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 Up15:11 PM, 16th March 2012, About 13 years ago
This is a fantastic landmark & way forward for the future of the
Private Rented Sector, both for landlords AND tenants in this country.
Again, we are proud that Landlord Referencing can be party to assisting
Experian in the future in any way we can, with our vast database, to
work together on this revolutionary initiative.
Whilst still offering our fantastic free lifestyle references; yet still maintaining our unique identity and the security, privacy & respect of our community.Read the original press release here> http://www.landlordreferencing.co.uk/blog/2012/03/15/exclusive-experian-press-release/
Mary Latham
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Sign Up16:18 PM, 16th March 2012, About 13 years ago
I am delighted for good tenants but this may also deter those who don't see rent as a priority when they have crfedit cards and loans to repay. Universal Credit has the potential to put many tenants in the situation where they must prioritise their financial commitments and rent may just have move higher up that list.
I can feel a new blog comming on.
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Sign Up18:55 PM, 16th March 2012, About 13 years ago
I think you are absolutely correct.
Rent is is the top priority debt, just like paying the mortgage.
Tenants seem to think, with some justification that it won't affect them if they don't pay their rent on time.
Having this facility will be useful. but I think it is a bit of a cheek to charge LL when we are supposed to update the info for them for free!
When you think that Callcredit already offers free access to their creidt files via the noddle.co.uk service why would anyone pay experian.
I think we are rapidly getting to the stage where credit reports etc will be free to individuals on the basis that the more accurate data the credit agencies have the better offer they have for their business customers.
Nothing motivates someone more if they know they may keep their credit files accurate for no charge; which is what all prospective lenders want.
This as it enable them to target their offers more effectively.
It is almost a googleisation of data.
Google seem to have done ok out of providing everything for free!
The USA have had this for years.
Rob
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Sign Up7:47 AM, 17th March 2012, About 13 years ago
Great idea but why would i want to "pay" experian just so the tenant can build up there credit score,im just not going to bother ive done just fine without this service for the the last 10 years so why add another expense to my accounts. Just like the deposit protection scheme "great idea" but why should i pay £30 a time just so the tenant can take me to court if i charge them for something!
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Sign Up12:58 PM, 17th March 2012, About 13 years ago
I like this idea a lot. Tenants should be rewarded (with a better credit record) for prompt payment of rent. However will this new service result in lower application fees for tenants?
Many letting agents throughout the UK still charge new tenants high application fees for information that readily available for free! For example, the free credit record service offered by Noddle.co.uk (referred to by Paul Barrett).
I hope Experian's new initiative and increased Social Networking (i.e. http://www.rentfare.co.uk, Facebook,Linked-In & Twitter) will help to reduce these application fees in the near future.
Mark Alexander - Founder of Property118
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Sign Up13:37 PM, 17th March 2012, About 13 years ago
@twitter-477855604:disqus - interesting point. How much do you think is a fair fee to charge as a letting fee based on what I need to do to protect my tenant, their potential new neighbours and my investment:-
1) Advertise the property and arrange viewings
2) Complete and process applications
3) Visit them in their current home to see how they live
2) Network referencing
3) Credit check (tenant and guarantor)
4) Produce compliant Tenancy Agreements
5) Produce compliant Guarator agreements
6) Complete a full and accurate inventory
7) Arrange gas checks and provide certificates
8) Ensure that EPC is in date and provide copy certificates
9) Arrange check in and provide advice on use of appliances and avoiding damp
10) protect deposits and provide certificates
11) Self insure or purchase Rent Guarantee Insurance
12) Insure my landlord liabilities
I charge £150 for this which equates to around £25 per hour.
Is that fair in your opinion?
My list is quite simple as I don't target LHA tenants or rent out HMO's.
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Sign Up16:58 PM, 17th March 2012, About 13 years ago
Hi Mark,
Thanks for the question(s).
Charging every new tenant a flat fee of £150 regardless their rental
history or time spent on the application process is the issue. A lack of transparency with regards to
these fees is also a problem; indeed do you supply every applicant with a
breakdown of the £150 fee (by item on your list below)? And how much do you
charge for a joint application? £300?
Many tenants rent from high
street letting agents already and have previously paid expensive application
fees when applying for their current/previous residence(s). Most would argue
that dependant on acceptable references (tenancy & employment) and personal
credit reports from their current letting agent or own personal records why
should they have to pay such a high fee again?
Indeed how much would you
charge if a new applicant had a profile page on Rentfare.co.uk with the
following details already available?
