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iStore

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To shield payment details you send us we use SSL-encryption.
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Click & Collect + Service Appointments: Read our November Covid update   

iStore

Bag

No products in the basket.
To shield payment details you send us we use SSL-encryption.
Secure Payments
iStore

Bag

No products in the basket.
To shield payment details you send us we use SSL-encryption.
Secure Payments

Click & Collect + Service Appointments: Read our November Covid update   

Legal

Depending on whether we provide you with products or services, iStore is Albion/iStore, iStore/Albion Computers PLC. Our terms below set out which company provides the relevant products or services to you.

The policies and terms and conditions for the purchase, support and servicing of products and other services provided by iStore are provided below. Our privacy policy, cookie policy, website terms of use and acceptable use policy are also provided. From time to time iStore may run offers, promotions or other competitions. As and when we do, the additional relevant terms provided below will apply.

This privacy notice applies to all information collected through our Services (which, as described above, includes our Website), as well as any related services, sales, marketing or events.

Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.

1. WHAT INFORMATION DO WE COLLECT?

Information automatically collected

In Short:  Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Website.

If you are purchasing goods or services online from us then we collection aditional information, such as but not limited to, 

Name, Address, Email Address, Phone Number, some basic financial information such as authorisation number or finance reference number.

We automatically collect certain information when you visit, use or navigate the Website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about who and when you use our Website and other technical information. This information is primarily needed to maintain the security and operation of our Website, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.  

The information we collect includes:
Log and Usage Data. Log and usage data is service-related, diagnostic usage and performance information our servers automatically collect when you access or use our Website and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings and information about your activity in the Website (such as the date/time stamps associated with your usage, pages and files viewed, searches and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called ‘crash dumps’) and hardware settings).

Device Data. We collect device data such as information about your computer, phone, tablet or other device you use to access the Website. Depending on the device used, this device data may include information such as your IP address (or proxy server), device application identification numbers, location, browser type, hardware model Internet service provider and/or mobile carrier, operating system configuration information.

2. HOW DO WE USE YOUR INFORMATION?

In Short:  We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.

We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.

We use the information we collect or receive:

To send administrative information to you. We may use your personal information to send you a product, service and new feature information and/or information about changes to our terms, conditions, and policies. 
To protect our Services. We may use your information as part of our efforts to keep our Website safe and secure (for example, for fraud monitoring and prevention). 
To enforce our terms, conditions and policies for business purposes, to comply with legal and regulatory requirements or in connection with our contract. 
To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?

In Short:  We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfil business obligations.

We may process or share your data that we hold based on the following legal basis:
Consent: We may process your data if you have given us specific consent to use your personal information in a specific purpose. 
Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests. 
Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract. 
Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements). 
Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
More specifically, we may need to process your data or share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short:  We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

5. DO WE USE GOOGLE MAPS?

In Short:  Yes, we use Google Maps for the purpose of providing better service.

This Website uses Google Maps APIs which is subject to Google’s Terms of Service. You may find the Google Maps APIs Terms of Service here. To find out more about Google’s Privacy Policy, please refer to this link.

6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?

In Short:  We may transfer, store, and process your information in countries other than your own.

Our servers are located in. If you are accessing our Website from outside, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information (see “WILL YOUR INFORMATION BE SHARED WITH ANYONE?” above), in and other countries.

If you are a resident in the European Economic Area, then these countries may not necessarily have data protection laws or other similar laws as comprehensive as those in your country. We will however take all necessary measures to protect your personal information in accordance with this privacy notice and applicable law.

7. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short:  We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). 

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

8. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short:  We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk. You should only access the Website within a secure environment.

9. DO WE COLLECT INFORMATION FROM MINORS?

In Short:  We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly solicit data from or market to children under 18 years of age. By using the Website, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at dataprotection@albion.co.uk.

10. WHAT ARE YOUR PRIVACY RIGHTS?

In Short:  You may review, change, or terminate your account at any time.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Website. 

11. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

13. DO WE MAKE UPDATES TO THIS NOTICE?

In Short:  Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at dataprotection@albion.co.uk or by post to:

Albion Computers PLC

112 Strand, London, WC2R 0AG

1. Introduction

Our website, https://istore.uk (hereinafter: "the website") uses cookies and other related technologies (for convenience all technologies are referred to as "cookies"). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

2. What are cookies?

A cookie is a small simple file that is sent along with pages of this website and stored by your browser on the hard drive of your computer or another device. The information stored therein may be returned to our servers or to the servers of the relevant third parties during a subsequent visit.

3. What are scripts?

A script is a piece of programme code that is used to make our website function properly and interactively. This code is executed on our server or on your device.

4. What is a web beacon?

A web beacon (or a pixel tag) is a small, invisible piece of text or image on a website that is used to monitor traffic on a website. In order to do this, various data about you is stored using web beacons.

5. Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. As soon as you click on "Save preferences", you consent to us using the categories of cookies and plug-ins you selected in the pop-up, as described in this Cookie Policy. You can disable the use of cookies via your browser, but please note that our website may no longer work properly.

 

6. Cookies

6.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

6.2 Social media buttons

On our website we have included buttons for Facebook and Twitter to promote webpages (e.g. “like”, “pin”) or share (e.g. “tweet”) on social networks like Facebook and Twitter. These buttons work using pieces of code coming from Facebook and Twitter themselves. This code places cookies. These social media buttons also can store and process certain information, so a personalized advertisement can be shown to you.

Please read the privacy statement of these social networks (which can change regularly) to read what they do with your (personal) data which they process using these cookies. The data that is retrieved is anonymized as much as possible. Facebook and Twitter are located in the United States.

7. Placed cookies

Miscellaneous

NameRetentionFunction
Purpose pending investigation  
wc_cart_hash_30293606744d08b5a60a6316506baaf6  
elementor  
ElfsightAppCore.storageTest  
wc_fragments_30293606744d08b5a60a6316506baaf6  
wordpress_test_cookie  
tk_ai  
ku1-sid  
ku1-vid  
woocommerce_recently_viewed  
wp-settings-time-49  
wp-settings-49  
wordpress_sec_e288ed1032296167fc2d0ce8ac90497d  
wordpress_logged_in_e288ed1032296167fc2d0ce8ac90497d  
wp_woocommerce_session_e288ed1032296167fc2d0ce8ac90497d  

Sharing

This data is not shared with third parties.

8. Your rights with respect to personal data

You have the following rights with respect to your personal data:

 

  • You have the right to know why your personal data is needed, what will happen to it, and how long it will be retained for.
  • Right of access: You have the right to access your personal data that is known to us.
  • Right to rectification: you have the right to supplement, correct, have deleted or blocked your personal data whenever you wish.
  • If you give us your consent to process your data, you have the right to revoke that consent and to have your personal data deleted.
  • Right to transfer your data: you have the right to request all your personal data from the controller and transfer it in its entirety to another controller.
  • Right to object: you may object to the processing of your data. We comply with this, unless there are justified grounds for processing.

 

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you, but you also have the right to submit a complaint to the supervisory authority (the Information Commissioner's Office (ICO)).

9. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our websites again.

10. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

iStore / Albion Computers PLC
112 Strand
London
WC2R 0AG
United Kingdom
Website: https://istore.uk
Email: dataprotection@albion.co.uk

  1. EASY UPGRADE PROGRAMME
    1. This Programme is offered by iStore / Albion Computers PLC, registered address is Albion Computers PLC, 112 Strand, London, WC2R 0AG (“iStore”), in conjunction with Klarna Bank AB whose address is Sveavägen 46, 111 34 Stockholm (the “Bank”) and Tech Data Ltd. with the company number 01691472, and the registered address of Redwood 2 Crockford Lane, Chineham Business Park Chineham, Basingstoke, Hampshire, RG24 8WQ (“Trade-in Partner”).

    2. The Easy Upgrade Programme is available to eligible customers and consists of the purchase of an eligible Apple product (the “Product”) which includes:

      1. iPhone;

      2. iPad; and

      3. Mac.

    3. Associated Accessories. The accessories offered by iStore that are associated with your Product (“Associated Accessories”) may be purchased under a separate Easy Upgrade finance arrangement and these terms shall apply to such purchases and the term “Product” shall be deemed to include Associated Accessories in such cases. Any finance arrangement entered into for Associated Accessories shall continue for the duration of the Usage Period. Associated Accessories are not eligible for the Upgrade Option (see clause 2) and therefore are not returnable and become your property upon full payment of the Instalment Loan.

    4. Finance Periods. The Finance Period is the length of time from when you commence with an Instalment Loan until the conclusion by either of the options at clause1.5 (“Usage Period”). Within the Easy Upgrade Programme iStore offers a range of Finance Periods for you to choose from.

