Buy Now - Pay Later

These Pay later terms apply between you and this store where you purchase your goods, tickets, or services when you choose Pay later as your payment method.

When you choose Pay later, we offer you the possibility to pay on a due date 30 or 60 days from the shipment of the goods or tickets/availability date of the services or digital content. We assign our claim for payment due on your purchase to Klarna Bank AB (“Klarna”). Klarna will send you a payment instruction to pay directly to Klarna or, if you have opted for Autopay, we will notify you in due time of upcoming payments, which will be debited automatically on the due date. For contact details and further information about Klarna, go to: klarna.com.

In case you have opted in for Klarna’s Monthly Invoice and aggregation service, Klarna will bundle your Pay later invoices made within a certain cycle and send you a monthly invoice aggregating all Pay later purchases, instead of sending you individual invoices for each purchase. This also means that the credit time for each individual invoice within the aggregation service will vary between 14-45 days depending on when in the aggregation cycle the invoice purchase was made and the goods shipped/services were provided. All Pay later invoice purchases made, and where the goods have been shipped/services provided, until the cut off date will be collected on the same Klarna Monthly invoice. Purchases made after the cut-off date, or where shipment of the goods/delivery of the services are made after the cut-off date, will be added to the next Monthly Invoice.

Costs and Fees

For Pay later in 30 days we charge an invoice fee of 0 SEK per purchase. For Pay later in 60 days we charge an invoice fee of up to 49 SEK per purchase. In the event of a late payment, a reminder will be sent out and you will be charged a reminder fee of 29 SEK if the order value is below 60 SEK, and 60 SEK if the order value is above 60 SEK. In the event that no payment is received by Klarna after reminder, the invoice will be sent to debt collection where other debt collection fees might be added.

Credit Check and Our Handling of Your Personal Data

If you choose Pay later Klarna will assess your creditworthiness. If a credit check is performed you will be informed by letter or e-mail. This information is not shared with other creditors or banks and does not impact your credit score. Klarna processes your personal data in order to carry out our obligations in this agreement and for the additional purposes set out in our Privacy Notice. The Privacy Notice is available here, and on our website, and by using Klarna’s services you confirm that you have read this Notice. We process your personal data for example to identify you and perform customer analysis, credit assessments, marketing, and business development. We may also transfer your data to selected partners (such as credit reference bureaus), which may be established outside of the EU/EEA. In the Privacy Notice there is more information about our data sharing, your rights in regards to your data, how you may contact us with questions, or submit a complaint to an authority.

Assignment

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 assignment or transfer does not alter your rights and obligations under these terms to your detriment.