Klarna allows eligible buyers to split purchases into smaller payments or apply for financing directly at checkout. If Klarna is available for your purchase, it will appear as a payment option during checkout.

Klarna is an independent third-party financing provider. Ya'Mar is not a lender, bank, credit provider, or financing company.

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How Klarna Works

Eligible buyers may be offered one or more payment options through Klarna, depending on the purchase amount, location, eligibility, and Klarna's approval requirements.

Available options may include:

• Pay in 4 interest-free installments

• Pay in 30 days

• Monthly financing for eligible purchases

Not all payment options are available for every order, user, or transaction.

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When Can I Use Klarna?

If Klarna is available for your purchase, it will appear as a payment option during checkout.

Klarna availability may depend on factors including:

• Purchase amount

• Item category

• Delivery location

• Currency used for the transaction

• Seller location

• Financing eligibility requirements

• Risk and fraud prevention reviews

• Klarna availability in your region

Klarna may not be available for all purchases, users, products, categories, transaction types, or locations.

Examples of situations where Klarna may not be available include:

• Orders below or above certain purchase limits established by Klarna

• Transactions that do not meet Klarna eligibility requirements

• Purchases shipping to unsupported locations

• Certain restricted, regulated, prohibited, or high-risk product categories

• Transactions involving gift cards, real estate, vehicles, digital assets, certain financial products, or other categories restricted by Klarna

• Orders that fail fraud prevention or identity verification reviews

• Situations where Klarna financing is temporarily unavailable

Availability and eligibility are determined solely by Klarna and may change without notice.

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Who Approves Klarna Purchases?

All financing approvals, eligibility reviews, repayment schedules, payment plans, financing terms, fees, and lending decisions are determined solely by Klarna.

Ya'Mar cannot:

• Approve or deny Klarna applications

• Modify financing terms

• Change payment schedules

• Override lending decisions

• Guarantee approval

For more information about Klarna payment options and financing programs, visit:

Klarna Payment Options: https://www.klarna.com/us/payments/

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Credit Checks and Eligibility

Depending on the payment option selected, Klarna may perform identity verification, eligibility reviews, soft credit checks, hard credit checks, risk assessments, or other verification procedures.

Approval is not guaranteed and may depend on factors determined solely by Klarna.

Ya'Mar does not receive or review Klarna's lending decisions.

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Returns and Refunds

If a purchase qualifies for a refund under Ya'Mar's policies, approved refunds are generally returned through the original payment method used during checkout.

If Klarna was used, refund processing and payment-plan adjustments are handled by Klarna and may take additional time depending on banking systems, financing systems, and payment processing timelines.

Approval of a refund by Ya'Mar does not automatically modify your Klarna payment obligations until Klarna processes the refund.

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Missed Payments

Buyers remain solely responsible for all payment obligations owed to Klarna.

Questions regarding:

• Payment schedules

• Missed payments

• Late fees

• Interest charges

• Financing balances

• Account restrictions

• Financing eligibility

should be directed to Klarna.

Klarna Customer Support: https://www.klarna.com/us/customer-service/

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Important Notice

Ya'Mar is not a bank, lender, financing company, or financial institution.

Ya'Mar does not issue loans, determine financing eligibility, establish repayment schedules, assess financing charges, perform credit reviews, or make lending decisions.

All Klarna financing products, approvals, repayment obligations, fees, interest charges, lending decisions, and financing terms are governed solely by Klarna and its applicable agreements.