    5. Usage Period. The Usage Period is a duration of time shorter than the Finance Period which is calculated by us and notified to you at the beginning of the Easy Upgrade Programme. You may be offered a choice of Usage Periods. iStore does not advise on the suitability of different Usage Periods and selection of a Usage Period offered by us is at your sole discretion. Once the Usage Period has come to an end you must decide whether to:

      1. proceed with the remaining payments due under the current Finance Period until conclusion of the Finance Period, at the end of which you will own the Product; or,

      2. trade-in the Product (excluding any Associated Accessories); or

      3. begin a new Finance Period (see Upgrade Option at clause 2).

    6. Missed Payments. If you missed a payment of your Instalment Loan then your Usage Period may be extended by the period for which payment was missed.

    7. Instalment Loan. You will be required to apply for and enter into an instalment loan (“Instalment Loan”) with a promotional 11.15% Annual Percentage Rate (“APR”) for the Finance Period you have chosen, for the price of the eligible Product. The APR for any Associated Accessories is 11.9%. You will enter into the Instalment Loan with iStore’s finance partner, Klarna Bank AB (“Bank”). Additional terms and conditions required by the Bank apply.

      1. UK bank account. To enrol in the Easy Upgrade Programme you will need a valid and eligible UK bank account. Your use of your bank account is subject to the terms and conditions in your bank account agreement.

      2. UK resident. To enrol in the Easy Upgrade Programme you must be at least 18 years old and have been a UK resident or registered with a BFPO for the last three (3) years.

      3. Taxes. All applicable taxes due on the purchase of the Product are included in your instalment payments.

      4. Subsequent Instalment Payments. At the time of purchase, you will set up a direct debit to pay the monthly instalments towards your Instalment Loan and your bank account will be automatically charged monthly by the Bank.

      5. Bank Account Interest and other fees. You will be charged APR on the Instalment Loan. The Bank has a base APR of 18.9%. Your bank account may charge you interest or other fees under the terms and conditions of your bank. It is your responsibility to confirm this with your bank.

  2. UPGRADE OPTION
      1. By using the Easy Upgrade Programme, you may become eligible to upgrade to a new eligible Product (“Upgrade Option”) as set out below.

      2. Conditions for Upgrade Option. You may exercise your Upgrade Option to purchase a new eligible Product, if all of the following conditions are satisfied:

        1. you have come to the end of or exceeded the Usage Period;

        2. your account with the Bank is in good standing under the terms of your Instalment Loan and all payments have been received without any issue; and

        3. your Product meets the requirements of condition set out at clause 2.8.

      3. Eligible Product Availability Upgrading to a new eligible Product is subject to its release and availability at the time you exercise your Upgrade Option. Depending on the eligible Product model and Associated Accessories chosen, your monthly instalment payment may change.

      4. Exercising your Upgrade Option. To exercise your Upgrade Option you must clear all payments due on your Instalment Loan. This can be done by

        1. trading in your Product in accordance with these terms, as directed by iStore (subject that you may need to pay further amounts); and

        2. enter in to and agree to the Easy Upgrade Programme terms set out at that time.

      5. Timing. You may exercise your Upgrade Option at any time after the Usage Period has ended or payments due during the Usage Period have been made.

      6. Termination of Original Instalment Loan after Exercising Upgrade Option. Upon successfully exercising your Upgrade Option, the Trade-In Partner will pay a value up to the remaining balance due under your original Instalment Loan on your behalf to the Bank. You may be required to continue to make payments or make a single payment to the Bank to exercise your Upgrade Option (dependant on the state of the Product).

      7. Prompt Return of Product. If you exercise your Upgrade Option you must return your original Product in suitable condition, as directed by iStore, before your new Instalment Loan can begin. Your original Instalment Loan will continue until the new Instalment Loan can begin and as such you will be responsible for the remaining instalment payments.

      8. Condition of Product on return. Your Product must be in good physical and operational condition when exercising your Upgrade Option as determined solely by iStore. For a Product to be considered in good physical and operational condition, the Product must meet the following criteria:

        1. power on and hold a charge;

        2. have no functional faults found;

        3. have an intact and functioning display, ports, speakers, cameras and input methods (including capacitive input, trackpad, buttons and keys, as appropriate);

        4. displays should have no distortion or discolouration;

        5. have no breaks, cracks, chips, deep scratches or excessive wear; and

        6. have activation lock and any account locks or restrictions removed/disabled (you may be asked to disable at the time of upgrade);

    If your Product is Mac then the following criteria also applies:
    1. the desktop, setup display or Disk Utility display must be seen and inspected by an individual appointed by iStore;

    2. no distortions or discolouration of the display or screen glass;

    3. have no severe scratches on top or bottom enclosure deeper than 3mm;

    4. have no dents larger than 13mm in length and larger than 6mm deep (3mm deep in corners); and

    5. provide the original charger, power cable, keyboard, mouse and any other peripherals provided with the Product when it was purchased in working condition.

    1. If, in either iStore’s or the Trade-in Partner’s opinion, the Product does not meet the criteria as set out above then iStore may offer a cost for repair of the Product to meet the criteria or you may accept a reduced value for the Product when exercising the Upgrade Option. Please note that this means the Product value may not settle the outstanding balance due to the Bank and further payments may be required.

    2. Lost or Stolen Product. If your Product is lost or stolen, you will not be eligible for the Upgrade Option. In the event your Product is lost or stolen, contact iStore at Contact Us.

  3. OWNERSHIP OF PRODUCT
    1. You do not own the Product until all Instalment Loan payments have been made and you choose not to exercise your Upgrade Option.

    2. If you exercise the Upgrade Option you will disclaim any further right or interest in and to the Product.

    3. iStore may amend or supplement the terms and conditions that govern the trade in of your Product.

  4. DATA ON THE PRODUCT

    You are solely responsible for removing all data, including confidential and personal data, from the Product prior to the trade-in. It is your sole responsibility to back-up any files or data from your Product that you wish to retain prior to trading-in your Product. Data back-up or recovery is not a part of the Easy Upgrade Programme and iStore does not accept any responsibility or liability for any lost files or data.

  5. Return of product After Exercising Upgrade Option

    Should you exercise the Upgrade Option and subsequently return your new, upgraded Product, the Product that you traded in will not be returned to you.

  6. IDENTITY CHECKS

    Before you can enrol in the Easy Upgrade Programme, your identity must be verified by the Bank to their satisfaction.

  7. GENERAL
    1. The Easy Upgrade Programme is available to eligible end-user customers only and credit checks will be required. The Easy Upgrade Programme is not for business or educational use.

    2. An eligible Product is a Product that is designated for inclusion in the Easy Upgrade Programme by iStore.

    3. The Easy Upgrade Programme cannot be combined with any other promotions, discounts, or offers, unless specifically provided for in the terms and conditions in that relevant offer.

    4. Enrolment limits may apply, for example, only one Instalment Loan may be allowed per person.

    5. By enrolling in the Easy Upgrade Programme, you understand and agree that iStore, any trade-in partner and the Bank, may collect, process, transmit, maintain, share, and use certain of your personal information, such as your name, mailing address, email address, and information related to your loan and loan status, in order to perform the service and support obligations under your Easy Upgrade Programme. You may receive periodic Easy Upgrade Programme-related texts, emails, or other communications from iStore, such as notices regarding expiration of your account, upgrade eligibility, and changes to the Easy Upgrade Programme Terms & Conditions. You may also receive requests to participate in surveys related to the Easy Upgrade Programme. At all times iStore will treat your information in accordance with the iStore Privacy Policy. Any information collected by the Bank will be subject to their privacy policies.

    6. If any provision (or part of any provision) of these Terms & Conditions is found to be illegal, invalid or unenforceable under any applicable law, such term shall, insofar as it is severable from the remaining terms, be deemed omitted from these Terms & Conditions and shall in no way affect the legality, validity or enforceability of the remaining terms.

    7. You should keep copies of these Terms & Conditions and any sales receipt or other materials relevant to your purchase of the Product and Instalment Loan for your records. iStore reserves the right to substitute, change, cancel or add to any part of these Terms & Conditions at any time, including terminating the Easy Upgrade Programme. The most current Terms & Conditions will be available on iStores website. In the event the Easy Upgrade Programme is terminated, you will still be responsible for any outstanding balances due under the terms of your Instalment Loan with the Bank.

    8. Easy Upgrade Programme may not be available in all locations.

    9. Easy Upgrade Programme eligibility and approval is not transferrable.

    10. If you have any questions or complaints about the services, please contact us. You can telephone our customer service team at Contact Us. Alternatively, please speak to one of our staff in store.

