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.
Simon Hall
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Sign Up16:24 PM, 24th February 2017, About 8 years ago
http://www.landlordzone.co.uk/landlordzone-update/white-paper-or-white-wash#rm
White Paper or White Wash?
Cautious Landlord
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Sign Up16:30 PM, 24th February 2017, About 8 years ago
'Interventions in the energy market by successive governments have pushed up prices, but not secured supplies' House of Lords have announced today. Well how strange another example of (possibly) well meant govt tinkering with unintended consequences achieving the exact opposite. You could substitute in 'housing' for energy and 'rent' for prices. When will these muppets learn that the free market is supreme - it will deliver the best result for the consumer in all but the most exceptional circumstances. How can it be that these over educated privileged elite are so stupid. Build more houses - increase supply, reduce immigration - limit growth in demand.....prices and rents fall. Not difficult really. NWL is right of course. The muppets aren't listening and won't until it's too late. Landlords need to plan for the 'too late scenario' as market forces will move to create opportunities for those who survive - not that I would have wished for any of this.
Michael Fickling
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Sign Up10:38 AM, 25th February 2017, About 8 years ago
Cautious landlord>>>>>>>>>You are bang on there. The bigger message to anyone interfering in any market at anytime is simply check for other similar scenarios and HISTORIES..before making new policy. Those histories are factual..they occurred for a reason. They usually repeat occuring again in the new ..current situation.. unless something is hugely different in the scenarios.People like Carney..Osborne and now Hammond...think that they and there back room people know better and fail fail to weigh up the histories apropriately...therefore they get it wrong. Given the simplicity of checking histories their errors are inexcusable. The first task they should give the back room people is " find me all the similar histories and summarise what occurred"....they clearly dont do this.
In short>>
Where current view of power brokers and their " expert(s)"... seems to be versus known histories?? take the lesson of history every time and you will almost always get it right.
Cautious Landlord
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Sign Up7:44 AM, 27th February 2017, About 8 years ago
Michael, I'm interested in what you are saying here (and always enjoy your posts with the expanded simple maths approach) what do you think history can teach us landlords on what the outlook might be for us as a result of this meddling ? Is it as simple as higher rents from reduced supply/sustained or increased demand ? Are you predicting a significant downturn in prices for example ?
Jonathan Clarke
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Sign Up8:37 AM, 27th February 2017, About 8 years ago
I believe they do in fact check history in some detail but then simply ignore it or bend it for political reasons and short term political gain . They wouldn't continually make the same mistakes if they genuinely took notice of the history they uncover.
They look at history so they can then work out how they will answer their critics when challenged. They know we or the press will try to find flaws. Any defence or prosecution solicitor would do the same. Politicians do likewise. They prepare their case to enable them to present their case in the best light to the court of public opinion
They believe in political terms its the right move for them and their party because it gains votes and power which they crave. Sometimes they miscalculate the public mood and that leads to their downfall. But they are prepared to take that calculated risk
They just focus on the here and now and sometimes, if they have their own political ambitions, the next 5 years in power. They look ahead a few years at best but don`t care so much about my mortgage and the next 25 year economic forecast . Why should they. They are selfish they are human.
We as investors may look 25 years down the line but they will have long gone from the political scene by then.
This is why we have continual waves of booms and busts and U turns.
Many humans are not capable of effective monitoring of their own lives let alone a whole town , country or planet. Politicians are not up to the task because they are human , We will implode in time as we destroy ourselves economically and through wars and through destroying our very environment around us
George Osborne has very little interest in the what the budget may say in 2040
.
Michael Fickling
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Sign Up9:07 AM, 27th February 2017, About 8 years ago
Reply to the comment left by "Cautious Landlord" at "27/02/2017 - 07:44":
Thanks for the kind words.And yep for those wondering what you allude to on my maths bit... for house prices...well as ive posted before they are fundamentally mathematically incorrect for starters anyway...im amazed actually that this has never really been..generally understood..since the maths just dont stack.The supposed increases are very significantly distorted for various reasons.Principally things which are captured in the so called "growth" but are nothing of the sort. I will not say too much here except we add to homes far, far more than we denude their features. Suffice to say when dealing with small fractions ( per annum) the additions are a massive distorter..sufficient in fact to make the endlessly touted.. per annum "growth" figs ridiculously innacurate. Most stock is "mature" a twenty year old house..as an example of the effect... may very often have had more spent on improvements and additions than its original purchase price. Play with some real world examples for yourself even newer ones..and you will find the maths are extremely distorting of so called "growth". Generally the older the house ( or street)...the more distortion occurs...and its increasingly leveraged over time.
