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.
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Sign Up2:10 AM, 6th April 2013, About 12 years ago
Ian; T Mate I can assure I do know what I am talking about.
To have a rent loss policy add on requires one to have a buildings policy.
If I have a block insurance policy I am not allowed to have another buildings policy with the add on rent loss insurance.
Perhaps I come at this from the perspective of flats.
They have a unique problem.
But even rent loss on a property; somebody said 20 % of rent; well for me that is £200 quid; how does that pay my monthly mortgage of £500!? for about 9 months until property repaired.
I know rentguard don't cover my flats for rent loss if there is an existing buildings policy as I asked them!
If someone can give me a broker who will insure my flats for rent loss in the event of loss of amenity bearing in mind that I already pay for block buildings insurance only
As far as I am aware if I took out contents insurance it would not cover me for full rental loss if loss of amenity ever occurred.
The other issue is that if the tenant remains at the alternative accommodation then they will carry on paying rent so the insurance won't pay out on rent loss until your tenant surrenders the tenancy.
So please if someone out there knows an insurer that will allow ONLY rent loss add on without having a buildings policy with them please tell me.
You won't find anyone as I have asked almost every broker!
The standard answer is that to have a rent loss add on you have to have a buildings policy with us and if you are already insured for buildings with the flat block insurance policy you cannot have the add on rent loss policy.
Now do you see the problem flat owning LL have!
If somebody out there knows a broker to address my problem please advise.
6 years I have been looking!!
BobG
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Sign Up11:54 AM, 6th April 2013, About 12 years ago
In my insurance policy a rent loss claim is up to 20% of the building sum insured which in my case on a £250 000 insured sum was £50 000 - significantly more than my claim for rent loss.
I can understand an insurance company not wanting to split cover - I use one insurance company to cover all risks on any property including rent loss
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Sign Up17:27 PM, 6th April 2013, About 12 years ago
yep, it's 20% of the sum insured NOT 20% of the rent.
that's from 3 different insurance companies. via 2 different brokers.
I have a little hotel and if there was a problem where we had to close our doors, ie a fire, flood, plague or pestilence, we can claim up to 3 years loss of turnover, wages for staff, architect, demolition, all stock, absolutely everything.
whatever it takes to get us back up and running.
and that is how it should be.
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Sign Up17:34 PM, 6th April 2013, About 12 years ago
however, let's stay focused on the issue here.
this fire was from next door. therefore your insurance company will not be out of pocket as they will claim all costs from your neighbours policy.
just like a car claim. a car crashes into you...it's their fault so they pay for everything. eventually.
but in the meantime your company pays you to get yourself sorted and when it's all over and finished they make their claim against your neighbour.
so...your insurance company doesn't really care how much it's going to cost. because it ain't going to cost them anything.
Ian Narbeth
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Sign Up16:37 PM, 8th April 2013, About 12 years ago
@Paul Barrett
Is it the case that you are looking to take out RoL insurance where the landlord has effected the buildings on a block of flats (you own a flat and presumably pay towards the premium via an "insurance charge" or perhaps through the service charge)? That is a more complex situation than your earlier remarks revealed. It may well be more difficult to obtain LoR insurance in that case but the OP has a house not a flat.
I suggest you contact the insurers of the block and see if you can tack on a policy with you as named insured. The premium rate should be similar to the rate for buildings insurance, e.g. if your flat is insured for £200,000 and you want £20,000 of LoR cover the premium will be 10% of the premium for the buildings insurance. It is more complicated than that because the flat owners collectively have to pay for the block including common parts to be insured.
In the OP's case, a claim for loss of rent can be included in the damages claim. Her insurers may not bring it unless prompted as they are not indemnifying her for lost rent. I suggest she contacts them and brings a claim against the neighbour.
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Sign Up0:13 AM, 9th April 2013, About 12 years ago
I agree with your logic and yes you are correct i did not advise of the unique circumstances that affect flat owning LL.
So in this case somewhat off topic as far as the house burning down was concerned.
However I felt it appropriate to bring to light a particular problem that faces ALL flat owning LL.
Yes I have tried to impress upon the MA as the logic of an add on policy for Rental loss; but they weren't interested
This strikes be as somewhat peculiar from an income perspective!
There are millions of flat owning LL that would willingly pay extra on their service charges for Rent loss insurance.
I would conjecture a rather large boost to a MA income would result as a consequence!!
I know loss of amenity is a rare thing but it has happened to me 4 times now and cost many thousands of pounds!!
