PRIVACY STATEMENT

SECTION 1 – WHAT DO WE DO WITH YOUR INFORMATION?

When you buy something from our store, as part of the buying and selling process, we collect the personal information you provide to us.

details such as name, address, and email.

When you browse our store, we also automatically receive the Internet Protocol (IP) address of your computer.

to provide us with information that helps us learn about your browser and operating system.

Email marketing : With your permission, we may send you emails about our store, new products, and other updates.

SECTION 2 – CONSENT

How do I get my consent?

When you provide us with your personal information to complete a transaction, verify your credit card, place an order, arrange for delivery, or make a return, we imply that you consent to our collection and use for that specific reason only.

If we ask for your personal information for a secondary reason, such as marketing, we will ask you directly for your express consent or give you the opportunity to opt-out.

How can I revoke my consent?

If after agreeing you change your mind, you may withdraw your consent for us to contact you, for the collection, use or disclosure of your information, at any time, by contacting us at info@market-auto.com or by writing to us at: Market-auto calle de l’busarde n4, Madrid, MD, 28815, Spain.

SECTION 3 – DISCLOSURE

We may disclose your personal information if we are required to do so by law or if you violate our Terms of Use.

SECTION 4 – WOOCOMMERCE

Our store is hosted on WordPress. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

Your data is stored through WordPress data storage, databases, and the general WordPress application. Your data is stored on a secure server behind a firewall.

Payments:

If you choose a direct payment gateway to complete your purchase, WordPress stores your credit card data. It is encrypted via the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only to the extent necessary to complete the purchase transaction. When the transaction is complete, your purchase transaction information is deleted.

All direct payment gateways adhere to the standards set by PCI-DSS as defined by the PCI Security Standards Council, which is a joint effort of brands such as Visa, MasterCard, American Express, and Discover.

PCI-DSS requirements help ensure that credit card information is securely processed by retailers and their service providers.

For a clearer view, you can also read the WordPress Terms of Service here or the privacy statement here.

SECTION 5 – THIRD-PARTY SERVICES

In general, the third-party vendors we use will only collect, use, and disclose your information to the extent necessary to enable them to perform the services they provide to us.

However, some third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies regarding the information we are required to provide to them for your purchase-related transactions.

For these providers, we recommend that you read the privacy policies so that you can understand how your personal information will be handled.

In particular, please keep in mind that some providers may be located or have facilities located in a different jurisdiction than you or us. Thus, if you wish to proceed with a transaction involving the services of a third-party service provider, your information may be subject to the laws of the jurisdiction in which that service provider or its facilities are located.

For example, if you reside in Canada and your transaction is processed by a payment gateway based in the United States, your personal information used to complete your transaction may be subject to disclosure under U.S. law, including the Patriot Act.

Once you leave our store’s website or are redirected to a third-party site or application, you are no longer governed by this Privacy Policy or our website’s Terms of Use.

Links:

When you click on links on our store, you may be directed away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy policies.

SECCIÓN 6 – SEGURIDAD

Para proteger tu información personal, tomamos precauciones razonables y seguimos las mejores prácticas de la industria para asegurarnos de que no haya pérdida de manera inapropiada, mal uso, acceso, divulgación, alteración o destrucción de la misma.

Si nos proporcionas la información de tu tarjeta de crédito, dicha información es encriptada mediante la tecnología Secure Socket Layer (SSL) y se almacena con un cifrado AES-256. Aunque ningún método de transmisión a través de Internet o de almacenamiento electrónico es 100% seguro, seguimos todos los requisitos de PCI-DSS e implementamos normas adicionales aceptadas por la industria.

COOKIES:

Here is a list of the cookies we use. We list them so you can choose whether you want to delete them or not.

_session_id, unique token, sessional.

_wordpress_visit, no data held, Persistent for 30 minutes from the last visit, _shopify_uniq, no data held, expires midnight (relative to the visitor) of the next day, Counts the number of visits to a store by a single customer.

cart, unique token, persistent for 2 weeks, Stores information about the contents of your cart.

_secure_session_id, unique token, sessional

storefront_digest, unique token, indefinite If the shop has a password, this is used to determine if the current visitor has access.

