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.
Liz Buckland
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Sign Up10:34 AM, 6th April 2020, About 5 years ago
I sent a copy of the 21 page ' Consolidate guide to landlords and tenants Covid19' the Govt document issued last week, and which was published on your daily missives, to my tenant. This clearly states that tenants should continue paying rent. She was very grateful to see it as it also addresses what could be a potentially difficult conversation, and offers advice to tenants on 3rd party resources.
NigelH
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Sign Up10:43 AM, 6th April 2020, About 5 years ago
The Ministry of Housing, Communities & Local Government publication seems to be quite clear on this, if someone renting can pay, then they should pay:
Consolidated_Landlord_and_Tenant_Guidance_COVID_and_the_PRS_v4.2
Bill irvine
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Sign Up10:54 AM, 6th April 2020, About 5 years ago
Reply to the comment left by at 06/04/2020 - 10:43
Hi,
Totally agree with Liz & Nigel. The Guidance is quite clear about the importance of continuing to pay; landlords & tenants having a dialogue when there's a potential problem, due to loss of income etc. and the various sources of help available.
See extract:
"1.1 As a tenant, should I stop paying rent during the outbreak?
• Tenants should continue to pay rent and abide by all other terms of their tenancy agreement to the best of their ability. The government has a strong package of financial support available to tenants, and where they can pay the rent as normal, they should do.
Tenants who are unable to do so should speak to their landlord at
the earliest opportunity.
• In many, if not most cases, the COVID-19 outbreak will not affect tenants’ ability to pay rent. If your ability to pay will be affected, it’s important to have an early conversation with your landlord. Rent levels agreed in your tenancy agreement remain legally due and you should discuss with your landlord if you are in difficulty.
I've also posted a number of bulletins in the Private sector of my website, one of which, points to the various sources of assistance
https://universalcreditadvice.com/articles/coronavirus-landlords-and-agents-helping-tenants-claim-assistance-with-rental-costs/
So, there's loads of information out there you can share with your tenants, especially those experiencing financial difficulty.
Bill
Dr Rosalind Beck
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Sign Up11:13 AM, 6th April 2020, About 5 years ago
The Government created this confusion and must clear it up immediately. It has created havoc, will lead to unnecessary financial hardship, stress and litigation, and is detrimental to landlord-tenant relations.
It must also look to undo some of the other damage it has done - particularly the problems its blanket ban on evictions is causing. As it has legislated to force landlords to continue to house non-paying tenants, indefinitely in effect, it must fund the landlords to do so. There is currently no justice for landlords who should not be expected to continue housing anti-social and/or non-paying tenants and it is also not fair for neighbours and housemates to have to put up with them. There is no thought for what it is like during a pandemic to have to put up with rogue tenants - many of whom will now be ecstatic to realise they can't be evicted, despite their behaviour. As they have shown they are willing to cross the lines of acceptable behaviour, they are also more likely to behave recklessly in terms of potentially spreading the virus.
It should also repeal Section 24, which is any case an outrageous policy. It was not predicted to bring in much tax anyway - certainly not in the context of the billions now being spent by Government. Repealing it would at least help some landlords who are facing having to pay tax on no profit or even on a loss, because of this absurd policy.
Finally, the Government should re-define private landlords as self-employed workers. We should not have to continually defend the work we do to provide essential housing to a fifth of the population and have this falsely represented as 'hands off' investment. We all know that is a lie for portfolio landlords especially. Re-defining it would enable some landlords to benefit from the Government's financial package of support.
If the Government does not take these kinds of measures the sector will inevitably shrink. This will mean more homelessness and it will damage efforts to rebuild the economy as many landlords have simply had enough of this continual onslaught and will not provide the homes mobile workers need.
In sum, the risks of being a landlord are becoming too numerous and onerous and something has to give.
SM
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Sign Up11:34 AM, 6th April 2020, About 5 years ago
Ben says a lot and the Government just ignores him every time. New organisation but the same response, nothing.
