Privacy Policy
BACKGROUND:
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.
Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site
. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
| “Account” |
means an account required to access and/or use certain areas and features of Our Site; |
| “Cookie” |
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; |
| “Cookie Law” |
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003; |
| “personal data” |
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 |
| “We/Us/Our” |
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 npatterson@property118.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?
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.
- 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?
Depending upon your use of Our Site, We may collect some or all of the following personal data (please also see section 13 on Our use of Cookies and similar technologies):
- Name;
- 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?
- We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
- 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.
- You may restrict Our use of Cookies. For more information, see section 13.
- 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 info@property118.com, or using the contact details below in section 14.
- Our Use of Cookies
- Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our products AND/OR We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
- 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:
| Name of Cookie |
Purpose |
Strictly Necessary |
| JSESSIONID |
Used only to collect performance data, with any identifiable data obfuscated |
No |
| __cfduid |
This cookie is strictly necessary for Cloudflare's security features and cannot be turned off. |
Yes |
- 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:
| Name of Cookie |
First / Third Party |
Provider |
Purpose |
| __utma, __utmb, __utmc, __utmt, __utmz |
First |
Google |
Helps to understand how their visitors engage with our website |
| _fbp |
First |
Facebook |
Helps to understand how their visitors engage with our website |
- 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
If you have any questions about Our Site or this Privacy Policy, please contact Us by email at info@property118.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).
- Changes to Our Privacy Policy
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.
Andrew Taylor
8:50 AM, 4th July 2013, About 11 years ago
@ industry observer
Its hard to change solicitors when they have been appointed by the insurance company, and they are in truth representing the insurance company not the landlord. In truth, if I need to go through another hostile eviction, I will do it privately through a company such as Landlord Action already mentioned in this thread.
My tenants moved in 07/07/12 paid one months rent in advance and a deposit, then never paid a penny again, I put my claim through to my insurance provider on 07/09/12 they were finally evicted by a bailiff via a section 8 on 20/03/13. In total process from the first non-payment of rent on 07/08/12 to eviction took 8 months and cost me 8 months rent.
The solicitors appointed were at best disinterested, at worst incompetent. Hindsight is a wonderful thing, and had I known the full drawn out horror of the process I would have gone a different route. But, its a drip drip process, where days drag into weeks, weeks into months. I just look at it as an expensive and stressful learning experience.
Strangely, this is why I do not blame the tenants as much as some. They made it clear they were not paying the rent by mid 07/12, legally I can have them removed with 14 days notice from 07/09/12 - the fact they were allowed to stay in the property until 20/03/13 is totally the fault of the legal system and its participants.
9:08 AM, 4th July 2013, About 11 years ago
Andrew Taylor;
Actually the govt does think that social housing LL should receive direct payments as they have accepted that Social housing LL may apply for direct payment as soon as 2 months of rent arrears have occurred and then recovery of the arrears will occur.
So social housing tenants will never be able to abuse the system apart from obtaining 2 months of rent money to spend; in the knowledge that it will only be recovered slowly from their UC.
Basically an interest free loan of 2 months rent from the DWP!
I can see many HB tenanting renting from HA etc using 2 months rent for other more 'important' things than paying the rent to the social housing provider!
So NOT an ideal situation for social housing providers; but as for PRS LL you are bang on; the DWP doesn't see anything wrong tenants not paying their HB to the LL.
Your experiences with these civil servants must confirm what every PRS LL has ever thought.
The govt has shown its true colours that it has nothing but contempt for the PRS.
So that informs the situation.What will PRS LL do to stick it to the govt.
Exiting the HB market would be the best way of shoving it to the govt.
Source only tenants on whom you can achieve RGI on.
I must admit I am very surprised that these civil servants showed their hand as to how they perceive the PRS.
I'm afraid the PRS will not be assisted by these contemptuous civil servants.
It does not augur well for the roll out of UC.
PRS LL can now see the writing on the wall and will further desert the HB market.
It won't be a good time to be a HB tenant.
There will be lots of property available at HB rates; just won't be available to HB claimants!
I just can't believe why this particular govt treats LL like they are a Labour govt!!?
I'd love to know what informs these civil servant attitudes you have experienced!?
Mind you Senior civil servant are divorced from reality.
They probably think of PRS LL as a load of Rigsby's and therefore to be given short shrift.
When these tenant find themselves homeless; I wonder whether their political masters will view these Civil servants in a very dim light.
The DWP is responsible for the 'successful' roll out of UC and yet they seem to disregard the fortunes of 1.5 million LL and 4.5 million tenants; some of whom are on HB.
I just don't get it.
Surely the PRS is part of the housing crisis solution.
The DWP is not exactly doing itself any favours with its hardly ingratiating attidudes!!.
9:10 AM, 4th July 2013, About 11 years ago
IO; I accept what you say; but you know what I mean even though I don't say exactly as the RGI is obtained.
It is just shorthand for the facility that can be obtained.
I suppose I should be exact; just trying to cut down on the RSI!¬!
