Secure FinTech infrastructure and tailored financial solutions
KLAR helps companies, banks, ERP providers, and software partners connect financial services, banking data, and business systems through secure technology.
Make your financial and accounting connections with KLAR.
Two ways KLAR connects financial services
Whether you are building financial functionality into your own platform or need a tailored system built around your business, KLAR delivers secure, production-grade technology.
Partner Solutions
KLAR helps ERP providers, software platforms, and technology partners add banking and financial functionality to their own offerings, enabling partners to build and deliver business-critical financial workflows.
Customer Solutions
KLAR designs and delivers tailored financial solutions for companies with requirements that standard products do not fully solve, building complete, connected systems around real operational needs.
Reusable KLAR FinTech infrastructure
An API-first foundation for secure banking connectivity, the same infrastructure that powers partner-built workflows and KLAR customer solutions.
Secure financial data access and custom bank integrations built on a consistent, well-structured API.
Authentication, authorization, permission control and secure credential handling at every layer.
Secure API communication with logging, monitoring and full auditability across services.
Infrastructure designed for partners to build and operate their own business-critical financial workflows.
Security designed for banking-grade workflows
KLAR is built to be secure and is trusted by banks and partners to enable business-critical financial workflows. Security is concrete and considered at every layer of the platform.
Controlled access with strong identity and permission management.
Secure credential handling with clear separation of responsibilities.
Protected communication channels for all banking and data services.
Monitoring and auditability for controlled access to banking services.
An ecosystem of partners, banks and customers
KLAR works across ERP partners, banking connectivity, the startup ecosystem and real customer implementations.
FinTech specialists
KLAR develops secure banking and financial connections for banks, ERP providers, software partners and companies, built on API-first technology and a deep understanding of the Icelandic business environment.
We combine international-quality technology with Icelandic execution. We help companies use financial technology in a safer, clearer and more efficient way.
Team
Make your financial and accounting connections with KLAR
Tell us about your partner, customer solution or OpenBanking needs and we'll get back to you.
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Website Terms of Use
This website is operated by KLAR ehf., registration number 510823-1250, Reykjavíkurvegi 76, 220 Hafnarfjörður, Iceland. Email: [email protected].
The website provides general information about KLAR, its products and services. KLAR aims to keep the information accurate and current but does not guarantee that it is complete, error-free or continuously available.
Website content does not constitute legal, accounting, tax, investment or other professional advice. Product features, pricing, availability and timelines may change and may be subject to separate agreements.
The website and its content are owned by or licensed to KLAR. You may view the website and share links to public pages, but you may not reproduce, modify or commercially use its content without permission.
You must not interfere with the website, attempt unauthorised access, introduce malicious code or misuse KLAR's name, trademarks or content.
KLAR is not responsible for independent third-party websites or services linked from the website.
To the extent permitted by law, KLAR is not liable for loss arising solely from reliance on general website information, temporary unavailability, technical errors or third-party services.
KLAR processes personal data in accordance with its Privacy Policy and uses cookies as described in its Cookie Policy.
These terms are governed by Icelandic law. Separate agreements apply to KLAR applications and contracted services.
Copyright & trademarks
© 2026 KLAR ehf. All rights reserved. KLAR's name, logos, website content, designs and software may not be copied, modified, distributed or used commercially without prior written permission.
Third-party names, logos and trademarks displayed on the website belong to their respective owners. Their appearance does not imply endorsement or partnership unless expressly stated.
Privacy Policy
1. About this Policy
KLAR ehf. respects your privacy and processes personal data in accordance with applicable data protection laws.
This Privacy Policy applies when you:
- visit the KLAR website;
- contact us;
- request information about our products or services;
- register your interest as a customer or partner; or
- otherwise communicate with KLAR in a business context.
Separate privacy information or contractual terms may apply to personal data processed through KLAR's banking, accounting, payment or application services.
2. Controller and contact details
The controller responsible for the processing described in this policy is:
KLAR ehf.
Registration number: 510823-1250
Reykjavíkurvegi 76
220 Hafnarfjörður
Iceland
Email: [email protected]
3. Personal data we collect
Depending on how you interact with us, we may collect:
- your name, email address and telephone number;
- your company or organisation;
- the content of your inquiry or communication;
- your communication preferences;
- technical information such as IP address, browser, device, pages visited and security logs; and
- other information you choose to provide.
Please do not submit sensitive personal data through the website unless KLAR has specifically requested it.
4. How we use personal data
We may process personal data to:
- respond to inquiries and provide requested information;
- arrange meetings or product demonstrations;
- establish and manage customer and partner relationships;
- administer contracts, billing and support;
- operate, secure and improve the website;
- prevent misuse, fraud and security incidents;
- send marketing communications where permitted; and
- comply with legal obligations or protect our legal rights.
Our legal bases may include your consent; steps taken before entering into a contract; performance of a contract; compliance with a legal obligation; and KLAR's legitimate interests in operating and protecting its business. You may object to processing based on legitimate interests.
5. Cookies and analytics
The website may use cookies and similar technologies. Strictly necessary cookies may be used to operate and secure the website. Analytics, preference or marketing cookies will only be used where permitted and, when required, after you have provided consent.
You may change or withdraw your cookie preferences through the website's cookie settings. Further information is available in the KLAR Cookie Policy.
6. Sharing and international transfers
KLAR does not sell personal data. We may share personal data where necessary with:
- hosting, cloud and information technology providers;
- website, communication and analytics providers;
- banks, ERP providers and technology partners;
- accountants, auditors, lawyers and other advisers;
- public authorities where required by law; and
- parties involved in a financing, restructuring, merger or sale, subject to appropriate confidentiality safeguards.
