• Information you provide when you apply for Apple Upgrade will be used by Apple and Klarna or WebBank as applicable and will be shared with third-party identity verification service providers and used to process your application, verify your identity, and help prevent fraud.
• Certain information about your relationship with Apple may be shared with Klarna or WebBank as applicable, for credit approvals.
• Information about your application and lease or loan through Klarna will be linked to your Apple Account to manage and improve Apple Upgrade.
• Your Apple Upgrade lease or loan status will not impact your access to other Apple products and services, such as your iCloud storage or media subscriptions.

Applying for Apple Upgrade

When you begin a lease or loan application through Apple Upgrade, you are providing information to Apple and Klarna Inc. (“Klarna”), and, for loan applications, WebBank (“WebBank”), Klarna’s bank partner for loan offerings. When you apply for a lease or loan through Apple Upgrade, your name, birth date, email address, billing address, and device phone number are used by Klarna or WebBank as applicable, to verify your identity and to help prevent fraud. Klarna also uses this information, whether you are eligible for an upgrade, and information regarding the proposed lease or loan order to process your application and to set up your account or verify your existing account. Apple and Klarna may also receive information from your carrier about your application phone number to help prevent fraud. Klarna uses third-party identity verification service providers to verify account owners’ partial or full Social Security number and country of citizenship; Apple does not read or store this information.

Additional information about your Apple Account and device may be provided by Apple to Klarna or WebBank as applicable, when you apply for a lease or loan through Apple Upgrade, for identity verification, and to help prevent fraud, and may include the name and billing address associated with your Apple Account and general information about your Apple Account, iTunes, and App Store account activity (for example, whether you have a long history of transactions within iTunes).

If more information is needed to verify your identity, Klarna will ask to scan your driver’s license or state-issued photo ID or ask you to verify your identity with your bank. The image of your photo ID is securely transferred to certain third-party identity verification service providers to verify your identity and to help prevent fraud. Apple does not read or store the image of your photo ID, but receives the name and address from your photo ID for identity verification to prevent Apple Upgrade application fraud.

Certain transaction and experience information about your relationship with Apple may be shared with and used by Klarna for Apple Upgrade application decisioning, and may include:

• How long you have had your Apple Account
• Devices associated with your Apple Account
• When an Apple Media Services purchase was last made with the payment methods linked to your Apple Account
• Failed Apple Media Services transactions within the past three months and three years on payment methods linked to your Apple Account

Klarna will not use this information for purposes other than assessing and approving Apple Upgrade applications.

Once your application has been completed, Klarna will provide Apple with the status of your application as well as the decision outcome for use in application processing. If additional identity verification measures are required, Klarna will also send Apple confirmation as to whether identity verification was successful for use in application processing. If your application has been declined, Klarna will send Apple a reason code for use in application processing.

Your Apple Account will automatically be linked to your Klarna account. Information you provide Klarna in connection with your application, lease, or loan will be used as described herein and in accordance with Klarna’s Privacy Policy, which can be found at https://www.klarna.com/us/privacy. Information you provide WebBank in connection with your application or loan will be used as described herein and in accordance with WebBank’s Privacy Notice, which can be found at https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/2.1.0/WebBankPrivacyNotice.

Apple Upgrade Payments

When you apply for a lease or loan through Apple Upgrade and set up a payment method, Klarna will check to see if you have already provisioned an eligible payment card to your account with Klarna and, if so, will default to that payment method. If no eligible payment cards are available, or you would like to select a different payment method from the default, you may select a payment method provisioned through your Apple Account or add a new payment card to make payments. Information about the payment method you use for your Apple Upgrade payments, including the payment card number, date of payments, auto-pay enrollment, and similar, will be stored by Klarna or WebBank, as applicable, for so long as is necessary to complete your payment, to prevent fraud, and as required by law.

Your Apple Upgrade payment status (for example, current, delinquent) will not impact your access to other Apple products and services, such as your iCloud storage or media subscriptions. However, Klarna and WebBank will share cases of confirmed fraud with Apple, which Apple may use to help prevent fraud.

