Terms & Conditions

Crystal Cremations Ltd Terms & Conditions

 

 

 

Important - Please ensure that you read these terms and conditions before proceeding with the service. By making a payment, either online, by telephone or any other mIeans, you agree to be bound by the terms and conditions set out below.

1. Definitions

When the following words are used in this Agreement, this is what they mean:

“Agreement” means the written agreement between us made up of the Application, the Funeral Plan Schedule, Funeral Plan Services Document, Key Features Summary, Complaints Policy and these Terms and Conditions; means this agreement between us for provision of the Services, incorporating the terms and conditions below.

“Application” means the Application form you have completed and either returned by post, submitted online via a website or portal, or completed over the telephone.

"Cancellation Period" has the meaning given in the section "Right to Cancel”.

"DWP Funeral Payment" means a registered payment offered by the Department of Work and Pensions intended to help pay for a funeral.

"Fees" means the fees set out in the section "Fees”.

“Funeral Personnel” means the relevant personnel we appoint to carry out your chosen funeral, the details of which are set out in the Funeral Plan Schedule.

“Funeral Plan Schedule” means the schedule setting out all the details of your Plan, which we will send to you once we have received your Application for the Plan.

“Funeral Plan Services Document” means the document setting out the details of the services which are provided under the Plan, which we will send to you once we have received your Application for the Plan.

“Inflation” means a sustained increase in the general level of prices for goods and services measured as an annual percentage increase in line with the Retail Prices Index.

“Key Features Summary” means the document summarising the key features and benefits and exclusions and limitations of the Funeral Plan to allow you to assess whether it meets your requirements.

 

 

“Personal Representative” means your Personal Representative(s) after your death, as defined by the Administration of Estates Act 1925.

“Plan” means one of the two plans offered by Crystal Cremations Ltd. This will either be the Direct Cremation Service or the Celebration of Life Service.

“Plan holder” means the person named in the Funeral Plan Schedule whose funeral is covered by this Plan.

"Services" means the services set out in the section "Services”.

 “Trust” means the National Funeral Trust; and

“we” or “us” or “our” refer to Crystal Cremations Ltd, a company registered in England (registered number 13043111), with registered address The Old Mill House, Deakins Business Park, Egerton, Bolton, BL7 9RP; and

“you” or “your” or “applicant” means the person applying for the Plan and/or the person who enters into this Agreement by making payment of the Fee.

Background

Crystal Cremations Ltd offer two forms of Plan, this being the Direct Cremation Service or the Celebration of Life Service, details of which can be found on www.crystalcremations.co.uk or in the brochures provided. In the event of any ambiguity over what service is provided, this will be outlined in the Funeral Plan Services Document.

There are 4 ways of paying for the Plan.

1.One off payment to cover the full charges.

2. 3 monthly, 6 monthly, or 12 monthly instalments to cover the full charges this can be paid by standing order or the future payment option to cover the full charges.  

Future payments

3. 24 monthly 36 monthly, 48 monthly, and 60 monthly payments, this payment option is only available by the future payment option (not by standing order) that is administered by WorldPay option to cover the full charges. 

If your card expires or if a payment is not authorised, we will contact you to inform you that the payment as failed, and an alternative arrangement will be required.

You can cancel anytime by contacting us at The Old Mill House, Deakins Business Park, Egerton Bolton BL7 9PR telephone 08002545030 or email info@crystalcremations.co.uk.

Refunds will be process and paid within 14 working days.     

 

 

 

 

 

The Agreement

Once we have confirmed and approved your Application for the Plan, the following documents all make up the Agreement:

• your application.
• the Funeral Plan Schedule.
• the Funeral Plan Services Document.
• the Key Features Summary.
• Complaints Policy and
• these Terms and Conditions.

What the Plans Covers

Subject to these terms and conditions, details of the services provided under the Plan are set out in the Funeral Plan Services Document and summarised in the Key Features Summary.2

Once you have fully paid the amounts set out in the Plan, we will cover the Nominated Funeral Director charges and the funeral cremation costs.

Eligibility

By entering into this Agreement, you confirm that you:

• are over 18 years old.
• are authorised to make the funeral arrangements.
• will pay the Fees to us as set out in this Agreement.

By accepting these terms and conditions and subsequently completing the purchase process online or via our telephone payment service, you are making an offer to purchase funeral services from us on the terms set out in this Agreement. We are entitled at our absolute discretion to accept or decline this offer.

Our terms

This Agreement sets out the conditions on which we will arrange and perform the services you have chosen.

