Klarna Payments Policy

Welcome to The Academy Clinic. We’re dedicated to giving you excellent care and transparent payment options. This page explains how you can use Klarna, how it works with our services, and what you need to know.

1. What is Klarna?

Klarna is a payment provider that allows you to spread the cost of treatments or pay later, making your aesthetic journey more manageable. At The Academy Clinic we partner with Klarna to give you flexible payment choices while maintaining our high standards of medical-led care.

2. Our Klarna options

When you book a treatment with us, you may see Klarna as a payment choice.

Pay in 3 / Pay in instalments: Split the cost into three (or multiple) interest-free payments (or as Klarna offers)
(Exactly which options are available will depend on the treatment, your location, your Klarna eligibility and our clinic’s offering.)

3. Using Klarna for a treatment

Here’s how it works when you select Klarna at checkout or during booking:

At booking or payment stage you choose Klarna as your payment method.
Klarna performs a credit check (soft or hard, depending on your region and Klarna’s policy) to determine eligibility.
If approved, Klarna will present you with the payment schedule (amounts and dates).
You receive confirmation from Klarna and The Academy Clinic about your booking and payment plan.
We schedule your treatment as normal; you attend your appointment as booked.

4. Eligibility & treatment suitability

You must meet Klarna’s eligibility requirements (age, residency, credit check, etc).
You must also undergo our standard treatment suitability assessment: a consultation, discussion of your goals, medical history, and any necessary pre-treatment protocols.
Approval of a Klarna payment plan does not replace our clinical assessment. We reserve the right to decline or adjust treatment based on our medical judgment.

5. What if payments aren’t made?

Klarna handles repayments directly with you. If you miss a payment to Klarna, you become liable as per your Klarna agreement.
Failure to meet your Klarna payment plan does not affect the care you receive from The Academy Clinic, but repeated non-payment may affect future payment options or bookings.
If you cancel a treatment or require a refund (see Section 6), our refund or clinic T&C will apply, and Klarna will adjust your payment plan accordingly.

6. Returns, cancellations & refunds

If you cancel or receive a refund for a treatment paid with Klarna, our standard cancellation/refund policy applies (please see our main Terms & Conditions for treatments).
We will inform Klarna of any adjustment so your payment plan is updated. For example: if you paid via “Pay in 3”, and one instalment has been made, the remaining instalments will be adjusted.
If treatment has been partially provided or product used, the refund may be full or partial depending on our clinical refund policy. Klarna will reconcile the payment plan with you.
Any questions about how the refund affects your Klarna payment plan should be directed to Klarna’s customer portal as well as our clinic team.

7. Your data & privacy

We share the necessary information with Klarna to facilitate your payment plan (name, contact details, treatment amount, payment schedule).
Klarna uses its own privacy policy and terms – please review Klarna’s full terms at [klarna.com/uk/terms] (or the UK equivalent).
Our clinic’s privacy policy remains in force for treatment & personal data collected for your care (consultation forms, medical records, etc).
Using Klarna does not change how we deliver your treatment, how your data is used by The Academy Clinic, or affect our commitment to safe medical-led care.

8. Important notes & disclaimers

Klarna payment approval is separate from treatment suitability. If we determine a treatment is not suitable for you, we will inform you and you will not be charged.
Treatments may have pre-treatment requirements or need multiple sessions. Payment plan via Klarna covers what is booked – additional sessions may require new payment arrangements.
We may change our payment and refund policies from time to time; you will be notified of any such change.
If you have any questions about Klarna payments (how it works, instalments, what happens if you miss a payment), you should contact Klarna directly via their app/portal and our clinic team.