    11. These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.

    12. For questions about your Instalment Loan or your application, please contact the Bank at Contact Us.

Trade-in amount may vary depending on the condition and type of device. Online and in-store valuations may vary. The value provided by the Brightstar portal is final and cannot be modified by any member of the Stormfront Retail Ltd team.

The device must meet all of the required criteria, as outlined at https://www.istore.uk/trade-in.

Trade-in discount is limited to one device per transaction and cannot be used in conjunction with any other offer or discount. Trade-in is only available to individuals. Business or Education discount cannot be applied.

The trade-in discount must be applied to a new Apple device (Mac, iPad or iPhone (iPhone is excluded from the iPad 2 promotion)) purchased from Stormfront Retail Ltd immediately. This value must be given as instant credit and cannot be given as cash or a voucher / held on account.

Trade-in is only available in-store.

This Brightstar Renew Service is provided by Brightstar 20:20 UK Limited (company registered in England with registration number 08401611) with its registered office at Weston Road, Crewe, Cheshire CW1 6BU, England, (“Brightstar”) through Apple Premium Reseller scheme (“APR”).

Brightstar Renew Service means the reuse or recycling of the Eligible Device or its parts.

Brightstar means the party providing this Brightstar Renew Service, which is not the Apple Premium Reseller.

Customer means the person using this Brightstar Renew Service and agreeing to these terms and conditions.

Eligible Device means any device that is eligible for this Brightstar Renew Service as determined by Brightstar in its sole discretion.

APR means Retailers who participate in the Apple Premium Reseller programme. These Retailers are Independent 3rd party resellers and are not owned by Apple.

Customer understands, acknowledges and agrees the Brightstar Renew Service is provided by Brightstar and not the APR. The APR has no liability to the Customer in respect of the Brightstar Renew Service and agrees not to hold the APR responsible in respect of the Brightstar Renew Service received.

Customer represents and warrants that:
  • they are the sole owner of the Eligible Device or have been authorised by the owner of the Eligible Device and that they are able to make decisions with regards to the Eligible Device
  • there are no liens, encumbrances or security interests in or attached to the Eligible Device and that no other party has a legal interest in it;
  • any items Customer seeks to trade-in/recycle through the Brightstar Renew Service shall not infringe on any third-party intellectual property right (including copyright, trademarks, patent, trade secrets or other proprietary right);
  • they are not an Apple reseller; and
  • the Eligible Device is not counterfeit, stolen or fraudulent.
Ownership transfers to Brightstar:

Upon receipt and acceptance of the Eligible Device by the APR, title of ownership in such Eligible Device transfers to Brightstar from the Customer and Customer disclaims any further right, title or interest in and to the Eligible Device or any items contained therein.

Purchase of new Eligible Device:

Customer agrees that the value received by them for their current Eligible Device in the form of a discount against purchase of new Apple equipment. There is no cash alternative.

Customer‘s responsibility for their data:

Customer agrees that they have the sole responsibility to keep a separate backup copy of any files or data before transferring ownership of the Eligible Device to Brightstar; and that Customer has taken reasonable steps to eliminate and delete files and data that are deemed personal or confidential from the Eligible Device. Data recovery is not a part of the Brightstar Renew Service and the APR and Brightstar accept no responsibility or liability for any lost files or data once the Eligible Device is in the ownership of Brightstar. Brightstar shall take reasonable actions to wipe or remove any stored data from the Eligible Device, however Brightstar accept no responsibility for failure to maintain the integrity or confidentiality of any files or data. If the Eligible Device is registered as lost or stolen, Brightstar will retain it in accordance with the Recycler Charter. The Eligible Device will NOT be returned to Customer nor will there be any discount against the new purchase of Apple equipment given to the Customer unless Customer is able to prove the legitimate ownership of the Eligible Device within 28 days. It is the responsibility of Customer to inform Brightstar that they are contesting this decision. If Customer is not able to prove the legitimate ownership of the Eligible Device, it will be treated in accordance with the Recycler Charter requirements.

General Terms and Conditions:

This Brightstar Renew Service is provided for lawful purposes only, and Customer agrees to indemnify the APR and Brightstar and any of their directors, officers, employees, affiliates, subsidiaries or agents from and against any claims brought against any of them arising from performing this Recycling Service on Customer’s behalf or for any breach of these terms and conditions by Customer. Brightstar and the APR will under no circumstances be liable for any special, indirect, incidental or consequential damages resulting from this Brightstar Renew Service. To the extent permitted by applicable law, Brightstar, the APR and their affiliates’ entire liability, if any, from any cause whatsoever with respect to this Brightstar Renew Service shall not exceed 100% of the discount provided against the purchase of new Apple equipment.

  1. Estimated time for repair (ETFR) depends on the chosen service type and is subject to parts availability.

  2. Albion does not take any responsibility for damage or data loss which may occur during transportation. Data backup by the customer is strongly recommended as Albion do not accept any responsibility for any data loss during the repair.

  3. All repaired/replaced parts will carry a 90 days warranty from the date of completion unless it has been stated otherwise.

  4. Any warranty equipment booked in for repair must be accompanied by a copy of the original purchase receipt or proof of warranty otherwise the job will be chargeable. Anything deemed as accidental will be classed as a non-warranty repair. Non-Warranty repairs will have a chargeable Service fee of £75 + VAT. The service fee is non-refundable unless the repair is covered by Apple's R.E.P

  5. All written quotations for repair are valid for 14 days from the date given unless otherwise stated.

  6. Payment is due in full on collection unless a credit account has been opened with a company in which payment is due within 30 days of invoice date. iOS devices payment is due in full, upfront.

  7. Collection of equipment must be done within 30 days of work completion. You will be informed in writing at the above address when the work is complete. A £5 per day storage charge will be incurred for equipment not collected within 30 days. Equipment not collected within 60 days will be disposed of by Albion.

  8. Except as expressly stated in the terms of warranty no liability is accepted in contract or otherwise for any loss, damage, expense or injury of any kind whatsoever, consequential or otherwise sending out or in connection with the installation, use or failure of the goods or any defect in them from any other cause and whether or not due to the acts or omissions of the company, its employees, agents or contractors.

  9. All charges are quoted excluding VAT.

  10. Unless specified on the job sheet above, it is assumed that the specification of the

    equipment is the minimum standard configuration. No responsibility is taken or accepted by Albion for any additional equipment that is not specified on the job sheet, such as but not limited to RAM and expansion cards.

  11. All equipment listed on the job sheet must be accompanied by proof of purchase. This not only includes the basic equipment but also applies to all additional equipment including but not limited to RAM.

  12. While all reasonable care will be taken, Albion do not take responsibility for superficial damage to the equipment such as scratching that may occur during the repair.

  13. Apple Service Tool kit will be run on your machine. This sends data to Apple in relationship to the following: Diagnostic test results, information about the hardware configuration and Information about the operating system and iLife Applications installed on any Hard Disk that are detected and checked. The log files are stored locally for a limited amount of time only. This information will not be passed onto 3rd party companies.

    Please sign below to indicate your acceptance of the Repair Terms and Conditions

These terms of use (together with the documents referred to in it) tell you (whether as a guest or a registered user) the terms of use on which you may make use of this website, which is owned and controlled by iStore / Albion Computers PLC (“our site”). Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site.

Some of the sections in these terms apply solely to consumers or businesses, these sections are marked as such, otherwise all terms apply to everyone who visits our site.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms of use, you must not use our site

Who we are

We are iStore / Albion Computers PLC ("We", “Our” or “Us”). We are registered in England and Wales with company number 02043116. Our registered office is at 112 Strand, London, WC2R 0AG

Applicable law

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes. If you do, our liability to you shall be limited as if you were a business user (see above) and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site include:

  • Our Privacy Policy, here, which sets out the terms on which we process any personal data we collect from you or that you provide to us. It also provides information about the cookies on our site. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
  • Our Acceptable Use Policy & Content Standards, here, which sets out how you can and cannot use our site, including the use of interactive features, our responsibilities to you, and the penalties for breaching the policy.
  • Any other agreements you enter into with us.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions

Accessing our site

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us. 

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status and that of any identified contributors as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether expressed or implied, that the content on our site is accurate, complete or up-to-date.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site.

You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

We allow links to our site to be shared via social media, provided that they comply with our Acceptable Use Policy and Content Standards included in these terms.

Other than for social media use you must not:

  • establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
  • establish a link to our site in any website that is not owned by you.
  • frame our site on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with our Acceptable Use Policy and Content Standards.

If you wish to make any use of content on our site other than that set out above, please contact us. 

Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources and do not guarantee that those sites will adhere to our Acceptable Use Policy or Content Standards.

