Pre-paid funeral plans
be applied towards a contract of whole life insurance on Your life (or the person for whom the funeral is to be provided), effected and carried out by an authorised person who has permission to effect and carry out such contracts of insurance, for the purpose of providing the funeral. 8. Your rights to cancel the funeral plan and end the Contract and charges payable 8.1 You may cancel the funeral plan (meaning You are ending the Contract) at any time without telling us the reason but we may have to charge You as set out below. If You wish to cancel the funeral plan, You must contact us and return Your Funeral Plan Certificate to us if You were issued with one. Our contact details are set out above. 8.2. The circumstances in which we will refund You the full amounts You have paid upon Your cancellation of Your funeral plan are as follows: 8.2.1. if You tell us no more than 30 days after the date we received Your first payment or where we have not confirmed Your nominated Funeral Director within that 30 day period, You tell us no more than 7 days after we have confirmed Your nominated Funeral Director; 8.2.2. we have told You about a material change we need to make and You do not agree; 8.2.3. we have told You about a material error in the price and You do not want to proceed; 8.2.4. You have a legal right to end the Contract because of something significant we have done wrong; 8.2.5. You decide to cancel Your funeral plan because we have told You about a material failure on our part caused by something beyond our reasonable control; or 8.2.6. If You are paying by instalments and are within 12 months of Your Funeral Plan Commencement Date. 8.3. If You are cancelling the funeral plan but it is not because of one of the reasons set out in Clause 8.2 above, the Contract will end immediately and we will retain our Admin Fee and Cancellation Fee from your refund. If You have paid in instalments and are cancelling your funeral plan after the first anniversary of the Funeral Plan Commencement Date, we will retain the Instalment Charges. Please see clause 3 above for more information on these fees and charges. 8.4. We may also charge You any third-party fees if we have incurred these costs and cannot recover them. Any third-party fees that cannot be recovered will be deducted from the value of the refund payable. 9. Our rights to cancel your funeral plan and end the Contract 9.1 We may cancel the funeral plan (meaning we are ending the Contract) and so not have any obligation to provide the funeral plan if: 9.1.1. You do not pay amounts when due and have not done so within 10 business days of being notified of a second consecutive missed payment. 9.1.2. You have not provided the information we require set out during the funeral plan consultation; 9.1.3. we decide to end the Contract because You have told us about a failure on Your part caused by something beyond Your reasonable control; or 9.1.4. the funeral plan has not been redeemed by the 110th birthday of the person to whom the funeral plan relates, or we have reasonable cause to believe the funeral has already taken place and we have not heard from You within 6 months of contacting You at Your last known address. 9.2. If we cancel Your funeral plan (meaning we are ending the Contract) for the reasons set out in Clauses 9.1.1 to 9.1.3, we will refund all amounts paid less our Admin Fee and Cancellation Fee. If You have paid in instalments and we cancel the plan after the first anniversary of the Funeral Plan Start Date, we will retain the Instalment Charges. Please see clause 3 above for more information on these fees and charges. 9.3. If we cancel Your funeral plan (meaning you are ending the Contract) for the reason set out in Clause 9.1.4, we may keep any amounts You have paid unless we hear from You that You wish to cancel the funeral plan and end the Contract. In this case, we may cancel the funeral plan and end the Contract and refund all amounts to You less our Admin Fee and Cancellation Fee. If You have paid in instalments and cancel the plan after the first anniversary of the Funeral Plan Start Date, we will retain the
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