Regarding where these same figures are headed now...well I dont believe brexit will affect prices directly hardly at all since the mass of immigrants are economic migrants who dont come here and get mortages in the short to mid term..indeed most cant. I believe the long term increase in house prices.. in truth.. over time is only somewhere around 2%.per annum generally..outside greater London and its widening commuter belt. I wouldnt like to predict too much over say the next three years.Longer term ..again id go with history and say take out the counting/maths errors (one of which is alluded to above)..and I think most likely we will continue to see house prices drifting up, over, down and around 2%..." true".. P/Annum.for most of the uk. I will say that I see no reason for the patchiness of the uk market to change..and despite the fact that im not in it..id say the south in general will continue to leave the North behind. Further than that Id say employment and PAYABLE mortgage rates will as usual be the main drivers.Again its remarkable that the media and many of our population have totally swallowed the story of unaffordability..when mortgages ..have never ever been cheaper. ..and there are dozens of five and ten percent deposit products on the market. There is far too much focus on average prices...actually the price is largely irrelevant....very few people pay it. Lending criteria can be affected of course by the" ticket" price....but those who are determined couples will generally find a way... outside of London and its belt. Have you ever noticed how thin and poorly written the "finance" section of most property books is?...and yet its the single most crucial factor..since a bad finance deal ruins the "deal" and a great finance deal can make a very average or even a dubious house purchase ( from a full investment persepctive)..work quite well over time. So no amazing predictions ...for me ..just long term repeat overall and an extension and continuance of the more recent North south divide.
I digress as usual!........Short answer....and its purely personal since..im not a financial advisor...."big london"..will still lead over time..maybe with big volatility..south will continue to stretch away from the north...and overall of the rest...mostly across a longer time span..well I guess history will repeat...and taking out the nonsense and froth...2% true per annum. Its is understanding the smallness of that figure that perhaps brings clarity to expose the crass stupidity of clause 24....one needs leverage...(finance) to make houses an interesting investment. It is the ..almost certainty of longer term gain...coupled with leverage possibilities ..via finance...that underpins investment in housing.
We are also long overdue some more creative finance solutions and products..but hey bankers is bankers!...they are not the most imaginative cohort .Creation of same...new products .. could positively effect prices.
I do have a gut that Clause 24 will be at least diminished....and if it isnt...helloo generation bedsit!..and helooooo inflated per metre pay rates...as the myth of generation rent compounds into generation bedsit.That would have to be a given as one ensures the other....and might also cause some localised and interesting price action on tiny properties..both for sale as well as rent. We shall see.
Rachel Hodge
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Sign Up22:50 PM, 3rd March 2017, About 8 years ago
Did anyone else hear the tenant on R4 You and Yours today? The other LL, a widowed LL also presented a really good story.
I expected to see it spoken about here! It was a paradigm shift for radio 4 / BBC in that it wasn't deliberately focusing negatively on LLs at the expense of the rest of the story.
Gromit
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Sign Up7:09 AM, 4th March 2017, About 8 years ago
Reply to the comment left by "Rachel Hodge" at "03/03/2017 - 22:50":
It was an excellent article.
It now available to listen to on this forum here: https://www.property118.com/bbc-radio-4-interviews-landlord-tenant-interviews/95195/
Its about 7 minutes long.
Mark Alexander - Founder of Property118
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Sign Up10:01 AM, 4th March 2017, About 8 years ago
Reply to the comment left by "Rachel Hodge" at "03/03/2017 - 22:50":
Hi Rachel
I have received a request to remove the name of the landlord from your last comment and have done so.
A recording of the interview can be heard via the new article linked below.
https://www.property118.com/bbc-radio-4-interviews-landlord-tenant-interviews/95195/
.
Rachel Hodge
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Sign Up10:11 AM, 4th March 2017, About 8 years ago
Reply to the comment left by "Mark Alexander" at "04/03/2017 - 10:01":
Thank you Mark.