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.
Mark Alexander - Founder of Property118
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Sign Up9:33 AM, 17th August 2013, About 11 years ago
Reply to the comment left by "Mick Roberts" at "17/08/2013 - 07:46":
Good morning Mick
If people don't want an honest opinion, why would they ask an open forum of their peers for their opinion?
Sometimes it's not easy to speak your mind, let alone commit those thoughts and words to writing. Any parent who has had to punish their own children will understand that it doesn't matter how right they are and how wrong their kids are, there will always be a feeling of guilt when they try to put their kids back onto the right track, especially if the kids get upset about it.
That's how I felt as a result of the emails that flew back and forth between me and the person who posted this thread last night. I had upset her - yes she's a real person with real feelings. She was shocked at my response and the advice that I had given. She now regrets the wording of her post is almost as annoyed with herself as she is with my "tough love" response.
To save her any embarrassment I removed all reference to her name from her post and the response comments. So far as I know she's still following the thread.
I can assure you this lady is no idiot, I can tell that from the emails she's sent to me. Nevertheless, I do still genuinely feel she had lost her way and despite feeling some anguish myself for being so honest about my feelings when I responded, I do still feel that I did the right thing and for the right reasons.
I sincerely hope this lady will listen to the advice that has been given here, not just by me either.
In hindsight I think I should have let a few other people comment first because my little outburst may have set the tone of other responses. We live and learn.
The bottom line for me though is that if a person has significant assets but due to their own choices they are struggling financially they should be expected to change their lifestyle and/or sell assets before expecting to be supported by tax payers. That's the way the system works, it's not just my opinion. If there was a National Referendum on whether this should change I very much doubt it would, do you?
.
Mick Roberts
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Sign Up9:57 AM, 17th August 2013, About 11 years ago
Good morning, soon be afternoon-Any local Landlords coming for a run at 1230? Take the neighbours dog up some hills-U got to be blonde & fit though, so that’s all u dark haired males out the equation.
Yes, putting them words into writing often gets us in trouble, dun’t it. I found that out when I (on this site with a post) showed a house a tenant had wrecked & then I got slated for putting them in that house-Honest, wasn’t like that when I gave it them Mr Policeman.
Ooh, I don’t feel guilty about putting kids on the right track whatsoever, cruel to be kind, Gratification Postponement, & all that.
Hope she don’t get any of my tenants-Well, the 5% bad un’s, then she will be in the crap.
No Mark, don’t u think in hindsight, let us see your feelings at the beginning ha ha, good to see how the mind initially thinks. Especially the smart clever mind.
Yes, if people have assets, but are flying to Australia first class, then struggling, stop flying first class. But on the other side, I’ve just read again the headline post & it more or less tells me there’s a business there that’s not generating enough, so as in same as working person, if they don’t earn enough, they get working Tax credit, CTC, HB etc.
What’s the difference if u have 20 properties or 1 property, & overall, u r only earning £10pw? There’s’ a debate there. I know, I’ve been there, had 3 houses, load of cars, but some weeks, still earn’t no money, zilch, but outgoings on my own mortgage gas elec food bills to pay. Tricky one needs to be discussed over a meal or at the ski resort cafe at bottom of mountain, u not solve it on here.
Vanessa Warwick
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Sign Up10:01 AM, 17th August 2013, About 11 years ago
Mark,
I will always support anyone asking for help or anyone who is willing to *work hard* to find a better life.
Let us not forget that it takes courage to ask for help.
On another thread on here, you have a woman who has six kids who is getting £500pw housing benefit. That is more than the average wage in this country. My sister works a 40 hour week as a legal clerk, while bringing up her young son single handedly, and she earns significantly less than this.
Taking these two ladies, who do you think is more likely to be a net contributor to society?
If the lady in question is reading this, then I would like to remind her that real problems can ALWAYS be solved.
The beauty of a forum is that you will always get a variety of inputs. It is up to the individual to assess the information and advice shared, do some due diligence, and make an informed choice of what actions to take as a result of that advice.
Forums are here to help. No one in property should sit at home in isolation worrying themselves sick when there is a "hive mind" to tap into.
I wish the lady in the original post the best of luck in resolving her situation ... there will be many others in the same situation as her reading this, of that I am quite sure.
On a recent post, I suggested 12 positive actions you can take in property to move yourself forwards. I hope this might provide some positive input for the original poster of this thread and others who are feeling "stuck":
http://www.propertytribes.com/12-positive-things-do-today-break-property-investors-t-8361.html
Mark Alexander - Founder of Property118
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Sign Up10:12 AM, 17th August 2013, About 11 years ago
Reply to the comment left by "Mick Roberts" at "17/08/2013 - 09:57":
OK Mick, let's look at it the other way.
If a little old granny has £100,000 in the bank but only has state pension should she be allowed to claim state benefits for housing allowance etc.?
Of course not! She has £100,000 in the bank.
How is that any different to this scenario.
This poster has significant assets. Yes, her business in vulnerable and she's struggling. The state has decided that she needs to find work to fund her lifestyle or to liquidate her assets to correct the problem. That's no different to telling the little old granny that she needs to dip into her savings and that she's not entitled to benefits is it?
