare tool searches for better prices on the relevant Amazon website by comparing sellers for you. Please note that Amazon and Klarna are not affiliated. Prices on Amazon may change and the results of our price comparison tool are valid only at the time the comparison is made. Klarna does not become a party to any agreement that you conclude with Amazon and is also not liable for any issues arising from contractual relationships existing between you and third parties. Klarna always strives to provide you with as complete and accurate information as possible. However, we gather information from public-domain sources. Our intention is that all the information in relation to the price compare tool should be accurate and up-to-date. However, we cannot guarantee the reliability or accuracy of the information.

  1.7.4 Klarna Extension Enhanced Functions

Example(s) of Enhanced Function(s) that may be available to you depending on your country’s version of the Klarna Extension include the following:

One-time Card

One Enhanced Function that may be live in your market is the use of the One-time Card Service - one of Klarna’s available payment services. The use of the One-time Card Service is governed by the One-time Card terms available on our website.

1.7.5 Inactive Accounts

If your Account is inactive for twelve (12) consecutive months or more Klarna may cease to maintain your Klarna User Account records in relation to your use of the Klarna Extension and your access to the Klarna Extension. To reactivate your Klarna User Account, please contact ourcustomer service.

1.8 Sign In With Klarna (SIWK)

Sign in with Klarna (“SIWK”) helps you to easily and securely sign in to and authenticate yourself at third-party apps and services using your Klarna User account. You won't have to remember individual usernames and passwords for each app or service. These third-party apps and services are provided by companies other than Klarna. If you don’t already have an account with the third-party app or service the shared data will be used to sign-up to the service, which typically includes that a new account is created at the third-party.

When you use SIWK on a third-party app or service, Klarna will share your name, phone number and email address from your Klarna User Account to that third party. At some third-parties or services you will also have the option to share additional information at your choice. The shared data will be used by the third-party to check if you already have an existing account at the third-party and connect to it if that’s the case. If you don’t have an account on the third-party app or service the shared data will instead be used to facilitate the account creation at the third-party. If you use SIWK on a third-party app or service Klarna will continuously share the information you have approved with the third party. For example if you update the information in your Klarna User Account, Klarna will share these updates with the third-party app or service. Depending on the third-party app or service functionality enabled, SIWK might also automatically log you into your Klarna account when making a purchase with the third-party app, eliminating the necessity for a manual login through a separate authentication method.

You have the option to withdraw the third-party app's authorization to receive information from your Klarna User Account whenever you wish. This can be done through the Klarna App or by getting in touch with our customer service. Please note that this withdrawal for Klarna to share information will not affect the account at the third-party.

When you use SIWK, Klarna does not receive access to your third-party account, nor does the third-party receive access to your Klarna User Account.

Important:In addition to data shared by Klarna the third-party might request for additional information directly from you. This additional information will not be shared with Klarna. All information will be used by the third-party app or service as described in their privacy notice or elsewhere. Make sure to read them before you start using SIWK on a specific third-party.

1.9 Klarna Deals

Klarna may offer you discounts when paying with Pay in full, Pay Later and Pay in 4/3 at Klarna’s partner stores’ checkout (‘Klarna Deal’).

Klarna Deal is a discount offered by Klarna that will be automatically applied at checkout when paying with Klarna at Klarna’s partner stores (stores that offer Klarna as a payment option) through their websites or in the Klarna app. The Klarna Deals are not available through any third party websites or apps.

Each Klarna Deal is subject to specific conditions, such as the discount percentage or amount, how to redeem it and the promotion period (‘Klarna Deal Terms’).You may access the Klarna Deal Terms via email, Klarna purchase flow or in the Klarna app.

The Klarna Deal will apply to any Klarna payment method available at the partner stores’ checkout, excluding the One-time Card. There is no requirement to use a Klarna loan product to benefit from the discount, you can pay with Klarna Pay in full.

If more than one Klarna Deal is available at the same partner store, the highest discount will apply.

The Klarna Deal will not be reflected in any receipt from the retailer; please check your Klarna purchase receipt.

