TERMS & CONDITIONS
If using Klarna Pay in 3 - please refer to the Klarna Pay in 3 T&C below
1. General
Access to and use of this website and the products and services available through this website are subject to the following terms and conditions (together with the documents referred to in it). By using this website and/or placing an order you are agreeing to all of the terms and conditions. If you do not agree to these terms and conditions please refrain from accessing and using the website and/or services KC Skin Studio operated by Karen Conroy is registered in the Republic of Ireland with its registered office at 66 Rossvale, Portlaoise, Co. Laois.
2. Privacy Policy
Our Privacy Policy, which sets out how we use your information, can be found at www.kcskinstudio.com By using this website you are accepting the terms as laid out by the Privacy Policy.
3. Website Availability
We reserve the right to make any changes to the website or to discontinue any aspect or feature of the website without notice. We may suspend the website for any reason whatsoever, including but not limited to repairs, planned maintenance or upgrades, and shall not be liable to you for any such suspension.
4. Acceptable Use
You acknowledge that you are solely responsible for all activities under your login and all communications sent via or to this website and agree that your use of this website is for private, proper lawful purposes only. You will not carry out any act or omission or procure any act or omission which would damage, delay, interrupt or impair the use of this website or its software. Cause any illegal, offensive, defamatory material to be placed on or associated with this website. Be in breach of any copyright, trade mark, privacy, confidence, or any other third party right, or cause any inconvenience to KC Skin Studio its employees, agents, software and other suppliers or any other third party (including, without limitation, creating or procuring software viruses, chain letters, unsolicited communications and ‘spam’).
You agree to abide by all applicable local, state and national laws and regulations. In the event that KC Skin Studio, in its sole discretion, considers that you are making any illegal and/or unauthorised use of the Website, and/or your use of the Website is in breach of these Terms, we reserve the right to take any action that we deem necessary, including terminating without notice your use of the Website and, in the case of illegal use, instigating legal proceedings.
5. Indemnity
You agree to indemnify and hold us and our affiliates and agents and their respective officers, directors and employees harmless from any claim or demand, including legal fees, made by any third party due to or arising from your use of this website, breach of this agreement or your violation of any laws or rights of a third party.
6. Intellectual Property Rights
Subject to these terms, KC Skin Studio grant a non-exclusive, non-transferable, limited right to access and use this website and the materials displayed thereon. However, no right, title or interest in any such materials will be granted or transferred to you as a result of any permitted use of such materials.
All materials incorporated in or accessible through this website, including but not limited to text, photographs, images, graphics, illustrations, logos, button icons, audio clips, video clips, software and other content, and the compilation, collection, arrangement and assembly thereof (including the look and feel of the site), remains the property of KC Skin Studio, or it’s licensors and as such are protected by Irish and international copyright laws. All such rights are reserved. Such materials may be used only for using this website in the ordinary course.
For example you may store, print and display the content supplied solely for your own personal use. You may re-copy, extract or forward pages from this website to a third party for their personal use only. Any other use of such materials, including copying, reproduction, republication, editing, sale, transmitting, uploading or incorporating into any other materials, any of the website, without prior written permission is strictly prohibited.
7. Submission of Material, Product Reviews, Community Areas
By submitting any material to us, you automatically grant us the royalty-free, perpetual, exclusive right and license to use, reproduce, modify, edit and publish this information (in whole or in part) worldwide and to incorporate it in other works in any form, media or technology now know or later developed. You also acknowledge that we are not obliged to publish any material submitted by you. If you do not wish to grant us the permission set out above please do submit or share your contributions.
We advise you never reveal personal information about yourself or anyone else (telephone number, home address, business address, delivery address, or email address or any other details) that would allow you or others to be personally known.
8. Pricing, Description and Product Information
All products displayed on this website are available only whilst stocks last. All photos, descriptive matter specifications, and advertising issued on this website and any descriptions photos or illustrations are issued or published for the sole purpose of giving an approximate idea of the products described in them. They will not form part of the contract with you and no warranty or guarantee shall be expressed or implied in the contract with you.