Changes to these terms

We may revise these terms of use or any policy referred to in them at any time by amending this page or that policy.

Please check this page and our policies from time to time to take notice of any changes we made, as they are binding on you.

The iStore guarantee gives you 2 years warranty cover from the purchase of your Mac, iPad or iPhone & Apple Watch

During the first year, the device is also covered by the standard Apple warranty.

What if your Mac, iPad or iPhone develops a fault?

As an Apple Authorised Service Provider we are best placed to care for your device.

In the unlikely event a hardware problem occurs, please visit your nearest iStore. The team will then diagnose the issue and if required, arrange for its onward transfer to our engineering team for repair or replacement.

Any claims under this guarantee will require the serial number of the device and the original date of purchase from your receipt.

What if we cannot repair the item?

If we cannot repair the item we will replace it with an item of equivalent specification. If an item of equivalent specification is unavailable, we will work with you to seek a suitable settlement. We will always endeavour to find a resolution that you are satisfied with.

What is not included?

There are some specific exclusions from the guarantee:

• Devices used commercially or purchased by a business or educational organisation.

• Devices sold as clearance or ex-demo, unless explicitly stated.
• Repair costs caused by external factors, such as computer viruses, faulty software (including the operating system), theft and weather.
• Depleted or consumed batteries.
• Accidental / deliberate damage. e.g. if the product is dropped or has liquid spilt onto it.
• Cosmetic items, such as scratches, dents, corrosion or discolouration.
• Any consequential loss suffered as a result of not being able to use the product, or any loss / replacement value over and above the purchase price of the original item.
• Recovery and or compensation for data loss.
• Issues that have resulted from the failure to follow the manufacturers operating instructions.
• Shipping or transportation costs. Products must be returned to an iStore. We are unable to collect or return directly to a customer’s address.
• Any work carried out by a 3rd party company cannot be charged back to iStore. Work carried out by a non Apple Authorised Service Provider will invalidate the guarantee. All faults must be reported and returned to iStore directly.
• Free telephone technical support is not included in this guarantee. If you require assistance, please visit your nearest iStore. Chargeable support is available upon request.
• After the first year, consumables such as external power chargers and cables are excluded from the iStore guarantee but may be covered by EU consumer law.
• The guarantee is non-transferable and only covers devices bought from iStore / Albion Computers PLC in the UK.
• This guarantee does not affect your statutory rights. 

We at Klarna care about your privacy. Therefore, we always collect and process your personal data responsibly and with your privacy in mind. This Privacy Notice 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 a customer of ours. Examples of use of our Services are when you pay with any of our payment methods, when you contact us, when you use the Klarna web portal and mobile application (the “Klarna App”), or when your information is autofilled in the checkout of a store that uses Klarna. This Privacy Notice also describes your rights in relation to our use of your personal data, and how to exercise those rights.
 

This Privacy Notice applies, except for what is stated in Section 1 below, to all personal data that Klarna processes. It is therefore important that you read and understand this Privacy Notice. 
 

Some of our Services will provide you access to content and functionality offered by other companies or organizations than Klarna (“Third Party Services”). This is for example the case when we link to third party sites from our websites, and when you access third party sites while using the web browser in the Klarna App. This Privacy Notice does not apply to the collection and use of your personal data in Third Party Services, and Klarna is not responsible for such third parties’ processing of your personal data.
 

"We", "our" or "us" means Klarna Bank AB (publ) registered with the Swedish companies register under the registration number 556737-0431 and with our main office located at Sveavägen 46, 111 34 Stockholm, Sweden. For the purposes of EU data protection law, we are a data controller in respect of the personal data we receive from you, or otherwise collect about you, and we are responsible for ensuring that we use your personal data in compliance with applicable data protection laws.
 

1. Other Klarna privacy notices

The services Klarna Ident and Klarna Open Banking use your personal data in accordance with what is stated in those Services’ separate privacy notices, which are presented to you when you use those services. Those separate notices apply instead of the information given here. Separate privacy notices may also apply for specific campaigns or offers which are temporarily available. If so, such separate privacy notices are presented in connection with the campaign or offer.

If you are employed by Klarna, a candidate applying for a job at Klarna, or an employee of a store that cooperates with Klarna, other privacy notices apply to Klarna’s processing of your personal data for these purposes, and you will be provided the relevant information in connection to your contact with Klarna. Contact us using the information in Section 13 below if you want a copy of the relevant privacy notice. 
 

2. What information do we use?

2.1 Information you give us 

You may give us information about yourself when you use one of Klarna’s Services, for example when you choose to pay with one of Klarna’s payment methods, contact us, or use the Klarna App. Please note that you are only allowed to provide your own personal data when using the Services, for the Services to be provided correctly.

Depending on which Service you choose to use, this personal data will be:

  • Contact- and identification information – name, date of birth, national ID number, title, billing and shipping address, email address, mobile phone number, nationality, salary, employment and employment history etc.

  • Payment information – credit and debit card data (card number, validity date, and CVV code), bank account number, etc.

  • Special categories of data  you may, at your sole discretion, choose to provide us information about you which constitutes “special categories” of personal data according to EU Regulation 2016/679 (the “GDPR”), including e.g. data revealing religious, political or philosophical beliefs, trade union membership, or data concerning health, biometric data, sex life or sexual orientation. We will never require this type of data from you in order to provide you with our Services. Providing us with this information will be strictly voluntary and based on your explicit consent. Please see Section 5 for information about how you can revoke your consent.

You can at any time change your profile information such as your contact information and other editable settings. This can be done either in the Klarna App or by contacting us.

 

2.2 Information we collect about you 

Depending on which Services you choose to use, we may collect the following information about you, either ourselves or via third parties (for example credit and fraud prevention agencies, stores, or public databases):

  • Contact- and identification information – name, date of birth, national ID number, title, occupation, gender, billing and shipping address, email address, mobile phone number, nationality, etc.

  • Information on goods/services – details about the goods/services you purchase or order, including for example type of goods or shipment tracking number.

  • Financial information – financial information collected from third parties such as your income, potential credit commitments, negative payment remarks, previous payment- and credit acceptances.

  • Information about the interaction between you and Klarna – how you use the Services, including information on outstanding and historical debts and your repayment history with Klarna; technical data such as page response times, download errors, personal preferences; your interactions with the Klarna customer service, etc.

  • Recorded telephone conversations – we record telephone conversations if you call our customer service, and sometimes when we call you, if we inform you about this at the start of the call.

  • Information about the interaction between you and stores - your dealings with stores you visit or shop with, such as information about whether you have received the goods, and type of store.

  • Device information – e.g. IP address, language settings, browser settings, time zone settings, operating system and platform and screen resolution. To learn more about how we may collect information from your device, or store information on your device, please see Section 11 below.

  • Information from external sanction lists and PEP lists – we may screen your information against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons. These lists include information such as name, date of birth, place of birth, occupation or position and reason for being listed.

  • Service-specific information – in order to provide you with some of our Services we may collect and process additional personal data that is not covered by the above categories. Please see Section 4 below in order to find out which additional personal data is processed for the respective Service.
     

3. What personal data do we process, for what purpose, and why is it lawful for us to do so?
 

Depending on which Services you use, Klarna may process your personal data for the purposes listed below, based on the legal bases stated for each respective purpose. You can find more specific information about how we process your data in some of our Services in Section 4 below.

Processing in order to provide the Services

Purpose of the processing

Personal data

Legal basis for the processing

Administer the customer relationship with you in different ways, for example to process your payment or carry out our obligations arising from credit contracts entered into between you and us.


 

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Fulfil contractual obligations.

Create and send information to you in electronic format (non-marketing).

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Fulfil contractual obligations.

Assess which is the most suitable way to contact you to inform you about outstanding debts.

Contact- and identification information, financial information (if we have this available) and information about the interaction between you and Klarna.

Klarna has a legitimate interest in being able to contact you in the most effective way. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

Assess in which order different payment methods should be presented to you in the checkout of a store that uses Klarna. This processing and presentation do not, however, affect which payment methods are available to you.

 

You can opt out from this at any time by contacting us using the contact details below.

 

This processing constitutes profiling. Please see Section 6 for more information on profiling.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

If you have accepted the Klarna Services Terms outlined in Section 4.4, the applicable legal basis is to fulfil contractual obligations.

 

However, if you have not accepted those terms, Klarna base this processing on legitimate interest, as Klarna (and you as a customer) have a legitimate interest in having your preferred way of paying presented in a prominent position in the checkout. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

Conduct customer satisfaction surveys regarding our Services (for example after you have contacted Klarna’s customer service) via email, sms, phone, or through other means.

