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 Up9:12 AM, 24th November 2011, About 13 years ago
I think the point relating to 'trolls' is that if people have a point to make it's better to do what you have done and openly state that rather than hide behind techonology games. I agree that homes would ideally be affordable under reasonable circumstances. I am interested you equate ownership with personal liberty. As a homeowner (not a landlord) I am all too aware of the sacrifces that required and the lack of security it provides.
We have come some way from a time when owning a home was considered a privilege rather than a right. But equally do people have the right to overseas holidays, satellite TV and nights out on the town whilst the economy shifts so that other tax payers support home ownership for new buyers? I don't think rights and liberties have any place in this debate. The basic human right is to have a secure roof over one's head, and to be able to enjoy that peacefully. The Private Rented Sector has a place in providing that to many families for whom there is no other provision. It always has and tenant law provides for a great deal more protection than has existed in the past.
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Sign Up16:33 PM, 24th November 2011, About 13 years ago
the problem is that the private rental sector is full of parasites.I own a home and have recently had the unfortunate experience of having to rent via an estate agents due to working a long way from home.
private rental is a nightmare.fees,fees and more paperwork and fees.Stupid credit checks.I dont want credit,in fact im paying in advance!
And as for who subsidises who...uk savers are currently being sacrificed.interest rates are low and pensioners are suffering.Why should BTL types be subsidised with low interest rates by everybody else?
-and fundamentally owning a property should be a viable proposition for our young.All the young people are know with any sense are going to leave as they are not prepared to spend their working lives subsidising the non productive sectors of the economy.Im 41 and thankfully had the opportunity to buy a house.What right do we have to hoard scarce resources and deny that to the next generation for selfish profit?
Mark Alexander - Founder of Property118
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Sign Up16:04 PM, 25th November 2011, About 13 years ago
I have just posted a related Blog on Archant's Homes24 website. Please see http://blog.homes24.co.uk/general-property/landlords/2011/11/proposed-eu-mortgage-rules-could-kill-buy-to-let/
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Sign Up18:30 PM, 25th November 2011, About 13 years ago
Buy to let is a parasite on society. As a first time buyer I welcome this EU legislation. The over gearing on buy to let properties not only puts our banks at risk but also our economy. These get rich quick property cowboys need to be curtailed.
Why should buy to let landlords buy up all first timer homes with unfair tax advantages and little own money put down.
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Sign Up8:35 AM, 26th November 2011, About 13 years ago
Stop the EU on stopping Buy to Let mortgages
We are ruled far too much by Europe - Look at the state ofm it Now
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Sign Up8:46 AM, 26th November 2011, About 13 years ago
so you think BTL is a parasite then explain when councils ar not building property and people without steady jobs set regular income or whos job moves them alot where do they live. Or is it you only want big commercial blue chip companies to own rental property then seen what the rents do. Tell europe ( who by the way has enough problems on their own to sort our first) to stick it up their euro
Svetlana Alexander
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Sign Up9:03 AM, 26th November 2011, About 13 years ago
Where will students live if there are less buy to let landlords and how much will rents go up if there is a shortage of property to let? If supply of property is short and demand is so high what will be the incentive for landlords to maintain their properties? The supply of quality accommodation could also fall drastically. All students should sign this petition too.
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Sign Up9:04 AM, 26th November 2011, About 13 years ago
This issue needs careful thought. I have a second property which I manage as a holiday let. I made the investment because I'm self employed and commercial pensions are so poor. I funded it with a deposit from my deceased father's estate and by extending my existing mortgage which is based on an assessment of our household income. If I had a long term tenant they would be secure.
The flat below us was owned by a man who'd got an interest only BtL mortgage and who was seriously overstretched. We found out that he was a serial liar (we bought our flat from him) and he was using our flat as collateral for further loans even though he no longer owned it. We had the Inland Revenue staking out the place and all sorts of letters from creditors and banks as he was using our address to scam them from. I finally caught up with him and put a stop to it (and told the IR, banks and Police).
