Eligible customers may be offered:

• Pay in 3
• Pay in 30 days

The options available are determined by Klarna and will be shown during checkout.

Klarna is available on eligible online orders from £50.

Klarna is available on eligible online orders up to £1,500.

Availability may vary depending on the Klarna payment option selected and Klarna’s eligibility assessment.

To apply to use Klarna, you must:

• Be a UK resident
• Be aged 18 or over
• Provide a valid mobile telephone number and email address
• Provide the payment information requested by Klarna
• Meet Klarna’s eligibility requirements

Klarna independently decides whether a payment option is available.

Klarna may be available on eligible online purchases within the applicable order limits.

The payment options available for a particular order will be displayed at checkout.

Pay in 3 allows an eligible purchase to be divided into three payments.

Your payment amounts and payment schedule will be displayed by Klarna before you complete your application.

Klarna will provide the complete payment schedule during checkout and through your Klarna account.

Customers should check the payment dates carefully and ensure that sufficient funds are available when each payment is due.

Pay in 30 days allows eligible customers to make payment by the due date provided by Klarna.

Your due date and payment instructions will be shown during checkout and will also be available through your Klarna account.

Klarna independently assesses each application before deciding whether a payment option is available.

Browns Family Jewellers does not carry out this assessment and cannot influence Klarna’s decision. Further information about Klarna’s assessment process is available directly from Klarna.

Klarna independently determines whether its payment options are available for each purchase.

If Klarna is not available, you can complete your order using another payment method offered at checkout. Browns Family Jewellers cannot change or override Klarna’s decision.

Klarna may ask you to provide information including your:

• Name
• Billing address
• Mobile telephone number
• Email address
• Payment information

It is important that the details provided are complete and accurate so that Klarna can send you the relevant payment information.

Late or missed payments may result in late fees and may negatively affect your financial status and ability to obtain credit.

Please contact Klarna promptly if you are experiencing difficulty making a payment. Full details will be provided in the credit agreement and terms issued by Klarna.

You can view and manage your payments through Klarna’s website or app.

Klarna will provide payment instructions, payment dates and details of the payment methods available to you.

For questions about payment dates, missed payments, eligibility decisions or your Klarna account, please contact Klarna directly.

For questions about your Browns Family Jewellers order, delivery, return or refund, please contact our customer service team.

You must follow the Browns Family Jewellers returns procedure when returning an item.

You should also notify Klarna of the return through your Klarna account where appropriate. Your payment obligations will continue until Klarna confirms that your payment plan has been updated or cancelled.

Klarna is currently available for eligible purchases made through the Browns Family Jewellers website only.

Browns Family Jewellers Limited, 2–8 Peel Street, Barnsley, South Yorkshire, S70 2QX, is authorised and regulated by the Financial Conduct Authority (“FCA”) (FCA FRN 670719) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Electronic Money Regulations 2011 (firm reference number 1021834).