The Services are available only where a person has died in mainland Great Britain, therefore is not available in Northern Ireland, Scottish Isles, Isle of Man, Isle of Wight, or Channel Islands

Fees

The total fee payable to us for the funeral shall be dependent on the package and add-ons you have chosen and inclusive of VAT (the "Fee")

In some circumstances you may also have to pay additional fees:

• for collecting the deceased outside the hours of 9am to 5pm Monday to Friday or on UK Bank Holidays
• Collection of the deceased If not in hospital, hospice, or mortuary   
• the cost of remove of pacemakers or other medical implants prior to cremation where a charge is made.

Services

The Services provided are set out in the Funeral Plan Schedule and the Funeral Plan Services Document

Payment

The Fee must be paid in full before we perform any Services. Payment shall be made by debit or credit card over the telephone during the initial instruction and arrangement call.

If you have made or intend to make an application for a DWP Funeral Payment or any other financial assistance or grant to help you pay for the funeral, it is important to remember that in all circumstances you will still be responsible to us for payment of all the Fees.

Valuables

To avoid the risk of loss or damage to the jewellery or valuables of the person who has died, we would advise that you remove such jewellery or valuables before we bring them into our care. If you decide to leave any jewellery or valuables with the person who has died you will be doing so at your own risk.

You should not assume that we are aware of jewellery or other valuables on the person who has died. Even if we are aware of them, we cannot accept responsibility for their safekeeping.

Our liability to you

If we fail to comply with this Agreement, we are responsible for (and only for) loss or damage you suffer that is a foreseeable result of our breach of the Agreement or our negligence.

Our total liability to you for any breach of this Agreement or negligence relating to this Agreement is limited to a sum equivalent to the total amount payable by you to us under this Agreement.

We do not exclude or limit in any way our liability for:

• death or personal injury caused by our negligence or the negligence of our employees, agents, or external suppliers.
• fraud or fraudulent misrepresentation; and
• any other liability that cannot be limited or excluded by law.

Your statutory rights are not affected by any statement contained in this Agreement.

Personal information

We will use the personal information you provide to us to:

• provide you with the Services.
• process your payment of the Fees; and
• to inform you about our products and services.

You can opt out of this at any time in the future. Other than as stated above, we will not give your personal data to any other third party unless

• we are required to do so by law or regulation; or
• you give us your permission to share your information with other third parties.

For further details of how we may use the personal information you provide to us, please read our Privacy Policy.

General Data Protection Regulation (GDPR)

 

Your information will be stored and processed in accordance with General Data Protection Regulation (GDPR) (EU) 2016/679 in written and computerised form, and 

retained for a period of 7 years in accordance with our organisational policy. The information about you will include your name, address, date of birth, contact details such as telephone numbers or email address, persons giving consent.

 

Right to cancel and refund

Subject to the following, you have the right to cancel this Agreement for a refund within thirty (30) days of payment of the Fee ("Cooling Off Period"). If you wish to cancel this Agreement, this right can be exercised by notifying us within the Cooling Off Period, using the postal address or email address set out in the "How to contact us" section below.

By entering into this Agreement, you authorise us to commence providing the Services during the Cooling Off Period, and acknowledge that we may begin, and where relevant, complete the provision of the Services during the Cooling Off Period.

If you cancel this Agreement during the Cooling Off Period of 30 days without giving any reason you will receive a full refund.

If you cancel after 30 days of the start date, we will refund all monies paid into your plan minus a cancellation fee of £249.00 within 14 working days.  

We will have no further obligation to full fill your plan.  Your plan is not an investment product and does not pay interest on monies refunded.

 

Instalment Payments

By purchasing the Plan and agreeing to pay by instalments, the following rules will apply:

All payments must be made, without fail, within the term agreed on the start of the Agreement. The Plan holder may at their discretion pay an initial deposit.

If you miss one or two instalment payments, the Plan will fall into arrears. We will contact you and request that you bring your Plan payments up to date. If we do not receive the missed payment within 14 days of our request, we will add the outstanding amount onto your final instalment payment. If you have missed three instalments or more, the Plan will lapse and cannot be reinstated. We have the option at our discretion of cancelling the Plan, so that it is no longer valid or effective.

A Plan cannot be reinstated once it has lapsed, however, you can take out a new plan at the then current price of the former Plan.  Any payments already received relating to the former Plan will be transferred to the new plan as a deposit.

If the Plan holder dies before all the instalment payments for the Plan have been paid, we will provide the service in accordance with the Agreement. However, the Personal Representative(s) will be responsible for paying the outstanding instalments due. The outstanding instalments must be paid for in full before the funeral takes place.

If three payments or more have been missed and the Plan has lapsed, the Personal Representative(s) may request, and we may agree (at our sole discretion), to arrange for the funeral to be carried out by the Nominated Funeral Director. The cost of the funeral will be charged at the Nominated Funeral Director’s then current market rate.

Cancellation

You have 30 days from the date you receive the Agreement to decide that the arrangements you have made meet your requirements and that you do not wish to cancel the Plan.