 

You can object to this at any time. You will also be informed about your right to opt-out from these communications every time your email or phone number is used for this purpose.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, and information about the interaction between you and stores.

Klarna has a legitimate interest in conducting customer satisfaction surveys.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 




 

Carry out credit- and fraud assessments for the purpose of assessing which payment methods to offer you, based on a limited lookup from an external credit reference agency (Please see in Section 7.4 how we cooperate with credit reference agencies).

Contact- and identification information, information on goods/services, financial information (if already internally available), information about the interaction between you and Klarna, and information about the interaction between you and stores, as well as device information. 

Klarna has a legitimate interest in carrying out credit- and fraud assessments for the purpose of assessing which payment methods to offer you.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

Carry out credit assessment before granting credit (Please see Section 4.1 on Klarna’s credit Services and Section 7.4 regarding how we cooperate with credit reference agencies).

Contact- and identification information, financial information and information about the interaction between you and Klarna.

Comply with laws, when the credit we provide is regulated by law. In cases when the credit is not regulated by law, the processing is done to fulfil contractual obligations.

Prevent IT attacks (for example DDoS attacks) toward Klarna’s Services, as part of our efforts to keep our Services safe and secure.

Contact- and identification information, information about the interaction between you and Klarna, information about the interaction between you and stores, as well as device information.

Klarna has a legitimate interest in keeping our Services safe and secure.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To be able to treat you as a vulnerable customer (if you due to personal circumstances are in a vulnerable position).

Contact- and identification information, information about the interaction between you and Klarna, and special categories of personal data.

Based on your consent.

Improve our Services, training and quality assurance, as well as documenting what has been discussed and decided between you and Klarna’s customer service.

Recorded telephone conversations.

Klarna has a legitimate interest in improving our Services, and in conducting training and quality assurance.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.


 

Transfer your data to stores, suppliers and other recipients. (Please see Section 7 for more information on how we share your data and why).

All of the personal data categories under Section 2.

Varies depending on recipients, see more in Section 7. For example, Klarna has a legitimate interest to use suppliers to provide its Services, and we may have legal obligations to share data with authorities. Data sharing with payment service providers is necessary to carry out the payment contract with you.

Carry out risk analysis, fraud prevention and risk management (for example through verifying your identity, and carry out checks with fraud prevention agencies and similar agencies).

 

Please see Section 7 for a more detailed description of the fraud prevention companies we cooperate with.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, special categories of personal data and device information.

Klarna and other parties (foremost our customers) have a legitimate interest in risk management of Klarna’s business, for example handling fraud risks. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Klarna also has legal obligations to establish its customers’ identities.

 

Special categories of data are processed based on your explicit consent.

Perform debt collection services, i.e. to collect and sell debt.

Contact- and identification information, information on goods/services, financial information, information about the interaction between you and Klarna and information about the interaction between you and the stores.

Klarna has a legitimate interest in collecting and selling debt.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

Product improvement and research

 

Anonymise your personal data for product development in order to analyse customer behaviour.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Klarna has a legitimate interest in anonymising your personal data for product development in order to analyse customer behaviour.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 


 

Perform data analysis for product improvement and product testing (for example to improve risk- and fraud models).

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Klarna has a legitimate interest in performing data analysis for product improvement and product testing. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 



 

Enable internal research and creation of statistical models.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Klarna has a legitimate interest in enabling internal research and to create statistical models.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose. 

 

 

Enable external research, for example by universities or other bodies. 

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Klarna has a legitimate interest in enabling external research, and contributing to the general interest of society to support research.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

Compliance and to protect Klarna from legal claims

 

Comply with applicable laws, such as anti-money laundering and bookkeeping laws, and regulatory capital adequacy requirements.

Contact- and identification information, payment information, information on goods/services, financial information, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, information from external sanction lists and PEP lists, and service-specific information.

Comply with laws.

Perform screening against lists of persons subject to sanctions, and lists of persons who are so called Politically Exposed Persons.

Contact- and identification information, information from external sanction lists and PEP lists.

Comply with laws.

Protect Klarna from legal claims, and enforce Klarna’s legal rights.

All of the personal data categories under Section 2.

Klarna has a legitimate interest in protecting itself from legal claims, and in enforcing its legal rights.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide marketing

To provide marketing and offers regarding our Services to you.

 

You may always opt out by contacting us, see Section 13.

Contact- and identification information, information about the interaction between you and Klarna, information about the interaction between you and stores, and service-specific information.

Klarna has a legitimate interest in providing marketing and offers to you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To decide which marketing to provide you. This processing also ceases when you opt out from receiving marketing.

Contact- and identification information, information on goods/services, information about the interaction between you and Klarna, information about the interaction between you and stores, device information, and service-specific information.

Klarna has a legitimate interest in deciding which marketing to provide you. 

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

To provide links that are sponsored to products and services of stores.

Information about goods/services, information about the interaction between you and Klarna, information about the interaction between you and stores, device information and service-specific information.

Klarna has a legitimate interest in providing links that are sponsored to promote stores in the Klarna App and on our website.

 

We ensure that the processing performed for this purpose is necessary for fulfilling our legitimate interest, and that our interest outweighs your interest in not having your personal data processed for this purpose.

 

4. Service-specific processing of personal data in some of Klarna’s Services 

This Section sets out certain processing of your personal data which is specific for certain Services. To learn more about our Services, and their included features, please consult the terms and conditions of the respective Service.
 

4.1 Klarna’s credit Services

The following Services involve us giving you a credit: Pay later (invoice), Pay now (if it involves direct debit), Financing, as well as Klarna Card and the one time card (both available in the Klarna App). To provide these Services, we do a credit assessment of you. The credit assessment is based on contact- and identification information you have provided, information about the interaction between you and Klarna, and financial information. The financial information includes externally obtained information from credit reference agencies, such as income and payment remarks. You can read more about our use of credit reference agencies in Section 7.4 below.

 

The Klarna Card and one time card

When you apply for the Klarna Card and the one time card (available in the Klarna App), Klarna conducts a credit assessment of you, as we do for our other credit Services. If you have the Klarna Card, Klarna then continuously updates our credit assessment of you based on your interactions with Klarna.

We share information about you and the purchases you make when using the Klarna card with VISA and members of the VISA card network, as far as this is necessary to carry out the card transactions, prevent fraud, and follow applicable rules. If you renew your Klarna Card or receive a new one, we will transfer this information to VISA in order for VISA to inform third parties with whom you have stored your card details (for example 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, in line with that provider’s privacy notice.

 

4.2 Offers and event invitations posted on social media

If you have clicked on one of our offers or event invitations posted on social media, we may get access to contact information which forms part of your profile (for example your name, email address, telephone number and other relevant business information such as the name of your employer, its address, and type of business). We use this information to supply you with the requested Service, and to supply you with marketing and offers about our Services. You can always opt out from this by contacting us, see Section 13.

 

4.3 The Klarna accounts (savings and payment accounts)

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

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

 

4.4 The Klarna user experience delivered under the Klarna Services Terms

To be able to deliver a smoooth user experience, both before and after you have done a purchase, Klarna offers the Services described below, and which are also described in more detail in the Klarna Services Terms. The use of these Services involves the following processing of your personal data: 

 

Historical transactions

We save information about the goods/services you purchase using our Services, or otherwise choose to give us access to, in order to display this information to you.

 

Autofill of your information.

Autofill of your information can be done in two ways – through your interaction and / or through a cookie:

Autofill through your interaction

When you use the Services, we may ask for your contact- and identification information, such as name, address, telephone number, email, birth date and/or national ID number, as well as other information as applicable. We will keep this information in our systems, and when you return to us or use our Services you will only need to provide some information such as phone number, email, zip-code, or national ID number (dependent on the country) in order for us to autofill the remaining fields with your other details.

Autofill through cookie

An additional method we may use to autofill your information is by placing cookies on your device (computer, tablet, mobile phone, etc.), which enable you to choose to save your information such as name, address, telephone number, email, date of birth, national ID number, and card details with Klarna. If you do so, we then use the cookie to fetch those details from Klarna when you use our Services with the same device. We will then autofill your details when you interact with Klarna.

Deactivation of Autofill

If you don’t want to use the autofill functionalities you can contact us to adjust your settings. You can also adjust your settings in the Klarna App directly or in the purchase process at a store. You can at any given time delete cookies on your device, which will delete our cookies as well.

 

Preselected preferred payment methods

Klarna can assess which payment method is your preferred way of paying when shopping, and preselect this payment method for you. This processing and presentation does not, however, affect which payment methods are available to you. For this assessment, Klarna processes information about the interaction between you and Klarna, such as information about your previously selected payment methods, purchase amount(s) and store. This processing constitutes profiling. Please see Section 6 for more information on profiling. 
 