Klarna reserves the right to modify the Klarna Deal based on availability, store participation, or due to technical issues, as well as the right to remove the Klarna Deal from customers who are suspected to be engaging in fraud.

Klarna may get a commission from the retailer.

2. Are there any costs for the Service?

Klarna grants you a non-exclusive, non-transferable, non-sublicensable right to use the Service. The Service described in these Terms including features in the Klarna App is free of charge, unless specifically indicated otherwise. If you use one of Klarna's payment options, different terms and conditions apply and interest and fees may be charged. So make sure to check the information provided for the payment method you have chosen.

3. Changes of the Service and Terms

We are entitled to change these Terms from time to time, for the following reasons:

• to optimize the existing features of the Services, or add new features to the Services;

• to make these Terms clearer or more easy to understand;

• to fulfill legal, regulatory or security requirements that apply to us; or

• to make technical adjustments to ensure future functionality of the Services, or

• to bring the Services in line with our business strategy, which may include discontinuing existing features.

We will give you 30 days advance notice of such change that might negatively impact you - however, any new features can be used right away. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of those Terms. If you do not agree to the changes, your only option is to stop using the Services, or  contact customer service at any time to terminate this Agreement. More information on how to terminate this Agreement can be found under section “Duration and termination of this Agreement” below. Klarna also has the right to downgrade, limit or otherwise modify the scope and/or content of the Service at any time and/or amend, vary or alter these Terms, to the extent we consider it necessary to do so, without prior notice.

4. Privacy and your personal data

How Klarna processes your personal information when we provide our services is described in ourPrivacy Policy. There you can also find more information about your rights regarding your personal information, as well as how you can contact us if you have any questions.

When you register with Klarna App, and as part of providing the Service to you, we will collect your personal information (which may include sensitive information, such as information about your health). We will collect this information from you directly, or from third parties in connection to your use of a Klarna service, in order to provide the Service to you. If you do not provide, or Klarna cannot otherwise collect, all the information we request, Klarna may not be able to provide the Service to you. However, within the Klarna App, you will have the option of uploading and sharing some more information about yourself (such as via a 'wishlist'). If you would like to do so, this is solely your choice. Klarna may share your personal information with third parties such as Klarna's related companies and service providers we use for e.g. identity and credit checks. Some of these parties may be located overseas. We may use your information to send you marketing communications about our services, offers and promotions, as well as marketing communications regarding the products and services of merchants and partners, at which Klarna’s services can be used. You can opt out of marketing communications at any time by following the unsubscribe link in the message we send, or emailingdataprotection@klarna.com.au. Our Privacy Policy, which forms part of these Terms, includes our contact details, explains more about the types of personal information we usually collect and how we handle your personal information, as well as how you can seek access to, and correction of, your personal information, how to make a privacy complaint and how we deal with these complaints.

5. Your obligations

You agree to use the Service in accordance with these Terms and applicable laws. Without limiting the foregoing, you shall always provide correct information and use your own and correct identity. As further described in section 12 you must keep your contact information up to date. Any use of information that does not belong to you or that you for other reasons are not authorised to use (including User Content), or the use of the Service in a non-prescribed way, will be seen as a misuse. Any data relating to misuse or suspected misuse may be saved and used for future risk assessment and for the protection of involved parties. Klarna reserves the right to block the Service from further usage. If you upload import or share content to Klarna, like images texts, receipts, information on goods, services or deliveries, or other content (User Content), you grant Klarna a worldwide, non-exclusive, royalty-free, sub-licensable licence to use and display the User Content for purposes of delivering this Service. We have the right to remove any User Content uploaded or shared by you if we are required by law, or reasonably believe it is offensive, inappropriate, unlawful, violating the rights of others (including intellectual property rights), or otherwise objectionable. You are liable for any User Content uploaded or shared by you. You acknowledge and agree that if you upload, import or share User Content that is abusive, threatening, offensive or violates, or that Klarna reasonably believes violates the law or your agreement with Klarna, we may terminate or deactivate your use of the Klarna App.

