Central England Co-op Funeral Plans

Privacy Policy

Privacy Policy

Central Co-op Funeral Plans Ltd
Last Updated: 18th June 2026

Introduction

This Privacy Notice tells you about how Central Co-op Funeral Plans uses personal data.
There’s a lot of information in this notice but we want you to be properly informed about how Central Co-op Funeral Plans uses your data, what your rights are and how you can exercise them.
We’ll need to update this Privacy Notice from time to time. Please check the date of the latest change on our website.

If you have any questions that aren’t answered below, please get in touch.

Who are we?

Central Co-op Funeral Plans is a trading name of Central England Co-operative Funeral Plans Limited which is part of the Central England Co-operative Ltd Group. OurCoop and FuneralCoop are trading names of Central England Co-operative Ltd Group. Central England Co-operative Funeral Plans Limited is referred to as we, us, our, or Central Co-op Funeral Plans in this privacy notice.

Central England Co-operative Funeral Plans is authorised and regulated by the Financial Conduct Authority and is registered on the Financial Services Register under number 963168. Registered Address: Central House, Queen Street, Lichfield, Staffordshire, WS13 6QD. Telephone: 01543 414140. Calls may be recorded for monitoring and quality purposes.

When we can use your personal data

  • Data protection law sets out a number of grounds on which we may process your data and we must
  • tell you which apply. These are called the ‘legal basis’ and include:
  • Contractual obligation, which means that we need to use your data for the purposes of a contract you’ve agreed, either with us or a third party, or you’ve agreed we can use the data before entering into a contract. For example, when you take-out a funeral plan with us.
  • Legal compliance, which means we need personal data to comply with the law. For example, when we need information to help us accommodate individuals with a disability or when a law enforcement agency requires us to pass on details of witnesses to a criminal incident.
  • Legitimate interests, which means we’ll use your data to help us run our business in a way that might reasonably be expected, and which doesn’t have a material effect on you. For example when we analyse data to keep up with trends or when we personalise communication for you. 
  • Consent, which means you have given us your permission. For example, when you tick a box to consent to us contacting you by email. When you give us your consent you may also withdraw it at any time.

Personal data we collect and use

We collect the information we need to respond to an enquiry, set up a pre-paid funeral plan or record your funeral wishes. This includes:

  • Your name, address, other contact details and date of birth
  • Your membership number for OurCoop and details of any membership cards if you present them.
  • The name, address, other contact details and date of birth for the person(s) whose funeral(s) the plan will apply to
  • The name of your nominated representative if you nominate one, and consent for us to contact them
  • Orders, charges and payments on your account
  • Payment information, when you make a payment by credit/debit card and bank details if you pay by direct debit or bank transfer. If you do not want us to hold your debit or credit card information please contact us at support@funeralplanning.coop
  • Any other personal data you provide to allow us to make arrangements that meet your requirements which may, for example, include choices of dates, venues, celebrants, memorials, inscriptions, service preferences, religious beliefs (which are referred to as your Funeral Wishes) and arrangements to accommodate individuals with a disability
  • Your communication and marketing preferences
  • Personal data contained in any communication you may enter into Special category data is personal data which the law says is more sensitive and so needs more protection.

For example, information about an individual’s race, ethnic origin, religion or health are all considered special categories of data. The special categories of personal data we might process are:

  • Religious preferences: We use this to ensure any religious funeral preferences you have are met
  • Any health conditions we are informed of: This information will be used to improve our service and allow us to provide potentially vulnerable customers with the support needed

We may also monitor or record telephone calls to:

  • help us monitor the service our colleagues provide
  • investigate and resolve complaints
  • identify training needs
  • ensure we can monitor and adhere to regulatory and quality standards

Calls recorded will normally be held for 42 months. We may also use recorded calls for analytical purposes to understand the call’s nature.

When we’re informed of something that could make you vulnerable in some way, we may securely record it for future reference if that’s the right thing to do. This is only the case when we are clearly told about a vulnerability. We do this so we can carefully plan how to ensure someone is not disadvantaged in any way.

How we use your personal data

To handle enquiries and orders, to liaise with you, to provide information required by a crematorium, burial site or service venue, to fulfil your order and to process payments on
the grounds of contractual obligation.

  • To request feedback on our service on the basis of our legitimate interest in developing our business.
  • If you’re a member of OurCoop and present your membership card, we collect information and use it as set out in the membership section of their Privacy Notice.
  • We may send you information about our products and services when you have consented to this. We’ll create a profile of your interests and preferences so that we can contact you with information most relevant to you.
  • To make arrangements to accommodate individuals with a disability on the grounds of a legal obligation.
  • To plan for a funeral in line with your religious preferences on the grounds of contractual obligation and your explicit consent.
  • If you purchase a service online, we’ll collect additional information such as your IP address and any session details.
  • To deal with communications including enquiries, complaints and compliments on the grounds of our legitimate interest in managing our relationship with you.
  • We use non-identifiable information about purchases for statistical analysis and business planning, for instance to identify trends, to schedule our resources, to improve our products and services and to develop new ones. We do this on the grounds of our legitimate interest in continually improving service to our customers.