SECTION 7 – AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your dependent minors to use this site.

SECTION 8 – CHANGES TO THIS PRIVACY POLICY

We reserve the right to change this Privacy Policy at any time, so please review it frequently. Changes and clarifications will come into force as soon as they are published on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how, and under what circumstances, if any, we use and/or disclose it.

If our store is acquired or merged with another company, your information may be transferred to the new owners so that we can continue to sell products to you.

Klarna Privacy Statement

At Klarna, we are committed to respecting your privacy. Therefore, we always collect and process your personal data responsibly, taking into account your privacy. This Privacy Statement describes how Klarna Bank AB (publ) (“Klarna”) collects and uses your personal data when you use any of Klarna’s services (the “Services”) and become our customer. Examples of how to use these services include paying via one of our payment methods, contacting us, using the Klarna website and mobile app (the “Klarna App” or the “Klarna App”), or auto-filling information at a store’s checkout using Klarna. . This privacy statement also describes the rights you have regarding the processing of your personal data and how to exercise these rights.

This privacy statement applies, except as described in section 1 below, to all personal data processed by Klarna. It is therefore important that you read and understand this privacy statement.

Some of our services provide access to content and features offered by companies and organisations that are not part of Klarna (“Third-Party Services”). This is the case, for example, when we provide access to third-party websites from our web pages, or when you access third-party websites using the search engine of the Klarna App. This Privacy Statement does not apply to the collection and use of your personal data on third-party services, and Klarna is not responsible for the processing of your personal data by such third parties.

“We”, “us” or “our” means Klarna Bank AB (publ) registered in the Swedish Commercial Register under number 556737-0431 and whose registered office is at Sveavägen 46, 111 34 Stockholm, Sweden. For the purposes of European data protection regulations, we are responsible for the data we receive from you or otherwise collect about you, and we are responsible for ensuring that your personal information is used in accordance with applicable data protection regulations.

1. Other Klarna Privacy Notices

The “Klarna Ident” and “Klarna Open Banking” services use your personal information in accordance with what is expressed in the privacy statements of each of these Services, which will be made available to you when you use them. These statements will apply in lieu of the information described here. Individual privacy statements may be made and made available in connection with specific campaigns or offers that are temporarily available. If this is the case, the aforementioned individual statements will be made available to you in connection with the aforementioned campaign or offer.

If you are an employee of Klarna, a candidate applying for a job at Klarna, or an employee of a store that cooperates with Klarna, other privacy statements apply to Klarna’s processing of your personal information. For these purposes, relevant contact information will be made available. Please contact us using the information in Section 13 if you would like a copy of the relevant privacy statement.

2. What type of information do we use?

2.1 Information You Provide to Us

You may provide us with information about yourself when you use any of the Klarna services, for example when you choose to pay with one of the Klarna payment methods, when you contact us or when you use the Klarna app. Please note that you will be the only person authorized to provide your own personal data when using the Services, in order for the services to be provided correctly.

Depending on the Service you decide to use, this personal information will be:

• Identification and contact information – name, date of birth, national identification number, title, billing and shipping address, email address, mobile phone number, nationality, salary, sound recordings, photos and video recordings of you and your ID card, etc.
• Payment information – credit and debit card details (card number, expiration date, and security code (CVV)), bank account number, etc.
  Special categories of data – you may, at your discretion, provide us with information that constitutes “special category” personal data in accordance with EU Regulation 2016/679 (the “GDPR”), such as, for example, data on religion, politics. or philosophical beliefs, trade union membership, health, biometrics, sexual life or orientation.
• We will never need this type of information to provide our Services. The provision of this type of information will be strictly voluntary and based on your explicit consent. Please refer to section 5 for information on how to revoke your consent.

