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Legal Disclaimer

Legal Disclaimer

Last updated: 22 Mar 2021

Section 1 - Purpose of the Site

The content of this site is provided for general information purposes. Selected products and services are offered for sale in designated locations on the site. Elsewhere on this site neither the information nor any opinion expressed on this site is an offer to provide any specific product or service.

Section 2 - Use of Site

Golden Charter Ltd has made all reasonable efforts to ensure the contents of this site are factually correct, current, and complete. However, Golden Charter Ltd cannot accept liability for any loss of any kind incurred as a result of reliance on the information provided in this site or any other website which can be accessed by a link from this site, or the functioning of this site. See below the Linking Policy. The contents of this site are subject to change without notice.

Golden Charter Ltd excludes to the fullest extent permitted by law all liability for any claims, penalties, losses, damages, costs or expenses arising from the use of, or inability to use, this site or from any unauthorised access to or alteration of the site.

This site is established in the United Kingdom and is directed to United Kingdom residents only. Scottish law governs these Terms and Conditions and your use of this website. By accessing this site you agree to submit to the exclusive jurisdiction of the Scottish Courts in relation to any claim or dispute arising out of or connected with your use of the site. If a dispute arises from the purchase of a funeral plan in England, Wales or the Channel Islands the resulting Agreement will governed by the law of England and the parties agree that any dispute will be settled by the English Courts. If the purchase is of a funeral plan in Scotland or Northern Ireland the resulting Agreement will be governed by the law of Scotland and the parties agree that any dispute will be dealt with by the Scottish Courts.

Section 3 - Contact Details

Contact Details for Golden Charter Ltd can be accessed from the Contact Us link on the homepage of this website or by clicking here.

Section 4 - Links to This Website

You may create a link from your website to the home page of this website provided that you do not link to this website from any site containing obscene, defamatory, threatening, inflammatory or degrading material or material which infringes the intellectual property or other rights of any third party or which is otherwise unlawful. By linking to this website, you agree that you have read and agree to be bound by this Linking and Framing Policy ("this Policy"). You agree not to use any trademark of Golden Charter Ltd, or any related graphic, as a link without prior written authorisation from Golden Charter Ltd. If you do create a link to this website, you do so at your own risk and this Policy and Terms and Conditions of Use of this website apply to all use of this website via the link. Links are permitted to the home page only and not to any other pages of this website. Any deep-linking to or framing of this website may only be made with the prior written consent of Golden Charter Ltd. Applications should be made by telephoning 0800 833 800.

You must not misrepresent your relationship with Golden Charter Ltd or present false or misleading impressions about Golden Charter Ltd. Links may not be used in a manner that implies or suggests that Golden Charter Ltd approves or endorses you, your website or your goods and/or services (except as Golden Charter Ltd may have agreed separately with you in writing). Golden Charter Ltd shall have no responsibility or liability for any content appearing on your website. You agree to indemnify and defend Golden Charter Ltd against all claims arising out of or based on your website.

Golden Charter Ltd reserves the right at any time and in its sole discretion to request that you remove all links or any particular link to this website from your website.

Section 5 - Licence

Subject to your compliance with the above terms, Golden Charter Ltd grants you a limited, non-exclusive, non-transferable, royalty-free licence to use Golden Charter Ltd's name solely for the purpose of establishing any permitted link under this Policy. Except for the limited licence to use Golden Charter Ltd's name as set out and otherwise as may be permitted by applicable law, you may not use any of Golden Charter Ltd's trademarks for any other reason without the express written permission of Golden Charter Ltd. Golden Charter Ltd may at any time, at its sole discretion, without cause, terminate the licence to use Golden Charter Ltd's name and your right to link to any pages on this website. In such event, upon request, you agree to immediately remove all links to this website and to cease using Golden Charter Ltd's name for linking purposes. Thereafter, any future links to this website by you will require the express written permission of Golden Charter Ltd. Golden Charter Ltd reserves the right to amend this Policy at any time. By continuing to link to this website, you agree to be bound to and abide by this Policy, as well as the Terms and Conditions of use on this website, as amended from time to time.

Golden Charter Ltd reserves the right to employ all necessary measures at any time to remove any linking to or framing of this website.

Section 6 - Links from This Website

Golden Charter Ltd does not monitor or review the content of websites which can be accessed by a link from this website. Opinions expressed or information provided on any linked sites are not necessarily shared or endorsed by Golden Charter Ltd. Golden Charter Ltd is not the publisher of material appearing on or available via any linked website and will not be held liable for any information, advertising, products or services on or offered from such sites, nor can Golden Charter Ltd guarantee your privacy where you access other websites via this website. Any dealings between you and any third party advertisers or suppliers found on or via this website, including payment for and delivery of products, services and any other terms, conditions, warranties or representations associated with such dealings, are made between you and the relevant advertiser or supplier. Golden Charter Ltd is not responsible or liable for any loss or damage of any kind incurred as the result of any such dealings.

