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Disclosure
Effective July 1, 2012
Payment, financing and funding
Payment
Unless otherwise specified, payment is due upon signing of the contract. Payment may be made by cash, cheque, email money transfers, and most major credit cards. Beyond the allotted time, interest will be charged at a 1.25 % per month (equivalent to 15% per annum).
Funding
For your convenience, we offer two funding options when prepaying services or supplies. When prepaying, you pay for the services and supplies today and the money will be used to pay for the services and supplies when they are delivered at the time of death
Trust
You may pay the money directly to us and we will place it in trust, where it will accrue interest until the contract is fulfilled (when the services and supplies are delivered) or the contract is cancelled.
Insurance
You may purchase an insurance contract where the proceeds of the insurance contract will be used to pay for the services or supplies at the time they are delivered or the contract is cancelled.
Cancellation rights
The purchaser, or someone designated in this contract by the purchaser, may cancel this contract by providing notice of the cancellation in writing to the Provider. A partial or full refund of money paid, if any, may be available based on the terms of this contract and the law. Any refund owed will be issued within 30 days. If this contract meets all of the requirements of the Act and is cancelled within 30 days of this contract date and before any services or supplies have been provided, the Provider will refund all amounts paid under this contract in accordance with the Act. If this contract meets all of the requirements of the Act and is cancelled after 30 days of this contract date and before any services or supplies have been provided, the Provider will refund the amount paid under this contract plus any income earned on the amount paid or that should have been earned on the amount paid if it had been deposited as required, but the Provider may retain an additional 10% of the amount paid to a maximum of $350. If this contract meets all of the requirements of the Act and is cancelled after some of the services or supplies have been provided as directed under the terms of this contract, the maximum refund required will be the amount paid under this contract plus any income earned on the amount paid or that should have been earned on the amount paid if it had been deposited as required, and in some circumstances permitted by the Act the Provider may retain the value of the services and supplies that have been delivered. If this contract fails to meet the requirements of ss.40(1) of the Act, the maximum refund required will be the amount paid under this contract plus income earned on the amount paid or that should have been earned on the amount paid if it had been deposited as required. In some circumstances permitted by the Act, the Provider may retain the value of the services or supplies that have been delivered.
Customized Supplies
Despite the above, if the contract contains customized supplies and the merchandise has been provided prior to the date of cancellation or if The Provider has, at the time of the cancellation, incurred expenses in relation to the provision of the customized supplies, no refund will be provided.
Documents
We proudly serve families across most of Ontario, offering accessible cremation and funeral planning by phone and online.
In-person meetings are available by appointment at our conveniently located establishments.
