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.
Neil Patterson
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Sign Up13:54 PM, 22nd April 2014, About 11 years ago
Hi Robert,
I am intrigued by how self employment can help as from my past experience that normally precludes you from any/all state assistance.
Robert M
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Sign Up22:06 PM, 22nd April 2014, About 11 years ago
Hi Neil
It's basically meeting the working 16/24 hours rule, as this then means that you are not subject to the Benefit Cap. What many people don't realise is that you don't have to get a job, as self-employment counts, and the great thing about this is that the self-employment does not have to be profitable (so no penalty if the person is rubbish at it), and it is self-declared hours so nobody checks how many hours you do (and of course time spent on training, paperwork, travelling, etc can all count as part of the hours anyway).
Self-employment from home can be set up for about £100, and there are lots of options. It does not matter if the person is unskilled so long as they can read and write, then they can set up a very simple business, for very little money, and this will save them a small fortune in lost benefit and thus protect them from rent arrears and eviction.
The best self-employment option (suitable for just about anyone) I've found for this is https://www.utilitywarehouse.co.uk/?exref=J81760 just click on the "earn with us" link at the top of the page. This is so good and simple I am a distributor for them, but if people don't want to do this particular self-employment then there are also other options like Kleeneze, Betterware, Avon, etc, which are all quite simple to do (but unfortunately do not give the ongoing residual income).
Declaring self-employment, (if you have no, or very low, net profit from it) will actually increase the household income because the household then gets extra Working Tax Credit (WTC), and they can still get full Housing Benefit (HB). There are also a mass of things (expenditure) you can potentially offset against any gross profits, (computer, some car running costs, part of household bills (for running your office from home), public transport, parking, etc, etc) and this keeps your taxable income (income that WTC & HB take into account) down to a level that enables you to get the maximum WTC & HB, AND not be subject to the Benefit Cap.
This means that when someone starts self-employment, they don't need to worry about the build up period when the business is not making a profit as they would still get welfare benefits (more than when simply unemployed) AND they would not be subject to the Benefit Cap. Of course when their business starts to make a decent net profit, then the net profit income would reduce their welfare benefits.
Therefore, in relation to the Benefit Cap and it's effect on Housing Benefit and thus the tenant's ability to pay the rent, self-employment (even if non-profitable) will benefit your tenants and also you as their landlord.
The same principle can also apply to some people who are subject to immigration rules (i.e. overcoming the Housing Benefit restrictions).............. but perhaps this is a separate topic?
Don Holmes
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Sign Up11:34 AM, 23rd April 2014, About 11 years ago
Hi Rob
this is all very interesting and helpful, you will note from my 118 profile I run a lettings franchise group and we have many LHA claimants, I would be interested in knowing where you are in the country and what you are now doing as your talents are something we could use.
Maybe you could contact me direct, don@godirectlettings.com
Thanks Don
Robert M
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Sign Up23:18 PM, 23rd April 2014, About 11 years ago
Hi Don
I'm based in North Nottinghamshire. I set up and run an independent housing association (not reliant on government grant funding). I manage about 60 tenancies, including family lets and HMO accommodation. Most of my tenants are LHA/Housing Benefit tenants (or licensees).
Colin McNulty
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Sign Up6:18 AM, 27th April 2014, About 11 years ago
Ooh some nice tips there Robert!
> changing the household composition in some cases
I'm guessing this is if there's another adult in the household, e.g. a kid that's turned 18 and is eligible for their own independent claim, or a brother or uncle or father living with the family?
Robert M
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Sign Up22:58 PM, 27th April 2014, About 11 years ago
Reply to the comment left by "Colin McNulty" at "27/04/2014 - 06:18":
Hi Colin
Yes, it may be possible to change household composition when there is more than one adult member within the household, e.g. adult children or extended family members. The options available would be specific to the particular household, but quite often households are not aware of the options, or even if it does cross their mind they may need help to make the necessary changes that would protect their tenancies.
MoodyMolls
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Sign Up16:14 PM, 29th April 2015, About 10 years ago
Hello Robert
I have a lha person who has a daughter and child living within the house makeup.
Would it be possible to create two tenancies one for the child and daughter (mum) and one for the daughters mother and other 2 children. When I approached the council on something similar they said it was contrived.
I was about to fill in a NB5 to evict as rent arrears but thought I would look at this option first.
Any help would be greatly appreciated
Robert M
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Sign Up18:48 PM, 29th April 2015, About 10 years ago
Reply to the comment left by "KATHY MILLER" at "29/04/2015 - 16:14":
Hi Kathy
If they are already part of the household, then trying to alter the tenancy would probably be considered to be contrived. If the adult children were not part of the household, and currently lived elsewhere, but were thinking of moving in with family, then issuing a new tenancy for the new household composition would not be contrived as you would simply be issuing a new tenancy to take account of the new circumstances, but this would still be ONE tenancy (a joint tenancy with the adult child), not two separate tenancies for the same address.
However, it does sound like they would probably be entitled to the 4 bed rate of LHA with their current household composition, so check that this is what they are getting (I cannot say for sure without knowing the ages and sexes of all household members, but you can check the bedroom entitlement on the LHA-Direct website). If the 4 bedroom rate of LHA is not enough to cover the rent you charge, then the chances of them ever being able to afford the rent is slim and their rent arrears are likely to increase as time goes on.
However, this scenario is very different to the "benefits cap" issue that this post was originally about. Are your tenants also affected by the benefit cap? or are you just wondering about the feasibility of splitting the tenancy into two separate tenancies?
MoodyMolls
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Sign Up6:31 AM, 30th April 2015, About 10 years ago
Hi Robert
Thanks for reply. No currently the benefit cap does not effect them possibly will after May 8th.
Bur could you please explain when two tenancies within one household is permitted.
I have read that many landlords do this .
Yes they do claim the 4 bed rate but deductions are being taken for non dependants. One of the children got a job and they took 400 from the housing benefit. The tenant tells me that she is earning bet 700-900 per month.
They say they are unable to topup. The mother suffers with depression and it can be months before I get any replies from them.
Robert M
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Sign Up23:10 PM, 4th May 2015, About 10 years ago
Reply to the comment left by "KATHY MILLER" at "30/04/2015 - 06:31":
Hi Kathy
As far as I know you cannot have two tenancies for one household (one address). I suspect you may be confusing this with two Housing Benefit claims within one household, which is possible in some circumstances, but would be where there is a joint tenancy between two adults who are not a "couple". In this situation the total rent charged would be apportioned between the joint tenants and each Housing Benefit claim would be assessed based on that apportioned share of the rent. The joint tenants can be related adults, e.g. mother and adult daughter, but only if the tenancy started on this basis, or the second adult joined the household at a later date and a new joint tenancy was issued AT THAT TIME. It cannot be where the second adult (e.g. adult child) is already part of the household and has already been classed as a non-dependent. Thus, it does not help your current situation with your existing tenant and her family.