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.
Mary Latham
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Sign Up14:31 PM, 26th November 2011, About 13 years ago
Chris this is a perfect example of how tenants can control the market - as all customers do in any business - I agree with you a landlord who is not doing a good job needs to stop being a landlord and the best people to make that happen are the tenants.
Did you know that the landlord who was featured in a TV programme earlier this year went out of business when his lender pulled all his loans following the airing of that programme. I believe that the lender behaved very responsibily and not enough publicity was given to them for the action that they took.
I want to live in a world where people have genuine choice of where they live and whether they rent or buy and that choice is not available at the moment because there is a shortage of properties. Building more property is the key to customer choice and private landlords are part of customer choice.
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Sign Up14:35 PM, 26th November 2011, About 13 years ago
I am all for property as an investment but, like all investments, they need to be intelligently made and the desire to make a profit has to be balanced against an overall risk to the economy. In the last 15 years, much of the BtL lending could more honestly described as sub-prime.
Giving private individuals 'interest only' mortgages at 100% or greater than the value of the property, secured only against the property in question, was really stupid. But it was based on two fallacies a) that property prices would always rise and b) that bad debts could be made to disappear by diluting them with good debts and selling them on.
The problem was compounded by everyone who owned a property suddenly believing they were an instant expert because prices kept rising however dumb their investments were. Whatever your views on the EU are (I can see both sides) we need to set up the system so the reckless idiots who lend money are not able to lend it to reckless idiots who want to borrow it.
A lot of the people most dear to me are now in their early twenties and want to buy a property. We (all of us) have screwed it up really badly for them. We need to put it right.
Mark Alexander - Founder of Property118
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Sign Up17:13 PM, 26th November 2011, About 13 years ago
I am all for putting things right but I'm not going to stand by and allow this legislation to pass. There is no need to commit commercial suicide. There are several reasons why people in their 20's are not buying houses other than affordability. Insecurity in interest rates is one good example. American homeowners can get 3.5% fixed interest rate mortgages over 30 years with no early repayment penalties. If we had those here there would be a lot more confidence. Job security is another issues. Causing a housing crash isn't going to help that, it would make the situation worse as the construction industry would be crippled and that would create a ripple effect in unemployment and the prosperity of our country as it has since 2009. I believe that people should have choices, whether that's to buy or rent a quality property. I am looking forward to the day it becomes viable for developers to build and sell for profit again we will see mothballed building sites finished and lived in, a better economy with more people in work and some stability in property values. A lot of things have to change for this to happen but a house price crash isn't one of them.
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Sign Up18:55 PM, 26th November 2011, About 13 years ago
I only have 3 btl's in gloucestershire, plus my own house and can cover the mortgage easily as I started in 1995. I have ensured that I can afford the mortgage by working harder and building up a larger cash reserve than many others as I don't want the stress of interest rises or other financial pressures. I think that risk buy to lets where individuals mortgage themselves up to the hilt hoping on a fast return is foolhardy. I have never wanted to envisge kicking a tenant out of a property because I am forced to sell it through my greed to captalise.
Banks are a lothesome but necessary animal and refused me extra credit years ago even though I was putting down 70% of the property price. I have always hated them just like another parasite - pension companies who still take their cuts and charges and give lame excuses even in the good years - thats why I switched to btl's.
It is hard to believe that France would agree to the EU proposals as over 65% of property is rented and most french appear not to want to be involved in property ownership so don't panic.
Just stay within your means and build up that extra reserve,-which will help you to jump to the next property.
As for government legislation, at present there is more rights for the tenant and we have seen more extra red tape which equals costs to landlords which only increases the wanting to get out of the BTL market.
Stay within your means and build a cash reserve for bad days we no are comming.
Stay within your means and
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Sign Up19:03 PM, 26th November 2011, About 13 years ago
BTL is for people who like assets they can understand, on a bad day even go and see them. Investing in the pensions industry is an alternative, but you can't touch your invstment and you never know if you've invested in a 'Bernie Madoff'. We need mortgages to get off the starting block. Our advice to new BTL investors? Beware of lease hold property, having been burnt twice we won't touch them!
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Sign Up20:03 PM, 26th November 2011, About 13 years ago
what a numpty! interest rates, if low, benefit all kinds of borrowers,( even numpties) and of course work adversely against any who depend upon interest ratesfor their livelihood. conversely when interes rates start to climb and benefit people with cash investments, it will adversely affect all borrowers, (including numpties who have mortgages and also have to rent elsewhere)
You seem to be saying that if there were no houses to rent you would still be able to do this far away job, presumably by living in a hotel, or your car, or even a cardboard box..instead of snarling at the people who provide you with the cheaper option (or the more comfortable option if you consider living in a car or box), just be grateful that somebody managed to scrape together the means to provide you with your far flung affordable accommodation. snarl instead at your employers for forcing you to work away from home, or the government for not providing superfast roads so that you could commute from home and deprive your hated parasitic landlord of his usurous rent.
whatever you do please treat his property with the same respect you do your own, pay your rent on time and keep the noise down out of respect for your neighbours.
that way you would stop being a numpty and join the ranks of the rational reasonable part of society that makes this country a nice place to live. cheers
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Sign Up6:21 AM, 27th November 2011, About 13 years ago
I think it's about time the country started to view the purchase of a house as somewhere to live rather than something to profit from. It angers me how young families with good incomes have been forced out of the first time buyers market by ridiculous property prices. There's no way I'll be signing this petition.
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Sign Up11:43 AM, 27th November 2011, About 13 years ago
As a buy to let investor Im appalled at the way this goverment is leading the country.
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Sign Up11:50 AM, 27th November 2011, About 13 years ago
as a buy to let investor for the reason of most of my Pension 5 years ago was not enough to live on,so I bought a house to let out,now it seems if the Goverment puts into place the new laws on giving 90%mortgages again to new time buyers,I feel as if my pension is being taken away from me yet again.
Mary Latham
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Sign Up12:51 PM, 27th November 2011, About 13 years ago
Maureen if you are concerned that there will be a shortage of tenants don't be. The perception that most tenants are being held back from buying is simply untrue, all of my tenants are choosing to rent rather than buy. Those who are young couples are either enjoying the financial freedom of not worrying about furniture, repairs and interest rate rises or they are planning to travel before they settle down. I also have young professional tenants who are choosing to rent to give them freedom of mobility because of the work that they do. In my many years of experience good standard well managed property will let so long as it is in an area where tenants want to live- regardless of mortage availablity and interest rates. My pension is also in property and I know that I have done the right thing because almost 40 years as a landlord has taught me that property is overall the best investment and I have never dropped my rents at any time over those years