Instructions For Next Of Kin Or Executors When Death Occurs

1. When death occurs please contact us on our emergency service freefone number 8000 98309 or if you are outside the UK + 44 20 8684 2324 or contact your appointed funeral director. Both our number and the funeral director operate 24hrs every day of the year. You will be in touch with a professional who knows the exactly what to do. They will arrange and advise on any immediate steps to be taken.

2. The information you and we require is contained in this information bureau. Should there be any further information required we will advise at the time.

3. When attending the Registrars of Births Deaths & Marriages please remember to bring along this folder and if possible, a birth and/or marriage certificate.

4. Extra copies of the death certificate should be obtained for Probate, Social security benefits, Banks and Insurance. At the time of the registration.

5. Golden Leaves Ltd will require a copy death certificate to access the Golden Leaves Trust in order to pay for the funeral service.

1. Definitions

1.1 In these conditions the words listed below shall have the following meanings unless the context otherwise requires:

2. Contract

2.1 No contract shall exist between you and the Company until this Agreement has been signed and dated on behalf of the Company to indicate its acceptance of the proposal. When this has been done, this will be the date of the Plan.

2.2 Upon acceptance the Company will issue you with plan acceptance documentation including a membership certificate and card which will identify the Plan and provide an emergency telephone number in the event of the death of the Plan Holder.

3. Obligations of the Company

3.1 Upon payment for the Plan of the sum shown in the Agreement the Company will provide or procure the services stipulated in the Plan upon the following conditions and subject also to the exclusions and limitations in clause 4 of these Conditions:

3.1.1 During this Agreement and whilst it remains a registered provider by the Authority the Company will comply with its Code of Practice in force from time to time. The current Code of Practice is set out in the booklet available on request. If during this Agreement the Company's registered status ceases for any reason then the Company will nevertheless endeavour to adhere to the said Code of Practice so far as it is reasonably practicable for it to do so.

3.1.2 Should any dispute arise, the matter shall, in the first instance, be discussed with the Company. If no solution is found, the matter shall be referred to the Authority’s conciliation service. If this fails to bring a solution then the matter may be referred for arbitration in accordance with the Authority’s Code of Practice.

3.1.3 If any of the Services stipulated in the Plan are unavailable at the time of the funeral the Company will procure that substitute services are provided which are as near as practicable equivalent to the services stated in the Plan.

4. Exclusions and Limitations – (applicable to UK Funerals Only in the case of dual country plans)

4.1 BURIALS: For Plans which provide for a burial, the Company will incur costs to third parties, such as the provision of a burial plot. The Company will endeavour to purchase the plot at the time the Plan is entered into; however, if prepurchase of grave space is not possible and the costs of a burial plot increase between the date of the purchase of the Plan and the date of the funeral by more than the increase over such period in the Retail Prices Index (RPI) then you or your Personal Representatives (or other person who arranges the funeral) will be liable to pay the difference to the Funeral Director in accordance with their payment terms or, alternatively, you or your Personal Representatives may require the Company to refund them the price paid for the Plan less the Company's Funeral Arrangement Fee.

4.2 If any of the burial costs increase as a result of the Plan Holder moving address (for example the internment costs of the cemetery) between the date of the purchase of the Plan and the funeral then if such increase is more than the increase in the RPI over the same period then you or your Personal Representatives (or other person who arranges the Funeral) will be liable to pay the difference to the Funeral Director or, alternatively, the Company will at the request of you or your Personal Representatives make a refund to you or them of the price of the Plan less the Company's Funeral arrangement fee.

4.3 CREMATION: For Plans which provide for cremation, no further charges for disbursements will be made except in any of the specific instances referred to in clauses 4.3.1 to 4.3.3. below. Should any of these apply then additional charges will be due from you or your Personal Representatives (or other person who arranges the funeral) to the Funeral Director in accordance with their payment terms. These are as follows:-

4.3.1 if the crematorium at which the funeral occurs makes any additional charge for the provision of music (including, for example, an organist or choir) or any other services;

4.3.2 any fee payable to a doctor to the extent that it exceeds the maximum amount recommended from time to time by the British Medical Association or any successor body thereto;

4.3.3 the fee charged by the Minister of Religion or Officiant to the extent that it exceeds the maximum amount recommended by the Church of England Stipend Authority or any other authority of the Church of England in succession thereto.

4.4 The funeral service will be arranged at a time convenient to the Personal Representatives of the Plan Holder, subject to the availability of the Funeral Director. An additional charge will be due to the Funeral Director in accordance with their payment terms should the Plan Holder’s Personal Representative (or other person who arranges the funeral) require the funeral to take place at a weekend or public holiday.

5. Change of Address

The Plan provides for the funeral to be conducted by the Funeral Director named in the Plan. If the Plan Holder changes their permanent address you must notify the Company whereupon the Company will have the right to nominate an appropriate alternative Funeral Director. If, notwithstanding the change of address, you or your Personal Representatives wish the funeral to be undertaken by the existing Funeral Director then you or your Personal
Representatives (or other person who arranges the funeral) will be responsible for any additional transport costs incurred in connection with the funeral.

6. VAT

6.1 Apart from the specific instance referred to in clause 6.2 below, the Plan does not include VAT which is not at present charged on funerals in the United Kingdom. However, if at the time of the Plan Holder’s funeral VAT is payable on the funeral service or any part of it then any increased costs will be payable by you or your Personal Representatives (or other person arranging the funeral) to the Funeral Director.

6.2 For Plans which provide for a burial, among the costs included in the Plan is a charge for the provision of a headstone. At present this is subject to VAT at the rate of 17.5%. If at the date of the funeral this rate has increased then you or your Personal Representatives (or other person arranging the funeral) will be liable for the increase which will be payable to the Funeral Director in accordance with their payment terms.

