Privacy Policy

This is the privacy statement of Funeral Safe Limited (trading as Everstead, Everstead Advance, and FSL). We understand that your privacy is extremely important to you. As a result, we have put in place a number of measures to ensure that any personal data we obtain from you visiting this website or via one of our affiliates is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 2018.

The Data Protection Act 2018 is the UK’s implementation of the General Data Protection Regulation (GDPR). Everyone responsible for using personal data has to follow strict rules called ‘data protection principles’. They must make sure the information is:

  • used fairly, lawfully and transparently
  • used for specified, explicit purposes
  • used in a way that is adequate, relevant and limited to only what is necessary
  • accurate and, where necessary, kept up to date
  • kept for no longer than is necessary
  • handled in a way that ensures appropriate security, including protection against unlawful or unauthorised processing, access, loss, destruction or damage

This statement provides you with details of the type of information we may hold about you, how we obtain and use any information and how we protect your privacy.

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Funeral Safe Limited, Registered company – 09706369. Unit 3, Alton Business Centre, Valley Lane, Wherstead, Suffolk, IP9 2AX. Data protection registration number - ZA211505.

 

Data We May Collect from You

We may collect and process the following data about you:

  • Information that you provide by filling in forms on our site Funeralsafe.co.uk or information provided to one of our affiliates for the purpose of loan application. This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you report a problem with our site.
  • If you contact us, we may keep a record of that correspondence.
  • We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
  • Details of transactions you carry out through our site and of the fulfilment of your orders.
  • Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.

Where is your Data Stored

We recognise the need for appropriate protection and management of the personal and financial information you share with us. We protect that information using secure socket layer (SSL) encryption technology and by limiting employee access on a need-to-know basis.

We store data in encrypted form on computers and control access via secure web pages. We employ firewalls and other security technologies to protect our servers from external attack.

All data is kept within the UK only.

 

Using your Information

The information we collect about you will be recorded electronically and may be used in the following ways:

  • To verify your identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
  • To assess your credit history and confirm your employment details.
  • To make lending decisions and to service our relationship with you.
  • To understand your financial needs.
  • To detect, prevent and investigate actual and potential fraud and money laundering and other criminal activities.
  • To collect unpaid loans and debt that may become owed by you.
  • To develop, manage and market products and services to meet your needs, to contact you for products and services that may be of interest, to determine your eligibility for different products and services that you may be interested in.
  • For statistical analysis, to develop and improve our products, to assess lending risks./li>
  • To help us to administer and service your account with us.
  • To contact you in connection with your enquiry.
  • To offer you other products or services available via or from Funeral Safe Limited.
  • To pass your details to intermediaries who may be able to offer you products when Funeral Safe Limited cannot assist with your enquiry.
  • With your consent, as detailed below, to pass your enquiry to businesses that can assist you with your enquiry into certain products and/or services.
  • To develop, manage and market products and services to meet your needs, to contact you for products and services that may be of interest, to determine your eligibility for different products and services that you may be interested in.
  • To update our website to better meet our clients’ needs in the future.
  • To ensure that content from our site is presented in the most effective manner for you and for your computer.
  • To carry out our obligations arising from any contracts entered into between you and us.
  • To allow you to participate in interactive features of our service, when you choose to do so.
  • To evaluate the effectiveness of our marketing of the Website, to carry out regulatory checks and for market research.
  • To notify you about changes to our service.

In addition to personal and financial information, we may collect information about your computer including your IP address, operating system and browser type. We may pass your personal information to our agents and service providers so that they may use your information on our behalf for the purposes described in this Policy and they may pass information held by them about you to us so that we may do the same.

 

Credit Reference Agencies

In order to process your application, we will perform credit and identity checks on you with one or more Credit Reference Agencies (CRAs). We may also carry out further periodic searches at CRA’s to allow us to manage your account with us.

To do this, we will supply your personal information to CRAs. This will include your name, date of birth and residential address. It may also include additional information such as your salary, previous residential addresses and other information you provide as part of your credit application.

The CRAs will match this information to the records they hold about you, and provide in return, both public information (including the electoral register) and shared credit information in relation to your financial situation and financial history.

CRA’s will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

 

We will use this information to:

  • Assess your creditworthiness and whether you can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, e.g. fraud and money laundering;
  • Manage your account(s);
  • Trace and recover any debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRA’s while you have a relationship with us. We will also inform the CRA’s about your settled accounts. If you borrow and do not repay in full or on time, CRA’s will record the outstanding debt. This information may be supplied to other organisations by CRA’s

When CRA’s receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

 

Fraud Prevention Agencies

If false or inaccurate information is provided and fraud is identified, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities;
  • Managing credit and credit related accounts or facilities;
  • Recovering debt;
  • Checking details on proposals and claims for all types of insurance;
  • Checking details of job applicants and employees;
  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Funeral Safe Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Funeral Safe Limited our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Please contact us if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

 

Disclosure of Your Information

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 736 of the UK Companies Act 1985.

We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Funeral Safe Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Funeral Safe Limited our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

 

Using Your Information for Marketing Purposes

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at Funeral Safe, Unit 3, Alton Business Centre, Valley Lane, Wherstead, Suffolk, IP9 2AX.