KLAR aims to process personal data within Iceland or the European Economic Area. Where personal data is transferred outside the European Economic Area, KLAR will use an appropriate legal transfer mechanism and safeguards as required by applicable law.
7. Retention and security
KLAR retains personal data only for as long as reasonably necessary for the purpose for which it was collected and to meet legal, contractual, security and recordkeeping requirements. As a general rule:
- ordinary website and business inquiries may be retained for up to 24 months after the last meaningful communication;
- contractual and financial records may be retained for the period required by law;
- marketing information may be retained until you unsubscribe or object; and
- website and security logs are retained for a limited period appropriate to security and legal requirements.
KLAR uses appropriate technical and organisational safeguards, including access controls, authentication, encryption, logging and secure cloud infrastructure.
8. Your rights
Subject to applicable law, you may have the right to:
- access your personal data;
- correct inaccurate or incomplete information;
- request deletion or restriction of processing;
- receive certain data in a portable format;
- object to processing based on legitimate interests;
- object to direct marketing; and
- withdraw consent at any time.
You may exercise your rights by contacting [email protected]. You may also submit a complaint to Persónuvernd, the Icelandic Data Protection Authority.
9. Other information
KLAR does not use personal data collected through the public website for solely automated decisions that produce legal or similarly significant effects.
The website is intended for businesses and professional users and is not directed at children.
The website may contain links to third-party websites. KLAR is not responsible for the privacy practices of independent third parties.
KLAR may update this Privacy Policy when the website, our services, our suppliers or applicable legal requirements change. The current version will always be published on the website.
Cookie Policy
1. About this Policy
This Cookie Policy explains how KLAR ehf. uses cookies and similar technologies on the KLAR website. Further information about how KLAR processes personal data is available in the KLAR Privacy Policy.
2. What are cookies?
Cookies are small files stored on your device when you visit a website. They may be used to operate and secure the website, remember preferences, measure website use and improve performance.
3. Cookies we use
The website may use:
- Necessary cookies to operate and secure the website and remember your cookie choices.
- Analytics cookies to understand how visitors use the website.
- Functionality cookies to remember settings such as language preferences.
- Marketing cookies to measure campaigns or support relevant communications.
Optional cookies will only be used after you have provided consent where required. A detailed table listing the cookies used, their providers, purposes, categories and duration will be added following the website's technical cookie review.
4. Your choices
When you first visit the website, you may accept, reject or manage optional cookies. Necessary cookies may be used without optional consent where permitted by law.
You may change or withdraw your consent at any time through the Cookie Settings link on the website. You may also block or delete cookies through your browser settings, although this may affect some website functions.
5. Personal data
Some cookies may collect personal data, such as an IP address, device information or information about website activity. Personal data collected through cookies is processed and stored within Iceland or elsewhere in the European Economic Area. KLAR does not sell personal data collected through cookies.
6. Changes and contact details
KLAR may update this Cookie Policy when the website, cookies, service providers or legal requirements change. The current version will always be available on the website.
Questions may be sent to:
KLAR ehf.
Registration number: 510823-1250
Reykjavíkurvegi 76
220 Hafnarfjörður
Iceland
Email: [email protected]
Banking & Service Disclaimer
KLAR ehf. is a technology and integration provider. KLAR is not a bank and does not accept deposits, hold customer funds or operate customer bank accounts.
Banking, payment, accounting and other third-party services accessible through KLAR solutions are provided subject to the terms, approvals and availability of the relevant bank, ERP provider or other service provider.
The specific role and responsibilities of KLAR and each third party are defined in the applicable service agreement.
Information on this website is provided for general business purposes and does not constitute financial, legal, accounting, tax or investment advice.
Product features, integrations and availability may vary and may change without notice.
Application Access Notice
Access to KLAR applications is intended for authorised business users.
Registration, login and use of KLAR applications are subject to separate service agreements, user terms and privacy information applicable to the relevant product or service.
Creating an account does not by itself guarantee access to any service. Access may require customer approval, identity verification, technical setup, subscription activation or acceptance of additional terms.
Users must keep their login credentials secure and must not allow unauthorised persons to access their accounts.
KLAR may restrict or suspend access where necessary to protect users, customers, systems or data, or where use does not comply with applicable agreements.
For assistance, contact [email protected].
Accessibility Statement
KLAR ehf. aims to make its website accessible and usable by as many people as possible.
We work to support clear content, keyboard navigation, readable text, appropriate colour contrast and compatibility with commonly used assistive technologies.
The website is reviewed as it develops, but some content or functions may not yet be fully accessible.
Should you experience an accessibility problem or need information in another format, please contact [email protected]. Please identify the relevant page or function so that we can review the issue.
KLAR may update this statement following accessibility testing or material changes to the website.
Security Reporting
KLAR takes the security of its websites, applications and services seriously.
If you believe you have identified a security vulnerability, please report it to [email protected] and include:
- the affected website, application or service;
- a clear description of the issue;
- steps required to reproduce it; and
- any relevant screenshots or technical details.
Please do not:
- access, modify or delete data belonging to others;
- disrupt or degrade KLAR services;
- use social engineering, phishing or physical attacks;
- download more data than necessary to demonstrate the issue; or
- disclose the issue publicly before KLAR has had a reasonable opportunity to investigate and address it.
KLAR will review reports submitted in good faith and may contact the reporter for further information. Submitting a report does not create any entitlement to payment or other compensation.
Company Information
KLAR ehf.
Registration number: 510823-1250
VAT number: 151188
Reykjavíkurvegi 76
220 Hafnarfjörður
Iceland
Email: [email protected]
Registered in the Icelandic Register of Enterprises. KLAR provides technology and integration services and is not a bank.