You are solely responsible for your uploading, publication and sharing of content, and agree to indemnify and hold Klarna harmless from damages, loss or costs incurred by your uploading, publication or sharing of content, including in connection to third party claims against Klarna.

To the extent you cause processing of information about you by us, e.g. by uploading, publishing or sharing data in the Klarna App, about you indicating political or philosophical beliefs, trade union membership, data concerning health, biometrics, sex life or sexual orientation/practices, etc. or otherwise particularly sensitive personal data within the meaning of applicable national law, you give your explicit consent to us processing that data to perform our Service.

6. Login and security

You must keep your Klarna User Account login details safe and secure, including your connected phone and email address, to prevent unauthorised usage. The Service shall only be used by you as the Klarna User Account holder and not by anyone else. You shall not make purchases on behalf of others using the Service or your Klarna User Account. You shall not grant access to the Service or your Klarna User Account to anyone else for any purpose. Any access by others shall be deemed an unauthorised access of your Klarna User Account. Any data related to misuse or suspected misuse may be retained and used for future risk assessment. Klarna also reserves the right to terminate or deactivate your use of the Service without prior notice in case of significant breach of your security obligations.

To avoid unauthorised use of the Service on your behalf or unintended disclosure of your personal information, make sure only you have access to your login details and that you always log out from your Klarna User Account if you leave the computer or device unattended. You are responsible for any unauthorised use of your Klarna User Account or unintended disclosure of your personal information due to loss of login details or leaving your computer or device unattended.

Klarna has implemented additional security features to keep your account secure and prevent unauthorized access to your account. These measures also include measures to help you keep your information up-to-date, for example if Klarna notices discrepancies or changes in the Klarna User Account information not actively updated by you.

If at any time you wish to terminate your Klarna User Account, you can make a request by contacting ourcustomer service. If you terminate your Klarna User Account by contacting customer service or if we terminate your Klarna User Account then we will forfeit all of your unused Points at the date of termination.

7. General

If there is a conflict in these Terms with any other terms whatsoever attached to any other advertising material in respect of the Service, these conditions will take precedence.

Severability. If a provision of these Terms is invalid or unenforceable, it may be severed from these Terms and the remaining provisions of these Terms continue in force.

Entire agreement. These Terms (together with the Payment Terms, the Privacy Policy and any terms that relate to a specific service or payment method offered by Klarna that you choose to use and any other terms and condition incorporated by reference) are the entire agreement between us on its subject matter and supersede any previous arrangements and agreements (whether verbal, in writing or in some other format).If there is a conflict in these terms with any other terms whatsoever attached to any other advertising material, these conditions will take precedence.

8. Services from other companies

For some features you have the option to use may include services provided directly to you by companies other than Klarna, such as tracking features from logistics companies. When you use such features that rely on services from other companies, you authorize Klarna to utilize those services on your behalf. We do not provide any warranty, or assume any responsibility regarding the quality, accuracy, source, merchantability, fitness for purpose or any other aspect of those third party services.

If you use Google Maps in connection with the Service, for example by searching for your address in the address bar, the Google Maps/Google EarthTerms of Serviceand Google'sPrivacy Policyapply. Furthermore, to prevent abuse of the Service, Klarna may use reCAPTCHA, and if so, Google’sTerms of ServiceandPrivacy Policywill apply.

9. Duration and termination

This agreement is valid until either you or Klarna terminates it. You may terminate the agreement at any time by contacting customer service in accordance with the Terms of this Agreement. This Agreement can be terminated at any time by you or us by providing the other party with one months' notice or immediately for objectively justifiable reasons, for instance security, suspicion of fraud, your breach of these Terms or abuse of the Service. We will notify you in writing (which includes by email) of any such termination as soon as practicable. You cannot terminate the agreement if you have an outstanding payment or if you are using a service provided by Klarna that is either time-limited (and has not expired) or a service that has a notice period, and that period has not expired. Klarna may terminate the agreement at any time by giving you 30 days prior notice by sending an email to you. When the termination of this agreement enters into effect, you will no longer be able to use the Service.

