TERMS OF SERVICE

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OVERVIEW

This website is operated by forevergreenIT. Throughout the site, the terms “we”, “us” and “our” refer to forevergreenIT. forevergreenIT offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

SECTION 1 - ONLINE STORE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

SECTION 5 - PRODUCTS OR SERVICES (if applicable)

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.
We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor's display of any color will be accurate.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Returns Policy.

SECTION 7 - OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

SECTION 8 - THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 10 - PERSONAL INFORMATION

Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy.

SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 12 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall forevergreenIT, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless forevergreenIT and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 15 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 - TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 17 - ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 18 - GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of England

Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable, whether in contract or tort (including negligence, economic tort, or otherwise), or by operation of law, or by way of any indemnity obligation arising under the contract, or howsoever arising. This includes incidental, special, economic, indirect, or consequential loss and/or damage of whatever nature. Such damages may include, but are not limited to, loss of use or availability of goods, equipment, or systems; loss of production; downtime costs; loss of contract; loss of business opportunity; loss of profits (including overheads and fixed costs); and/or loss of revenue. This applies to damages arising out of or in connection with the performance of the Company’s obligations under the contract, and/or the performance, adequacy, and/or suitability of the goods and/or service supplied. Any such damages shall be reasonably foreseeable at the date of the contract.

To the fullest extent permitted by applicable law and regardless of any provision to the contrary contained elsewhere in the contract, the Company’s total cumulative liability to the purchaser arising from the contract for any acts or omissions shall be limited. This limitation includes acts or omissions in contract and/or in tort (including negligence, economic tort, or otherwise), and/or by operation of law, and/or by way of any indemnity obligation arising under the contract, or howsoever arising. In all cases, this liability shall not exceed either the contract price or £250,000 (two hundred and fifty thousand pounds), whichever is the lesser. In cases where the Purchaser’s claim is recoverable under the Company’s insurance, the aggregate of the sum specified in (b)(i) plus the sums recovered under the Company’s insurance shall be the limit.

In case of any ambiguity or discrepancy between the provisions of this clause and any other clause in the contract, this clause shall take precedence. Nothing in this clause is intended to, or shall be construed as, limiting and/or excluding the Company’s liability for personal injury and/or death arising out of negligence; liability for fraud or fraudulent misrepresentation; and/or any other liability which cannot be limited or excluded by applicable law.

Patents

All reasonable care is taken to ensure that the use of the goods in the normal course does not infringe any patent or other intellectual property right of third parties. The Purchaser will indemnify the Company in the event of an infringement or alleged infringement of any patent or other intellectual property right by the Company acting in accordance with instructions, designs, or specifications supplied wholly or in part by the Purchaser.

Warranties & Representations

Any warranties and guarantees provided by the Company to the Purchaser are expressly included herein and in the Company’s Warranty Policy. No additional warranties, guarantees, or representations shall be implied into the contract and are expressly and intentionally excluded to the fullest extent permitted under applicable law. The Purchaser acknowledges and agrees that, in entering into a contract with the Company, it does not rely on, and shall have no remedy in respect of, any statement, representation, warranty, or understanding made by any person, whether a party to the contract or not, other than as expressly set out herein and in the Company’s quotation. Nothing herein shall exclude or limit the Company’s liability for fraudulent misrepresentations or fundamental misrepresentation.

Law

These Terms & Conditions, and the relationship between the Purchaser and the Company, whether contractual or otherwise, shall be governed by, and construed in accordance with, English law.

Any disputes concerning these Terms & Conditions, the relationship between the Purchaser and the Company, or any matters arising therefrom or associated therewith, whether contractual or otherwise, shall be subject to the exclusive jurisdiction of the courts of England and Wale

SECTION 19 - CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 20 - CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at info@foreverfly.co.uk

This page applies only to the following regions: Sweden, Norway, Finland, Denmark, Germany, Netherlands, Austria, Switzerland, United Kingdom

When adding Klarna Payments to your site, you need to consider

  • Data protection and data sharing aspects
  • T&C information

Please seek legal advice to ensure compliance with applicable regulations.

Customer Data Sharing

National and EU rules such as the GDPR sets certain limits to how and when you may share customer-identifying information with Klarna.

If you share personal data with Klarna you need to explain this in your privacy notice and link to Klarna’s privacy notice there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):

Draft privacy notice text (all markets except Switzerland)

“In order to offer you Klarna’s payment methods, we might in the checkout pass your personal data in the form of contact and order details to Klarna, in order for Klarna to assess whether you qualify for their payment methods and to tailor those payment methods for you. Your personal data transferred is processed in line with Klarna’s own privacy notice.”

