Property118 Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.property118.com
(“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
||means an account required to access and/or use certain areas and features of Our Site;
||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Information About Us
- Our Site is owned and operated by Property118 Ltd, a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Our VAT number is 990 0332 34.
- Our Data Protection Officer is Neil Patterson, and can be contacted by email at email@example.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- What Does This Policy Cover?
- Your Rights
- As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
- The right to be informed about Our collection and use of personal data;
- The right of access to the personal data We hold about you (see section 12);
- The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
- The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
- The right to restrict (i.e. prevent) the processing of your personal data;
- The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
- The right to object to Us using your personal data for particular purposes; and
- If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
- For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
- Date of birth;
- Address and post code;
- Business/company name and trading status;
- Number of properties owned;
- Accountants details;
- Contact information such as email addresses and telephone numbers;
- Proof of residence and ID;
- Financial information such as income and tax status;
- Landlords insurance renewal dates;
- Property Portfolio details such as value and mortgage outstanding;
- How Do We Use Your Data?
- All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
- Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- Providing and managing your access to Our Site;
- Supplying our products and or services to you (please note that We require your personal data in order to enter into a contract with you);
- Personalising and tailoring our products and or services for you;
- Replying to emails from you;
- Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by the unsubscribe link at the bottom of all emails;
- Analysing your use of our site and gathering feedback to enable us to continually improve our site and your user experience;
- Provide information to our partner service and product suppliers at your request.
- With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and or telephone with information, news and offers on our products and or We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
- You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
- We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
- Member profile information is collected with your consent and can be amended or deleted at any time by you;
- Anti-Money Laundering information and tax consultancy records are to be kept as required by law for up to seven years.
- How and Where Do We Store Your Data?
- We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using our site and submitting information to Us. If we do store data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR
- Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
- We may share your data with other partner companies in for the purpose of supplying products or services you have requested.
- We may sometimes contract with third parties to supply products and services to you on Our behalf. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
- We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
- In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
- How Can You Control Your Data?
- In addition to your rights under the GDPR, set out in section 4, we aim to give you strong controls on Our use of your data for direct marketing purposes including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails.
- Your Right to Withhold Information
- You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at firstname.lastname@example.org, or using the contact details below in section 14.
- All Cookies used by and on Our Site are used in accordance with current Cookie Law.
- Before Cookies are placed on your computer or device, you will be shown a cookie prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
- Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
- The following first party Cookies may be placed on your computer or device:
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- Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products AND/OR services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
- The analytics service(s) used by Our Site use(s) Cookies to gather the required information.
- The analytics service(s) used by Our Site use(s) the following Cookies:
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- In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
- You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
- It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
- Contacting Us
10:25 AM, 28th March 2016, About 7 years ago
I have copied Dan Trivedi in as he has developed many student properties in Norwich and may have run across this before.
10:49 AM, 28th March 2016, About 7 years ago
Thank you for your comment. I spoke to Dan on Wednesday when he popped in to work, he came across this once last year from all the properties that he purchased. It was another large Norwich investor that I spoke to who suggested that I post on here to see if there was anyone else who had come across this.
There is some interesting research and links on another thread that I have read on here and will look to try and pursue the matter down those channels.
10:52 AM, 28th March 2016, About 7 years ago
Thanks for the tag Neil - Wayne has already contacted me about this issue. Although all ex LHA seem very similar depending on street and time of build covenants may vary. We've come up with this issue but with the NCC & a private trust who carrys the benefit of a similar covenant (can't say it's the same until I see it myself). without giving advise on specifics I don't know the detail of, all I can suggest is work closely with your solicitor about the exact tenant, AST & use Vs the specifics of the covenant. From my experience its normally a mis understood interpretation & can be resolved thanks
11:43 AM, 28th March 2016, About 7 years ago
If a breach of covenant has been breached for over 20 years then it can't be enforced. Very often you can take out an indemnity policy to cover against old and obscure covenants. Premiums are usually less than a couple of hundred pounds.
11:50 AM, 28th March 2016, About 7 years ago
Thanks for the comment Dan. I would concur that it is is misinterpretation of the covenant and will be pursuing along those lines with my solicitor.