And what happened to the nice older couple in his flat; the ones who'd never missed a payment and who looked after the garden...? Kicked out at 4 weeks notice. His antics not only affected our credit rating but those of the old couple. We sorted ours out but it made it very hard for them to rent somewhere new.
I don't know what the answer is but the legislation needs to reflect the honest needs of people like myself who want to invest whilst making sure that fraudulent scum (sorry, I'm still angry about what he did) like ********* (I'm so tempted to name him) are prevented from ruining people's lives.
** MODERATORS COMMENTS **
I would like to publicly apologise to this poster for an earlier misunderstanding. An offensive reply to which he complained about has been removed and this poster has provided a further offline account of his experiences which are noted in italics below.
4 weeks notice was illegal but the guy in question didn’t do anything legally. The older couple (Brian is now dead, so I can name him) didn’t take legal advice or our advice (my wife is a Chartered Surveyor) which was to stay put. Because they were decent people the went, carrying the credit rating of their crooked landlord with them as this (for some bizarre reason attaches to properties as well as people).
I don’t want to stop people investing in property but I do want some of the heat taken out of the financing of it by reckless borrowing based on falsified income claims. I want realistic property prices and rents which reflect real people’s incomes be they landlord, tenant or private owner.
Part of the reason our economy is in such a mess is because we all have to spend such a high proportion of our income on housing ourselves. This issue needs to be addressed. If you don’t realise that there are good landlords and bad ones then you are naive. If you don’t understand the difference between prudent ways of investing money and irresponsible ones then I suggest you are not the right person to listen to regarding this legislation.
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Sign Up9:09 AM, 26th November 2011, About 13 years ago
i am a regular earner from the rented property market.not on a big scale but regular and we all want regular income and reliable .unlike the decisions made by the eu recently with greece and italy as fine examples of their dithering .they are very quickly loosing credibility and i believe we would all be better off with ted heaths original plan for a common market
Matchmade
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Sign Up9:34 AM, 26th November 2011, About 13 years ago
Thank you Teena for a levelheaded response. I too am highly sceptical that owning property is part of personal liberty: I would argue it often makes you less free, what with exposure to all the maintenance costs, the high cost of moving and remortgaging, the exposure to variable interest rates, etc.
Arguably people in Britain should be less obsessed with property ownership - they seem to do OK in Switzerland and Germany where most people rent - and one has to ask whether people's perspective is skewed because of the the tax-free capital gains that homeowners are given. If the government restored CGT on home ownership, as used to apply before 1965, perhaps the zealots on HousePriceCrash as well as the Daily Mail would obsess less about people's "right" to own a home, which curiously never seems to include the many millions of people living on benefits or in state-subsidised social housing.
As for BTL landlords being "parasites", I just don't get the argument. Are commercial landlords who charge rent on business premises "parasites"? If not, if they then start renting out an apartment above a retail unit to private individuals, do they suddenly become parasites then? If a bank lends you money and charges you interest, which is the same thing as rent (and more expensive - most landlords only get 6% gross, from which all their costs have to be deducted) , is that "parasitic"? If a supermarket that invests its capital and employs people to sell food also a parasite, because it is making a profit by selling something that people need in order to survive? Why is housing so different from any other kind of human enterprise where people expect a return on their investment?
In fact, most private landlords are doing tenants a favour: they are investing their capital to provide living accommodation on which they make almost no profit - most landlords barely break even on running costs, and would be better off with their money on cash deposit - so all the tenant is doing is covering the mortgage interest and living off the landlord's embedded capital for free. Tenants moan about "paying someone else's mortgage", but the vast majority are not doing that at all: all they are doing is covering the mortgage interest, which they would have to do anyway if they owned a house themselves. Once you take the need to make capital repayments and the maintenance cost of property ownership, renting is clearly the much more affordable option.