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.
BobG
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Sign Up20:16 PM, 4th April 2013, About 12 years ago
Yes I had a £50 000 insurance claim about 2 years ago for fire damage caused by an electrical fault in the loft. It does depend to some extent on the insurance company and also the loss adjusters who always seem to be very busy. My surveyor and loss adjuster were excellent.
It does take some time, about a year from start to finish. The key to getting things moving is the initial survey by the loss adjusters or their appointed surveyors. They will sometimes put a metal lid on the roof which is an expensive structural cover to enable works to be carried out while protecting the structure and fabric of the building. My experience was that they were very helpful and replaced everything that was damaged and a bit more as well. I had a complete new roof including timbers pantiles and plastic facias and soffits, and also refurbishment of any other areas damaged. They have contractors who can respond quickly and you shouldn't have to pay. They said the carpets were not covered but I read the small print and got them replaced.
The rental loss was covered although I did have to stand the loss initially. I don't see why they cannot make an interim payment to cover mortgage costs if this is required.
They obtained three quotes from contractors who came in at various prices up to £70 000 so I did a cash settlement deal and managed to get a bit more for the money. It was a win:win situation as I got a fully refurbished property and they saved on the building cost. I was able to organise the work and found it an interesting project. The important thing was that no one was hurt. It did prompt me to go round my other properties and have full electrical checks and upgrade all the fuseboards and install wired in interconnecting fire and smoke alarms where not already in place. An RCD board wont prevent a fire but does give an indication of circuit faults. I had no problem getting reinsured although surprisingly the insurance company who had originally insured the property did not want to continue cover. They still covered me for other properties and didn't increase the premiums because of the claim.
Recardo
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Sign Up20:35 PM, 4th April 2013, About 12 years ago
I thought all insurance co's covered for loss of rent and alternative accomadation for tenants, to the value of 20-30% of the property reinstatement value. If not don,t use them.
Make shure this is covered by all BTL policies as well as Malicious damage be tenants or people legaly on the property (their guests).
All properties should have RCD boards with mcbs. This does not tell there is a faulty circuit as a blown lihgt bulp will trip it out. A freezer or fridge coming on may trip it out. So will any faulty appliance. I found that when a faulty toaster was used the fuse kept tripping. It also tripped when a lady doing ironing dripped water on an extension lead.
The main purpose of these boards and mcb's is it can save a person from deadly electric shock as the fuse will trip out befor the person dies.
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Sign Up21:05 PM, 4th April 2013, About 12 years ago
just a little trick; when the loss adjuster turns up, BE SUBSERVIENT
always, always know absolutely nothing. they know everything. let them 'help' you
the moment you are in charge is the moment you're on your own.
and Paul, nice to know your learning the art of cat skinning.
BobG
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Sign Up21:05 PM, 4th April 2013, About 12 years ago
I do not class myself as a time served electrician as I only have part P and 17th Edition but as a Chartered Building Surveyor I do try to keep up with things - To quote the electrical safety council. "An RCD is a safety device which automatically switches off the electricity if there is a fault. It is far more sensitive than normal fuses and circuit breakers" I think the reason it trips when a light bulb goes is because it detects electricity which flows down an unintended path such as an imbalance between live and neutral exceeding 30mA. Because of this it also protects against electrical shock although is not a primary safety source which is only achieved by using 110 volts.
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Sign Up21:07 PM, 4th April 2013, About 12 years ago
Hi Helen,
Sorry to hear your news, and went through a similar thing myself about seven years ago - unfortunately a tenant died, so everything was extremely focussed.