9:19 AM, 4th July 2013, About 11 years ago
Andrew just use bestinsurance or Mark's offering via lettingsomething; Mark will provide a suitable link I'm sure!.I can't remember it.
My best insurance RGI policy paid out £10333; I submitted the claim on the 85 th day of the 90 day claim period.
Only did this as the tenant promised she would pay me; so I took it to the wire!!
The RGI solicitors did all the donkey work; I went to court once and tenant was evicted.
10 months in total and I didn't lost a a penny.
Mind you I had to redec after it had been done 12 months previously.
Andrew Taylor
9:27 AM, 4th July 2013, About 11 years ago
Paul,
The meeting with reps from DWP was in 2010 (around then anyway) so things may have moved on. But what was clear was their entrenched Whitehall view on this issue. The department had (and I expect still has)
no sympathy for landlords not passed on LHA by their tenants.
So yes, their advise would seem to be that tenants in receipt of LHA can keep as much of that benefit as the law will allow them. It is not theft in any way as it is their money which they are entitled to. It is up to us as landlords to enforce private contracts me may enter into with a tenant for the provision housing.
This is why I do not do LHA!
Industry Observer
9:30 AM, 4th July 2013, About 11 years ago
Paul
If the Govt is so keen why pay any rent direct to tenants?
I don't want to make it rain on any LLs parade but how much a week/month do you all think is going to be clawed back from ongoing HB payments to pay off the first two months arrears? You all surely don't think it is the full rent, do you?
My guess is it will be like the Court cases I see while awaiting my turn as they deal with the HB cases - about £5 a week unless you have a really good brief and a very sympathetic Judge
@ Andrew
If it was an insurance claim, and if it was with a half decent policy, how come you lost the 8 months rent? If you are prepared to pay a proper premium underwritten by a quality source you can get up to £4000 a month for a year plus 2 months at 50% refurbishment costs.
That is for a premium of about 3% of the rent
Andrew Taylor
9:35 AM, 4th July 2013, About 11 years ago
RGI is now a standard policy on all our new tenancies.
As I think you have mentioned else where, I send all the relevant documentation to the insurance company and get in writing this is sufficient to make a claim.
its not the just the lost rent, but also the removing of the drip by drip increasing stress and feeling of professional failure when you are continually asked "are they STILL not paying you any rent".
Andrew Taylor
9:44 AM, 4th July 2013, About 11 years ago
IO
I have a landlords portfolio insurance product provided by Amlin. Its not particularly cheap, and I am on it because it was apparently the best product not the cheapest.
I am covered for legal costs an rent recovery. Have I been happy with this service - No. Would I recommend to another landlord - No. Will I renew with them - No.
You never know how good an insurance product is until you make a claim, and in this case I have been very disappointed. But, we live and learn!
9:55 AM, 4th July 2013, About 11 years ago
Andrew;
Mate; I have been asked that question repeatedly by my parents!
The look of disappointment on their faces when I confirm they still haven't paid any rent!!
As though I'm the one to blame!
Well I suppose I was for the 1st 3 evictions.
I got RGI for the 4th wrongun tenant
We learn eventually!!
I would query though your RGI methodology.
All I have to do is get the tenant to phone the broker; pay £10 and then the broker calls me back about 45 mins; ans yes or no.
It is a certified check and I am NOT required to carry out ANY other referencing for the policy qualification!
Clearly it makes sense to do other referencing; like LRS, but I don't have to!
It is the lazy LL way to guarantee RGI on a tenant or guarantor.
Now I know that is NOT the professional way; but sometimes you're rushing around and this way does it.
You have a month to take the policy out from the RGI check date.
I have heard and it nearly happened to me; when the RGI company tried it on; that these RGI companies will try and quote other things you should have or should have done and as you haven't the policy is invalid!!
I can see why LL would be cynical about such RGI policies.
Are you absolutely sure what you would have to provide in the event you needed to make a claim.
That is when most LL fail as these stupid RGI companies start producing all sorts of things they suggest you knew about and should have!!
Mine tried it but I soon stopped their silly little games courtesy of best insurance.
jeremy smith
11:18 AM, 4th July 2013, About 11 years ago
It comes to mind that when UC comes in this may well benefit the banking sector alot more than anyone has noticed....
HowSo, you ask !
Well, what happens to any payment made to a bank when the customer is in debt/over the overdraft limit?.....
After adding extortionate fees onto your bank account, to make you WELL over your limit, it then grabs the cash, and pays itself the fees it added on and refuses to let you use any of it for food, bills or rent.
Who suffers? firstly the LL, but of course the poor HB tenant who then gets a bad name for not paying the rent, and ends up in rent arrears...
Who Gains? The bank, clawing back some money from it's customers!
They must be rubbing their hands together in glee, waiting for this to come in nationwide!!!
....Moral of the story: People in Government making up rules so that they, and their banking friends can take even more money from us, making them richer and us poorer.
PS. I'm not really defending HB tenants !