Offers and benefits

To be able to offer you benefits such as discounts, special events, pre-access to products, sales promotions, store offerings, sampling, giveaways, etc, we look at information about the interactions between you and Klarna (such as the number of purchases under a certain time period), your contact- and identification information, information on goods/services, and information about the interaction between you and stores. This may involve profiling. Please see Section 6 for more information on profiling.

The information will form the basis for Klarna’s marketing and customer analytics, business- and method development, as well as statistics.

Within the offers and benefits program, Klarna and Klarna’s suppliers and subcontractors (on Klarna’s behalf), may use this information to communicate with you and deliver offers and benefits, via physical mail, text messages, email, social media and other digital channels. Klarna and its suppliers and subcontractors will not use any direct marketing channel for this purpose (e.g. email or text-messages) if you have opted out from direct marketing (respectively if you have not opted in, if that is legally required in your country of residence).

You can opt out from offers and benefits either by deregistering using the link provided in each email from us, or by contacting us, see Section 13 below.

    

The Klarna App

If you use the Klarna App, additional personal data will be processed to provide the Services you choose to use within the Klarna App, as set out below. Furthermore, when you choose to redeem rewards or take part in specific deals, the provider of such offers may be able to deduce your use of Klarna’s services.

  • Personalized articles and ads: you will be able to see personalized articles and ads based on your previous purchases, contact and identification information, information on goods or services, information about the interaction between you and Klarna, and information about the interaction between you and stores, device information and service-specific information.

  • Links that are sponsored: if you click on a link that is sponsored and 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” (further explained in Section 7.14). The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in the Klarna App which is then used to track your visit to a store in order to calculate a potential commission to Klarna.

  • Personalized Klarna overview: an overview is displayed, where you can view the status of your Klarna purchases and view your purchase history, access potential refunds, settle payments and extend your payment terms. 

  • Curated shopping collections: If you have shared with us information about what topics, products and services you are generally interested in, we will use this information to provide you with personalized shopping collections, where you may find products and services tailored to your interests.

  • Delivery and parcel tracking: you may in some cases be able to track the route of your parcel.

  • Possibility to “follow” stores: if you choose to “follow” a store, you receive information about campaigns connected to that store. Klarna will then automatically assess whether your purchases entitles you to discounts or other offers within that store’s ongoing campaign.

  • Credit Services: we may offer you credit based on previous purchases.

  • Shopping with the one-time card: shopping through the Klarna App is a way of using Klarna’s payment methods in almost any store, through a one time card. When you use the one-time card, Klarna will collect information about your purchases and show them in the app.

  • Customer service: when you contact the Klarna customer service through the Klarna App we will have access to the information you provide.

  • Email Connect: If you have connected your email account to Klarna’s Email Connect service, Klarna will regularly access your email account and extract purchase related information such as tracking ID’s and other information about goods and services and the interaction between you and stores, in order to populate this information into the Klarna App. You may at any time turn this service off, thereby removing Klarna’s access.

  • Store locator: You can choose to share your location with us, in which case we will use this information to show stores close to you. You may at any time turn off this sharing in your device. Klarna will not keep your location after we have shown the stores to you.

  • The in-app web browser: The Klarna App contains a web browser in which you may access stores’ websites and online shops in order to then shop using Klarna’s payment methods also with stores that do not yet use our payment methods. Klarna collects information about how you use the browser in order to provide you with relevant deals and offers. Furthermore, websites you visit may set their own cookies and other tracking technologies on your device.

  • Wishlist: You can choose to add products and services in the Klarna App to your Wishlist, in order to find them later, or track their prices. You may also share your Wishlist with other people such as friends and family, and they will then be able to see your profile picture and profile name. In some cases, if you are logged in to a store’s website, the link to a product or service you choose to add to your Wishlist may include personal information about you from that website, such as your email address.

  • Your connected bank accounts (the Personal Finance Service): Using this Service will allow you to get an overview of your finances, including not only your transactions with Klarna, but also your connected bank accounts. When you choose to use this Service, Klarna will process information about the external bank accounts and other accounts (such as card accounts) which you choose to connect, and collect personal data such as account number, bank, historical transactions on the account and funds and assets available. Based on this data, Klarna will visualise and provide you tools to control your finances by way of offers tailored to your specific situation (based on profiling, as explained in Section 6). This is done by comparing your expenses with the expenses of other users of the Service. Based on this comparison, we, together with our partners, can offer ways of minimising your fixed and non-fixed costs.

  • Profile picture: You can choose to upload a profile picture in the Klarna App, in which case this picture may be shown in various Klarna interfaces (for example in the checkout of a store that uses Klarna, or in the Klarna App). Klarna’s interfaces may also be embedded in stores’ apps. The picture may also be shown to others if you share your device with others (while using autofill through cookies), or if you choose to share content from your Klarna App with others. You may at any time erase your picture in the App or by contacting us.
     

5. Revoking consent

In cases where Klarna processes your personal data based on your consent or explicit consent (for example if you submit a Power of Attorney, allowing another individual to access your data, in case you provide us information indicating that you are a vulnerable customer, or in case you upload special categories of personal data into our Services), you can at any time revoke this consent, either by contacting us or by deleting your uploaded data in the Klarna App. Revoking consent will not lead to any detriment for you, as we do not require this type of information to provide our Services.
 

6. Klarna’s profiling and automated decision making

“Profiling” means automated processing of personal data to evaluate certain personal aspects relating to you, for example in order to analyse or predict aspects of your financial situation or your preferences, such as purchase interests. We use profiling based on the personal data we have about you in order to take individual or automated decisions about you, for the following purposes:

 

Decisions without legal or similarly significant effect

Klarna makes the following decisions without legal or similarly significant effects for you;

  • Predicting what marketing content would be of interest to you. You can always object to this and deregister from the marketing and this profiling, by contacting us. For further information about our processing of personal data for marketing purposes, see Section 3 above);

  • Deciding what loyalty bonuses would suit you (See Section 4.4 Offers and benefits above for further information);

  • Deciding on the most suitable way to contact you concerning outstanding debt (see Section 3 for further information); 

  • Deciding which content to display to you in the Klarna App. See Section 4.4 The Klarna App for further information.

  • Deciding in which order different payment methods should be presented to you in the checkout of a store that uses Klarna.

In addition, some of our Services (such as when you connect bank accounts and similar accounts in our Klarna App), use profiling in order to deliver the applicable Service to you, for example delivering relevant financial insights to you, or to select which offers to give you, in accordance with the terms of the relevant Service.

 

Decisions with legal or similarly significant effect

Automated decision making with legal effects, or automated decisions with similarly significant effect, means that some decisions in our Services are solely based on automatic means, without any interaction from any of our employees, and carry a significant impact on you as a consumer with them. By making such decisions in an automated fashion, Klarna increases objectivity and transparency in the decisions when offering those Services. 

We use this type of automated decision making when we:

  • Decide to offer you our credit Services, and subsequently grant you a credit;

  • Decide not to offer you our credit Services;

  • Decide whether you pose a fraud- or money laundering risk, if our processing reveals that you display behaviour consistent with money laundering or fraudulent conduct, that your behaviour is inconsistent with your previous use of our Services, or that you appear to have deliberately hidden your true identity. In relevant cases, Klarna also checks whether or not a specific customer is listed on a so called sanction list.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details in Section 13 below. 

See Section 3 for further information on the types of personal data processed for these purposes.

You always have the right to challenge an automated decision which carries a legal or similarly significant effect (together with the profiling connected to it), by contacting us using the email address referred to in Section 13 below. A Klarna employee will then look at your case.
 

7. Who might we share your personal data with?

We may share your personal data with the categories of recipients listed below, for the purposes listed below. Exactly which recipients we share your personal data with, and for which purposes, will depend on which Service you use. When we share your personal data, we take all reasonable contractual, legal, technical, and organisational measures to ensure that your personal data is treated with an adequate level of protection and in accordance with applicable law. 
 

7.1 Suppliers and subcontractors 

Klarna may share personal data with the suppliers and subcontractors we use in order to provide our Services to you. Suppliers and subcontractors are companies who are only entitled to process the personal data they receive from Klarna on Klarna’s behalf. Examples of such suppliers and subcontractors are software- and data storage providers, payment processing services, and business consultants.
 

7.2 Stores 

Klarna shares personal data with the stores you visit or purchase from (which may include the stores’ group companies if you have been informed about this by the store). This is done in order to allow the store to execute and administer your purchase, and administer your relationship with the store or its company group, for example by verifying your identity, send you the goods, manage questions and disputes, send relevant marketing and prevent fraud. The personal data shared with a store will be subject to the store’s privacy notices and practices.
 