You can change your profile information, as well as your contact information and any other settings that can be changed at any time. This can be done through the Klarna app or by contacting us.
2.2Information we collect about you

Depending on the Services you choose to use, we may collect the following information about you, either ourselves or through third parties (e.g., credit reporting and fraud prevention agencies, stores, or public databases):

• Identification and contact data – name, date of birth, identification number, title, profession, gender, address for billing and shipping purposes, email address, mobile phone number, nationality, sound recordings, photos and video recordings of you and your ID card, etc. .
  Product and service information – data about the products and services you purchase or order, including, for example, product type or shipping tracking number.
• Financial Information – financial information we collect from third parties, such as revenues, potential credit commitments, observations of negative payments, information about past payments, and credit acceptances.
• Information about your interaction with Klarna – how you use the Services, including information relating to current and historical debts and your credit repayment history with Klarna, technical data such as page response times, download errors, personal preferences, interactions with Klarna’s customer service, etc. .
• Recording of telephone conversations – we record telephone conversations with customer service.
  Information about your interaction with stores – relationships with the stores you visit or buy from, as well as information about whether products have been received and the type of store in question.
• Device information – for example, the Internet Protocol (IP) address used to connect your computer to the Internet, language settings, browser settings, time zone settings, operating system, platform, and screen resolution. To better understand how we may collect information from your device or store information on your device, see Section 11.
• Information from External Sanctions Lists and PEP Lists – we may screen personal information about you on lists of persons to whom sanctions have been imposed and on lists of “politically exposed persons” (“PEPs”). These lists include information such as name, date of birth, place of birth, occupation or position, and reasons for being on the list.
• Information for specific services – for the purpose of providing some of our services, we may collect and process additional personal information that is not covered by the categories described above. Please refer to section 4 to find out what additional personal information is processed for each respective service.

3. What personal information do we process, for what purpose and why is it legal to do so?

Depending on the Services you use, Klarna may process your personal information for the purposes described below, based on the applicable legal bases respectively. You can find more specific information about how we process your information in some of our services in section 4.

Processing for the purpose of providing the Services

Product Research and Improvement

Klarna compliance and protection against legal claims

Offer marketing products

4. Specific processing of personal information in certain Klarna services

This Section describes the processing of your personal data specific to certain Services. To learn more about our Services and their features, please see the terms and conditions of the relevant Service.

4.1 Klarna Credit Services

The following Services involve the granting of credit: Pay later (invoice), Pay now (direct debit), Financing (financing), in addition to the Klarna Card and the single-use card (both available in the Klarna App). To provide these Services, we conduct a credit assessment. The credit assessment is carried out on the basis of the contact and identification details provided, information about your interaction with Klarna, as well as financial information. Financial information includes information obtained externally through credit rating agencies, such as revenue and observations on payments. You can learn more about our use of credit rating agencies in Section 7.4.

Klarna Card and the single-use card

When you apply for the Klarna Card and the One-Time Card (available in the Klarna app), Klarna performs a credit assessment, just like we do with the rest of our credit services. If you have a Klarna card, Klarna continually updates the credit score based on your interactions with Klarna.

We share information about you and the purchases you make when you use the Klarna Card with VISA and participants in the VISA card network to the extent necessary to complete card transactions, prevent fraud, and comply with applicable regulations. If you renew your Klarna Card or receive a new one, we will pass this information on to VISA so that VISA can notify third parties who have stored your Card details (e.g. for recurring transactions).

If you add your Klarna card to a digital wallet, we may need to share your data with the digital wallet provider if this is stated in that provider’s privacy notice.

4.2 Promotions and invitations to events published on social networks

If you have selected one of our promotions or invitations to events posted on social media, we may receive the contact information provided in your profile (such as your name, email address, and phone number, as well as other business information such as your employer’s name, address, and industry). We use this information to provide you with the requested Service, as well as promotions and offers on our Services. You can always unsubscribe by contacting us, see section 13.

4.3 Klarna accounts (savings and payment accounts)

If you have a Klarna account, Klarna will also process your transaction and funds information. If you make transactions or payments to other accounts, Klarna will pass your name and account number to the recipient and their financial institution.

In addition, if you have made payments to a Klarna account, Klarna will process the information received from the bank you used for the transaction, such as your name and account number.

4.4 User experience provided under Klarna’s Terms of Use

In order to provide a tailored user experience, both before and after a purchase, Klarna offers the services described below and which are also explained in more detail in Klarna’s Terms of Service. The use of these Services involves the following processing of your personal data:

Transaction history

We store information about products/services purchased using our Services, or we choose to provide access so that you can view that information.

Completion of information.