I am the original Jonah LL!!!
Ian Narbeth
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Sign Up14:41 PM, 10th April 2013, About 12 years ago
Dear "Jonah"
You have had rotten luck. I haven't had such a loss in over 20 years as a landlord.
There are numerous problems having the freeholder effect LoR insurance, including:
1. He does not suffer loss and so has no insurable interest in your lost rent;
2. You want to be sole loss payee so that you get your hands on the money;
3. Insurance is on unit by unit basis depending on the rentand he freeholder will not want to be bothered to keep up to date;
4. You as the insured need to make disclosure of all material facts, e.g. is there a burglar alarm, smoke detectors, alterations to the flat;
5. Most flat owners won't want to pay for such insurance.
You have been particularly unlucky but many LL will take the risk rather than pay for the insurance every year.
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Sign Up4:21 AM, 11th April 2013, About 12 years ago
Yep I see your points.
Funnily enough the insurer with which I made 4 claims on declined to offer insurance to the MA after my claims were finalised.
My claims totalled about £56000 and I wasn't the only claim on the development!!!!
Beware newbuild flats!!!!
Had I my time again I would have bought 4 sensible little terrace houses!!!.................oh well!!
Nick Pope
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Sign Up14:16 PM, 16th April 2013, About 12 years ago
A small response on the matter of under-insurance.
As a valuation surveyor I calculate re-instatement values every day and thet asre based on an assumption of a total loss so I use a re-building cost calculated from The Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors. These figures are accepted by all insurers as being the industry standard and, more importantly, as being correct (if used correctly). The public link to a calculator is calculator.bcis.co.uk/ where you can check that your cover is sufficient. You just need to calculate a floor area (external is easiest) and provide information on age outbuildings, garages etc. If you do this correctly, insure with a policy which is index linked and remember to adjust if you make changes such as adding a garega or fitting double glazing etc. the insurer really can't argue.
Now for how it insurance works in these sorts of scenarios :
Let's say you insure the building for £100,000 which is the correct figure. It is badly damaged but not a total loss. It does not matter how much the repairs are, the insurence company have to pay. This may be their own preferred contractor (who will be giving them discounts on normal rates), a contractor you prefer (if cheaper) or they can choose to simply pay out the maximum on the policy. There will be certain excesses which differ from insurer to insurer. You can undertake minimum emergency work to protect the building and contents - you will be re-imbursed one day.
Under insurance is exactly what it sounds like but there is (surprise, surprise!) a catch.
Using the example above - you insure for £100,000 but the actual re-building cost is £200,000 and you have a claim for damage for £50,000. You might think Whoopee! I've got £100,000 cover I'm OK.
'Fraid not - the insurance company will apply what is called averaging, and will only pay out 50% of the claim as you were 50% under-insured i.e.in this case £25,000.
They apply the same sort of logic to rent if contents are under-insured. Not much of a problem if you are letting unfurnished as you need only cover for carpets, curtains and white goods. Fittings (kitchen units etc.) come under the buildings insurance cover. Most buildings insurance willhave a contents add-on but insure at propert level to protect the rent portion.
I also strongly advise that you go for legal expenses cover of some sort in case the damage is as a result of a neighbours problem then you company will chase hadr to make sure they don't have to pay out a claim.
Most importantly, if you do your own insurance cover rather than through a lender check that they accept that the property will be tenanted - if you move out of your own property and continue with an original owner occupier policy you are unlikely to be covere for a tenant. Contents cover probably won't pay out for malicious damage by the tenant.
Finally I agree with the suggestion above - consider appointing your own loss adjuster or surveyor to fight your corner with insurers as they will know how the syatem works and what buttons to press - similar to skinning a cat but (stretching the analogy almost out of shape) more akin to knowing where the bodies are buried!
Finally - READ THE POLICY before you buy and make sure it fulfils your needs!
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Sign Up14:47 PM, 16th April 2013, About 12 years ago
Things are moving along slower than I wanted them to. I have just discovered that we are not covered for emergency access to the property. So, where the front door was damaged to gain access by the emergency services we are not able to claim for this. I will be checking my other policies as apparently this is common.
I met with a structual surveyor last week, he thinks the roof can be repaired rather than replaced. We are missing a lot of roof tiles, however have been told that matching ones can be found to fill the gaps. I am not happy with this as I don't want the roof to look odd. Does anyone know where I stand with this?
Also I have considered appointing my own loss adjustor to act for us, what are anyone's thoughts or experience on this.
Thanks again for all your comments.