We are a supply member of the Society of Allied & Independent Funeral Directors (SAIF) and the National Association of Funeral Directors (NAFD) and subscribe to their current Codes of Practice, copies of which are available upon request. We aim to act in a professional manner and provide courteous, sensitive and dignified service to you. 1) Estimates and Expenses Our estimate sets out the services we will agree to supply. This estimate is an indication of the charges likely to be incurred on the basis of the information and details we know at the date of the estimate. While we make every effort to ensure the accuracy of the estimate, the charges are liable to alteration, particularly where third parties change their rates or charges. We may not know the actual amount of third-party charges in advance of the funeral; however, we give you the best estimate of such charges in the written estimate. The actual amount of the charges will be detailed and shown in the final account. If you amend your instructions we will require your written confirmation of the changes. We may need to make an extra charge in accordance with prices published in our current price list. We will add VAT to our charges, where applicable, and at the rate applicable when we prepare the invoice. 2) Payment Arrangements. The funeral account is due for payment within thirty days of our account unless otherwise agreed by us in writing or The Probate Bureau Ltd is administering the estate. If you fail to pay us in full on the due date we will be entitled to charge you interest –  at a rate of 14% per annum –  calculated (on a daily basis) commencing 30 days from the date of    our account until payment; – before and after any Judgement (unless a Court orders otherwise), we   will be entitled to recover (under clause 3) the cost of taking any legal   action against you. 3) Indemnity You are to indemnify us in full and hold us harmless from all expenses and liabilities we may incur [directly or indirectly including financing costs and including legal costs (irrespective of whether proceedings are issued or not) on a full indemnity basis] following any breach by you of any of your obligations under these Terms. This means that you are liable to us for losses we incur because you do not comply with these Terms. For example, we will charge you an administration fee where we receive a cheque from you which is subsequently not honoured or if we write to remind you that an account is overdue. If we instruct debt collection agents we may also recover from you the fees we incur. Further details regarding these fees are available on request. We may claim those losses from you at any time and, if we have to instruct solicitors, we will ask you to pay our legal costs. 4) Data Protection Words shown in Italics are defined in the Data Protection Act 1998 (“the Act”) We respect the confidential nature of the information given to us and, where you provide us with personal data (“data”), we will ensure that the data will be held securely, in confidence and processed for the purpose of carrying out our services. In order to provide our services we may need to pass such data to third parties and those third parties, who are performing some of the services for you, may contact you directly. Under the Act, you have the right to know what data we hold on you and you can, by applying to us in writing and paying a fee, receive copies of that data. 5) Cooling-off Period The Cancellation of Consumer Contracts made in the Consumer’s Home or Place of Work etc Regulation 2008 may give you the right to terminate this agreement in the cooling-off period of seven days. If you wish the performance of the agreement to which this right applies to commence before the end of the cooling-off period, you must sign the authority in the form which will be handed to you. In the event that you exercise the right to cancel this contract during the cooling-off period, you will be required to pay a reasonable amount for the goods and services already supplied. 6) Termination This agreement may also be terminated before the services are delivered: By us if you fail to honour your obligations under these Terms and By you communicating to us in writing, terminating your instructions. If we or you terminate your instructions you may, depending upon the reasons for termination, be asked to pay a reasonable amount based upon the work carried out up to the time your termination is received. 7) Standards of Service The National Association of Funeral Directors Code of Practice requires that we provide a high-quality service in all aspects. If you have any questions or concerns about the service we provide to you, please raise them in the first instance with our designated senior person. If that does not resolve the problem to your satisfaction the National Association of Funeral Directors through the Funeral Arbitration Scheme (FAS) provides a low-cost dispute resolution service, as an alternative to legal action. You can contact the FAS at 618 Warwick Road, Solihull, West Midlands B91 lAA. The FAS, and how it can be accessed, is explained in the leaflet entitled “Your Right To Put It Right” made available to you and on display on our premises. The FAS provides independent conciliation and arbitration through IDRS Ltd, a wholly-owned subsidiary of Chartered Institute of Arbitrators. All dates and times provided on the estimate cannot be guaranteed until final bookings are made and confirmed. Although we endeavour to provide prompt and efficient service for you, there may be instances where, because of circumstances beyond our control, we are unable to fulfil our obligations to you on the date or time specified. Where this is the case we will attempt to contact you in advance, using the details overleaf, and advise you of alternative arrangements. 8) Agreement Your continuing instructions will amount to your continuing acceptance of these Terms of Business. Your instructions will not create any right enforceable by virtue of the contracts (Rights of Third Parties) Act 1999 by any person not identified as our client. If any of these terms are unenforceable as drafted: -it will not affect the enforceability of any other of these Terms; and -if it would be enforceable if amended, it will be treated as so amended. Nothing in these Terms restricts or limits our liability for death or personal injury. This agreement is subject to English Law. If you decide to commence legal action, you may do so in any appropriate UK Court.