Draft privacy notice text (Switzerland only)

In Switzerland, Klarna offers its services together with its subsidiary Billpay. If you share personal data with Klarna and Billpay you need to explain this in your privacy notice and link to Klarna’s and Billpay’s local privacy notices there. Below is an example of what that could look like in your existing privacy notice (the specific data categories transferred to be added, and text to be translated into your local language):

Billpay’s/Klarna’s payment options: In order to be able to offer you Klarna’s payment options and to assess whether you qualify for their payment options and to tailor the payment options for you, we might in the checkout pass your personal data in the form of contact and order details to Klarna and Billpay. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna’s (de, fr, it or en versions) and Billpay’s (de, fr, it or en versions) privacy notices.

Terms and conditions

Ensure that your terms and conditions reflect your cooperation with Klarna, and that you comply with applicable laws.

Presentation considerations (SE)

Så påverkas du av den nya kreditlagen

Sveriges riksdag har tidigare i år beslutat om en ny kreditlag. Den innebär i korthet att om det finns både ett kredit- och ett direktbetalningsalternativ i kassan så får inte kreditalternativet visas först eller redan vara ifyllt. Lagen träder i kraft den första juli 2020.

Här är vad du behöver veta om du har följande betalnings- och kassalternativ:

Klarna Checkout (KCO): Du behöver inte vidta några åtgärder.

Klarna kommer att hantera förändringen och se till att ett direktbetalningsalternativ visas först om ett sådant finns.

Klarna Payments (KP) utan något direktbetalningsalternativ. Du behöver inte vidta några åtgärder.

Du måste bara se till att ett direktbetalningsalternativ är det första alternativet om du erbjuder det som betalningsmetod.

Klarna Payment (KP) med ett direktbetalningsalternativ: Du måste vidta åtgärder.

Som e-handlare med Klarna Payment (KP) har du kontroll över ordningen på betalningsmetoderna som du har i din kassa och kommer därför att behöva vidta åtgärder för att följa den nya lagen.

Fortsätt läsa för mer information om hur KCO kommer att presenteras och vilka åtgärder vi rekommenderar för dig som har KP med direktbetalningsalternativ.

Vad den nya lagen innebär

Den nya kreditlagen som Sveriges riksdag har antagit (Regeringens proposition) kommer att träda i kraft den första juli 2020 och kommer endast att tillämpas i Sverige. Lagen ställer krav på hur olika betalningsmetoder presenteras i kassan, och den tvingar e-handlare att visa ett direktbetalningsalternativ före kreditalternativ, om båda alternativen finns tillgängliga i kassan.

Skyldigheterna i den nya lagen gäller alla parter som presenterar eller behandlar betalningsmetoder. Detta inkluderar: e-handlare, partners och betalningstjänstleverantörer (PSP) såsom banker. För att kunna navigera i ändringarna har vi skapat riktlinjer för att hjälpa våra e-handlare och partners att anpassa sig så att de nya lagliga kraven uppfylls.

Hur betalmetoder måste sorteras om du har direktbetalningsalternativHur betalmetoder måste sorteras om du har direktbetalningsalternativ

Hur betalmetoder måste sorteras om du inte har direktbetalningsalternativHur betalmetoder måste sorteras om du inte har direktbetalningsalternativ

Vad innebär det här för mig som handlare?

Exakt hur du påverkas beror på vilka betalningsmetoder som du erbjuder och vilken kassalösning som du har valt. Den nya lagen kräver inte att en handlare måste erbjuda ett direktbetalningsalternativ, utan styr hur betalningsalternativen presenteras i kassan.

Nedan finns en översikt över Klarna betalningsmetoder, och hur de kategoriseras i termer av kredit- eller direktbetalningsalternativ.

Kategori Klarnas betalningsmetod Kredit- eller direktbetalning? Kan jag presentera det först om direktbetalningsalternativ finns?
Direktbetalning Direktbetalning Direktbetalning Ja
Direktbetalning Banköverföring Direktbetalning Ja
Direktbetalning Kort Kreditbetalning Nej
Få först, betala sen 14 dagarsfaktura Kreditbetalning Nej
Få först, betala sen Månadsfaktura Kreditbetalning Nej
Dela upp Klarna konto Kreditbetalning Nej
Dela upp Betala månadsvis i X månader Kreditbetalning Nej

Vad behöver jag förbereda?

Handlare med Klarna Checkout (KCO v2 & v3)

Ingen åtgärd behövs. Klarna kommer att uppdatera den nuvarande KCO-lösningen för den svenska marknaden och säkerställa att de nya lagkraven följs. Ni kommer att märka att direktbetalningsalternativ, såsom Direktbetalning (när tillgängligt), kommer att presenteras som det första betalningsalternativet i din kassa.

Handlare med Klarna Payments (KP)

Om ni erbjuder Klarna Payments i er kassa så kan inte Klarna kontrollera i vilken ordning betalningsalterntiven presenteras. Det innebär att det är den enskilda handlaren som är ensam ansvarig för att se till att er kassa är kompatibel och följer den nya lagstiftningen innan den träder i kraft (1 juli 2020).