Who we share your personal data with

If you have a nominated representative we will share information about your funeral plan with them, such as the existence of the plan, its features and how to make a claim in the event of your death.

Sometimes we share your personal data with organisations we trust to process it on our behalf. They may only use this data for the purpose we agree with them unless they are required by law to process your personal data for other purposes. For example, Central Co-op assist with the sale of funeral plans and the sales administration

We may also need to share your personal information with other organisations or individuals:

Identity and credit reference agencies: To help us fulfil our anti-fraud and money laundering obligations.
Regulators: We may need to share your information with the Financial Conduct Authority for example, to evidence our compliance or assist them in any investigations from any complaints made about us.
Insurance Companies: When we receive the full payment for your Funeral plan, we will take out an insurance policy in your name. This ensures we are able to provide the benefits of the funeral plan in the event of your death, e.g. Royal London Mutual Insurance Society Limited (Royal London Policy).
Our professional advisors: We may need to share information with our auditors, legal advisors and other professional advisors when they need it to give us their professional advice.
Public authorities, agencies and government bodies: We may be required to share your information with bodies such as the police, courts, DVLA or HMRC.
Banks and financial institutions: When you pay by direct debit, we’ll share your payment details with the relevant banks.
Card payment services: When you pay by credit/debit card, we pass your payment and card details securely to our card payment service provider. We do not keep your card details.
Debt recovery companies: If any overdue amount is not paid, we may share your personal information with a debt recovery agent.

How long we keep your personal data

We’ll keep your personal data only for as long as is necessary for the purposes described in this notice, including where it is needed to comply with our legal obligations, to resolve disputes or to enforce agreements. This means we may keep your personal data for up to seven years after the funeral or redemption/cancellation of a pre-paid funeral plan, unless we’re legally required to keep it for longer. Certain cremation records must be kept for 15 years.
We don’t keep credit or debit card details.

Where we process personal data

Your personal data won’t be transferred or processed outside the European Union unless stated.

Your rights

All individuals who engage with us have data subject rights relating to the processing of their personal data. These are the rights that apply to your personal data held with us:

  • The right to be informed – you have the right to know what information we hold and process about you which is why we have provided this Privacy Notice.
  • The right of access – you have the right to ask for a copy of the information we hold regarding yourself.
  • The right to rectification – you have the right to ask for us to correct any information we hold which may be inaccurate or incorrect.
  • The right of erasure – you have the right to have your personal data ‘erased’ in the following situations:
  • Where the personal data is no longer required for the purpose(s) for which it was originally collected or processed;
  • Where the processing was based on consent and you have withdrawn your consent;
  • When the personal data was unlawfully processed; and
  • When the personal data has to be erased in order to comply with a legal obligation.

We will erase your records when one of the above situations apply.

The right to object – you have the right to object to the processing of your personal data in the following circumstances:

  • The purpose of the processing activity is direct marketing;
  • Where the processing is based on legitimate interests; and
  • Processing for the purposes of scientific/historical research and statistics.
  • The right to restriction of processing – you have the right to ask us to restrict the processing of your personal data in certain situations such as:
  • Where you contest the accuracy of your personal data, we will restrict the processing until you have verified the accuracy of your personal data;
  • When processing is unlawful, and you oppose erasure and request restriction instead; and
  • Where we no longer need the personal data, but you require the information to establish, exercise or defend a legal claim.
  • The right to data portability – You have the right to request that we transfer your personal data to a third-party. This right only applies to automated personal data which you have either provided your consent for us to use or where we have used your personal data to perform a contract with you.
  • Rights in relation to automated decision-making including profiling – you have the right to question decisions being made about you without any human involvement.

If you would like to exercise any of these rights, please contact us at: support@funeralplanning.coop 

Changes to this Privacy Notice

We may update this Privacy Notice at any time, and we will provide you with a new privacy notice when we make any substantial updates. We may also notify you in other ways from time to time about the processing of your personal information.

If you have any questions in relation to this notice, please contact our DPO at: support@funeralplanning.coop 

Not Happy?

Please let us know if you are unhappy with how we have used your personal data by contacting our DPO. You have the right to lodge a data protection complaint with us, should you be unhappy with the way we have processed your personal data. Should you wish to make a complaint, this can be done by contacting us in the following ways:

Email: support@funeralplanning.coop 

If we receive a data protection complaint, we will respond to you within 30 days.

You also have a right to complain to the Information Commissioner’s Office (ICO). You can find their contact details below. We would be grateful for the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Address:         Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow Cheshire SK9 5AF

Telephone:     0303 123 1113

Still have questions?

If you would like to speak to one of our team, you can call us on 01543 421378 or fill in our contact form, we'd be happy to help.

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