All prices for products are as quoted on the website except in the case of an obvious error. If we discover an error in the price of any goods which you have ordered we will inform you of this as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it.
All prices are inclusive of VAT and are subject to change. All sale prices quoted are valid only while stock lasts. Delivery costs will be added to the total amount at checkout. KC Skin Studio are not liable for any additional taxes or duties that may be imposed by your country.
9. Purchasing Products
KC Skin Studio presents these products and services as an invitation for sale and reserves the right to refuse sales without giving any reason. By placing an order you are offering to purchase a product on and subject to these terms and conditions.
All orders are subject to availability and confirmation of the order price. If in the unlikely event of an item forming part of your order is out of stock, we will inform you of this by email and indicate when the item will be back in stock. You will also be given the opportunity to cancel that part of the order. Where part of your order is out of stock we may send the rest of your order to you and send the remainder of your order at a later date. You will not be charged any additional postage costs for the out of stock items. Unfortunately, at this time, we do not accept changes to orders after they have been placed. Therefore, please be sure that your order is correct before confirming your order.
Once you’ve placed an order on www.kcskinstudio.com we will send you an email to acknowledge your order. This acknowledgment does not imply an acceptance of the order. A contract between us will not be formed until we send you confirmation by e-mail that the goods which you ordered have been dispatched to you. Only those goods listed in the confirmation e-mail sent at the time of dispatch will be included in the contract formed.
For orders paid via credit or debit cards, your card will be debited once the order has been placed. If you have paid through a PayPal account, your account will be charged when the order is placed.
In order to purchase from this website, you must be aged 16 years or more and possess a valid credit/debit card issued by a bank acceptable to us. Your order will only be processed if your credit card billing address and card security code can be verified by our credit card payment acquisition company. If your order is accepted we will inform you through email. When placing an order you undertake that all the details provided by you to us are true and accurate, that you are an authorised user of the credit or debit card used to place the order and that there are sufficient funds to cover the costs of the goods.
10. Discount Codes
Discount codes may be offered from time to time to account holders. These codes may only be used on purchases made through the account which the code was offered.
11. Gift Vouchers
We cannot accept any responsibility for stolen or deleted gift vouchers. We will dispatch your gift voucher upon clearance of payment. Please ensure the email address you supply for delivery of electronic gift vouchers is correct. We cannot be held responsible if a gift vouchers is used by a person other than your recipient. We also cannot take responsibility if a gift voucher cannot be delivered to a recipients address because of spam filters, firewalls, the capacity of the recipient’s mailbox or any other factors outside of our control.
12. Delivery
Prices are quoted exclusive of postage and packing, which will be charged at the rates specified in the Delivery page. We endeavour to dispatch your order on the day of receipt of the same, provided your order is received before 12pmIf your order is received after this time or is received over the weekend or on a bank or public holiday then it will be dispatched the next business day. In any case all orders will be dispatched within one week unless we have communicated to you differently.Where there is a delay or likelihood of delay in the supply of products, we will advise you as soon as is practical.
In some cases your delivery may require a signature. Please ensure that you will be available to sign for the delivery at the delivery address you specify.
Where a delivery partner fails to make a delivery to you, either because you were not available at the address provided when delivery was attempted and you did not collect the order within the time frame set out by the delivery partner or because the address you provided is incorrect or does not exist, and as a result your order is returned, we will make a charge to you for the costs we incur in sending the item to you and in paying for its return. We will issue you with a refund upon receipt of the parcel for the amount remaining after the deduction of these charges. We regret that we cannot be held responsible for a delay in the parcel being returned to us or if the courier failed to notify you of an attempted delivery. In these cases please contact the delivery company directly.
If in the unlikely event your order does not arrive to you, please note that An Post and Royal Mail will not consider a parcel missing until 21 days from dispatch have passed. We cannot resend the missing order until after this time.