We may also terminate this agreement at any time for good cause, in particular if you violate your obligations under these Terms or otherterms and conditions for Klarna servicesor laws, regulations or third-party rights in connection with your use of the Klarna services in a way that we cannot reasonably be expected to continue the contractual relationship.

Please note that in the event of termination of this agreement as per any of the above-mentioned reasons, the use of the Service, including any features provided in, or managed via, the Klarna App, will no longer be available.

10. No right of withdrawal (“the right to change your mind”)

By entering into this agreement, you agree that the Service will commence and thereby agree that there is no right of withdrawal. However you can terminate these terms at any time.

11. Limitation of liability

Klarna and our affiliates have no liability for your use of the Service or for any product that you purchase by using our Service. This means, for example, that we have no obligation to compensate you for any direct or indirect damage, including loss of profit or claims from other parties. Information that you receive from us will not create any warranty or guarantee from us. Furthermore, we are not responsible for any financial loss based on any decisions you make using the Service, nor are we responsible for any inaccuracies in the Services.

Product specifications and other information have either been made accessible by suppliers, manufacturers, merchants, publications, publicists or been gathered from public-domain sources. The intention of Klarna is that all information on the website should be as accurate and up-to-date as possible. However, Klarna cannot guarantee the reliability or the accuracy of the information contained within its pages.
We urge our users to conduct their own research prior to purchasing from the stores listed on our service to ensure the accuracy of the prices. All the actions taken by the user of the website are the responsibility of the individual. Klarna cannot make any guarantees that any information is correct or be held liable for any actions taken based on the product and pricing information provided.

If you want to report an error or have any questions please contact Klarna at the address listed below. Merchants listed on the Klarna site are independent third parties and Klarna is not acting as a principal, agent or broker with respect to any advertisers. Your relationship with any merchant you contact through this site is solely between You and the merchant. You agree not to hold Klarna liable for any loss or damage of any sort incurred as the result of any business conducted with our merchants or as the result of the content provided by such merchants through the Site.

In other words, we provide you with access to shops, merchants and offers, but we are not involved in the supply of the products you purchase through them.

Klarna has no warranty, compensation, maintenance, support or availability obligations for the Service. Except to the extent that liability cannot be excluded or limited as a matter of law, Klarna accepts no responsibility or liability for (a) Klarna User Accounts which are created using incorrect or inaccurate information; (b) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications, line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers used in any aspect of the operation of the Service; (c) inaccessibility or unavailability of any network or wireless service, the Internet and/or any website; (d) any injury or damage to any person’s computer(s) or mobile device(s) which may be related to or result from any attempt to use the Service; or (e) any matter outside of its reasonable control.

Consumers guarantees

To the extent permitted by law, any conditions, warranties, guarantees, rights, remedies, liabilities, and other terms implied or conferred by statute, custom or the general law that impose any liability or obligation on us are excluded under these Terms. However, if a supply under these Terms is a supply of goods or services to a consumer within the meaning of the Australian Consumer Law (contained in Schedule 2 to the Competition and Consumer Act 2010 (Cth), as amended or replaced from time to time), nothing contained in these Terms (including the exclusions or limitations on Klarna's or its affiliates' liability in this section 11) shall excludes, restricts or modifies the application of any provision, the exercise of any right or remedy, or the imposition of any liability under the Australian Consumer Law, provided that, to the extent that the Australian Consumer Law permits us to limit our liability or the liability of our affiliates, then our that liability is limited to the cost of supplying the services again or payment of the cost of having the services supplied again.

Exclusion of liability

Subject to the section titled 'Consumer Guarantees' above, and to the extent permitted by law, we exclude liability for all, indirect or consequential liabilities, losses, damages, costs and expenses, (including, without limitation, loss of revenue, loss of goodwill, downtime costs, loss of profit, loss of or damage to reputation, loss under or in relation to any other contract, loss of data, loss of use of data or loss of anticipated savings or benefits) whether arising in contract, tort (including negligence) or otherwise, suffered or incurred by any person in connection with or in any way relating to the Service.