The information can be supplemented in two ways: manually by the user and/or via “cookies”.

Manual completion of information

When you use our Services, we may ask for your contact and identification information, such as your name, address, phone number, email address, date of birth and/or national identification number, and other information, as applicable. We store this information in our systems so that when you return to or use our Services again, you only need to provide certain information, such as your phone number, email address, zip code, or identification number (depending on the country), so that We can complete the remaining fields with the information previously provided.

Fulfillment via “cookies”

Another method that could be used to complete your information is to use “cookies” on your device (computer, tablet, mobile phone, etc.), which allow you to choose whether or not to store information such as your name, address, phone number, email. address, date of birth, national identification number and card details. If you do so, we will use the “cookie” to obtain the remaining information embedded in Klarna, when you use our services on the same device. We will automatically populate this information in your interactions with Klarna.

Disabling Autofill of Information

If you do not wish to use the information autofill features, you can contact us to adjust your settings. You can also adjust your settings directly from the Klarna app or when shopping at a merchant. You can delete cookies from your device at any time, which will consequently delete our cookies.

Pre-selected preferred payment methods

Klarna can evaluate which payment method is your preferred payment method when you shop and shortlist that payment method for you. However, this process and intervention does not determine which payment methods will be available. For this purpose, both the available information about previous interactions with Klarna is processed, as well as information about previously selected payment methods, purchase price(s), as well as locations. This evaluation gives rise to “profiling”. See section 6 for more information on creating profiles.

Offers and benefits

In order to provide you with offers and benefits such as discounts, special events, early access to products, sales promotions, merchant offers, samples, giveaways, etc., information about your previous interactions with Klarna (such as the number of purchases made in a certain period of time), identification and contact data, information about goods/services and information about your interaction with companies. This may involve profiling. See section 6 for more information on creating profiles.

This information is used as the basis for Klarna’s marketing and customer analysis, business and method development, as well as for statistical purposes.

As part of the Offers and Benefits Program, this information may be used to communicate with you and send you offers and benefits, by Klarna, its suppliers and subcontractors (acting on behalf of Klarna), by physical messaging, text messages, emails. , social media and other digital communication channels. Klarna and its suppliers and subcontractors will not use any direct marketing channels for this purpose (e.g. emails or SMS) if you have chosen not to participate in direct marketing campaigns (or, respectively, if you have not expressly indicated your willingness to participate in direct marketing campaigns, but it is a legal requirement in your country of residence).

You may opt-out of receiving offers or benefits either by unsubscribing via the link provided in each of our emails or by contacting us, see Section 13.

Klarna App

If you use the Klarna App, we will process additional personal information (e.g. information uploaded by you with your consent) in order to provide you with the services you choose in the App, as described below. In addition, when you choose to use benefits or participate in specific offers, the provider of those offers may infer that you are using the Klarna services. Customizing the content of the Klarna app involves creating a customer profile, which is an integral part of the Klarna app as an online shopping assistant. You can find more information about creating profiles in section 6 below.