Section 7 - Security Policy

Golden Charter Ltd makes every effort to maintain customer confidentiality and security when making any transactions. This includes taking steps to ensure the security of your credit or debit card details and personal information. Our practice reflects current security standards. If these standards or the law changes our practices and this policy will be updated accordingly. Bank and credit card details provided for purchases online from this site are processed by EDPQ, part of Barclays Bank, and are not viewed or retained by Golden Charter Ltd (single payment and deposits only). EDPQ takes the risk of fraud on the internet very seriously. Their payment system uses state of the art encryption techniques and supports the industry leading anti-fraud systems provided by both MasterCard and Visa. For further information visit the information on online security for shoppers at the EDPQ site.

Section 8 - Data Protection Policy

We respect your privacy and are firmly committed to protecting your information. The law places certain obligations on us and we have put further procedures in place so that the data you provide will only be used in a lawful and fair way and that we will never mislead you about the use of your data. You can be sure that we will never pass on your information to third parties or send you marketing material without your express consent.

Golden Charter Ltd is a Data Processor under the Data Protection Act 1998 and has nominated a Data Protection Officer. Whenever we collect data on our website we will provide you with information on the purposes for which we intend to process the data and any other information which is required to ensure fairness in our dealings with you.

In order to comply with these principles we only use your data for the purposes for which it was provided by you. We do not ask for more information than we need. After a reasonable length of time it is securely deleted. Only a limited number of staff who have been properly trained are able to access the data we hold and we do not pass on or sell any data we have collected.

If you are aged 16 or under you are reminded that you must get your parent/guardian's permission before you provide any personal information to Golden Charter Ltd's website (such as your name and address or email address). Users without this consent are not allowed to provide us with personal information.

You can update your data or ask us not to get in touch with you again, at any time by using the Contact Us section of this website, writing to Data Protection Officer, Golden Charter Ltd, Canniesburn Gate, 10 Canniesburn Drive, Bearsden, Glasgow G61 IBF or by telephoning 0800 833 800. The Act also creates a special right which allows you to gain access to all the data we hold relating to you (i.e. in which you can be identified). This is called a subject access request and must be done in writing providing sufficient information for us to identify you.

If you make a subject access request we will promptly:

Tell you whether we hold any personal data relating to you, the purposes for which those data are being processed and those to whom they are or may be disclosed.

Supply you with a copy of all the information that forms any such personal data.

Requests for subject access should be made in writing to the Data Protection Officer, Golden Charter Ltd, Canniesburn Gate, 10 Canniesburn Drive, Bearsden, Glasgow G61 1BF . We are entitled to charge a fee for dealing with a subject access request - at present the maximum fee is £10.00

Section 9 - Basis of Plan Holder Recommendation

Our customers are more likely to recommend us to friends and family, compared with customers of other plan providers.

Based on independent research on levels of recommendation across providers, Sept 2017 (sample size 152).

Section 10 - Basis for more funeral directors

We have a wider network of funeral director branches than Co-op.

Based on number of independent funeral director branches accepting Golden Charter plans and promoting Golden Charter exclusively as of 31 March 2017 (2147), compared to total number of Co-op Funeralcare funeral homes (1079). Sources: Golden Charter Annual Report 2016/2017 (page 9); Co-op Annual Report 2017 (page 5). The Golden Charter Annual Report 2016/2017 can be found here.

Section 11 - Basis for UK's leading / largest funeral plan provider

Golden Charter is one of the UK’s leading funeral plan providers.

Golden Charter is one of the UK’s largest funeral plan providers.

Based on recent market share of funeral plans sold. For details please see Funeral Planning Authority statistics 2018 and Golden Charter Annual Report 2017/18.

Section 12 - M&S gift card terms and conditions

The incentive is an additional benefit of membership available only to plan holders who use it to recommend a friend to Golden Charter, subject to the following criteria:

  • The offer expires 31 March 2021

  • The claimant must be a Golden Charter plan holder

  • The plan holder or their representative must call us with their friend’s details or complete the recommendation form and return it to Golden Charter or their independent funeral director who sells Golden Charter funeral plans

  • The date of the recommended person’s enquiry to Golden Charter must be later than the date shown on the letter

  • The date of the plan application received as a result of a recommendation must be later than the recommended person’s enquiry

  • The recommended person must take out a Golden Charter funeral plan to be eligible to receive the gift card

  • Incentive not available if the plan is taken out through an intermediary

  • The gift card cannot be claimed retrospectively, used as a discount or exchanged for cash

  • Cannot be used in conjunction with any other offer Your gift card will be sent out between 30 days and four months from the start date of the plan, provided that your friend’s plan remains active and the necessary payments have been received.