We may use your personal data to send you information about our services, as well as products and services offered by our carefully selected partners that we believe may be of interest to you (such as legal advice, funeral planning, pre-paid funeral plans, or related offerings such as the financing of the purchase of the products and services).

 

This may include:

  • Direct marketing communications via email, phone, SMS/text message, or post.
  • Personalised online advertising (including retargeting and interest-based ads) displayed on websites, apps, and social media platforms such as Meta (including Facebook and Instagram) and Google (including Google Ads, YouTube, and the Google Display Network).
  • Use the unsubscribe link in any marketing email or text we send you.
  • Adjust your preferences via our website (if available) or contact us directly.
  • Check or uncheck relevant boxes on forms when providing your data.
  • Our affiliate providers and lead recipients - including law firms, funeral plan providers, funeral directors. These providers use your data solely to contact you about your specific enquiry and to provide relevant product/service opportunities.
  • Advertising and marketing platforms - such as Meta (for Facebook/Instagram ads) and Google (for Google Ads and related services), where we share limited data (e.g., email hashes, device identifiers, or interests inferred from your behaviour) to deliver personalised advertising, measure campaign performance, or retarget visitors. These platforms act as separate controllers and have their own privacy policies (links: Meta Privacy Policy | Google Privacy Policy).
  • Other affiliated companies - such as other companies within our group or closely related entities that assist in delivering our services.
  • Service providers - including IT/hosting providers, analytics tools, email service providers, and other processors who help us operate our website and services (under strict contractual terms).

We rely on your consent as the legal basis for most of these marketing activities (including sharing your data with advertising platforms for personalised ads). We will always seek your consent in a clear and granular way before using your data for these purposes — for example, through dedicated opt-in checkboxes on our forms, during quote requests, or via cookie/consent banners on our website. You will be informed of the specific types of marketing and any third parties involved. We will not sell your information to other third parties or marketing agencies. The types of marketing you can expect to receive from us would be emails and/or SMS notices. We use software solutions provided by Hubspot (HubSpot UK Holdings Limited) to conduct our email marketing activities and they will process some of your personal data to deliver these services.

You have the right to opt out or withdraw your consent at any time, and doing so will not affect the lawfulness of processing based on consent before withdrawal. To exercise this right:

We will inform you (before collecting your data) if we intend to use it for marketing or disclose it to third parties for such purposes. You can also exercise your right to prevent such processing at any time by contacting us at: 

 

Funeral Safe Limited (Trading as Everstead, Everstead Advance, and FSL), 

Unit 3, Alton Business Centre Valley Lane, 

Wherstead Suffolk, 

IP9 2AX 

Email: accounts@funeralsafe.co.uk.

Telephone: 0330 002 0875

 

We may also use your data for our own internal marketing analysis (e.g., to improve our services), based on our legitimate interests - but we always balance this against your rights and provide an easy way to object.

 

Sharing Information with Our Partners and Third Parties

When you submit a request for information, a quote, or any enquiry via our website, forms, or through our affiliates/partners, you are granting permission for Funeral Safe Limited (and our affiliated third parties or service providers – such as Hubspot) to contact you regarding your request.

When we operate as a lead generation service: we collect your contact details and share them with our network of trusted providers to help match you with suitable products and services (e.g., legal firms for wills/probate and funeral directors).

We may share the personal data you provide - including your contact details (name, email, phone, address), details of your enquiry/loan/quote request, and any associated account/reference numbers - with the following categories of recipients:

We only share your data where we have a valid legal basis (typically your consent for marketing/sharing, or legitimate interests for fulfilling your enquiry). We do not sell your data for unrelated purposes, and all recipients are required to protect your information and use it only for the agreed purposes. We may receive a financial or other benefit for the introduction/sharing of your data with these third parties, for example if you go on to take out a product with them/instruct them to provide you with the services relating to your enquiry.

You can ask us not to share your data with third parties for marketing or advertising purposes by contacting us using the details above - we will action your request promptly.

If you'd like more details about specific partners we share data with in a particular case, or to exercise any other UK GDPR rights (access, rectification, erasure, etc.), please get in touch.

 

Sharing Information with Our Partners

When you submit your request for information or quote to us via this website or via our affiliates, you are granting permission to be contacted by Funeral Safe Limited or affiliated third parties. We share the contact and loan request data you submit on the application and Funeral Safe account number information with affiliated companies such as banks, commercial lenders and licensed loan brokers to fulfil loan requests we receive from you, as well as to inform you of product and service opportunities that may be of interest to you. We may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, title service companies, debt & credit services other finance companies.

 

Keeping you Informed

From time to time we would like to contact you by SMS, post, email, telephone or automated message, with offers relating to products of ours which we think you might be interested in.

We may also wish to share some of your information (including all the contact details that we hold for you) with trusted third parties so that they can also provide you with information (using the same methods to contact you) about products and services that might be of interest to you. One of the reasons that we wish to share your data with such third parties, including the application details you have already provided, is that they may be able to offer you a loan in the event that you are unsuccessful in obtaining a loan from Funeral Safe Limited. Other intermediaries and lenders will have their own privacy policies. Please refer to them.

 

Changes to our Privacy Policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.