To the extent our liability is not excluded by these Terms, our maximum aggregate liability to you for all and any claims or losses arising out of or in connection with these Terms or our Service, whether arising in contract, tort (including negligence) or otherwise, will not exceed AU$100.

Force majeure.

Neither party will be liable to the other for any failure to fulfil, or delay in fulfilling, its obligations caused by circumstances outside of its reasonable control.

12. Electronic communication

By accepting these Terms and/or using our Service, you agree that Klarna may provide all communications, payment information, terms and conditions, information we are required to provide by law, all communications regarding any complaints and other information to you electronically to the email address you have provided to us.

Keep your contact information up to date

It is your responsibility to ensure that Klarna has your current email address and mobile phone number, so that we can communicate with you electronically. Keeping your information up-to-date is also important in order to keep your account secure - to prevent unauthorised access, and to keep the access to your account. If you need to update your primary email address, please contactcustomer serviceto make the change.

Questions

If you have questions about how we communicate with you, or electronic communications in general, please contact our customer service.

13. Assignment or transfer

You agree that we may assign to any person or entity any of our rights under the agreement to which these Terms apply. Such assignment of our rights will not in any manner inhibit your statutory (consumer) rights.

You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time provided that such transfer does not alter your rights and obligations under these terms to your detriment.

You acknowledge and agree that, when using one of Klarna’s payment methods, Klarna has the sole right to receive payment from you, and such right may be assigned, pledged and/or transferred.

14. About Klarna

Klarna Australia Pty Ltd, ABN 82 635 912 579, Level 16, 175 Pitt Street, SYDNEY NSW 2000, Australia. Klarna is registered as a proprietary company under the Corporations Act 2001 in New South Wales with registration number ACN 635 912 579. Klarna customer service can be contacted athttps://www.klarna.com/au/customer-service/.

15. Customer service and complaints

If you have a complaint towards Klarna, you can submit your complaint through the contact form on Klarna’s website (klarna.com/au/), via email atservice@klarna.com.auor via postal mail with the keyword "Complaint” to: Klarna Australia Pty Ltd, Level 16, 175 Pitt Street, SYDNEY NSW 2000, Australia. More information can be found onhttps://www.klarna.com/au/customer-service/. If we are unable to resolve your complaint, you may refer your complaint to the Australian Financial Complaints Authority (AFCA). More information can be found on AFCA’s website:info@afca.org.au. You may also contact AFCA via phone at 1800 931 678 (free call) or by postal mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.

16. Governing Law and jurisdiction

These Terms will be governed by and construed in accordance with the laws in force in New South Wales, and you unconditionally submit to the jurisdiction of the courts of New South Wales.

17. Intellectual property and trademark

All content included in or made available through our Service, such as text, graphics, logos, button icons, images, digital downloads, data compilations, and software, is protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights), and is owned by Klarna or one of our affiliates (unless otherwise stated). The copying, redistribution, use or publication by you of any part of the Service, unless expressly permitted in these Terms, is strictly prohibited. Use of the Service does not give you ownership of any intellectual property rights in any of the content, documents or other materials you access.

The trademarks, service marks and logos (the “Trademarks”) used and displayed in association with the Service are registered and unregistered Trademarks of Klarna. Other trademarks, service marks and trade names may be owned by others. Nothing on the Service should be construed as granting, by implication, estoppel or otherwise, any licence or right to use any Trademark or any other Klarna intellectual property displayed in association with the Service. The name “Klarna” and any other Trademarks shall not be used in any way, including in advertising or publicity pertaining to distribution of materials on the Service, without prior written permission from Klarna.

Should you decide to provide us with feedback, such as suggestions for service enhancement, please note that we reserve the right to utilize your feedback with no obligations to you. This could be incorporated into our business operations, service modifications, marketing strategies, or any other relevant areas applicable.