WHO IS KLARNA?

Klarna is a Swedish payment service provider that takes responsibility for user payments. Klarna is the simplified payments provider for over

200,000 online shops. To date, more than 85 million customers worldwide have trusted Klarna with their payments.

HOW DOES THE "PAY IN 3 INSTALLMENTS WITHOUT INTEREST" OPTION WORK?

"Pay in 3 installments without interest" allows you to spread the cost of your purchase over 3 equal payments. Payments for each installment will be automatically charged to the

debit or credit card indicated at the time of payment. The first installment will be charged when the order is confirmed by [Le Solferine] and the second and third installments will be 30

and 60 days later, respectively. You can always track your payment schedule in the Klarna app.

WHO HAS THE RIGHT TO THE "PAY IN 3 INSTALLMENTS WITHOUT INTEREST" OPTION?

To use the "Pay in 3 installments without interest" option, you must be at least 18 years old. Although the option "Pay in 3 installments without interest" is widely advertised,

is subject to your financial circumstances. By choosing to take advantage of the "Pay in 3 installments without interest" option, our analysis will not affect the credit rating

of the user.

HOW CAN THE CHANCES OF BEING ACCEPTED FOR THE "PAY IN 3 INSTALLMENTS WITHOUT INTEREST" OPTION BE INCREASED?

Klarna is unique and offers the option “Pay in 3 interest-free installments” based on a number of factors such as order value, order history and item availability. Self

If you are over 18, you can increase your chances of using the “Pay in 3 Interest-Free Installments” option by making sure you provide your full name and an address

accurate, and to use your registered billing address for shipping. All orders are reviewed individually. Just because the user has used

of the “Pay in 3 interest-free installments” option previously does not mean that he will be offered to use it for each order; and, if the option

has been denied previously, does not mean it will be denied for all future orders.

WHAT SHOULD THE USER PROVIDE WHEN MAKING A PURCHASE?

If you wish to make a purchase with Klarna using the "Pay in 3 installments interest-free" option, you will need to provide your telephone number, email address, current billing address and credit card number. debit or credit. The mobile phone number is required in case we need to contact you. All communications will be sent by email. It is very important that you provide us with the correct details, otherwise the payment schedule and any order updates may not arrive.

WILL A CREDIT SEEK BE MADE AGAINST THE USER?

Klarna can carry out so-called undocumented inquiries (or soft credit searches) which have no effect on your credit score and are only visible to you and Klarna, but are not visible to other lenders. Neither Klarna nor [Le Solferine] carry out credit searches against you which could affect your credit score

WHY IS THE "PAY IN 3 INSTALLMENTS WITHOUT INTEREST" OPTION NOT ACCESSIBLE TO EVERYONE?

Although the "Pay in 3 installments without interest" option is widely advertised, it is not always available to everyone. The "Pay in 3 installments without interest" option is automatically generated by algorithms that depend on a number of factors including address, cardholder details, order total, online shop, history of previous orders and the availability of the item.

WHAT PAYMENT OPTIONS ARE AVAILABLE WITH KLARNA?

Payments for the installments of the "Pay in 3 installments without interest" option will be automatically charged to the debit or credit card indicated at the time of payment. The first payment will be charged when the order is confirmed. The second and third installments will be charged respectively 30 and 60 days after the first installment. You can always monitor your payment schedule in the Klarna app.

WHAT HAPPENS IF YOU CANCEL OR RETURN YOUR ORDER?

As soon as [Le Solferine] accepts the cancellation or return, Klarna will cancel any future scheduled payments and refund any amount due. The return will be immediately visible in the Klarna app.

WHAT IF I DON'T PAY FOR THE ORDER?

Klarna will try to charge the payment for the installments of "Pay in 3 installments without interest" at [Le solferine] to the debit or credit card indicated at the time of payment.

If it is not possible to debit the payment on the due date, Klarna will make a second attempt to debit the payment automatically two days later.

Should this attempt fail, Klarna will issue a statement for the full outstanding amount which will become payable 15 days later. Klarna will let you know when your payment is due two days before attempting to collect it, and you can always monitor the due date in the Klarna app. If you do not pay on time using the "Pay in 3 installments without interest" option, your credit score will not be impacted.

THE USER HAS BEEN ASKED TO GO TO THE KLARNA SITE. IT'S CORRECT?

You can view all of your Klarna purchases and payment schedule in the Klarna app or by logging into Klarna.com/uk.

ARE YOUR PAYMENT INFORMATION SECURE?

Your payment details are processed by Klarna securely. No card data is transferred or retained by [Le Solferine]. All transactions take place over connections secured by the latest industry security protocols.

IS IT POSSIBLE TO PAY BEFORE THE DEADLINE?

Yes. Simply go to the Klarna app or log into the Klarna.com/uk website and pay in advance.

THE PAYMENT HAS BEEN SUCCESSFUL?

Klarna will send an email notification and a push notification from the Klarna app when a payment is due and has been successfully cashed, or in the unlikely event that the payment has failed. If a payment has been made but no payment confirmation has arrived, you can always check your order and payment status in the Klarna app or by logging into www.klarna.com/uk

WHAT HAPPENS TO YOUR ACCOUNT STATEMENT AFTER I RETURN GOODS?

Once [Le Solferine] has received your return (partial or full) and you have received acknowledgment of receipt, Klarna will send you a statement with an updated payment schedule in the event of a partial return. Upon a full return of goods, we will refund all cashed payments and cancel all future scheduled payments. You will always be able to track the status of your order in the Klarna app.

THE USER HAS RECEIVED THE ACCOUNT STATEMENT BUT HAS NOT YET RECEIVED THE GOODS.

In the event that the goods have not yet been received, call [Le Solferine] to check the status of the order and its delivery. You can also contact Klarna Customer Service so we can postpone the due date for your payment or put your order on hold in the Klarna app pending delivery.

THE USER HAS CANCELLED HIS ORDER. HOW LONG WILL IT TAKE BEFORE I RECEIVE THE REFUND?

As soon as the shop has registered the cancellation or return, the refund will be processed within 5-7 working days.

THE USER HAS REQUESTED A REFUND, HOW WILL IT BE MADE?

Refunds will be made to the debit or credit card that was originally given at checkout.

YOU HAVE NOT RECEIVED ANY EMAIL RELATING TO YOUR ACCOUNT STATEMENT OR PAYMENT INFORMATION.

You can log into the Klarna app or the website www.klarna.com/uk , where you will find all your order and scheduled payment information.

HOW CAN I CONTACT KLARNA FOR FURTHER DOUBTS ABOUT PAYMENTS?

See the Klarna app or Klarna Customer Service page for a complete list of frequently asked questions, contact numbers and live chat.