13. Cancellation
If, for any reason, you wish to do so, you have the right to cancel any order you have placed within the seven day cooling off period. Where the goods have been delivered to you, you may cancel them up to 7 working days, starting from the day after the goods were received, in line with the European Communities (Protection of Consumers in Respect of Contracts Made by Means of Distance Communication) Regulations 2001.
You can cancel your order within the 7 day period by emailing karen_conroy@live.ie providing a brief explanation as to the reason for the return and quoting your invoice number. We will process the refund due to you as soon as possible, and always within 30 days of the day you have given notice of your cancellation. We will issue you with a full refund however you will need to return the entire order at your cost if you have already received them. In all cases the goods must be in their original condition and will be inspected on their return. If we do not receive the cancelled order back, we may arrange to have them collected at your cost. The cost of sending the item to you will be refunded, however, if only part of your order is cancelled, the delivery charge will not be refunded.
14. Returns
We hope that you will be pleased with your purchase. However, should you wish to return anything bought from us, we will happily refund any unwanted goods returned within 14 days from date of delivery. All unwanted goods must be returned in an unused, as new condition with the original packaging and any free samples/free gifts received along with a completed returns form. Please note all applicable free gifts and samples supplied must also be returned with your order. If not we will make a discretionary deduction to cover our cost for these items. We will refund the monetary value of the goods returned to us, at the price you purchased them less the true cost to us for shipping the item to you. Please note it is the customer’s responsibility to ensure the goods are returned safely to us.
In the unlikely event that your product is faulty upon arrival we will happily refund your item when it is returned to us within 14 days from the date of purchase. Please contact us within 7 days of receipt of the product and we will be able to assist you. We will offer you a refund or exchange within 14 days of receiving the returned item/s. We will refund the monetary value of the goods returned to us, at the price you purchased them including the delivery charges for sending the item to you.
We will refund back to the original method of payment charged only (e.g. credit card, debit card, gift voucher).
It is not possible to return any products that are on final or are reduced to clear after the seven-day cooling off period for refund or exchange unless the products are faulty or damaged.
15. Limitation of Liability
YOU UNDERSTAND AND AGREE THAT (TO THE FULLEST EXTENT PERMITTED BY LAW) WE AND OUR AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF, OR RESULTING FROM;
IN NO EVENT SHALL YOUR BUSINESS NAME LTD TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT INCLUDING, BUT NOT LIMITED TO NEGLIGENCE) EXCEED THE AMOUNT PAID BY YOU TO CLOUD TEN BEAUTY, IF ANY, FOR ACCESSING THIS WEBSITE OR IN MAKING A PURCHASE THEREON. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEBSITE, OR WITH ANY OF THESE TERMS & CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS THE DISCONTINUATION OF YOUR USE OF THIS WEBSITE. KC Skin Studio is not responsible for any injury and or damage to any individual as a result either directly or indirectly of any information published on this website. Where the Website or any Submission made by any user includes views, opinions, advice and recommendations, these views, opinions, advice and recommendations are not endorsed by KC Skin Studio and, to the maximum extent permitted by law, KC Skin Studio shall not be liable on account of the accuracy, defamatory nature, completeness, timeliness or otherwise of such views, opinions, advice and recommendations. The information provided by KC Skin Studio is intended as information only and does not constitute advice. The accuracy of the information is not guaranteed and is subject to change and therefore KC Skin Studio cannot accept responsibility for any loss damage or expense incurred upon using the information.
16. Disclaimers of Warranties
THIS SITE IS PROVIDED BY KC SKIN STUDIO ON AN “AS IS” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLOUD TEN BEAUTY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, COMPATABILITY, SECURITY, ACCURACY OR INFRINGEMENT.