If you do decide to cancel the Plan at any time, you must either:

•notify us by completing and returning the cancellation form entitled “Notice of the Right to Cancel”, which will be included with the documents that make up the Agreement; or

•otherwise notify us in writing, by telephone or by email to:

• Post: Customer Relations Department, Crystal Cremations Ltd, The Old Mill House, Deakins Business Park, Egerton, Bolton, BL7 9RP.

•Telephone: 0800 464 0688

•Email: info@crystalcremations.co.uk

Any notification of cancellation should specify all the following details: (i) the Plan number; (ii) the full name and address of the Plan holder (iii) the Plan holder’s date of birth; and (iv) a telephone number and/or email address for contact purposes, should there be any issue with the cancellation. There will be additional security questions where the Plan is cancelled by telephone or by e-mail.

If cancellation is requested, we will refund all the money you have paid within 28 days of us receiving notification of cancellation.

If in the event the Plan is not used, and cancellation is requested after the death of the Plan holder, we may require additional information from the person cancelling the Plan before we can complete the cancellation.

Any refund will be made to the person who originally paid for the Plan or to the Plan holder’s estate.

We may cancel the Plan by giving notice to you if:

•an instalment remains unpaid more than 60 days after it is due.

•a funeral director is appointed independently by you who is not a Nominated Funeral Director.

•the funeral is to be conducted outside the Covered Areas; or

•the funeral cannot be performed because of circumstances outside our control or outside the control of the Nominated Funeral Director (for example war, terrorism, riot or the occurrence of a pandemic or epidemic).

If we cancel the Plan, we will refund any money you have paid, in full, and we will have no further obligations to provide the services set out in the Plan.

We may make any changes we deem reasonably necessary to the services that are provided under the Plan (including reducing or removing any part of the services or making any other alteration in the type of services provided), as a result of circumstances arising which are outside our control or outside the control of the Nominated Funeral Director (for example war, terrorism, riot or the occurrence of a pandemic or epidemic).

To the extent that we make any such changes so that the services provided under the Plan are of reduced quality or capacity to the original services that would have been provided, we may (at our discretion) adjust the price of the Plan by an equitable amount, and in such case, we will refund any such amount that you have already paid.

If the Personal Representative(s) do not agree to the alternative arrangements, we may cancel the Plan and refund to the Plan holder’s estate any monies paid to date (taking into account any refund due).

Once we commence the Services after the death of the Plan holder, cancellation is not possible.

We will not pay interest on money refunded.

 

Value Added Tax (“VAT”)

VAT is not currently charged on a funeral service. However, if VAT or any other form of tax becomes chargeable on a funeral service or part of it in the future, you or the Personal Representative(s) must pay the VAT or additional tax at the time of the funeral.

If you are paying for any Special Request as part of the Plan, any third party suppliers who provide those goods or services may charge VAT, which we will pay and recover from you, or the Personal Representative(s).

Change of Address

You must notify us of any permanent change of address. If appropriate, we will appoint an alternative Nominated Funeral Director for you.

 

General Terms

1. Anything which is not documented in writing in the Agreement will not be effective. If there is any ambiguity between the documents referenced above, the terms set out in these Terms and Conditions take precedence over the others.
2. English Law shall apply to this Agreement and any disputes will be determined by the exclusive jurisdiction of the Courts of England and Wales.
3. If anything in this Agreement is invalid or unenforceable, this Agreement will be interpreted as if that part were modified or deleted to make it valid and enforceable, and the rest shall remain in force.
4. Any failure to exercise or delay in enforcing our rights (such as our right to cancel the Plan in the event of unpaid instalments), such failure or delay will not restrict our rights to do so, and a waiver of any such rights or of any breach of any term will not be deemed to be a waiver of any other right or any later breach.
5. Any changes must be agreed in writing by us and will not be effective otherwise.
6. The Agreement is personal to you and may not be assigned or made the subject of any trust, mortgage or given as security for any obligation to any third party. Only you or the Personal Representative(s) are entitled to claim the rights or benefits set out in this Agreement.
7. The Nominated Funeral Director may also claim the rights or benefits set out in this Agreement. Otherwise, no other person (including the Plan holder) has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement.
8. These Terms and Conditions apply to all Plans entered from 17/05/2021.

 

How To Contact Us

If you have any questions regarding the Plan, our contact details are:

•Post: Customer Relations Department, Crystal Cremations Ltd, The Old Mill House, Deakins Business Park, Egerton, Bolton, BL7 9RP.

•Telephone: 0800 464 0688

•Email: info@crystalcremations.co.uk

Complaints

We take complaints very seriously and have a separate complaints policy that forms part of these terms. You are directed to that policy for full details.