Purchase on account and payment in installments

Payment by invoice and financing
In cooperation with Klarna AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you Purchase on account and installment purchase as payment options. Please note that purchase on account and installment purchase are only available for consumers and that payment must be made to Klarna.

When purchasing on account with Klarna, you always receive the goods first and you always have a payment period of 14 days. You can find the complete terms and conditions for purchasing on account here. The online shop charges a fee of 0.00 euros per order when purchasing on account with Klarna.

Instalment purchase
With Klarna's financing service, you can flexibly make your purchase in monthly installments of at least 1/24 of the total amount (but at least €6.95) or under the conditions otherwise stated in the checkout pay. Further information about installment purchase including the general terms and conditions and the European standard information for consumer credit can be found here.

Data protection notice
Klarna checks and evaluates your data and, if there is a legitimate interest and reason, exchanges data with other companies and credit reporting agencies.Your personal information will be treated in accordance with the applicable data protection regulations and in accordance with the information in Klarna's data protection regulations.

Credit check by Klarna
If you have chosen Klarna's payment services Klarna invoice and Klarna installment purchase as a payment option, you have consented to us carrying out the payments necessary to process the purchase on account and an identity and creditworthiness check , the following personal data such as first and last name, address, date of birth, gender, email address, IP address, telephone number as well as the data necessary for processing the purchase on account that is related to the order, such as the number of items, item number, Invoice amount and taxes in percent, collected and sent to Klarna. This data is transmitted so that Klarna can create an invoice and carry out an identity and creditworthiness check to process your purchase using the invoice processing you require. In accordance with the Federal Data Protection Act, Klarna has a legitimate interest in transmitting the buyer's personal data and needs this in order to obtain information from credit agencies for the purpose of identity and creditworthiness checks. In Germany these can be the following credit reporting agencies:

- Schufa Holding AG, Kormoranweg 5, 65203 Wiesbaden
- Bürgel Wirtschaftsinformation GmbH and Co. KG, Gasstraße 18, 22761 Hamburg
- Creditreform Bremen Seddig KG, Contrescarpe 17, 28203 Bremen
- infoscore Consumer Data GmbH, Rheinstraße 99, 76532 Baden-Baden
As part of the decision on the justification, implementation or Upon termination of the contractual relationship, Klarna collects and uses, in addition to an address check, information about the buyer's previous payment behavior as well as probability values ​​for this behavior in the future. The calculation of these score values ​​by Klarna is carried out on the basis of a scientifically recognized mathematical-statistical procedure. For this purpose, Klarna will also use, among other things, your address data. If after this calculation it turns out that your creditworthiness is not met, Klarna will inform you immediately.

Revocation of the use of personal data towards Klarna:
1.You can revoke your consent to Klarna’s use of your personal data at any time. However, Klarna may continue to be entitled to process, use and transmit personal data if this is necessary for contractual payment processing through Klarna's services, is legally required, or is required by a court or authority.
2. Of course, you can obtain information about the personal data stored by Klarna at any time. This right is guaranteed by the Federal Data Protection Act. If you as a buyer wish this or would like to notify Klarna of changes to the stored data, you can contact datenschutz@klarna.de wenden.

Our payment partners offer you comprehensive buyer protection. What this means for you: No fees and a full guarantee. Your data will be transmitted encrypted using SSL. Thanks to this high security standard, your purchase from RAVE Clothing is absolutely safe.