# Source: https://docs.klarna.com/resources/marketing-tools/partner-marketing-legal-guidelines/rest-of-the-world.md

# Partner marketing legal guidelines - Rest of the world

## Partner marketing guidelines for additional markets: keep Klarna messaging simple, clear and fair; avoid debt-encouraging language; ensure socially responsible ads.

​​​**Keep it simple.** Don’t lose a customer because the payment instructions were too complicated, but do make it clear what you are offering.

**Stand out for the right reason.** Highlight the payment option you offer, but be sure to be clear, fair and not misleading.

**Be sensitive to the situation.** Consider what is going with your customers and in the wider market as a whole. Use this knowledge to decide how you promote and market Klarna in all your channels. One message does not fit all circumstances.

**Don't encourage debt.** Do not encourage shoppers to spend outside of their means. Using phrases such as *‘strapped for cash?’*, *‘don’t wait until payday’* or *‘broke AF’* are unacceptable and irresponsible. You have an obligation to ensure your customers stay financially healthy.

**﻿Make sure your ads are socially responsible to consumers and society.** Offers or benefits should not be linked to credit marketing which are likely to make the credit offer attractive.

| Market | T&C |
|----|----|
| **Austria** | [[https://www.klarna.com/at/agb/](https://www.klarna.com/at/agb/)](https://www.klarna.com/at/agb/) |
| **Belgium** | [[https://www.klarna.com/be/voorwaarden/](https://www.klarna.com/be/voorwaarden/)](https://www.klarna.com/be/voorwaarden/) |
| **Czech Republic** | [[https://www.klarna.com/cz/obchodni-podminky/](https://www.klarna.com/cz/obchodni-podminky/)](https://www.klarna.com/cz/obchodni-podminky/) |
| **Denmark** | [[https://www.klarna.com/dk/vilkar/](https://www.klarna.com/dk/vilkar/)](https://www.klarna.com/dk/vilkar/) |
| **Finland** | [[https://www.klarna.com/fi/ehdot/](https://www.klarna.com/fi/ehdot/)](https://www.klarna.com/fi/ehdot/) |
| **France** | [[https://www.klarna.com/fr/legal/](https://www.klarna.com/fr/legal/)](https://www.klarna.com/fr/legal/) |
| **Germany** | [[https://www.klarna.com/de/agb/](https://www.klarna.com/de/agb/)](https://www.klarna.com/de/agb/) |
| **Greece** | [[https://www.klarna.com/gr/oroi-kai-proypotheseis/](https://www.klarna.com/gr/oroi-kai-proypotheseis/)](https://www.klarna.com/gr/oroi-kai-proypotheseis/) |
| **Hungary** | [[https://www.klarna.com/hu/jogi-informaciok/](https://www.klarna.com/hu/jogi-informaciok/)](https://www.klarna.com/hu/jogi-informaciok/) |
| **Italy** | [[https://www.klarna.com/it/legal/](https://www.klarna.com/it/legal/)](https://www.klarna.com/it/legal/) |
| **Mexico** | [[https://www.klarna.com/mx/terminos-y-condiciones/](https://www.klarna.com/mx/terminos-y-condiciones/)](https://www.klarna.com/mx/terminos-y-condiciones/) |
| **Netherlands** | [[https://www.klarna.com/nl/voorwaarden/](https://www.klarna.com/nl/voorwaarden/)](https://www.klarna.com/nl/voorwaarden/) |
| **Norway** | [[https://www.klarna.com/no/vilkar/](https://www.klarna.com/no/vilkar/)](https://www.klarna.com/no/vilkar/) |
| **Poland** | [[https://www.klarna.com/pl/zasady-i-warunki/](https://www.klarna.com/pl/zasady-i-warunki/)](https://www.klarna.com/pl/zasady-i-warunki/) |
| **Portugal** | [[https://www.klarna.com/pt/termos-e-condicoes/](https://www.klarna.com/pt/termos-e-condicoes/)](https://www.klarna.com/pt/termos-e-condicoes/) |
| **Romania** | [[https://www.klarna.com/ro/aspecte-juridice/](https://www.klarna.com/ro/aspecte-juridice/)](https://www.klarna.com/ro/aspecte-juridice/) |
| **Sweden** | [[https://www.klarna.com/se/villkor/](https://www.klarna.com/se/villkor/)](https://www.klarna.com/se/villkor/) |
| **Switzerland** | [[https://www.klarna.com/en-ch/terms-of-use/](https://www.klarna.com/en-ch/terms-of-use/)](https://www.klarna.com/en-ch/terms-of-use/) |

For pre-approved marketing assets, please see our [Online assets](https://docs.klarna.com/resources/marketing-tools/global-marketing-assets/pre-made-advertising-assets/online-marketing/) or [In-store marketing](https://docs.klarna.com/resources/marketing-tools/global-marketing-assets/pre-made-advertising-assets/in-store-marketing/) sections.

​*Klarna may review and monitor your advertising and marketing of Klarna's products and services, including through automated means, to ensure your marketing complies with applicable laws, rules, and regulations.*