H A Optical Ltd, 36 Mitchell Arcade, G73 2LS is Merchant’s legal entity is authorised and regulated by the Financial Conduct Authority (FCA FRN XXXXX) and acts as a credit intermediary and not a lender, offering credit products provided by a limited number of finance providers, including Klarna Bank AB UK branch (BR020956), a branch of Klarna Bank AB (556737-0431) which is authorised and regulated by the Swedish Financial Services Authority