Terms and Conditions

Definitions

In these conditions the words listed below shall have the following meanings unless the context otherwise requires: The Company means Iberian Funeral Plans and its corporate bankers BBVA/Santander Bank/Millennium Bank and HSBC and contracted funeral directors. Plan Holder means you or, where you are purchasing the Funeral Plan for the benefit of some other person, that other person. Funeral Plan is the product chosen (Beech, Cedar, Oak or Almond) for provision of service in Spain, Portugal and their offshore islands.

Agreement

No agreement shall exist between you and the Company until the plan application has been signed and dated on behalf of the Company to indicate its acceptance of the proposal, and the deposit paid. When this has been done, this will be the date of the Plan. Signing of our application form implies acceptance of our terms and conditions. Any descriptions or adverts issued by the Company, and any descriptions or illustrations contained in our brochures, are issued or published for the sole purpose of giving an idea of the Funeral Plans offered by the Company. They do not form part of the agreement or have any legal effect

Obligations of the Company

Upon payment for the Plan of the sum shown in the Agreement the Company will provide or procure the services/benefits stipulated in the Plan (when required) upon the following conditions and subject also to the exclusions and limitations detailed below. If any of the Services/benefits stipulated in the Plan are unavailable at the time of the funeral the Company will ensure that substitute services/benefits are provided which are as near as practicable equivalent to the services stated in the Plan.

Exclusions and Limitations

The Funeral service in Spain and Portugal will be held within 24/72 hours and is a direct/unattended cremation (for a Beech Plan) at the funeral director’s discretion or if a Cedar Plan within the provisions of the plan

Instructions for Next of Kin or Executors When Death Occurs

When death occurs you must contact the 24-Hour Bereavement Helpline Number detailed, on the plan certificate/plan cards you have, you will be in touch with professional’s, who will arrange the Companies contracted funeral director for that area and advise on any immediate steps to be taken. Should the Bereavement helpline not be contacted and alternate arrangements be made by the family/next of kin or a third party then the Company will make a refund equivalent to its contracted cost of unattended cremation in that area regardless of the plan in place.

Cremation:

Plans provide for cremation, in Spain and Portugal and no further charges for disbursements will be made except in respect of any legislative amendments, taxe’s, (for example imposition of IVA), disbursement cost increases which may affect the price, and which are outside of the Companies control. 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: If the Plan Holder uses or specifies an alternate Crematorium/Tanatorio or Funeral Director other than those of our contracted funeral director and contracted facilities then the Company will make a refund equivalent to its contracted cost of unattended cremation in that area regardless of the plan in place. The fee charged by the Minister of Religion or Officiate to the extent that it exceeds the amount equating to the difference between a beech & cedar plan after deduction of mortuary days. The definition of a religious service will be defined as a “Committal Service” at the Crematorium/Tanatorio chapel in Spain and Portugal.

Burial:

For plans which provide for Burial, The Company shall be responsible for provision of service specified BUT the plan price excludes purchase of the Burial Plot or Niche together with the on-going rental of the niche/plot. (Charges for disbursements shall apply as above in cremation).

Funeral Director

The Plan provides for the funeral to be conducted by Our Contracted Funeral Director. If the Plan Holder nominates their own funeral director, then additional charges may be due and must be settled by the plan holder’s representative directly with their nominated choice of Funeral Director and all monies paid for the plan will constitute a contribution to the service subject to our administration fees and/or contracted costs for that area. If the plan holder changes their permanent address, you must notify the Company in advance of the change, where upon the Company will have the right to nominate an appropriate alternative Funeral Director.

Plan Transfer

Should the plan holder relocate their permanent residence then they are subject to procedures on death of plan holder (below). It is the plan holder’s responsibility to notify the Company of this change of residential status to ensure transfer of benefits. There are certain changes to the plans with regards to provision of service outside of Spain and Portugal. The Funeral costs and disbursements which are fully covered (as per the plan benefits) for plans carried out in Spain, Portugal and their offshore islands are not guaranteed outside of Spain and Portugal but become a contribution to the funeral costs at the time of provision of service, calculated by cost of plan less our administration charges and there may be additional funds required to be paid to the funeral director over and above the refund/redemption figure payable by the company at the time of death.

