Pre-paid funeral plans
12.1.3. breach of Your legal rights to which You are entitled as a result of being a consumer. These include our obligation to provide the services with reasonable care and skill and to provide the funeral plan as described. 12.2 Subject to this, we are not liable for: 12.2.1. loss which was not reasonably foreseeable to both parties at the time when the Contract was made; or 12.2.2. loss arising from commercial loss (e.g. loss of profit, loss of business or loss of business opportunity) to Your business which would not be suffered by a consumer (because we believe You are not paying for the funeral plan wholly or mainly in connection with Your business). 13.Complaints, governing law and jurisdiction. 13.1 If You have a query or complaint, please contact us via the contact details above and we will try to resolve it. If You are not happy with the way in which Your query or complaint has been settled, You may be able to refer Your complaint to the Financial Ombudsman Service (www.financial-ombudsman. org.uk). 13.2 If You are still unhappy after having gone through the steps in Clause 13.1, You may take the matter to court 13.3 The Contract (including any non-contractual matters) is governed by the laws of England and Wales and the courts of England and Wales have jurisdiction to settle any disputes. 13.4 You or the person for whose benefit the funeral plan was purchased (or their estate, if they have died) may be entitled to compensation from the Financial Services Compensation Scheme should we be unable to meet the funeral liabilities according to the Contract and the funeral plan. Please visit www. fscs.org.uk for more information. 14.Data protection 14.1 We will only use Your personal data as set out in our Privacy Notice which is available on our website at funeralplans.coop 15.Other important terms 15.1. Currently, VAT is not payable in respect of funerals. However, if the costs of providing funerals do become subject to VAT, we reserve the right to recover this cost from You or Your personal representative. 15.2.The Contract is between You and us and the funeral plan is personal to You and cannot be transferred. No other party has rights to enforce any of its terms other than in the circumstances set out in the Contract. 15.3.If a court finds a part of this Contract illegal, it will not affect the rest of its terms. Each term operates separately and if a court finds one illegal the rest will remain in full force and effect. 15.4.Even if we delay in enforcing this Contract, we can still enforce it later. For example, if You miss a payment and we do not chase You for it, we can still require You to make the payment at a later date.
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