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.
BTL INVESTOR SCOTLAND
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Sign Up7:57 AM, 26th July 2015, About 10 years ago
It would be good if we could find a way of getting our tenants on our side. One way of doing this is to encourage them to write to their MPs expressing their concern. Here is a template that could be used.
Dear MP
Restricting finance cost relief for individual landlords
I am a tenant in the private rented sector and have heard about the Government’s proposal to restrict finance cost relief for individual landlords.
My landlord has explained to me the consequences of this measure for landlords and I am concerned that my landlord may need to significantly increase my rent or sell my home to pay the much higher tax bill that he/she will be required to pay.
I understand from my landlord that there is a very real risk of the supply of private rented housing declining as a result of the Government’s proposal and that some landlord’s could be made bankrupt. At a time when many people cannot afford to buy a home and there is a limited supply of social housing, the Government should be supporting the private rented sector, not bringing forward proposals that will restrict supply and possibly result in some tenants being made homeless.
Renting privately is my tenure of choice as I like the flexibility it offers. The Government’s proposal to restrict finance cost relief is causing uncertainty for landlords and tenants and I would ask you to take the matter up directly with the Chancellor and ask that he withdraws his proposal.
I look forward to hearing from you.
Moffard John
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Sign Up8:27 AM, 26th July 2015, About 10 years ago
BTL...good idea in principal but this could potentially backfire as this may instigate chancellor to Cap current rents in which case we may get clobbered.
"Every cloud has it's own silver lining"
Renovate To let
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Sign Up8:33 AM, 26th July 2015, About 10 years ago
We do need to make the point strongly that in being driven by taxation to sell, we will need to secure vacant possession in order to receive a decent selling price (open market rather than the vestiges of the 'destroyed' private landlord market).
Therefore a mass of tenants will be out on their ear solely as a result of government taxation changes.
Monty Bodkin
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Sign Up8:43 AM, 26th July 2015, About 10 years ago
Reply to the comment left by "Lorraine W" at "26/07/2015 - 03:12":
Good point Lorraine.
Going further, between 1986 and 2012, 57 per cent of all new dwellings created were private homes to rent.*
They were built to let.
How many landlords will be buying new builds in future?
*http://www.cityam.com/220861/bashing-buy-let-landlords-will-push-rents-and-hit-uk-economy-hard
Dr Rosalind Beck
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Sign Up9:05 AM, 26th July 2015, About 10 years ago
Reply to the comment left by "BTL INVESTOR SCOTLAND" at "26/07/2015 - 07:32":
Thanks BTL.
A few points have been made earlier on this thread which are relevant.
1. That the petition shouldn't have any organisation's name on it, but just be the usual 'we, the undersigned.'
2. As it could be extremely important, we need as much consensus as possible on the wording.
3. I came up with the expression 'landlord tax,' but others came up with some better ideas, leading on from this - like 'turnover tax', 'confiscatory tax' and so on - and these were good because it was felt, rightly, that if the word 'landlord' was in it, fewer people would have sympathy for it... I'm not sure this is the same, however, with regard to the petition - it depends if we are going to try and get other groups/individuals who are not our natural allies to sign it....
We have some time, so we can iron out these things so make the petition the best it can be. Thanks for passing it on to your association in Scotland.
Dr Rosalind Beck
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Sign Up9:10 AM, 26th July 2015, About 10 years ago
Reply to the comment left by "Lorraine W" at "26/07/2015 - 03:12":
Yes, Lorraine, my experience is the same. We have a combination of tenants who could probably never afford to buy and have never expressed that ambition and/or young people who are far from wanting to commit to one area - notably students and tenants in their 20s in general.
I think the Government often acts with London in mind and applies their conclusions to the rest of the country.
There needs to be proper research (not little questionnaires producing simplistic statistics) - the whole issue of FTBs or would-be FTBs, owner-occupiers and renters... I think the Government is making yet another false assumption, as you say, that all renters want to buy.
And, like you, we have never been in any competition with first time buyers and we have often spent months sorting out decrepit houses to get them fit to rent. The only time I remember being in competition with anyone (and the estate agent was clever, lining up viewings so that we'd see the next potential buyer as we left!) was in larger student-type accommodation where only other BTL investors would be interested.
Dr Rosalind Beck
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Sign Up9:32 AM, 26th July 2015, About 10 years ago
Reply to the comment left by "BTL INVESTOR SCOTLAND" at "26/07/2015 - 07:57":
Yet more lateral thinking BTL! I will have a think about which tenants would be the best ones to approach. There is a thin line between getting them to help with this and unsettling them. Someone on this site told two sets of tenants she was going to have to put the rents up as a result of this policy and they promptly gave notice!
But your idea has led me on to another one, which I think is also really good (I don't believe in false modesty); namely, to phrase the e-petition in such a way that we can get tenants to sign it too! That will massively increase the numbers we can get. So, we just have to include a phrase about the rent rises, bankruptcies etc which lead to tenants possibly being homeless (can't think clearly yet - need my caffeine). Anyway, I think this is an exciting way to go and your letter to tenants' idea is what led me to this one. Teamwork!
Mark Alexander - Founder of Property118
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Sign Up11:05 AM, 26th July 2015, About 10 years ago
Shouldn't the e-petition be worded to appeal to homeowners, landlords and tenants ? That way it will be much easier to exceed 100,000 signatures. Every landlord has at least one tenant so that more than doubles the figures immediately. Every landlord also knows homeowners.
People sign petition due to a fear of loss, I think we should play on that ....
Homeowners could be trapped in negative equity if property prices crash
Renters will struggle to find property to rent, hence rents are likely rise rise in line with demand. Less social housing will be developed if landlords are discouraged from investing into new build property.
Landlords ........ well I don't think I need to spell that one out!
.
Moffard John
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Sign Up11:22 AM, 26th July 2015, About 10 years ago
I have heard some rumours that, Osborne is contemplating to Tax the whole of value of property going forward as opposed to pure "Capital Gains"
Example, you bought the property for £200K...and sold for £300k, he would look to Tax you for whole £300k as opposed to £100k profit!
Moffard John
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Sign Up11:30 AM, 26th July 2015, About 10 years ago
In other words, he is contemplating to confiscate all buy to let properties. As he is aware that, there is a huge wealth locked in property which he wishes to exploit by hook and crook.