The first thing I would say is that your insurance company ( and assuming you've got the right kind of Landlord's Insurance cover, which I'm sure you have) having appointed a loss-adjuster, will deal with the adjuster. In my case the adjuster was brilliant, very patient and clear about what was covered and what was not. The loss-adjuster acts on behalf of the insurance company, and will decide what work needs done, and probably take the property off your hands by awarding the work to contractors to have the flat put back to it's original condition. Your rent should be paid in full by the insurance company, and the tenancy has been brought to an end by means of the property being uninhabitable. Depending on the terms of the lease, you may find that the tenant can ask you to pay for alternate accommodation elsewhere, but this should again be covered by your insurance. The tenant may also decide to call it a day and look for somewhere else, in which case you should refund their deposit and let them go..
You will hopefully find that any up-front costs you incur will be covered and reimbursed by the loss-adjuster, and I would let him tell you what is and is not covered rather than trying to second-guess him/her.
You should give your neighbours the loss-adjusters details when appointed, and he will ensure that any scaffold/tarpaulins needed are included in your claim.
You should be covered for loss of rent until the property is ready to be let again - you're not going to be able to get a new tenant until then anyway - and this should be paid to you by the loss-adjuster.
It's a terrible thing to deal with, but at least no-one was hurt, and you'll hopefully find dealing with the loss-adjuster easy too.
Hope this helps in some way,
David McLennan
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Sign Up22:59 PM, 4th April 2013, About 12 years ago
Where do some of the posters get this bizarre idea that the insurance pays the rent!!?
NO it doesn't!
What it does is pay for the cost of alternative accommodation for the tenant.
Your tenant should carry on paying the contractual rent.
I say again there is NO insurance company that will cover loss of rent in the event of loss of amenity for WHATEVER reason.
Indeed I lay down a challenge to any poster that can tell me an insurance company that will pay for loss of rent whilst a property is vacant or was tenanted until the loss of amenity occurred and is being repaired.
I have been looking for such an insurer and not one has been found.
ALL a buildings policy will pay for is alternative accommodation and repairing the property.
If the tenant chooses to quit the tenancy; you will NOT receive alternative cost of accommodation from the insurance company.
They will pay for the repairs and that is ALL.
I have contacted the ABI about this and they agree with me!
Of course I appreciate that I don't know what I don't know!;and I would welcome enlightenment from a more knowledgeable forum member about this situation.
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Sign Up23:18 PM, 4th April 2013, About 12 years ago
Whilst it is not great that any of you fellow landlords have experienced problems, it is really interesting to hear your stories.
My insurance policy states in the summary that it covers me for loss or rent up to 20% or the property value, however after reading these comments I will definitely be checking what exactly that entails.
Good news, the scaffolding has finally gone up on the correct house!
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Sign Up23:25 PM, 4th April 2013, About 12 years ago
Paul, I'm sorry, but there are proper policies for Landlords out there that cover for the loss of rent, usually up to 20% of the Building Sum insured - mine did..
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Sign Up3:15 AM, 5th April 2013, About 12 years ago
OK; so work on this conundrum.
There are millions of flats in this country.
The majority of them have block insurance policies; which as far as I am aware; NONE of them provide for rent loss insurance.
So imagine I have a fire in one of my flats; with an incumbent tenant.
The insurance company pays for alternative accommodation;but after about 2 months the tenant gets fed up and cancels the tenancy.
The insurance company pays for the repairs but as the tenant stopped paying rent and the LL has NO money to pay the mortgage the property gets repossessed.
It is illegal; or rather is against an insurance companies conditions to have 2 buildings policies on the same property.
So if there is a buildings policy out there which would cover rent loss I would not be allowed to have that policy.
This is a unique problem for ALL flat owning LL.
I would be perfectly happy to pay for a duplicate buildings policy if it covered rent loss and my block insurance company and the duplicate buildings policy allowed cover.....................................................................................BUT they DON'T!!
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Sign Up7:06 AM, 5th April 2013, About 12 years ago
Paul, I have made several claims over the years, one for a fire, a break in and another for militias damage. In all cases the insurance company covered me for lose of income. That is rent.
Remember that cat ? If you have to, don't be squeamish, just skin it