• Personalized items and ads : You may see items and ads that are personalized based on your previous purchases, contact and identification information, information about goods or services, information about the interaction between you and Klarna, and information about the interaction between you and merchants, on devices. and service-specific information.
• Sponsored Links : If you select a sponsored link that promotes a store, product, or service, you will be redirected to the store’s website through a third party, a so-called “affiliate network” (as explained in section 7.14). The affiliate network may use tracking technology on your device that contains information that you have selected such a link on the Klarna app, which could then be used to track your visit to the store and thus calculate a potential commission from Klarna.
• Personalized Klarna Overview : An overview is presented, showing the status of your Klarna purchases and purchase history, you can access potential refunds, settle payments, and extend your payment terms.
• Personalized shopping collections: If you have shared information with us regarding topics, products, and services that are of general interest to you, we will use this information to provide you with personalized shopping options, where you can find products and services that are tailored to your interests.
• Delivery and parcel tracking : In some cases, you will be able to track the route of your parcel.
  Ability to “follow” stores – If you choose to “follow” a store, you will receive information about campaigns related to that store. Klarna will automatically assess whether your purchases qualify you for discounts and other offers as part of that store’s campaign.
• Credit Services : We can offer you credit, based on your previous purchases.
• One-time card purchases: Shopping through the Klarna app is a way to use Klarna payment methods in virtually any store, via the one-time card. When you use the one-time card, Klarna collects information about your purchases and displays it in the app.
• Customer service: When you contact our customer service through or in connection with the Klarna app, we will have access to the information you provide.
• Email Login – If you have connected your email account to Klarna’s email login service, Klarna will regularly access your email account and extract purchase-related information, as well as tracking ID and other information about products and services and your interaction with stores to complete this form. information in the Klarna app. You can disable this service at any time, thereby removing access to Klarna.
  Store Locator – You have the option to choose to share your location. If you consent to use this information, Klarna will show you the nearest stores. At any time, you can revoke your consent by turning off sharing on your device. Klarna will not record your location once we show you the stores.
• The web browser within the app : The Klarna App contains a web browser in which you can access the websites of stores and online shops to buy using Klarna payment methods, as well as stores that do not yet use our payment methods. Klarna collects information about how you use the search engine to provide you with offers and promotions that may be relevant. In addition, the websites you visit may install their own “cookies” and other tracking technologies on your device.
• Visual search : You can choose to upload product photos, either by taking a photo of the product or by choosing a photo from your mobile phone’s gallery, and we will try to find similar products to show you.
• Favorites (wishlist): You can choose to add products and services from the Klarna app to your favorites to view them later or track their prices. You can also share your favorites list with others like friends and family, so they can see your profile picture and name. In some cases, if you are registered on a store’s website, the link to a product or service you choose to add to your Favorites may include personal information about you from that website, such as your email address.
• Your linked bank accounts (the Personal Financial Service): Using this Service will allow you to gain insight into your financial situation, including not only your transactions with Klarna, but also in relation to your linked bank accounts. When you choose to use this Service, Klarna will process information about external bank accounts and other accounts (such as card accounts) that you choose to link, as well as collect personal information such as account number, bank, account transaction history, or available information. funds and assets. Based on this information, Klarna will be able to visualise and provide you with the tools to take control of your finances through offers tailored to your specific situation (and using profiling, as detailed in section 6). This is done by comparing your expenses with those of other users of the Service. Based on this comparison, we can, together with our business partners, offer you ways to minimize your fixed and non-fixed costs.
• Profile Picture – You may choose to post a profile picture in the Klarna app, in which case such an image could be displayed in various Klarna interfaces (e.g. when paying at the checkout of a store using Klarna, or in the Klarna app). . Klarna interfaces could also be found integrated into the store’s apps. This image may also be shown to others if you share your device (while using the autofill features via “cookies”) or if you choose to share the content of your Klarna app with others. You can, at any time, delete your image in the Klarna app or by contacting us.

5. Revoke consent

In cases where Klarna processes your personal data on the basis of your consent or explicit consent (for example, if you present a power of attorney allowing another party to access your information, in the event that information is provided indicating that you are a vulnerable customer, or if you have uploaded special category personal data to our services), you can, at any time, revoke this consent, either by contacting us or by deleting your data from the Klarna app. Revoking consent will not cause you any harm. , as we do not require this type of information to provide our Services.

6. Profiling and automated decision-making

Profiling involves the automated processing of your personal data to evaluate certain personal aspects of you, such as the ability to analyze or predict aspects of your financial situation or preferences, such as your purchasing interests. We use profiling based on the personal data we hold about you in order to make individual or automated decisions for the following purposes:

Decisions without legal effect or substantially similar effect

Klarna makes the following decisions without legal effect or substantially similar effect for you:

• Plan what marketing content you might be interested in. You can always object to and opt-out of this advertising and profiling by contacting us (for more information on the processing of personal information for marketing purposes, see section 3);
• Decide which loyalty rewards would be right for you (see section 4.4 Offers and benefits for more information);
• Decide on the most appropriate way to contact you regarding an outstanding debt (see section 3 for more information);
• Decide what content you want to display in the Klarna app. See section 4.4 Klarna App for more information.
• Decide in which order the different payment methods should be displayed when checking out at a store using Klarna.

In addition, some of our Services (such as when you connect your bank and similar accounts in the Klarna app) use profiling to provide you with the relevant Service, for example by providing relevant financial information or selecting which offers to present to you, according to the terms of the relevant Service.