7.3 Payment service providers (“PSPs”) and financial institutions

PSPs provide stores and Klarna with services for accepting electronic payments through a variety of payment methods including credit card, and bank-based payments such as direct debit, bank transfers, etc. Some stores use PSPs with which they share your information for the processing of payments. This sharing is done in accordance with the stores’ own privacy notices. The stores may also, for the processing and administration of payments, require us to share your information with the PSPs. Some PSPs also collect and use your information independently in accordance with their own privacy notices. This is for example the case if you use a digital wallet.

In addition, Klarna may share your information with other financial institutions when you conduct transactions with your account, in order to perform the transactions.
 

7.4 Credit Reference Agencies

  • A limited lookup (i.e. a “soft lookup”) may be conducted at a Credit Reference Agency (“CRA”) before you apply for one of Klarna’s payment methods in the checkout, to assess your creditworthiness for the purpose of tailoring the payment methods offered to you. This will happen either as you enter your name, address, phone number, and date of birth in the checkout and continue, or directly when the checkout is loaded if the store transfers this information to Klarna. This limited lookup will not affect your creditworthiness. 

If you apply to use a credit Service (see Section 4.1 above for a specification of our credit Services), your personal data may also be shared with CRAs to assess your creditworthiness in connection with your application, to confirm your identity and your contact information, and to protect you and other customers from fraud. This sharing also constitutes a credit lookup. 

Furthermore, a hard credit search (or “a hard credit lookup”) is performed when you apply for Financing. In order to perform the hard credit search, Klarna will send the CRAs your name, address, date of birth, phone number, as well as bank account number and sort code if relevant, in order to receive the lookup on you. 

This hard credit search will affect your credit rating as follows:

The CRA will keep a record of our enquiry against your name and which may be linked to your representatives (“associated records”). For the purposes of any application for Services from us, you may be assessed with reference to “associated records”. Where any search or application is completed, or agreement entered into, involving joint parties, we may record details about this at the CRAs. As a result an “association” will be created that will link your financial records. Details of which CRA we have used for a specific search are available on request. We may also add to your (or, if applicable, your business’) record with the CRAs information in the form of; details of your agreement with us, any payments you make under it, and any default or failure to keep to its terms. These records will remain on the CRAs’ files for 6 years after our agreement with you is settled or terminated, whether settled by you or, if applicable, your business or by way of default. This and other information about you (or, if applicable, your business and those with whom you are linked financially) may be used to make credit decisions about you or your business in the future.

The identities of the CRAs, and the ways in which they use and share personal data, are explained in more detail at https://www.transunion.co.uk/crain and https://www.experian.co.uk/crain. The CRAs will process your information in accordance with their own privacy notices and you can find out which ones we cooperate with here.

Please note that Klarna only holds the credit assessment we receive from a CRA in a script data format. This means that you are recommended to request a copy of the assessment directly from the CRA if you would like to see a readable version. 
 

7.5 Fraud prevention agencies and companies that supply identity lookups 

Your personal data may be shared with fraud prevention agencies and companies that supply identity lookups in order to verify your identity, the accuracy of the data you have provided us with, and to prevent criminal activities. The companies we cooperate with in the United Kingdom are listed here. Please note that these companies process your data in line with their own privacy notices.

Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
 

7.6 Klarna group 

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

7.7 Social media companies 

If you contact us through social media such as Facebook or Twitter, your data will be recorded and processed by those companies, in accordance with their privacy notices.
 

7.8 A person holding a power of attorney of your affairs 

Klarna will share your data with a person holding a power of attorney from you, allowing the person holding the power of attorney to receive such data. This sharing will be done based on your consent. 
 

7.9 Google

When you use the Klarna App through a web browser, Google will collect your device information through its reCAPTCHA service implemented there, sometimes combined with any information you enter into the reCAPTCHA service. Google will process this information in line with its own privacy policy. Klarna processes this data based on its legitimate interest to conduct 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 we are required to do so by law, or under some circumstances if you have requested us to do so. One example of such legally required disclosures is disclosure for purposes of anti-money laundering and counter terrorist financing.

There is also a requirement under UK law to withhold tax due on the payments. You will not need to do so, or take any action based on the agreement we have with the UK tax office (the HMRC), as we will disclose the necessary information to the UK tax office to support this agreement. If you have any questions regarding these arrangements, please contact the tax office. 
 

7.11 Logistics and transportation companies 

Klarna may share your information with logistics and transportation companies that deliver the goods you have ordered, if you have opted in to parcel tracking. Examples of data we share are contact- and identification information and tracking number. Please note that the logistics and transportation companies process your data in accordance with their own privacy notices.
 

7.12 Partners within the Personal Finance Service and the Offers and benefits program

If you choose to take part of offers and benefits which Klarna provides within the Personal Finance Service or through the Offers and benefits program, Klarna may share the personal data that is necessary to enable you to access offers made in cooperation with our partners (this includes the fact that you are a customer of Klarna). Which personal data is shared is presented in connection with every offer. 
 

7.13 Debt Collection Agencies 

Klarna may share your information when selling, or assigns to collect, unpaid debts to third parties, e.g. to debt collection agencies. This sharing of personal data is based on our legitimate interest in collecting and selling debts. The debt collection agencies may process your personal data in line with their own privacy notices, or on Klarna’s behalf. For our Financing service, the debt collection agencies may also report your unpaid debt to credit reference agencies which may affect your credit rating and your ability to obtain future credit.
 

7.14 Affiliate Networks

Klarna may share the information that you have clicked on a link that is sponsored (i.e. la links that promote stores, products or services) with so-called “affiliate networks”. This sharing takes place when you click on a link that is sponsored as you will then be redirected to the store’s website through the “affiliate network”. The affiliate network might place a tracking technology on your device that contains the information that you clicked on such a link in one of Klarna’s interfaces, in order to track your visit to a store in order to calculate potential commission to Klarna. The affiliate networks may process your personal data in line with their own privacy notices.


7.15 Divestment

  • In the event that Klarna sells or buys any business or assets, Klarna may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Klarna or substantially all of its assets are acquired by a third party, personal data about Klarna’s customers may be disclosed and shared.

 

8. Where do we process your personal data?

We always strive to process your personal data within the EU/EEA. In certain situations, such as when we share your personal data with a Klarna group company or a supplier or subcontractor located outside the EU/EEA, your personal data may however be transferred to, and processed in, a destination outside of the EU/EEA. If the store where you shop is located outside the EU/EEA, our sharing of your personal data with the store will also mean that your data is transferred outside the EU/EEA. 

We ensure that an adequate level of protection is maintained, and that suitable safeguards are adopted in line with applicable data protection legislation requirements, such as the GDPR, when we transfer your data outside the EU/EEA. These safeguards consist of ensuring that the third country or state at hand is subject to an adequacy decision by the European Commission or implementing the European Commission’s standard contractual clauses. 
 

9. How long do we process your personal data?

We will process your personal data for the time period needed to fulfil the respective purpose of our processing. These purposes are described in this Privacy Notice. This means that even though we stop processing your personal data for one purpose, we may still need to keep your personal data, if the data is needed for another purpose, using it only for that other purpose. In particular:

  • For as long as you have accepted our Klarna Services Terms, and until you terminate those terms (by contacting us or by instructing us to delete data, for example by way of a right to erasure request), we will process the personal data we need to be able to deliver the Services to you, including but not limited to data relating to your previous purchases. 

  • We process the personal data included in credit lookups for the purpose of new credit assessments for a time period of 90 days, following the date that the lookup was done.

  • We process debt-related personal data for the purpose of new credit assessments for a time period of three (3) years following conclusion of the debt - by payment of the debt, the debt being written off by Klarna or sale of the debt by Klarna. 

  • We process the recordings of telephone conversations for a time period of 90 days for quality assurance purposes, but may keep the recordings for up to two years for fraud investigation purposes. We may also retain recordings of outbound calls for up to two years, in order to document what has been decided on the call.

  • We process personal data for the purpose of complying with applicable laws, such as consumer rights legislation, banking- and anti-money laundering legislation and bookkeeping rules. Depending on the applicable legislation, your personal data may be processed up to ten years after the end of the customer relationship.
     

10. Your rights in regards to the personal data

  • Right to be informed. You have the right to be informed about how we process your information. We do this through this Privacy Notice, other information on our website, and by answering questions sent to us.

  • Right to access your data. You may request a copy of your data if you would like to know what personal data we process about you. This copy of your personal data can also be transmitted in a machine readable format (i.e. “data portability”).

  • Right to rectification. You have the right to correct inaccurate or incomplete information about yourself.