We can't have our cake and eat it.
.
Mark Alexander - Founder of Property118
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Sign Up10:18 AM, 17th August 2013, About 11 years ago
Reply to the comment left by "Vanessa Warwick" at "17/08/2013 - 10:01":
Hi Vanessa
I also wish the lady in question the best of luck.
There have been some very good answers to the problem offered here IMHO. I can only hope that she makes the right choices and never has a genuine need to use the "safety net".
The best thing we can do for the poor is to get richer. That way we create more jobs and pay more tax. I wish everybody the best of luck on that basis.
PS - I will always try to help anybody who asks for help too. Sometimes they might not like the answer though.
.
Mick Roberts
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Sign Up10:48 AM, 17th August 2013, About 11 years ago
Aah, I’m trying to get some work done Mark-U ever come skiing with me, & I’m knocking u over on the first mountain ha ha-That’s only if u r a good skier of course. If not, I will help u.
Little old lady, if it was up to me, yeah, because she may have saved hard all her life for that 100k, no holidays, no fitted kitchens, swimming pools etc. Neighbour might have blew her 100k, had great life, then when they’re both 65, neighbour gets help, other who been careful don’t get help-Don’t sound fair to me.
But no & yes, I get your drift & technically, 100k lady won’t get help ‘cause she’s got savings.
But Mr Language Practitioner (you’ll have to explain that to me one day), you will always be better with words than me on this site, I see this different, because WHO says the above post lady has 100k in the bank?
Who says she has assets?
When I first started houses, I had houses, but debt too. Each other’s definition of assets interpretation is different.
I get it now ‘Ooh loaded u r Mick’. I say to them ‘U have £2 million more than me’ . They say ‘How come?’ I say because I am in £2 million in debt with mortgages & u don’t have that debt so u r richer than me’.
I know that’s an extreme & a buy to let mortgage can be manageable debt, but in my eyes, I ain’t got any money till mortgages paid off.
But this lady may be down to the bone in assets v’s debt going out- I don’t know.
And I want my cake & eat it. Although I don’t eat cake.
I’ll give u some answers too if u want to work harder, yes IMHO route or HB tenants where the tenants sister brother Mum wants to move in & get rent for her too. Similar too IMHO, but no Council Tax problems to pay, plus one joint tenancy, plus ONE family unit, although two separate incoming rents, so could be less hassle than IMHO.
Mark Alexander - Founder of Property118
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Sign Up10:57 AM, 17th August 2013, About 11 years ago
Reply to the comment left by "Mick Roberts" at "17/08/2013 - 10:48":
I'm not saying this lady has £100k in the bank Mick, but by her own admission, selling one of the houses is an option she's considered. That implies that equity would be released. No different to the little old lady withdrawing her savings.
Little old lady could spend all of her £100k on fitted kitchens etc. couldn't she? Instead, maybe she's decided she wants to leave that money to her kids or use it to take the grandchildren to Disneyland every year. Point is, that's her choice, but she still can't have her cake and eat it.
.
Mark Alexander - Founder of Property118
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Sign Up15:00 PM, 17th August 2013, About 11 years ago
Reply to the comment left by "Mick Roberts" at "17/08/2013 - 10:48":
BTW Mick, you are welcome to come to rural Russia with me any-time. My wife pays for us to go every Winter to visit family - their Christmas in Jan 7th so we get two! And if you are wondering why she pays, well she earns more than I do - not all stunning looking blondes are bimbo's you know 😉 Svetlana is a Chartered Management Accountant, she paid her mortgages off 10 years ago. Single Mum too, father of her son passed away. So there you are, now you know a bit more about me and my family.
It's harsh conditions in Russia at that time of year but great fun. I don't ski due to a back injury but that doesn't stop me having fun in the snow 🙂
You will be fine with us so long as our family pet likes you!
By the way - message for Vanessa. I do not approve of the circumstances of the lady in the other thread. I do worry for her children though as she clearly doesn't seem to realise that there is a very high likelihood that her kids will end up in care if she doesn't learn to budget. I think the government could help by helping her to prioritise, i.e. pay the rent direct to the landlord before any other benefits are paid to her. That way, at least the children would keep a roof over their heads and her decision then is whether to feed the children of spend £70 a week on cigarettes. I suspect she would make a better decision on that basis. At the moment she can't see that rent must come before everything else as it's always been paid for her.
.
chris howells
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Sign Up21:49 PM, 17th August 2013, About 11 years ago
been in her position when I started out in 2001, took a career break had 2 houses with enough income to pay the mortgages and have a small amount left over.
Then tenants stopped paying rent, husband got laid off work. What did I do?, did not even consider help from the state, not with 2 houses plus my own.
I did what was necessary took any job i could find, cleaner, carer, ran a burger van, took in foreign students and guests who were visiting to watch the rugby basically anything to survive and pay my bills.
A year later back on my feet. This lady can go and get part time work or do anything to pay her bills. I agree with other comments welfare state should be there as a safety net, but not in this instance. If neccessary sell a house, she can always buy another later on.
Jay James
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Sign Up15:21 PM, 19th August 2013, About 11 years ago
Was this thread really a serious enquiry?