Pre-paid funeral plans
12.Complaints, governing law and jurisdiction. 12.1 If You have a query or complaint, please contact us via the contact details on the first page of this document 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). 12.2If You are still unhappy after having gone through the steps in Clause 12.1, You may take the matter to court. 12.3 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. 12.4 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. 13.Data protection 13.1 We will only use Your personal data as set out in our Privacy Notice which is available on our website at https://www.funeralplans.coop/ 14.Other important terms 14.1 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. 14.2 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. 14.3 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. 14.4 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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