Pistacho, Arquitectura e Interiores, Lda.
NIF (Tax ID): 516 848 780
Registered office: Rua Vale de Sá, n.º 1, Santa Luzia, 3050-106 Mealhada
Email: help@pistachodecor.com
Telephone: +351 239 137 054 (general) · +351 239 230 010 (sales line) · +351 924 108 660 (WhatsApp)

Last updated: 29 September 2026

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1. What Klarna is

Klarna Bank AB (publ), headquartered in Stockholm, Sweden, is a regulated credit institution authorised to operate in the European Economic Area. Pistacho offers Klarna as an alternative payment method on the Online Shop, allowing the Customer to choose, within the options eligible at any given time, to:

• Pay in 3 interest-free instalments (Pay in 3);
• Pay later (invoiced up to 30 days after purchase);
• Other financing plans that Klarna may make available.

Eligibility for each option and the maximum amount that can be financed depend solely on Klarna, and may be refused at its discretion.

2. Who the Customer’s counterparty is

When the Customer chooses to pay with Klarna:

• The sales contract is still entered into between the Customer and Pistacho (Pistacho is the seller of the products);
• The payment, credit or financing contract is entered into between the Customer and Klarna, and is governed by Klarna’s own terms and conditions, available at www.klarna.com/pt/termos-e-condicoes.

There are therefore two legally distinct contracts, with different parties and responsibilities.

3. How payment works

1. At checkout, the Customer selects Klarna as the payment method and chooses the desired option.
2. They are redirected to the Klarna environment, where they provide the information required for the assessment.
3. Klarna carries out an automated assessment (including, where applicable, a check with credit reference agencies) and communicates its decision.
4. Once the transaction is approved, Pistacho receives the sale amount directly from Klarna and processes the order in the usual way.
5. The Customer then pays Klarna according to the agreed plan, Klarna being responsible for collecting the instalments.

4. Processing of personal data

For the Klarna payment to be processed, certain personal data must be shared between Pistacho and Klarna, namely:

• The Customer’s identification and contact details (name, NIF (tax identification number), address, email, telephone);
• Order details (products, amount);
• Delivery details.

Klarna processes these data as an independent controller, under its Privacy Notice, available on the Klarna website. Pistacho does not control and is not responsible for the processing of data carried out by Klarna after sharing.

The legal basis for sharing is the performance of the sales contract entered into by the Customer (art. 6(1)(b) GDPR) and compliance with the resulting obligations.

5. Returns and refunds with Klarna

In the event of a return or exercise of the right of withdrawal (see Exchanges and Returns Policy), the following applies:

• The Customer notifies the return to Pistacho, through the usual channels;
• Pistacho informs Klarna as soon as it validates the return;
• The refund is made by Klarna to the Customer according to its rules (as a rule: cancellation of instalments not yet paid and refund of the amounts already collected);
• Until Pistacho validates the return, the Customer must continue to meet their payment obligations to Klarna, failing which they may incur charges with Klarna. Klarna usually offers a “pause” feature in its app/portal — nonetheless, the Customer is solely responsible for managing their relationship with Klarna.

6. Consumer rights retained

Choosing Klarna as the payment method does not affect the Customer’s rights against Pistacho, namely:

• The 14-day right of withdrawal under DL 24/2014 (Decree-Law No. 24/2014) (with the applicable legal exceptions);
• The 3-year guarantee (legal guarantee) of conformity provided for in DL 84/2021 (Decree-Law No. 84/2021);
• The right to lodge a complaint in the Livro de Reclamações.

These rights are in any event exercised against Pistacho, and not against Klarna.

7. Disputes and complaints relating to Klarna

Complaints relating to the Klarna payment or financing service (charges, instalments, credit decisions, personal data processed by Klarna) should be addressed directly to Klarna through the channels indicated at www.klarna.com/pt. Complaints relating to the product or the sales service should be addressed to Pistacho.

Klarna is supervised by the Swedish financial supervisory authority (Finansinspektionen) and, in Portugal, by Banco de Portugal, within the scope of their respective powers.

8. Costs

Use of the Pay in 3 option is, as a rule, interest-free for the Customer, provided the payment deadlines are met. Longer-term financing options may be subject to interest and charges, communicated transparently by Klarna before the agreement is entered into. Any late payment or default fees are likewise the Customer’s responsibility towards Klarna.

9. Availability of the service

Pistacho may, at any time, suspend or discontinue offering Klarna as a payment method. The Customer’s eligibility for each option is decided unilaterally by Klarna and is not binding on Pistacho.