7. Procedure on Death of Plan Holder

7.1 Subject to Clause 3 and Clause 7.2 below, as soon as the Company has been informed of the death of the Plan Holder and been given such information as is necessary

7.1.1 the Company will instruct the Funeral Director to undertake the funeral in accordance with the Plan; and

7.1.2 the Funeral Director's charges will be settled by the Company.

7.2 The Company will only instruct the Funeral Director if at the date of death an agency or service agreement is in force between the Company and the Funeral Director, which the Funeral Director is able to perform. If this is not the case then the Company will (at the option of you or your Personal Representatives) either refund the sums which have been paid into the Plan (in which case the provisions of sub-clause 9.2 below will apply as if the
Plan is cancelled in accordance with that sub-clause) or (subject to the provisions of these Terms) pay the cost of any other funeral director appointed by the Plan Holder’s Personal Representatives provided that:-

7.2.1 the services are in accordance with the Plan; and

7.2.2 the funeral director’s charges for the funeral (including, without limitation, costs, due to third parties) do not exceed the price then chargeable by the Company for the nearest equivalent funeral plan at the date of death and are reasonable.

7.3 All arrangements for the funeral will be made direct between the Plan Holder’s Personal Representatives and the Funeral Director.

8. Payment by Instalments

8.1 As an alternative to making a single payment you may if you wish pay by Instalments. If you have selected the Instalment Option your payments should be shown on the Payment Form. Payment plans are listed in the price list.

8.2 The first instalment is due on the 28th of the month following the month of acceptance of your application. All further instalments are then payable (subject to the following provisions) on or about the 28th of each month thereafter.

8.3 If you choose to pay by instalments you are not contractually bound to make them. However, unless all instalments under the Plan are paid then the Company will be under no obligation to provide or procure the services of the Plan.

8.4 If any instalment is not paid on the stipulated date in the Payment form the Company reserves the right to cancel the Plan on giving you not less than fourteen days prior written notice and will refund all payments made to that date (without interest), less a Funeral Arrangement Fee.

8.5 If the Plan has not been cancelled under Clause 8.4 above or Clause 9 below then in the event of the death of the Plan Holder before all the instalments are paid the Company will, upon the request of you or your Personal Representatives, either:

8.5.1 refund all instalments paid to that date (without interest) less a Funeral Arrangement Fee or

8.5.2 apply the balance remaining, towards the cost of your funeral in accordance with the Plan upon payment by you or your Personal Representatives of the balance due and any additional sums due in accordance with these Terms.

9. Cancellation

9.1 Whether you are paying for the Plan by instalments or in a lump sum you or your Personal Representatives have the right to cancel the Plan upon giving to the Company written notice to this effect within 28 days after the Company has signed the Agreement and issued a membership certificate. All payments made to the date of termination will be repaid to you or your Personal Representatives (without interest).

9.2 After the said 28 day period, you or your Personal Representatives may request the Company to refund the cost of the Plan (if paid for in full) whereupon the Company may in its absolute discretion refund the amount paid less a Funeral Arrangement Fee on the whole or any part of the cost of the Plan and also (in the case of a Plan providing for a burial), less the costs incurred by the Company in purchasing or reserving a burial plot.

10. General

10.1 The Company is not liable for any acts or omissions of any Funeral Director appointed pursuant to Clause 7.1

10.2 The Company cannot be held responsible for the acts or omissions of the Funeral Director appointed under clause 7.1 unless the Company has been negligent in its appointment.

10.3 All sums received by the Company constitute a pre-payment towards the cost of the funeral described in the Plan in accordance with the provisions of these Terms. Neither you nor (if different) the Plan Holder nor your respective Personal Representatives shall be entitled to any interest on or income from any part of the sum paid to the Company in connection with the Plan and any right which you or your Personal Representatives may have to any refund of sums paid are governed strictly by the terms of this Agreement. The sums which you pay to theCompany in connection with the Plan will be paid directly to the Trustees of the Golden Leaves Trust Fund, in accordance with the requirements of the Financial Services and Markets Act 2000 (Regulated Activities Order 2001). The Company is entitled solely to any growth in or interest on or income from the sums paid, which entitlement the Company has settled in accordance with the terms of the Trust.

10.4 The Company shall have no further obligations to you, the Plan Holder (if different) or your respective Personal Representatives, whether financial or otherwise, save as expressly set out in these Terms and in the Code of Practice.

10.5 You may not assign your rights and obligations under the Agreement.

10.6 Any notice or other information required or authorised by these Terms shall be given by hand or sent by first class pre-paid post to the other party at the address specified in the Agreement or to such other address as that party may notify the other in writing from time to time in accordance with this provision.

10.7 The provisions of clauses 4, 5 and 6 are made for the benefit of a Funeral Director and, accordingly, it may in its own right enforce these provisions in accordance with the Provisions of the Contracts (Rights of Third Parties) Act 1999 (“the Act”). This Agreement does not, however, create any other rights enforceable by any person who is not a party to it (including, without limitation, a Plan Holder where you are purchasing the Plan not for yourself but for some other person) under the Act.

10.8 This Agreement shall be governed by and construed in all respects in accordance with the Laws of England and each party hereby submits to the non-exclusive jurisdiction of the English Courts.

11. Funeral Cancellation Fee
The Funeral Cancellation Fee on all plans is equivalent to 20% of the overall cost of the funeral plan or such lesser amount as the Company may specify from time to time, either in relation to any individual Plan or to its Plans generally. In the event of cancellation in accordance with clause 9.1 of these Terms (but not otherwise) neither you nor your Personal Representatives will be charged this figure.