Broad is the operator that connects you to Paynetics AD, a company with its registered address at Ground Floor, 76A James Bourchier, Lozenets District, Sofia Municipality, Sofia, Bulgaria, entered in the Bulgarian Commercial Register kept by the Registry Agency under UIC: 131574695. Paynetics AD is an electronic money institution authorised by the Financial Conduct Authority under the Temporary Permissions Regime (firm reference number 900785) for the issuance of e-money and provision of payment services in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. To ensure your funds are safe, Paynetics AD follows a process known as “safeguarding”, which is a regulatory requirement for all electronic money institutions. In this process Paynetics AD keeps your funds separate from its own funds and place it in a “safeguarding account” with a bank. Broad contactless debit card is issued by Paynetics AD pursuant to a licence by Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.