Payment by Instalments

As an alternative to making a single payment you may if you wish pay by Instalments (Maximum period 60 months). If you have selected the Instalment Option, your payments should be shown on the Application Form (together with method of payment) and our statement, and the payments constitute a deposit towards the cost of the selected plan. If regular payments are not made or received in accordance with the plan agreement or payment is not completed within the maximum period of 60 months the company reserves the right to cancel the plan. If the Plan has not been cancelled or completed, then in the event of the death of the Plan Holder before all the instalments are paid the Company will dependent on the plan taken out produce a final balance for settlement or confirmation of proposal for payment of the final balance prior to provision of service, should settlement / confirmation not be advised to the company then the company has the right to cancel the service until such time as the balance is paid or confirmation received with regards to payment or make a contribution to costs. Any additional day’s mortuary fees or costs incurred from the funeral director will be charged to the estate. Those clients who elect to pay by Sterling/Card will have the monies deposited in the Companies account at HSBC.

Procedure on Death of Plan Holder

The bereavement line number listed on the plan cards issued and also on the plan certificate must be the first point of contact at the time of death, once the Company has been informed of the death of the Plan Holder and been given such information as is necessary, together with confirmation that the plan member has been confirmed as deceased by a medical practioner and the appropriate certificate issued – The Contracted Funeral Directors will undertake the funeral in accordance with the Specified Plan Benefits.The Funeral Plan may not be used to pay for funeral arrangements carried out by anyone other than the Companies contracted funeral director. It is the customer’s Personal representative’s responsibility to phone the bereavement line number. If this number is not contacted and an alternate funeral director contacted, service will refused and a refund made of our contracted costs for an unattended cremation in that area. Only the documentation presented by the company or their representative/contracted funeral director should be signed (no other documents should be signed wherever death occurs should it be Hospital, Care Home or residential address). If you sign documents not presented by our funeral director, you are legally bound by that signature and no refund or payment towards the difference in costs will be paid by the Company, and the refund will be equivalent to its contracted cost of unattended cremation in that area regardless of the plan in place. The contracted Funeral Director’s charges will be settled by the company in accordance with the plan benefits and plan value (subject to the stated administration costs). In the case of provision of service outside of Spain and Portugal a contribution will be made towards the costs as detailed above. All arrangements for the funeral will be made direct between the Plan Holder’s Personal Representatives and the contracted Funeral Director. The company will provide liason services and communicate with the funeral director on your behalf as necessary, with regards to provision of plan benefits by its contracted funeral director, (subject to settlement of any outstanding balance on instalment plans). Any additions to the specified plan benefits as listed on the plan certificate will be invoiced separately to the Plan Holders Personal Representative or the Plan Holders Estate by the contracted funeral director. The exception being where any additions/changes to the plan are made prior to death and paid for pre-death these will be detailed in special requests.

Administration Charge

We retain an amount from the payment made by you to cover the reasonable administrative overheads and expenses, of running the business for each plan. The administration charge on all plans is included in the plan prices and is equivalent to 20% of the overall cost of the plan value. If a plan is cancelled and a refund requested pre death then refund will be calculated at plan value less 20%, less the cancellation fee. Any requested refund post death as a consequence of no notification of death being advised, or procedures on death not being followed or if a non-contracted funeral director is used will receive a refund amount equivalent of our contracted costs in that area, for unattended cremation regardless of the plan in place.

Cancellation

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 14 days after the Company has signed the Agreement.

All payments made to the date of termination will be repaid to you or your Personal Representatives (without interest). Any cancellation after this period will incur a Cancellation Fee of £395. We will have no further obligation to fulfil your plan. Please note, your plan is not an investment product and does not pay interest on money refunded. Cancellation of your plan must be in writing.

General

The Company cannot be held responsible for the acts or omissions of the Funeral Director appointed, furthermore it cannot be held responsible for the acts or omissions of family, friends or third parties who make alternate arrangements and do not contact the advised bereavement line. All sums received by the Company constitute a pre-payment/deposit towards the cost of the Plan selected in accordance with the provisions of these Terms and are deposited with Our Bankers. 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 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. You may not assign your rights and obligations under the Agreement. Any changes, notice or other information required to be informed to/in these Terms shall be notified by posting on our web site giving you seven days prior notice of the effective date of change in order for us to comply with legal, fiscal or regulatory requirements.

Date 1st February 2022

Reg/Cif IFP-Iberian Funeral Plans LDA 510037275 These terms and conditions are effective from 01.02.2022