The Positive Planner

PAY LATER (IN 30 DAYS)

Who is Klarna? Klarna is a Swedish payment service
provider that takes end-to-end responsibility for your payment. Klarna
is the provider of Smoooth payments to more than 100,000 online stores.
Over 60 million consumers worldwide have trusted Klarna to securely
handle their payments.

How does Pay later work? Once your order's
confirmed, you'll receive an email with payment instructions within two
days from Klarna. You'll then have 30 days to try receive your order,
try it out and you only pay when you’re happy. Complete the payment
online, at your convenience, with no extra cost. You can pay via credit
or debit card at https://www.klarna.com/uk/

Am I eligible for Pay later? To use Pay later you
must be at least 18. Whilst this option is widely promoted, Pay later is
subject to your financial circumstances. When choosing Pay later, our
assessment will not affect your credit rating.

How can I increase my chances of being accepted for Pay later?
Klarna is unique and offers Pay later 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 by ensuring you provide your full name and accurate address
details and shipping to your registered billing address. All orders are
assessed individually. Just because you have had Pay later before does
not mean it will be offered for every order and in turn, as it is denied
does not mean it will be denied for all future orders.

Will a credit search take place against me? Klarna
may run so-called unrecorded enquiries (this is commonly referred to as a
soft credit search) that do not affect credit scoring and are only
visible to you and Klarna, but not visible to other lenders.

What are my payment options with Klarna? You can pay
with debit or credit card immediately in the checkout or take advantage
of our pay later payment option, where you can pay for the goods once
you have received them via credit card or debit card.

What happens if I cancel or return my order? As soon Poppie Snow processes cancellation/return, then Klarna will cancel the statement or refund your payment.

What happens if I don’t pay for my order? Payment is
due 30 days after the item is shipped. To help you pay on time, we'll
alert you two days before payment is due – you'll receive email
reminders to pay – and, if very late, we’ll also send you a text or
letter, too. If you fail to pay Klarna for your order, your credit score
will be affected.

I have been asked to go to Klarna's site. Is this correct?
If you have chosen to Pay later, Klarna will send you an email with
further details on how to pay. Your email will contain a link to Klarna
where you can settle your payment with your credit or debit card.

What do I need to provide when I make a purchase? If
you want to make a purchase with Klarna you need to provide your name,
address and email address. For some orders you may need to provide your
mobile number or date of birth, too. All information will be sent to
your email address, including payment reminders and links to your online
statements. It's very important, that you give us the correct details,
as otherwise you will not receive the payment information.

Is my payment information safe? Payment information
is processed securely by Klarna. No card details are transferred to or
held by Poppie Snow. All transactions take place via connections secured
with the latest industry standard security protocols.

Can I pay before the due date? You can pay for your
order at any point after you receive the email from Klarna with the
details of your payment on. Just follow the instructions on this email
to pay for your order.

Have you received my payment? If you pay by card,
Poppie Snow will confirm your order right away. If paying by Pay later,
Klarna will send you a payment confirmation to the email address that
you have used for your order. If you have made a payment but not
received the payment confirmation, you can always check the status of
your order and payments by logging in at www.klarna.com.

I've received a statement, but I've not yet received my goods. You
have 30 days to pay, so you don’t need to pay right away. If your due
date is near and there is no sign of your goods, please call Poppie Snow
to check on delivery. You can also contact Klarna’s Customer Service so
that we can postpone the due date on your payment.

I have cancelled my order. How long will it take until I receive my refund? As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.

I have asked for a refund. How will I be refunded?
If you have paid for your order with card, the refund will be made back
to the same card. If you have not paid the statement yet, then the
refund will reduce the statement or cancel it completely.

I haven’t received an email with my statement/payment information.
If you do not have your statement number to hand you can log in at
www.klarna.com/uk, where you will find all of your orders and be able to
make payments.

I still have questions regarding payment, how can I get in touch? Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.