NEITHER KC SKIN STUDIOANY OF OUR AFFILIATES, NOR ANY OF OUR OR THEIR RESPECTIVE LICENSORS, LICENSEES, SERVICE PROVIDERS OR SUPPLIERS WARRANT THAT THE SITE OR ANY FUNCTION CONTAINED IN THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. KC SKIN STUDIO DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS INCORPORATED IN THE SITE OR ANY THIRD-PARTY SITE ACCESSED THROUGH THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY, OR OTHERWISE AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH PRODUCT, OFFERING, CONTENT OR MATERIAL.
ALTHOUGH THIS SITE IS ACCESSIBLE WORLDWIDE, NOT ALL PRODUCTS OR SERVICES DISCUSSED OR REFERENCED HEREIN ARE AVAILABLE TO ALL PERSONS OR IN ALL GEOGRAPHIC LOCATIONS. CLOUD TEN BEAUTY RESERVES THE RIGHT TO LIMIT, IN ITS SOLE DISCRETION, THE PROVISION AND QUANTITY OF ANY PRODUCT OR SERVICE TO ANY PERSON OR GEOGRAPHIC AREA IT SO DESIRES. ANY OFFER FOR ANY PRODUCT OR SERVICE MADE IN OR THROUGH THIS SITE IS VOID WHERE PROHIBITED.
FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU FROM OUR PERSONNEL OR THROUGH THIS WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED FOR IN THESE TERMS & CONDITIONS.
THESE DISCLAIMERS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
17. Complaints
We aim to handle any complaints fairly, quickly and effectively. Complaints should be directed to us via the contact us page and include contact details in addition to your e-mail address and order number, if applicable.
18. Termination
We may terminate this website with or without cause at any time and effective immediately.
19. Waiver
A failure to exercise or delay in exercising a right or remedy provided by this agreement or by law does not constitute a waiver of the right or remedy or a waiver of other rights or remedies. No single or partial exercise of a right or remedy provided by this agreement or by law prevents further exercise of that right or remedy or the exercise of another right or remedy. No waiver by us of any of these terms shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with the provisions above.
20. Communications
In the course of providing you services and in respect of your use of the website, we may need to communicate with you via email or the other details that you have submitted to us. You agree to receive emails which are specific to your account and necessary for the normal functioning of the website, including emails which help inform users about the functionality of the website. You agree that we may communicate with you regarding the website by any electronic means.
All notices given by you to KC Skin Studio must be given to karen_conroy@live.ie or via the contact us page.
21. Force Majeure
We will not be liable or responsible for any failure to perform, or delay in performance of any of our obligations under a contract that is caused by events outside our reasonable control.
22. Entire Agreement
These Terms and Conditions (together with the documents referred within it) constitute the entire agreement between KC Skin Studio and you with respect to your access to and use of the Site and any third-party site accessed through the Site. We may assign or subcontract any or all of our rights and obligations of our agreement with you to a third party at any time, at our discretion. You may not, without prior written consent, assign or dispose of any of your rights or obligations arising under this agreement. Nothing in this agreement shall create or be deemed to create a partnership, joint venture, agency or employee-employer relationship between you and us. Headings are for reference purpose only and in no way define, limit, construe or describe the scope or extent of such section. Any person who is not a party to this agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement. This does not affect any right or remedy generally available to such a third party in law or otherwise.
If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
23. Right to Change the Terms and Conditions
We have the right to revise and amend our terms and conditions from time to time. You should check this page regularly to take notice of any changes we may have made to the terms and conditions. Any amended agreement will govern new user registrations and existing users from the date of posting.
24. Laws
The terms of use shall be governed by Irish Law. Any dispute arising from, or related to, such contracts shall be subject to the exclusive jurisdiction of the courts of Ireland.
SOURCE: https://cdn.klarna.com/1.0/shared/content/legal/te...
