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giffgaff Limited, 500 Brook Drive, Reading, RG2 6UU is authorised and regulated by the Financial Conduct Authority ("FCA") (FCA FRN 680957) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by 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 Payment Services Regulations 2017 (firm reference number 1021834). Please note that Pay in 3 instalments agreements are not regulated by the FCA. Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs and late fees apply. Klarna.com/uk/terms-and-conditions