Om ni har Klarna Payments (KP) och flertalet betalningsmetoder via Klarna inom samma modul så kommer Klarna att sortera dessa. Om det finns ett direktbetalningsalternativ så kommer det att presenteras först. Kreditalternativ som inkluderar ränta kommer alltid att att presenteras sist om det finns andra val tillgängliga. Om flera betalningssätt med Klarna är placerade i olika moduler kan Klarna ej kontrollera i vilken ordning de presenteras.

Klarna kommer att sluta stödja Klarna betalningsmetoder (KPM) från och med september 2020. Åtgärd rekommenderas.

Klarna kommer inte längre att stödja KPM från och med september 2020. För att få automatiska uppdateringar (inklusive juridisk efterlevnad) rekommenderar vi att alla handlare migrerar till Klarna Checkout (KCO) eller Klarna Payments (KP). Med KCO kommer Klarna att hantera sorteringen av betalningsmetoder åt dig. För att migrera till KCO kan du använda självbetjäningsflödet som finns tillgängligt i portalen för handlare (länk). Prata gärna med din kontakt på Klarna för att få mer information om priser och hur du flyttar över till Klarna Checkout eller Klarna Payments.

English

New credit legislation - How you will be impacted

New legislation has been adopted by the Swedish Parliament stating that if both credit and debit payment options are offered by a merchant, the debit option(s) must be presented before the credit option(s) in the checkout. This law takes effect 1 July 2020.

Here’s what you need to know if you have the following payment & checkout options:

 

Klarna Checkout (KCO): No action required.

Klarna will take care of all the logic to ensure debit payment options are shown first.

Klarna Payments (KP) with no debit options: No action required.

You are only required to make sure a debit option is placed as the first option if you offer it as a payment method.

Klarna Payment (KP) with debit options: Action required.

As a merchant, you are in control of the order in which payment methods are organized inside your checkout and will need to take steps to comply with the new law.

Continue reading for more details on how KCO will be presented, and what actions we recommend if you have KP with debit options.

What the new law means

New legislation (Regeringens proposition) adopted by the Swedish Parliament will take effect on 1 July 2020, and will only be applicable to Sweden. The law sets requirements on the presentation of payment methods in online checkouts, enforcing debit payment options to be displayed before any credit payment options, if both are available.

Obligations in the new regulation apply to any parties who present or process payment methods. This includes: merchants, partners, and Payment Service Providers (PSP) like banks. To navigate the new changes, we’ve published guidelines, to help our merchants and partners to ensure compliance with the legal requirements.

How checkout payment methods must be organized/displayed if you offer debit payment options as of 1 July, 2020How checkout payment methods must be organized/displayed if you offer debit payment options as of 1 July, 2020

How checkout payment methods must be organized if you do not offer a debit option as of 1 July, 2020How checkout payment methods must be organized if you do not offer a debit option as of 1 July, 2020

What does this mean for me as a merchant?

The impact for you as a merchant will depend on what payment methods you offer and what checkout solution you use. The new legislation does not require merchants to provide debit payment methods, but does regulate how to present them in an online checkout if you do.

Below is an overview of Klarna payment methods, and how each categorizes in terms of credit or debit options.

Category Klarna Payment method Credit or debit? Can be presented first if other debit options exist?
Pay now Direct debit Debit Yes
Pay now Bank transfer Debit Yes
Pay now Card Credit No
Pay later 14-day invoice Credit No
Pay later Monthly invoice Credit No
Financing Klarna account Credit No
Financing Pay monthly over X months Credit No

What do I need to do to be prepared?

Merchants with Klarna Checkout (KCO v2 & v3)

No action needed. Klarna will update the current KCO solution for the Swedish market to make sure that the new legal requirements are followed. You will notice that debit payment methods such as Direct Debit, (when available), will be presented as the first option in your checkout.

Merchants with Klarna Payments (KP)

If you offer Klarna Payments in your checkout, Klarna cannot control the order or logic in which the payment methods are presented. Therefore, as a merchant you are solely responsible to ensure your checkout is compliant and lawful according to the new legislation before it enters into force (1 July 2020).

If you have Klarna Payments (KP) and multiple Klarna payment methods within the same widget then we will manage the logic of sorting these. If a debit payment option exists then that will be displayed first. Credit payment methods that include interest rate will always be displayed as the last option if others exist. If the multiple Klarna payment methods are placed in different widgets then we cannot control in what order they will be sorted.

Klarna will discontinue support of Klarna Payment Methods (KPM) as of September 2020. Action recommended.

Klarna will no longer be supporting KPM as of September 2020. For automatic updates (including legal compliance), we recommend all merchants move to Klarna Checkout (KCO) or Klarna Payments (KP). With KCO, Klarna will handle the sorting of payment methods for you. To migrate to KCO, you can use the self service flow that is available in the merchants portal (link). Please reach out to your Klarna account manager to get more information about pricing and how to transfer to Klarna Checkout or Klarna Payments.



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