  • Right to erasure. You have the right to request deletion of your personal data, for example when it is no longer necessary for us to process the data for the purpose it was collected, or when you have withdrawn your consent. As described in more detail in Sections 3 and 9 above, Klarna however needs to adhere to certain legal obligations preventing us from immediately deleting some of your personal data.

  • Right to restrict processing of your data or object to our processing. If you believe your information is incorrect or you believe we use your data unlawfully, you have the right to ask us to stop the processing. You may also object to our processing where you believe there are circumstances that would make such processing unlawful. Furthermore, you can always object to us using your data for direct marketing.

  • Right to challenge an automated decision. You have the right to challenge an automated decision made by Klarna if this decision carries with it legal or similarly significant effects. See Section 6 for more information on how Klarna uses automated decisions.

  • Right to withdraw consent. As set out in Section 5, where we process your data based on consent or explicit consent, you may withdraw this consent at any time.

  • Right to lodge a complaint. You have the right to lodge a complaint with your national supervisory data protection authority, or the Swedish Data Protection Authority (“DPA”). Complaints to the Swedish DPA can be made using this link: https://www.datainspektionen.se/other-lang/in-english/.
    Complaints to the UK supervisory authority (the Information Commissioner) can be made using this link: https://ico.org.uk/.

  • Controlling service settings in the Klarna app. In the Klarna app, Klarna provides possibilities for you to customize your preferences for certain Services, for example when it comes to whether you want to receive notifications or personalized marketing. We will always respect your choices.
     

11. What about cookies and other tracking technologies?

To deliver a tailored and smoooth experience, we use cookies and similar tracking technologies in our online interfaces, such as our website, the Klarna App and the checkout of stores that cooperate with Klarna. You can find information about the tracking technologies we use, and accept respectively reject relevant tracking technologies in the respective interface. 
 

12. Updates to this Privacy Notice 

We constantly work to improve our Service offerings, in order for you to get an even smooother user experience. This includes both changes in existing Services and new Services over time. It’s therefore important that you read this Privacy Notice each time you use a Klarna Service, since the processing of your personal data can differ since you last used one of our Services.
 

13. Contact details.

Klarna Bank AB (publ) is registered in the Swedish companies register under the registration number 556737-0431 with our main office located at Sveavägen 46, 111 34 Stockholm, Sweden.

Klarna has a Data Protection Officer and a team of data protection specialists working solely with data protection and privacy. We also have a special team of customer service specialists for data protection matters. You can always reach them at privacy@klarna.co.uk.

Klarna Bank AB (publ) is subject to Swedish data protection legislation. Visit www.klarna.com for further information on Klarna.
 

14. Acquisition of Close Brothers Retail Finance

In January 2019, Klarna acquired the Retail Finance division of Close Brothers Limited. In relation to this acquisition, Klarna acquired the personal data of customers who use or have used the services of the Retail Finance division. Klarna will process this personal data in order to fulfill contractual obligations, comply with applicable laws, and in line with Klarna’s legitimate interest to conduct its business. 

The personal data acquired will be processed in line with the privacy notice, in force at the time of the acquisition, and in line with applicable data protection laws. Please note that you have the rights stipulated in this Privacy Notice also for this data, for example the right to access (See Section 13). The privacy notice, in force at the time of the acquisition may be found here.


 

 

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.

How does Financing work?

Spread the cost of your purchase into equal monthly payments with 12.9% interest. Financing is a promotional plan on the Klarna Account.

How do I use Financing?

When you shop online, Klarna’s system reviews each order to determine which payment options are available to you. If Financing is offered, simply select this option. The first time you shop with Financing you will be asked to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app .

I have been asked to go to the Klarna site. Is this correct?

If you have chosen to pay with Financing by Klarna, Klarna will send you an email with further details on how to pay.

Can I pay less than the amount owed each month?

You can at any time choose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you choose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable).

Do I need to be 18?

Financing is only available to people aged 18 or over and is an online exclusive payment method.

How do I manage my Klarna Account?

Log in to the Klarna App or Klarna.com/uk at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.

How can I increase my chances of being accepted for Financing?

Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.

How is my statement sent?

If you chose to use Financing, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. You can always monitor the active statements in Klarna app at your convenience.

What do I need to provide when I make a purchase?

If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.

Is my payment information safe?

Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.

How do I make a payment?

First, log in the Klarna app or in www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service.

I haven't received an email with my statement.

Please log in the Klarna app to view the statements or contact Klarna’s Customer Service via live chat or phone.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

What happens if I cancel or return my order?

As soon as iStore have accepted your cancellation/return, then Klarna will make any necessary adjustments to your balance and provide further help if needed.

I have cancelled my order. How long will it take until I receive my refund?

As soon as the store has registered your cancellation or your return, we will credit the balance back to your Klarna Account within the next 5 business days.

I have asked for a refund. How will I be refunded?

If you have paid for your order with a card, the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.

I've received my monthly statement and a payment is due, but I've not yet received my goods.

You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact our Customer Service so that we can postpone the due date on your payment. or put the order on hold in the Klarna app while you wait for the goods to arrive.

I still have questions regarding payment.

Visit Klarna app Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.

Please take care not to damage the cellophane and other packaging on products that you would like to return.

Customers must let us know within 14 days of receiving their goods that they want to cancel or return items, customers then must return the goods within 14 days once you have informed us. Refunds will then be processed within 14 days of receiving the goods back. Returns outside of 14 days may be subject to a restocking fee. (Please note headphone & earphones cannot be returned unless they are faulty. This is due to hygiene reasons)

Business and education customers buying from Albion / iStore have different rights than consumers. We will always try to provide an amicable solution for any return, we will assess each request on a case by case basis.

To request an order cancellation or return something, please email webshop@albion.co.uk.

For Configure To Order devices as these are bespoke we, unfortunately, cannot accept cancellations or non-warranty returns. 

We offer free delivery for all orders over £100. Orders are only dispatched after we have received funds or an approved finance application.

Unfortunately, we’re unable to change your delivery address to a different one after an order is placed. We will not ship to international forwarding companies, any orders with such an address will be cancelled.

Items are stored in our central warehouse. Orders received before 4 pm Monday – Friday will be shipped that night for next working day delivery (excluding public holidays),  orders placed after 4pm Friday, Saturday – Sunday orders will be received on Tuesday.

Delivery is not available on public holidays

Where an item must be built to meet the specification of your order (such as a custom configuration on a Mac) lead times may vary. Whilst delivery is typically 10-14 days for customised devices, please allow a maximum of 28-days for delivery.

Click and Collect items will be sent to your designated store and they will contact you when your goods are ready for collection.

For orders funded by finance applications, we will only deliver to the registered address used for the finance application.

Orders made as part of a school or other education scheme may take longer to fulfil due to the location and volume of the items involved – we will update you if it is going to take longer to fulfil your order.

All deliveries, other than delivery to the store, require a signature to confirm your order is delivered and received correctly.

Any discrepancies (damaged or missing items) with deliveries must be reported within 48 hours of receipt. 

We are not obliged to give refunds for non-faulty goods or goods that have been customer built or modified. 

Refunds can only be given under the following conditions:

 

• Condition of goods must be unopened and packaging pristine. 

• Apple Products must be returned with in 14 days of purchase and 3rd party goods with in 30 days of purchase. 

• All goods are subject to a 20% restocking fee.

• Software cannot be refunded once opened 

• iTunes gift cards cannot be returned under any circumstances.

• Due to hygiene reasons headphones, earphones, AirPods cannot be returned once opened. 

 

Faulty goods should be dealt with in accordance to our standard terms and conditions.

For faulty goods a customer may be offered a repair or replacement subject to the following conditions: 

• The goods will be inspected by an authorised persona and the fault must be identified as genuine and not caused by misuse or accidental damage.

•The goods must be returned with all packaging, accessories and product components, documents, cables etc. 

• Apple products must be returned with in 14 days of purchase and 3rd party goods within 30 days of purchase. after these time limits, goods will be repaired under the manufacturers warranty or outside of the warranty under our normal charge rates.  

Please note that returns policy is not valid for repairs, this includes but not limited to out of warranty whole until replacements, component repairs, iPhone, iPod, iPad, Beats & Mac repairs and is only valid for purchases made in our 10 retail stores and does not apply to items sold through our website. 

If you purchased from an iStore on the high-street and are unhappy please speak to the store manager in the first instance. If having spoken to the in-store manager and you are still not satisfied, please contact our head office team. Purchases from our online store should go webshop team at head office.

Tel: 020 7212 9090
Customer Service Team: customerservice@albion.co.uk
Webshop Team: webshop@albion.co.uk