Thank you for choosing to shop with Klarna. These terms and conditions, together with the attached template agreement (when populated with your individual details), comprise a credit agreement between you and us (the “Credit Agreement”). When we use ‘us’, ‘we’ or ‘our’ in this document, we mean Klarna Bank AB (publ). When we use ‘you’ in this document, we mean anyone who has bought something using Pay in 3 instalments with Klarna.
1. Who can use Pay in 3?
You must be an Irish resident, over 18 years old and have a valid payment card to use Pay in 3. When we say ‘valid payment card’, we mean the card must be in your name, and must not have expired. You should also make sure the card you use has enough money available to cover all the instalments.
Pay in 3 is a credit product. It’s our decision whether or not we start a credit agreement with you.
2. How do I Pay in 3 instalments?
With Pay in 3, you can pay for something you buy by dividing the cost into three equal instalments. At checkout, you’ll see an option to ‘Pay Later in 3 instalments’. When you choose this option, just enter your card details to complete your purchase.
There are no interest charges with Pay later in 3 instalments, and no fees when you follow your automatic payment schedule. If you are delayed in making a payment, we may charge late fees, see Section 12 below. Any missed instalments, including any added late fees, will be rolled over to the next scheduled due date.The issuer of your card or your bank may charge interest or fees under your agreement with them. If you have any questions about those charges, contact your card issuer.
Any currency conversion process applied when making a purchase will be conducted by the your issuing bank and is subject to the issuing bank's terms and conditions.
3. Are there any alternative options for paying off my balance?
Yes, you are able to make payment early through the Klarna App by paying by card immediately. If a payment is made earlier, and the balance cleared we will not continue charging your card.
4. Do you need a due date extension?
You will have the possibility to extend the payment date (“Due Date”) of your order for up to 10 calendar days in the Klarna Klarna App, see Extend your Due Date for a Fee Terms.
Payment conditions: For extending the Due Date a fee is charged. The size of the fee depends on the value of your order as specified on your purchase/payment. You cannot extend the Due Date for orders that are EUR 500 or more.
The fee associated with the new Due Date will be displayed whenever you select the payment extension option. The cost for extending the Due Date is: i) two (2) EUR per instalment if the total order value is below EUR 100, ii) three (3) EUR per instalment if the total order value is between EUR 100.00 - 199.99, and iii) four (4) EUR per instalment if the total order value equals EUR 200 or above.
If you choose to extend the Due Date, the new Due Date and the applicable fee is shown in your updated payment plan and also detailed in the confirmation email that will be sent to you thereafter. The fee is to be paid on the same day as the new chosen Due Date for your original payment.
Default: In the case of non-payment by the new Due Date, late fees will be added in accordance with Section 12 below.
5. Which cards does Klarna accept?
Klarna accepts valid debit and credit cards that are not scheduled to expire in the near future. No pre-paid cards. We’ll let you know at checkout if your card hasn’t been accepted.
6. When will Klarna take my payments?
At the point of purchase we’ll freeze the first of your three instalments on your card. This means you won’t be able to spend this money on anything else. Once we've received confirmation that your items have been shipped, the first of your three payments will be taken from your card automatically using the frozen amount. You’ll be able to see this on your card statement. If your items are not shipped, we’ll unfreeze your money and you’ll be able to spend it again. This may take a few days depending on which bank you’re with.
The second payment will be taken 30 days after the first payment, and the last one 60 days after the first payment.
The dates these payments are due will be sent to you by email, and you’ll be able to check them in the Klarna App.
The day and time when a payment falls due are calculated based on the date and time of the day the merchant confirms your order (typically when they ship your goods). This means that if you have purchased items from multiple merchants on the same day, Klarna will charge the debt related to an item that was confirmed (shipped) earlier that day before an item that was confirmed later on the same day.
Sometimes the shop (online merchant) doesn’t charge you for your whole order all at once. They might do this if they ship your items at different times. If this happens, we’ll make a new Pay in 3 plan for each part order they make. Each of these order parts will have its own due date, depending on when the shop confirms that part of your order. If you extend the due date for your payments at any stage in the process, additional fees may be payable.
