Klarna – Pay Later Specific Terms

1. The Merchant explicitly agrees that by accepting these Terms of Use it enables Klarna’s acquisition of Claims (as defined in the Klarna Services Scheme Rules). The usage of the Klarna Payment Method is thus governed both by the pricing and any other agreement made between the Merchant and MONEXT, as applicable, as well as by the current Klarna Services Scheme Rules in relation to the agreement between the Merchant, as appropriate, and Klarna. Acceptance of the Merchant as a user of the Klarna Payment Method is subject at all times to the acceptance of Merchant by Klarna, which Klarna may refuse at its sole discretion.
   
   The Klarna Services Scheme Rules can be found at:
   
   
   1. Enterprise: https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_reseller/en_gb/kp
   2. SME: https://cdn.klarna.com/1.0/shared/content/legal/terms/ppro_mor/en_gb/kp
      
      
2. Prohibited goods in addition to those prohibited goods and services listed in Terms of use, section 11.k:
   
   
   1. Marketing, distribution or other handling of prohibited products or services; illegal business methods, practices, products or services; unlawful use of workforce, including tax evasion.
   2. Practices and methods abusing trading for VAT fraud, tax evasion; pyramid type schemes for marketing, distribution and sales.
   3. Practices misleading or deceives consumers or discarding or avoiding consumer protection laws; negative response marketing.
   4. Gambling, betting or lotteries financed through credit provided by Klarna or otherwise provided without appropriate licenses as required by law.
   5. Products or services, which is intended to cause danger, injury or suffering to humans or animals; delivery methods that may cause suffering to animals.
   6. prostitution and escort services; the sale of a product or service, including images, which is patently offensive and lacks serious artistic value (such as, without limitation, images of non-consensual sexual behaviour, sexual exploitation of a minor, non-consensual mutilation of a person or body part, and bestiality).
   7. financial services financed through credit provided by Klarna, or otherwise provided without appropriate licenses as required by law; products and services provided without appropriate licenses.
      
      
3. Restricted goods:
   
   
   1. aggressive marketing; business practices which may cause reputational harm; out and inbound telemarketing; door-to-door sales; possession or association with sites, products or services which are contrary to Klarna’s ethical standards.
   2. tobacco products or substitutes thereof; electronic cigarettes (including e-liquid); alcohol products; weapons or armaments, including replicas, soft air guns, knives etc.; cyber lockers (e.g. file sharing, file hosting, file storage) hosting or encouraging unethical or unauthorized content; digital downloads (e.g. film and music download/streaming) providing or hosting unethical or unauthorized content; adult, sexual or pornographic products and services, including live web cam; nutraceuticals; dual use products, which may have a legitimate use, but also an illegitimate use; self-diagnosis test for diseases.
   3. financial products or services, such as investment services, financial advice, money services incl. money transfer, currency exchange, virtual, digital or crypto currencies (e.g. Bitcoin), binary options; political organizations, parties or initiatives.