klarna

Part 1 : How It Works

Shop now. Pay later with Klarna.
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout.

Here’s how it works:
Step 1
Add products to your cart and select “Klarna” when you check out
Step 2
Enter a few personal details and you’ll know instantly if you’re approved
Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay and
you can manage your orders and payments in the Klarna app.

Part 2 : Payments Information

Pay in 3 interest-free instalments
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically
every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a
credit reference agency. This will not affect your credit score.

No interest. No fees. No impact to your credit score.

  •  A new way to pay that’s an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  •  Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort.

You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions -> ( link )

Part 3: About Klarna

Pay online or in the app
Review your latest purchases and make payments in the Klarna app or
online.
● Download the Klarna app: https://www.klarna.com/app
● Log in online: https://app.klarna.com/login .
● Chat with customer service: https:// www.klarna.com/uk/customer-service/

Safe and secure
With Klarna, you are always covered through Klarna’s Buyer Protection
policy . Modern safeguards protect your information to prevent
unauthorized purchases.

Frequently asked questions
Visit our FAQ ( https://www.klarna.com/uk/customer-service/ ) page to
find out more about using Klarna.

About Klarna
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth checkout options give you more time and control so you can focus on the things you love.

● More than 90 million shoppers are using Klarna.
● 200,000 retailers are working with us worldwide.
● We’re one Europe’s largest banks and we’ve been powering online checkouts for over 15 years.

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your
monthly repayments on time.


Fair Spark Books Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only
available to permanent UK residents aged 18 and over, depending on their status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.

Part 4: FAQ

Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth
payments to more than 200,000 online stores. Over 90 million consumers worldwide have trusted Klarna to securely handle their
payments

Pay later in 3 interest-free instalments is a form of credit which allows you to spread the cost of your purchase over 3 equal payments.
The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first
instalment will be collected when your order is confirmed by Fair Spark Books Ltd and instalments 2 and 3 are scheduled 30 and 60 days
later, respectively. You can always monitor your payments’ schedule in the Klarna app .

To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free
instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not
affect your credit rating.

Klarna is unique and offers Pay later in 3 interest-free instalments based on a number of factors such as the order value, previous
order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 interest-free
instalments by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address.
All orders are assessed individually. Just because you have been accepted for Pay later in 3 interest-free instalments before does not
mean it will be offered for every order. In turn, if your application for Pay later in 3 interest-free instalments is denied, it does not mean
it will be denied for future orders.

If you want to make a purchase with Klarna using Pay later in 3 interest-free instalments, you’ll need to provide your mobile phone
number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you.
All communications will be sent to your email address. It’s very important that you give us the correct details, as otherwise you will not
receive your payment schedule and any updated order information.

Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Fair Spark Books Ltd run credit searches against you that could impact your
credit rating.

Although Pay later in 3 interest-free instalments is widely promoted it is not always universally available. The Pay later in 3 interest-free
instalments payment option is automatically generated by algorithms that are dependent upon a number of factors including address
details, cardholder details, amount of order, the online store, previous order history and item availability.

Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at
checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days,
respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.

As soon as Fair Spark Books Ltd have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund
any amounts due. The return will be reflected in the Klarna app immediately.

Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Fair Spark Books Ltd from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will
make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a
statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is
due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your
convenience.

You will not be charged fees or interest for late and/or missed repayment(s). Your credit score will not be impacted by using Klarna’s
‘Pay later in 3 instalments’ product even if you have failed to pay on time. If you fail to make a payment you will be in default, and may
be unable to use Klarna in the future. We may continue to attempt to collect overdue and currently due payments on subsequent due
dates, or invoice you separately for the unpaid total. If you do not pay for your purchase, Klarna may engage with an external debt
collection agency to collect on our behalf. Debt collection agencies are used as a last resort.

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

Payment information is processed securely by Klarna. No card details are transferred to or held by Fair Spark Books Ltd . All transactions take
place via connections secured with the latest industry standard security protocols.

Yes. Just go to the Klarna app or log onto Klarna.com/uk and pay off early.

Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been
collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment
confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk .

Once Fair Spark Books Ltd has received the return (partial or full) and you have received their confirmation of this, an updated statement with
an adjusted payment schedule will be sent to you by Klarna if you’ve made a partial return. With a full return, we shall refund any
payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna
app.

In the event that your goods have not been received please contact Fair Spark Books Ltd to check on your order and delivery status. You can also
contact Klarna’s Customer Service so that we can postpone the due date on your payment or put the order on hold in the Klarna app
while you wait for the goods to arrive.

As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
I

You can log in the Klarna app or at www.klarna.com/uk, where you will find all of your orders and payment schedule information.

Visit Klarna app Klarna’s Customer Service page for a full list of FAQs, live chat and telephone options.

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