Decisions with a legal effect or a substantially similar effect

Automated decision-making with legal effects, or automated decisions with a substantially similar effect, means that some of the decisions relating to our Services are based solely on automated means, without the interaction of any of our employees, and have a significant impact on you as a consumer. Through such automation of decision-making, Klarna increases the objectivity and transparency of decisions when offering the Services.

We use this type of automated decision-making when:

• We have decided to approve your application to use our credit services;
• We have decided not to approve your application to use our credit services;
• We decide that you pose a risk of fraud or money laundering if our process reveals that you are displaying behavior consistent with money laundering, fraudulent conduct, behavior that is inconsistent with your prior use of our Services, or appear to have deliberately concealed your true identity. In some cases, Klarna also checks whether a specific customer is included in the so-called sanctions list.

See section 3 for more information on the types of personal data processed for these purposes.

You always have the right to object to an automated decision with legal or substantially similar effect (with the profile connected to it), by contacting us via the email address mentioned in section 13. A Klarna employee will assess your case.

7. With whom do we share your personal data?

We may share your personal data with the categories of recipients listed below for the purposes detailed below. The precise choice of the recipients with whom personal data is shared depends on the Service used and the purposes for which it is intended. When we share your personal data, we take all reasonable contractual, legal, technical and organisational measures to ensure that your data is treated securely and with an adequate level of protection, and in accordance with applicable law.

7.1 Suppliers and subcontractors

Klarna shares personal data with the suppliers and subcontractors we use to provide our services to you. Suppliers and subcontractors are companies that only have the right to process the personal data they receive from Klarna, on behalf of Klarna. Examples of such vendors and subcontractors are software and data storage providers, payment processing services, or business consultants.

7.2 Stores

Klarna shares personal data with the stores you visit or shop at (which may include the store’s group companies, if you have been informed of this by the store). This allows the establishment to execute and administer your purchase and to manage your relationship with the store or group companies, for example, verifying your identity, sending you the products, dealing with any issues or disputes, sending you marketing of interest and preventing fraud. Personal data shared with a merchant is subject to that merchant’s privacy statements and practices.

7.3 Payment Service Providers (“PSPs”) and Financial Institutions

PSPs provide services to stores and Klarna to accept and manage electronic payment methods, via a variety of payment methods, including credit card and bank payments such as direct debit, bank transfers, and more. Some companies use PSPs with whom they also share their information for payment processing. They share information in accordance with the provisions of their privacy notices. Stores may also, for the purposes of processing and administering payments, ask us to share your information with PSPs. In addition, some PSPs also collect and use your information independently in accordance with their own privacy notices. This is the case, for example, if you use a digital wallet.

In addition, Klarna may share information with other financial institutions when you make transactions with your Klarna account, in order to complete them.

7.4 Credit Rating Agencies

If you apply to use a credit service (see section 4.1 for more details on our credit services), your personal data may be shared with credit rating agencies (“CCAs”) to assess your credit score against your application, to confirm your identity. and to protect you and other customers from fraud. This exchange constitutes a search for credit.

In Spain, Klarna sends the ACC your address, date of birth, as well as the Tax Identification Number (NIF), Foreigner Identity Number (NIE) and/or National Identity Document (DNI) for the purpose of making the “credit”. research” about you. This search or “credit search” will affect your credit score with the ACC.

Klarna will also share information about your payments (including late payments and undisputed non-payments) with the ACC, and this information may be included in credit default records, which could affect your credit score with the ACC, and may be viewed by third parties.

The ACC will treat your information in accordance with their own privacy policies, and you can find the agencies we work with here.

Please note that Klarna only keeps the credit score received from an ACC in script data format. This means that you are advised to request a copy of the assessment directly from the ACC if you wish to see a readable version.

7.5 Fraud prevention agencies and companies providing identity verification services

Your personal data may be shared with fraud prevention agencies and companies that provide identity verification services to verify your identity, the accuracy of the information provided, and to prevent criminal activity. The companies we cooperate with in Spain are detailed here. Please note that these companies process your data in accordance with their own privacy statements.