11:52 AM, 28th March 2016, About 7 years ago
Reply to the comment left by "Harry Chunk" at "28/03/2016 - 11:43":
Neither of the properties have been student lets for over 20 years. Spoke to a solicitor about indemnity, but it would appear that I am unable to do this now as the council is aware of the implied breach.
20:07 PM, 28th March 2016, About 7 years ago
Would appear that renting to students could well be/ would be a breach of covenant as
a) That the owner shall not use the dwelling to carry on trade/business,
You are using the dwelling as a buy to let/rental business
b) That the owner shall use the property as a single private dwelling house only.
It's occupied by more than 1 family ie multiple unrelated to each other students
9:44 AM, 29th March 2016, About 7 years ago
At the end of the day Covenants are enforceable by way of an injunction.
It's a judgement are Norwich going to pursue an injunction to prevent you doing this?
I would think it highly unlikely.
It is an interesting area.
I had one council charge me a third of the value of a garden plot (14,500) to gain their permission to develop it but the adjacent council gave me the permission for free.
12:01 PM, 1st April 2016, About 7 years ago
Covenants are often odd and outdated and seem to me to reflect the state of the world both locally and generally at the time of their creation.
Our old family home near Heathrow (built late 1800's):
Can't turn it into a toll gate, place to sell beer or a brothel. But could operate as a solicitor or doctor. Didn't say anything about not letting it out (although the bank did) or running any other sort of business such as a butchers.
Our current family home (built 1984 ish):
No external aerials. Whereas the rather cute wychert cottages next door can and having been built before television and radio (or should I say, wireless) were invented unsurprisingly have no such covenant. Houses round the corner built after our home also have no such covenant either however, these later houses are not permitted keep a caravan.
Oh, and we have to cut the grass once (or is it twice?) a week with no allowance for prevailing weather conditions.
One of our BTL's (circa 1960) covenants states that a fruit tree must be kept. The area on which the house was built was mainly apple orchard so I understand why it's there. But now it's mainly new builds and gardens paved over to provide parking for the second family car, ne (neigh?) horseless carriage.
A friend of ours is not allowed to moor an airship.
I am aware that my perspective is narrow and uneducated in mysterious legal ways but I thought that covenants, amongst their objectives are an attempt to keep an area's 'character' and in part a mild form of social engineering (engender neighbourliness).
But some are fixed in the past with questionable relevance in a modern context and often inconsistent with those of an immediate neighbour. Is enforcement is unlikely? Perhaps with the exception of the brothel. Forcing someone cut their moderately well kept lawn would be the stuff of tabloid headlines and the friend can't afford an airship. Although I do remember an attempted purge on caravans in front gardens. People just moved them to their back gardens and some local officialdom was probably told to calm down as a compromise had been reached.
Having said that, it is probably prudent to ensure that one doesn't become liable for repairing the church roof.
I don't lose sleep over the fact that about 10 years ago the apple tree at our BTL gasped its last and fell over in cloud of fungus never to be replaced.
Surely it's better to 'fix' covenants rather than keeping fingers crossed hoping no one notices or taking out insurance policies or relying on blind-eye/tacit approval.
Is anyone in full compliance?
What are the mechanisms/costs for updating/removing covenants?
What is the view of BTL mortgage providers?
(the apple tree's demise was carefully managed and no tenants were harmed during its planned removal. I've noticed it's snowing, so I'm off to cut the grass)
8:59 AM, 2nd April 2016, About 7 years ago
Hi op. I have also recently completed on a ex la house near the uea in Norwich and came across a similar covenant.
As I'm buying as a ltd company this concerned me a little so I asked my conveyances to clarify. Basically it says I shouldn't let the property as individual rooms just using a single ast (it will cover 5 people). The intention is single ast shared situation anyway.
How enforceable this would be I'm not sure as there are landlords operating in the area doing exactly that.
As mentioned earlier Dan Trivedi is our local expert so I have often asked him for advice.
Tbh I'm not concerned and will carry on as normal making sure I keep an eye on buisness and keeping away from beer hung a covenant set in the 70's!