Klarna - Invoice and installment purchase

In collaboration with the payment provider Klarna, we offer you the opportunity to choose the “invoice” payment method as an option for paying the applicable purchase price and shipping costs. We also offer the payment methods installment purchase, direct debit, credit card and instant transfer via Klarna. The provider specifies the following specifications for the use of the means of payment and the use of data:

In order to be able to offer users a payment method, Klarna carries out an identity and credit check. After logging in or registering at druckerzubehoer.de, the user has therefore consented to the online shop receiving the personal data necessary for processing the purchase contract as well as payment and an identity and credit check, such as first and last name, address and date of birth , gender, email address, IP address, telephone number as well as the data necessary to process the purchase that are related to the order, such as the number of items, item number, invoice amount and taxes in percent, and that this information is provided by Klarna are processed. In accordance with applicable law, Klarna has a legitimate interest in transmitting the user's personal data when processing the payment requested by the user and needs this in order to obtain information from credit reporting agencies for the purpose of identity and creditworthiness checks.

In Germany, these can be the following credit agencies:
Bürgel Wirtschaftsinformation GmbH & Co. KG, P.O. Box 5001 66, 22701 Hamburg
Creditreform Boniversum GmbH, Hellersbergstrasse 11, 41460 Neuss
Deltavista GmbH, Freisinger Landstr. 74 80939 Munich
Arvato Infoscore Consumer Data GmbH and Infoscore Consumer Data GmbH, Rheinstrasse
99, 76532 Baden-Baden
SCHUFA Holding AG, Kormoranweg 5, 65201 Wiesbaden

As part of the decision on the establishment, implementation or termination of the contractual relationship, Klarna, in addition to an address check, also collects and uses information about the user's previous payment behavior as well as probability values ​​for this behavior in the future. Address data, among other things, is integrated into the calculation of these values. The transmission of data to these credit reporting agencies takes place exclusively within the framework of the legal provisions. Data about the non-contractual processing of due and undisputed claims can be transmitted to the above-mentioned credit agencies in accordance with Section 28a BDSG within the framework of the legally permissible provisions and taking into account your respective legitimate interests in excluding transmission or use.
Users can obtain information about the data stored concerning them from the above companies. In addition to the identity and creditworthiness check, personal data is processed, used and stored by Klarna for internal statistical and analysis purposes in compliance with the provisions of applicable law. For this purpose, Klarna can use the stored data for risk management purposes and to further develop Klarna's services.
When selecting Klarna's payment services as a payment option, the user agreed that Klarna and Klarna Group companies in Sweden may process, use and store the personal data in this context.

Of course, users can revoke their consent to the use of the data obtained and receive information about the personal data stored by Klarna at any time. This right is guaranteed by applicable law. If users wish to do this or want to notify Klarna of changes to the stored data, they can contact Datenschutz@klarna.de.
If the user revokes his consent to the use of the personal data, Klarna remains entitled to process, use and transmit the personal data to the extent that this is necessary for contractual payment processing through Klarna's services, is required by law, or is required by a court or an authority is required.

The following terms of use ("Terms of Use") apply between Klarna AB ("Klarna") and the user of Klarna Checkout. These are also available here:
Klarna Checkout Terms of Use 

Klarna Checkout offers you a simplified ordering process that is tailored to your individual needs and is intended to make the ordering process easier. For identification purposes, to prevent unauthorized or abusive use of Klarna Checkout and, if necessary, to fulfill our due diligence obligations when granting credit, it is necessary for Klarna to establish your identity. Klarna collects your name, date of birth, address and telephone number. To customize your payment options, Klarna also uses information that you have provided to Klarna during previous purchases, as well as internal payment history. Klarna Checkout is adapted to your personal requirements each time you use it, so you only have to enter the information requested.