7.6 Klarna Group

Your information may be shared with companies within the Klarna group, based on Klarna’s legitimate interest in operating its business.

7.7 Social Media Companies

If you contact us via social networks such as Facebook or Twitter, your data will be stored and processed by these companies in accordance with their privacy statements.

7.8 A person who has a power of attorney

Klarna will share your data with a person who provides us with a power of attorney granted by you in favour of that person to receive your data. Data will be shared based on your consent.

7.9Google

Cuando usted utilice Google Maps en el proceso de pago (por ejemplo, al buscar su dirección en el campo de dirección) o en la aplicación Klarna, Google procesará su información de acuerdo con las condiciones de servicio y la política de privacidad de Google Maps/ Google Earth. In addition, when you use the Klarna app through a web browser, Google collects information about your device through its reCAPTCHA service, sometimes in combination with any information you enter into the reCAPTCHA service. Google processes this information in accordance with its own privacy policy. Klarna processes this data on the basis of its legitimate interest in conducting its business, as the reCAPTCHA service prevents misuse of our services.

7.10 Authorities

Klarna may disclose necessary information to authorities such as the police, tax agencies or other authorities if required to do so by law or, in certain circumstances, if you ask us to do so, or if necessary, to arrange tax deductions. An example of such legally required disclosure relates to money laundering or countering the financing of terrorism.

7.11 Logistics and Transportation Companies

Klarna may share your information with logistics and transport companies that deliver the products ordered to you, if you have opted for parcel tracking. Examples of the data we share are contact and identification information, as well as the tracking number. Please note that logistics and transport companies process your data in accordance with their own privacy statements.

7.12 Personal Financial Services Partners and Offer and Benefit Programs

If you decide to take advantage of the offers and benefits offered by Klarna through the Personal Finance Service or through the Offers and Benefits Programme, Klarna may share necessary personal information for the purpose of enabling you to access offers made in cooperation with our partners (this includes the fact that you are a Klarna customer). The personal information shared is displayed in each of the offers.

7.13 Debt collection agencies and other entities acquiring outstanding credit

Klarna may share information about you when it sells or collects unpaid debts to third parties, for example to debt collection agencies. The personal information shared is based on a legitimate interest in collecting and selling debts. Debt collection agencies, or any other type of unpaid credit acquirer, may process your personal data in accordance with their own privacy notices, or on behalf of Klarna. Debt collection agencies, or any other type of unpaid credit acquirer, may also report your outstanding debt to the rating agencies, which can affect your credit score and ability to obtain credit in the future.

7.14 Affiliate Networks

Klarna may share information indicating that you have selected a sponsored link (i.e. links that promote stores, products or services) with so-called “affiliate networks”. This redemption takes place when you select a sponsored link as you will be redirected to the store’s website through an “affiliate network”. The affiliate network may use tracking technologies on your device that contain information that you have selected a sponsored link on one of Klarna’s interfaces, in order to track your store visit and thus calculate any Klarna commission. Affiliate networks may process your personal data in accordance with their own privacy statements.

7.15 Divestment

• In the event that Klarna sells or buys the credit position in a credit that is the subject of a claims procedure, business or asset, Klarna may disclose your personal data to the prospective seller or buyer of that credit position, business or asset.
  If Klarna or all of its assets are acquired by a third party, Klarna customers’ personal data may be disclosed and shared.

8. Where does Klarna process your personal data?

We strive to ensure that the processing of your personal data always takes place within the EU/EEA. However, in certain circumstances, for example where we share your personal data with a Klarna group company, or with a supplier or subcontractor located outside the EU/EEA, your personal data may nevertheless be transferred to and processed to a destination outside the EU. /EEE. If the store you are buying from is located outside the EU/EEA, sharing your personal data with the store will mean that your data will be transferred outside the EU/EEA.

We ensure an adequate level of protection and that appropriate safeguards are put in place in accordance with the requirements of data protection regulations, such as the GDPR, whenever transfers of your data take place outside the EU/EEA. These guarantees consist of ensuring that the country or third country concerned is subject to an adequacy decision by the European Commission or that the standard contractual clauses of the European Commission apply.

