BUY A LIFORME MAT WITH KLARNA

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 Instalments: 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 Liforme and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. Pay Later in 30 days: Pay later in 30 days is a form of credit which allows you to delay payment of your purchase by 30 days. Once your order is confirmed, you'll receive an email with payment instructions within two days from Klarna. You'll then have up to 30 days to finalise your payment. Complete the payment online, at your convenience, with no extra cost. You can pay via credit or debit card at Klarna.com. Payment information is processed securely by Klarna. No card details are transferred to or held by Liforme. All transactions take place via connections secured with the latest industry standard security protocols.

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.

Please note, Klarna is only currently available in the United Kingdom and the United States.

Pay Later in 3 interest-free instalments:
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.

Pay Later in 30 days:
To use Pay Later in 30 days you must be at least 18. Whilst this option is widely promoted, Pay Later in 30 days is subject to your financial circumstances. When choosing Pay Later in 30 days, our assessment will not affect your credit rating.

Although Pay Later in 30 days is widely promoted it is not always universally available. The Pay Later in 30 days method is automatically generated by algorithms that are dependent upon a number of factors including amount of order, the online store, previous order history and item availability. Alternatively, you are able to complete your order by paying by credit or debit card at the checkout.

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.

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 Liforme run credit searches against you that could impact your credit rating.

You can pay with debit or credit card immediately in the checkout or take advantage of our Pay Later in 30 days or our Pay Later in 3 interest-free instalments payment options, where you can pay for the goods once you have received them via credit card or debit card.

Pay Later in 3 interest-free instalments:
Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at [MERCHANT] 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.

Pay Later in 30 days:
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 a push notification from the Klarna app or email reminders to pay – and, if very late, we’ll also send you a text or letter, too. 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 30 days’ product even if you have failed to pay on time. If you fail to pay on time, you will be in default, and may be unable to use Klarna’s services in the future.

Please Spend Responsibly Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your monthly repayments on time by the due date. Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.

Pay Later in 3 interest-free instalments:
Klarna will notify you via email and push notification 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 by logging in at Klarna.com

Pay Later in 30 days:
If you pay by card, Liforme will confirm your order right away. If paying by Pay later in 30 days, 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 to Klarna.com

Pay Later in 3 interest-free instalments:
Yes. Just go to the Klarna app or log onto Klarna.com and pay off early.

Pay Later in 30 days:
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 or in the Klarna app to pay for your order.

As soon as Liforme has registered your cancellation or your return, the refund will be processed within 5-7 business days. Refunds shall be issued back to the debit or credit card which was originally entered at checkout.

Once Liforme 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.

In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you the following payment options.

Payment is to be made to Klarna:

- Pay in 30 days

- Pay in 3 Instalments

Further information and Klarna’s user terms can be found for UK customers here.
General information on Klarna can be found for UK customers here.

Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarna's Privacy Statement, this can be found for UK customers here.

Liforme 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.