Beaver
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Sign Up11:58 AM, 6th April 2020, About 5 years ago
Reply to the comment left by Bill irvine at 06/04/2020 - 10:54
"In many, if not most cases, the COVID-19 outbreak will not affect tenants’ ability to pay rent."
This is correct. Those who cannot pay because they don't have jobs any more or won't qualify for support for the self-employed when that comes along in June have universal credit. So the government needs to make sure that UC works properly and that the self-employed don't fall through the support net.
Some people will have short-term cash flow problems and the goverment needs to relax bank lending criteria to allow for that.
Telling people not to pay their landlords would just create a different crisis.
Paul Essex
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Sign Up12:03 PM, 6th April 2020, About 5 years ago
Iritatingly everyone keeps claiming that help is available to landlords - NOT TRUE if there is no mortgage, please stop suggesting that we are all getting help!
Beaver
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Sign Up12:52 PM, 6th April 2020, About 5 years ago
Reply to the comment left by Paul Essex at 06/04/2020 - 12:03
It is quite correct to say that we are not all getting help. These are the government figures for business population as of 2019.
https://www.gov.uk/government/publications/business-population-estimates-2019/business-population-estimates-for-the-uk-and-regions-2019-statistical-release-html
99.9% of the business population are SMEs. There are 5.9 million UK private sector businesses. Historically SMEs have employed the most people and also created the greatest *growth* in employment. Small businesses are the engine of the economy.
However, 1.4 million of these businesses have employees, and 4.5 million have no employees. I.e. they are self-employed. The self-employed have been told they might get some help from June. They are not getting any help at the moment.
At the moment small businesses are having difficulty getting "business interruption loans". The banks are offering them their own loans instead - although I think that was how it was set up - you were supposed to be able to get a business-interruption loan, but only if you were not eligible to borrow.
Anyone who was running a small business at the time of the last financial crisis will recall that the government bailed out the banks (except Barclays who sought funding elsewhere). The banks then trousered the money and carried on as normal; the banks did not lend. Now, even if you got a "business interruption loan" it would probably not be enough. You'd still have to borrow and for most people the source of borrowing would have to be either their Principle Private Residence, or a BTL if they had one (most BTL landlords have 1-2 properties, not a big portfolio). As I recall bank-lending criteria are that you have to have an average of £25K turnover per annum for the last three years. But if your turnover just collapsed because the government shut down the economy that just gave you an extra headache. It's even worse if you started a small self-employed business in the last twelve months because you won't even have the proposed help that is supposed to be coming the way of the self-employed in June.
Just as small businesses are the greatest source of employment, the greatest source of growth in employment and are the engine of the economy, the value of the UK housing stock is the rock on which this is based. So if the government destroys the value of UK housing stock as a consequence of what it perceives it has to do to respond to COVID19 the government will create a recession that is not just very deep, but very long-lasting and very painful.
Telling tenants they don't have to pay their rent will just create another, bigger crisis.
Matarredonda
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Sign Up13:49 PM, 6th April 2020, About 5 years ago
Reply to the comment left by Paul Essex at 06/04/2020 - 12:03
100% correst Paul as am also in that position.
Beaver
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Sign Up14:00 PM, 6th April 2020, About 5 years ago
Reply to the comment left by Matarredonda at 06/04/2020 - 13:49
It's not just about mortgages. As a landlord you have lots of other costs and responsibilities besides making the mortgage payments and successive governments have made all these things harder for you.
Most BTL landlords do not have big portfolios. They have 1-2 properties that they bought to supplement their income, as a retirement fund, or both. A few weeks ago I saw a press release saying that for the first time the value of UK pensions have increased beyond the value of UK housing stock. That's probably just switched because so many pension funds are invested in the stock market and the stock market just crashed. Most BTL landlords have a small portfolio that they rely on to supplement their income or for their retirement.
If the government permits the tenants-good-landlords-bad rhetoric to hold sway they will be allowing a left-wing element to attack the economy and in the end that will probably kill more people indirectly than Covid19 does this year. For the most part they will be attacking small businesses and people who worked very hard to get where they are today. Many of those people are not eligible for the support now being provided to the *minority*. Because the available support is support being provided to the minority.