Apple Upgrade Order Tracking and Management

To provide you with order tracking, upon completing an Apple Upgrade order, Apple will send your order information that you can use to track your order. Apple also provides Klarna, and, if applicable for loans, Klarna provides WebBank, with order details, order shipment information, and trade-in status for order tracking and lease or loan management.

After an application is approved and your order is placed, Apple will share with Klarna, and, if applicable for loans, Klarna will share with WebBank, information relating to eligibility for Upgrades, the state of your device or hardware when returned at the end of your lease or loan, and whether the device or hardware is covered by an AppleCare plan for use in lease or loan management. Klarna will also provide Apple with information about your lease or loan, including information about your lease or loan balances, payment status (including payment declines), and term, and information associated with your linked account with Klarna for use in Apple Upgrade program management and to help prevent fraud.

Improving Apple Upgrade

Certain information about your relationship with Apple, your Apple Upgrade application and order, and your linked account with Klarna will be used by Apple to help identify metrics to improve Apple Upgrade. Information used includes information about devices that are or have been associated with your Apple Account.

Apple Upgrade and Analytics

To help improve Apple Upgrade, Apple collects information about the Apple Upgrade application process, and the use of Apple Upgrade features and stores the information in a way that does not identify you personally. This information includes the time it takes to complete the application. Apple also collects information about your Apple Upgrade order, including your website order number, in a way that is linked to you. Such information may be used for internal analytics to help improve Apple Upgrade. Apple may also use this information to improve other Apple products and services, for marketing, and for fraud prevention and security purposes.

Apple Upgrade and Communications

Apple may use your Apple Upgrade account status, such as whether you have applied for or are currently using Apple Upgrade and information relating to your lease or loan, including device information and term, to determine whether a message is relevant to you, including a marketing message. Limited information about your Apple Account, such as how long you have had your Apple Account, your devices, and whether you have an Apple service, may be used by Apple for marketing purposes. Apple may also send messages to your device, which may use information known to you and your device and not Apple to help determine whether a message is relevant to you. Apple does not know which messages you see on your device.

Anonymous and aggregate information that cannot be tied to you may also be used for Apple Upgrade marketing and other messaging. You can opt out of marketing messages by clicking the unsubscribe link in a marketing email.

Apple Upgrade Support

If you have questions about Apple Upgrade, you can contact Apple Support. Apple will use any information you share, including personal information, to process your request. If your inquiry must be sent to Klarna or WebBank for servicing, Apple will share information about you and your inquiry with Klarna so that they may better help you. Apple will not retain any personally identifiable financial information that it sends to Klarna for servicing.

Updating Your Information

You can also update your Apple Upgrade account information by contacting Klarna. Klarna may share updated Apple Upgrade account information with Apple to provide services related to Apple Upgrade.

Eligibility

To allow you to set up Apple Upgrade, information relating to your Apple Account and status, age, country of residence, the status of your account with Klarna, ability to receive security verification codes via text message, and the existence of a valid Social Security Number or individual taxpayer identification number and accepted credit or debit card will be used to confirm that you are eligible to use Apple Upgrade.

More Information

Apple may use your Apple Upgrade-related information as required to comply with law or help prevent fraud even after you have closed your account. Apple may share your information with Klarna and WebBank as required by applicable law. If Klarna is required to transfer your lease, your information will be shared with another servicer. In the unlikely event this occurs, the replacement servicer is required to safeguard information it receives in a manner substantially similar to Klarna.

Neither Apple nor its affiliates is a bank and this notice is in addition to any notices you may receive from Klarna or WebBank.

Unless otherwise noted, where Apple acts as data controller with respect to the processing of personal data described in this notice, such activities are provided by Apple Inc. By using Apple Upgrade, you agree and consent to Apple’s and its subsidiaries’ and agents’ transmission, collection, maintenance, processing, and use of your information as described above.

At all times, information collected by Apple will be treated in accordance with Apple’s Privacy Policy, which can be found at www.apple.com/privacy.

2026-07-27