WARNING: if you do not make your repayments we will, as a last resort, engage a debt collection agency to collect money owed from you. We will contact you in advance before your debt is sent to an external debt collection agency. Not meeting repayments may also affect your ability to use Klarna in the future.
7. What happens if my card is cancelled, or my card details change?
If your card is cancelled, you’ll still have to pay us any money you owe as soon as we ask you to.
If your card details change between your purchase and your final payment, you can update them in the Klarna App.
8. What happens if I cancel my order?
Your cancellation is subject to the store’s cancellation policy, so you need to check the store’s website for information on their cancellation policy and instructions on how to cancel an order and return the good(s) if already received.
If your next payment or due date for the cancelled order is approaching, you can pause billing by choosing that order in the Klarna App and click “Report a problem”.
Once the store has confirmed the cancellation or return, Klarna will update your payments accordingly as well as refund any amounts due. Refund processing times to you may vary and can take up to 14 days depending on the consumer’s bank.
If you cancel your order, we’ll cancel any outstanding payments and pay back any amounts we’ve already taken from your card. We’ll do our best to pay you back as soon as we can.
If you want to return part of your order, we’ll take the amount from your outstanding balance. It won’t count as a payment, so you’ll need to continue making your payments on the dates they’re due until your balance is paid in full.
9. How and when will I receive my refund?
Refunds for Pay in 3 are processed in different ways. It depends on the status of your payment schedule, how much you’ve paid and if the merchant has processed a full or partial refund.
Full refund
If you’re due a full refund, we’ll cancel any remaining payments and refund anything you’ve already paid to the card you used to make the payment.
Partial refund
If you’re due a partial refund that’s more than the remaining balance on your order, we’ll deduct the amount from the outstanding balance first. We'll then refund the difference to the card you used to pay off the purchase.
If the partial refund is less than the remaining balance on your order, we’ll deduct the amount from the outstanding balance. We’ll then spread the remaining balance evenly over the remaining payments.
10. Can I cancel this Agreement if I change my mind?
You have the right to withdraw from this credit agreement without charge at any time. If you wish to withdraw from the credit agreement, you will need to repay the balance owed by card through the Klarna App.
If you wish to exercise your right of cancellation with the merchant (shop), please see section 8 above.
11. What happens if you can’t take an instalment because I don’t have enough money on my card?
If we can’t take the the upcoming instalment from your card, we’ll let you know, and try again. If that's unsuccessful, we'll roll the missed payment over to the next instalment. If also the next installment is unsuccessful, we’ll give you a few days to update your card details or make sure there’s enough money on your card. If we still can’t take the payment at the final instalment, we’ll try to charge your card again, ask you to pay the outstanding amount directly and/or use a debt collection agency to collect the money for us. You authorize us to attempt to collect a failed payment at any point after 2 days, using any payment method we have on file for you.
We will contact you if we roll over a payment to the next due date and after the last instalment when all your payments have failed.
Not paying your instalments on time might also mean you can’t use Klarna in the future
12. What happens if I’m late with my payment?
If we are unable to charge your selected payment method for the amount due on your due date we will send you a notification and provide you a courtesy two to seven business day slack period so that you can update your payment method or ensure enough funds are available on your selected card. If you update your card, we may attempt to collect the late payment immediately. Otherwise, we will attempt to charge your original card again after the two to seven-day period. It is important that you ensure enough funds are available to complete your payment on the due dates. If we are not able to take the second instalment during the slack period, we will roll over the unpaid amount to the next and final instalment, including a late fee for the missed payment.
If you fail to make a payment by the end of the courtesy slack period you will be in default, and in addition to other rights we have, we will charge you a late fee amounting to the following; i) three (3) EUR per instalment if the total order value is below 100 EUR, ii) five (5) EUR per instalment if the total order value is between 100-199.99 EUR, iii) eight (8) EUR per instalment if the total order value is between 200-499.99 EUR, or the maximum amount permitted by applicable law if lower. Late fees do not apply for orders that are 500 EUR or more. You will never be charged more than two late fees per purchase.
