WHO WE ARE?

21st Century Funeral Service strongly believes in protecting your privacy and the confidentiality of your personal information. In order to explain how 21st Century Funeral Service collects, uses and protects personal information, we have developed this privacy policy. Personal information is any combination of information, in the possession of, or likely to come into the possession of 21st Century Funeral Service that can be used to identify, contact, or locate a discrete individual (“Personal Information”) and will be treated in accordance with this privacy policy. This includes any expression of opinion about such individual. Any information which cannot be used to identify a discrete individual (such as aggregated statistical information) is not personal information.

THE PURPOSE OF COLLECTION OF INFORMATION

We collect and process your personal information mainly to provide you with access to our services and products, to help us improve our offerings to you and for certain other purposes explained below.

• Website usage information is collected using “cookies” which allows us to collect standard internet visitor usage information.
• We collect information directly from you where you provide us with your personal details, for example when you purchase a product or services from us or when you submit enquiries to us or contact us.
• Where possible, we will inform you what information you are required to provide to us and what information is optional.
• We also collect information about you from other sources as explained below.
• With your consent, we may also supplement the information that you provide to us with information we receive from other companies Website usage information is collected using “cookies” which allows us to collect standard internet visitor usage information.

HOW WE USE YOUR INFORMATION

We will use your personal information only for the purposes for which it was collected or agreed with you, for example:

• • To provide our products or services to you, to carry out the transaction you requested and to maintain our relationship;

• • For underwriting purposes;

• • To assess and process claims;

• • To conduct credit reference searches or verification;

• • To confirm and verify your identity or to verify that you are an authorised user for security purposes;

• • For operational purposes, and where applicable, credit scoring and assessment and credit management;

• • For the detection and prevention of fraud, crime, money laundering or other malpractice;

• • For debt tracing or debt recovery;

• • To conduct market or customer satisfaction research or for statistical analysis;

• • For audit and record keeping purposes;

• • In connection with legal proceedings.

• • We will also use your personal information to comply with legal and regulatory requirements or industry codes to which we subscribe or which apply to us, or when it is otherwise allowed by law

DISCLOSURE OF INFORMATION

We may disclose your personal information to our service providers who are involved in the delivery of products or services to you. We have agreements in place to ensure that they comply with these privacy terms. We may share your personal information with, and obtain information about you from:

• • Third parties for the purposes listed above, for example credit reference and fraud prevention agencies, law enforcement agencies;

• • Other insurers to prevent fraudulent claims;

• • Other companies, when we believe it will enhance the services and products we can offer to you, but only where you have not objected to such sharing;

• • Other third parties from whom you have chosen to receive marketing information.

• • We may also disclose your information: o Where we have a duty or a right to disclose in terms of law or industry codes; o Where we believe it is necessary to protect our rights.

INFORMATION SECURITY

We are legally obliged to provide adequate protection for the personal information we hold and to stop unauthorised access and use of personal information. We will, on an ongoing basis, continue to review our security controls and related processes to ensure that your personal information is secure. Our security policies and procedures cover:

• • Physical security;

• • Computer and network security;

• • Access to personal information;

• • Secure communications;

• • Security in contracting out activities or functions;

• • Retention and disposal of information;

• • Acceptable usage of personal information;

• • Governance and regulatory issues;

• • Monitoring access and usage of private information;

• • Investigating and reacting to security incidents.