9. Retention of personal data

We will process your personal data for the period necessary to achieve the respective purpose of our processing. These purposes are described in this privacy statement. This means that even if we stop processing your personal data for a specific purpose, we may need to retain your personal data for another purpose, using it only for that other purpose. In particular:

• As long as you have agreed to our Klarna Terms of Services, and until you terminate these terms (by contacting us or asking us to delete the data, for example by making a request for the right to erasure), we will process the personal data we need in order to provide you with the Services, including, but not limited to, data related to previous purchases.
• We process the personal data included in the credit checks for the purpose of carrying out new credit assessments for a period of 90 days from the date on which the check was carried out.
• We process debt-related personal data for the purpose of conducting new credit assessments for a period of three (3) years after the debt has been terminated – through the payment of the debt, the cancellation of the debt by Klarna or the sale of the debt. Klarna debt.
• We process recordings of telephone conversations for a period of 90 days from the date of recording, for quality assurance purposes.
• We process personal data in order to comply with applicable laws, such as consumer rights regulations, banking regulations, anti-money laundering regulations, as well as accounting regulations. Depending on the applicable legislation, your personal data may be processed for up to ten years after the end of the customer relationship.

10. Your rights regarding personal data

• Right to be informed. You have the right to be informed about how we process your information. This is done via this privacy statement, other information available on our website and by responding to questions submitted to us.
• Right of access to your data. You can request a copy of your data if you want to know what personal data we process about you. This copy of your personal data may also be transmitted in a machine-readable format (i.e. “data portability”).
• Right to rectify your data. You have the right to correct inaccurate or incomplete information about yourself.
• Right to delete your data. You have the right to request the deletion or erasure of your personal data, for example when it is no longer necessary for us to process the information for the purposes for which it was collected or when you have revoked your consent. As described in more detail in sections 3 and 9, Klarna is still required to comply with certain legal obligations that prevent us from deleting some of your data immediately.
• The right to restrict the processing of your data or to object to our processing. If you believe that your information is incorrect or that we are using your data unlawfully, you have the right to request that this processing be stopped. You can also object to our processing if you believe that there are circumstances that would make such processing unlawful. In addition, you can always object using your direct marketing data.
• Right to challenge an automated decision. You have the right to object to an automated decision made by Klarna. Please see section 6 for more information on how Klarna uses automated decisions.
• Right to withdraw consent. As stated in section 5, we process your data on the basis of your consent or explicit consent and, in this regard, you can withdraw this consent at any time.
• Right to file complaints. You have the right to lodge a complaint with your national data protection supervisory authority or the Swedish Data Protection Authority (DPA). Claims to the Swedish DPA can be made via this link: https://www.datainspektionen.se/other-lang/in-english/
• Control the settings of the service in the Klarna app. In the app, Klarna offers the ability to customize your preferences for certain services, for example if you want to receive personalized communications or notifications. We will always respect your decisions.

11. Cookies and other tracking technologies

To provide a personalised and hassle-free experience, we use cookies and other tracking technologies on our online interfaces, such as our website, the Klarna app and the checkouts of stores that cooperate with Klarna. You can find information about the tracking technologies we use and respectively accept or reject the corresponding tracking technologies in their respective interfaces.

12. Updating the Privacy Statement

We are constantly working to improve our Service offerings and ensure that you have an even more enjoyable user experience. This includes both changes to existing services and new services over time. It is therefore important that you read this privacy statement whenever you use a Klarna service, as the processing of your data may have changed since the last time you used our services.

13.Contact Information

Klarna Bank AB (publ) is a company registered in the Swedish Commercial Register under registration number 556737-0431, with its principal place of business at Sveavägen 46, 111 34, Stockholm (Sweden).

Klarna has a Data Protection Officer and a team of data protection specialists who work exclusively on data protection and privacy. We also have a team of customer service specialists for data protection issues. You can contact them at any time by sending an email to Privacy@klarna.co.uk.

Klarna Bank AB (publ) is subject to Swedish data protection law. For more information about Klarna, visit www.klarna.com.

This Privacy Statement was last updated on December 18, 2020.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend, or delete the personal information we hold about you, file a complaint, or simply obtain more information, contact our Privacy Compliance Officer info@market-auto.com or by mail at Market-auto.