If you fail to make your payments, you may be unable to use the service in the future. We will continue to attempt to collect overdue and currently due payments on subsequent due dates. If we are unable to take the outstanding amount on the third instalment, we will send you an email urging you to pay us back in the Klarna App before we initiate our debt collection procedures where you may have to pay all reasonable costs incurred by Klarna and/or the debt collection agency.
WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
13. Will using Klarna affect my credit score?
No. We will undertake our own risk assessment using data such as your outstanding debt, payment history with us, and the number of open orders. This information will be used to assess the maximum amount of credit we will allow you, but this information will not be shared with any third parties or the Central Credit Register.
14. How does Klarna store my card details and my personal data?
We store your card details on our systems when you shop with us. We’ll use these details to approve future payments. Unless you opt out, we may also use this information to fill out your card details for your convenience when you buy things in the future.
You can manage your cards online. If Klarna gets updated card details from your bank, we might also store this information on our system.
We use your personal data to identify you and to carry out customer analysis, credit assessments, marketing and business development. We might also share your data with some partners (such as credit reference bureaus), which might be based outside of Ireland.
Please see our Privacy Notice here for more information about your rights, how you can get in touch with us, or to complain. By using Klarna’s services you confirm that you’ve read this notice.
15. How do I make a complaint?
For complaints, the information provided on klarna.com/ie/ applies. By using our Service you consent and agree that Klarna provides all communication regarding complaints electronically. If you have a complaint towards Klarna, you can submit your complaint through Klarna’s Customer Service webpage or using the chat function in the Klarna App.
If we are unable to resolve your complaint, you may refer your complaint to the Financial Services and Pensions Ombudsman (FSPO). The FSPO is independent and free service to complainants and there is no cost for bringing a complaint to the FSPO. Klarna will participate in such proceedings and is obliged to do so under applicable law. More information can be found on FSPO website: www.fspo.ie. You can also submit your complaint in any official language of the European Union through the ODR-platform provided by the European Commission: https://ec.europa.eu/consumers/odr/. The complaint will then be forwarded to FSPO. You may also contact the FSPO by postal mail or personally: The Financial Services and Pension Ombudsman, Lincoln House, Lincoln Place, Dublin, Phone: +353 1 567 7000, email: info@fspo.ie.
You can contact Klarna’s Customer Service through the webpage or by using the chat function in the Klarna App.
16. Transfer of rights
This is a credit agreement between you and us. You can’t transfer your rights or obligations to anyone else unless you get our permission first.
We can transfer these terms, or any rights and obligations you have under them, at any time. We don’t need to ask for your consent to do this, unless transferring would harm your rights and responsibilities. This means we have the right to transfer the credit agreement to another provider without asking you.
17. Klarna
Klarna Bank AB (publ), trading as Klarna, is authorised/licensed or registered by the Swedish Financial Supervisory Authority (Finansinspektionen) in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules.
Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, telephone: +46 8 120 120 00, fax: +46 8 120 120 99. (VAT number SE556737043101), is a Swedish bank registered at the Swedish companies register under registration number 556737-0431. The Managing Director is Sebastian Siemiatkowski. Klarna Bank AB (publ) is authorised to provide financial services by Finansinspektionen (the Swedish Financial Supervisory Authority). Klarna’s registration with the Swedish financial supervisory authority as well as a list of countries to which Klarna’s services have been passported to can be found on Finansinspektionen's website.
18. Governing Law
This agreement is governed by the laws of Ireland. Any disputes arising from or in connection with this Agreement shall be subject to the courts of Ireland.
We will usually communicate with you in English.
Please note that other taxes or costs may exist that are neither paid by nor imposed by Klarna.
For further information about Klarna, go to: klarna.com/ie/