In order to shop with Klarna Checkout, you must be a Klarna Checkout user. You will not incur any additional costs as a result. You will only become a Klarna Checkout user if you agree to this when completing your purchase. As part of our service for Klarna Checkout users, the address that you have given to Klarna for previous purchases will be pre-filled after you have entered your email address and postal code. If desired, you can also use a PIN code instead of your postal code. In this case, your address will only be pre-filled when you enter the PIN code. You can find the link with the help of which you can create the PIN code at the bottom of this website. You can switch off the pre-filling at any time by sending an email to Datenschutz@klarna.de .

Klarna owns all rights to Klarna Checkout. You may only use Klarna Checkout for orders and in accordance with these Terms of Use. By entering data, you confirm that this data is correct. You further confirm your identity and/or that you are authorized to use the information provided. Providing data that does not belong to you and which you are not otherwise authorized to use, as well as any type of use of Klarna Checkout in a manner other than that described here, will be considered misuse by Klarna. All information about misuse or suspected misuse of Klarna Checkout is stored and used for future risk assessment and to protect involved parties. Klarna can block users from further use of Klarna Checkout for legitimate reasons. Compliance with these Terms of Use and the conditions for the payment methods used also affects the payment alternatives that are made available to you as part of Klarna Checkout.

Klarna processes your personal data in order to be able to offer you a simplified payment process with Klarna Checkout and to further simplify the payment process for repeated use. Klarna processes your personal data to verify your identity, to process your payment, to avoid abusive or inadmissible use of the payment methods offered, for customer analysis, for internal credit assessments, for risk analysis, risk management, business development and to comply with applicable law. When using Klarna Checkout, Klarna may process the following personal data:

• Contact information - name, address, email, telephone number etc.
• birth date
• Payment information - credit card information, billing information, etc.
• Information on your economic circumstances - information on your income, data on non-contractual payment processing (if available)
• Shopping Cart Information - details of goods you have purchased etc.
• Historical information - information about previous purchases, payment history, any rejections, etc.
• Device information - IP address, language settings, browser settings etc.

If you have previously used Klarna's services, we may have stored information about you for the purpose of managing the business relationship, documentation and similar purposes. This information, where available, is used by Klarna to determine your identity, to prevent unauthorized use and to personalize Klarna Checkout to you. Klarna can transfer data to other companies within the Klarna Group, which can also use it for the purposes described here. For processing purposes, data can also be transmitted to the retailer from whom you made your purchase. Furthermore, data can be transferred to an external collection agency when the claim is sold.
Klarna can use electronic means of communication (e.g. e-mail, SMS) in communication with you. Klarna may use your data for customer surveys regarding satisfaction with our service (e.g. after contact with our customer service) and regarding the or similar products used. You can object to this use of your data at any time free of charge by sending an e-mail to Datenschutz@klarna.de .
Klarna is the data controller with regard to the processing of your personal data in Klarna Checkout and is subject to Swedish data protection law. You have the right to request an extract about the processing of your data once a year free of charge. You can also correct incorrect data. You can request further information about the processing of your personal data by Klarna by sending an e-mail to Datenschutz@klarna.de .

The terms of use valid at the time of use apply. We therefore recommend that you read the Terms of Use carefully each time you use it. Special conditions may apply to the use of individual payment methods. These are stated separately for the respective payment method.

Klarna Checkout may contain links to other websites. Klarna’s terms of use do not apply to these websites. We recommend that you inform yourself separately about the terms of use that apply to these websites.

Klarna assumes no liability for any damage caused by using Klarna Checkout. This does not apply to a) damage from injury to life, limb or health that is based on at least a negligent breach of duty by Klarna, a legal representative or vicarious agent of Klarna; b) other damages based on a grossly negligent breach of duty by Klarna, a legal representative or vicarious agent of Klarna or c) for the breach of essential obligations (cardinal obligations) by Klarna.

Klarna AB is a company incorporated under Swedish law, registered with the Swedish Companies Register under number 556737-0431, Managing Director Sebastian Siemiatkowski. Klarna AB is licensed by Finansinspektionen (the Swedish financial services regulator) as a credit institution to provide financial services. Klarna's imprint and further information can be found under
Klarna Germany .