- A full Tenant Reference from the current Landlord/Letting Agent
including copies of the following documents from the previous checks; tenants
references from previous Landlord/Letting Agents, credit checks and employment
references.
- A copy of a current personal credit report.
- A reference from a current employer.
- A complete application form.
If letting agents were to
embrace social networking when checking a tenant’s references (a social
reference record) then I’m sure the time spent on new applications would be
reduced, good tenants would be identified easier and therefore the fees
reduced.
Can I also ask if you charge
the Landlord/Client for the points marked with a (*)? It seems that a lot of
these costs, previously recovered from the Landlord/Client, are now recovered
via the tenant to reduce the charges to the Landlord/Client.
1) Advertise the property and arrange viewings - * Most
tenants would expect this cost to be covered by the management fee charged to
Landlord/Client?
2) Complete and process applications – A
nominal fee.
3) Visit them in their current home to see how they live – How
widespread is this practice? I’ve not experienced it personally but would
suggest that it could reduce the need for in depth checks and therefore reduce
fees.
4) Network referencing – * See my comments above.
5) Credit check (tenant and guarantor) – * It’s
becoming more apparent (from the article above) that the cost of requesting
credit checks is reducing, so much so that they are now often free!! So why
charge?
6) Produce compliant Tenancy Agreements – A
nominal fee. Filling in a compliant TA template
with the applicants details does not take long.
7) Produce compliant Guarator agreements – As above.
8) Complete a full and accurate inventory – * A
nominal fee or covered by Landlord/Client management fee.
9) Arrange gas checks and provide certificates – * A
nominal fee or covered by Landlord/Client management fee.
10) Ensure
that EPC is in date and provide copy certificates - * A
nominal fee or covered by Landlord/Client management fee.
11) Arrange check in and provide advice on use of appliances and
avoiding damp – Free…advice should cost nothing.
12) Protect deposits and provide certificates – Free,
it was free before deposit protection was required!
13) Self insure or purchase Rent Guarantee Insurance & Insure my
landlord liabilities – How much is your insurance? Spread across all of your tenants is
this really that much?
I charge £150 for this which
equates to around £25 per hour.
Is that fair in your opinion? The short answer…No, not for all tenants. If you were to spend only 2 hours checking these details, and receiving acceptable responses, would you only charge them £50?
My list is quite simple as I don't target LHA tenants or rent
out HMO's.
Looking forward to your Response.
Kind Regards,
Sam
Mark Alexander - Founder of Property118
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Sign Up17:32 PM, 17th March 2012, About 13 years ago
@twitter-477855604:disqus then we will have to agree to disagree. Firstly, we manage our own properties, time is money, we choose not to employ an agents. Second, agents charge a lot more than us. Up to 6 weeks rent to let a property and 15% of rent. I don't have a problem with that, I know what they do for their money and good agents earn it. That said, it's not commercially viable for my family to pay those fees so we simply choose to save the money and do it ourselves. We charge £150 for the due diligence I described above for a couple and an extra £50 for subsequent tenants, maximum 4 tenants in total as we don't do licencable HMO's. Regardless of what is presented by a tenant we still do our own checks. We have never had a cannabis farm or anything like that and we never intend to, hence we only trust our own due diligence.
The typical cost of referencing and 6 months RGI is £95, my family get a deal based on volume for just under £50 as we've set up our own management company. The balance of our fees pays for our time. If we didn't have a queue of people wanting to rent our properties when they come onto the market we would have to reconsider our charges or whether we wanted to stay in business. We don't have that problem though, we provide quality property and sensible pricing and recently we've had tenants bidding against each other by offering us higher that advertised rents to live in our properties. The things you have said are free are not really free, they take time. Maybe we can get a free credit check but can we get somebody to provide us with free landlords, bankers and employers references and then provide us with Rent Guarantee insurance for six months for free? Nope, it's never going to happen is it?
Thanks for focussing my mind on this, we haven't increased our prices for a very long time. Having thought through everything we do we may now have to reconsider, especially based on the current strength of the rental market.
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Sign Up17:32 PM, 17th March 2012, About 13 years ago
If you were to spend only 2 hours checking these details, and receiving acceptable responses, would you only charge them £50*?
* Sorry £60...maths went out the window for a minute there.
Mark Alexander - Founder of Property118
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Sign Up17:38 PM, 17th March 2012, About 13 years ago
If it only took two hours to do everything on this list I woud be cutting corners and putting my tenants, their prospective neighbours and my own investments at risk. The horror stories I publish on this site are often as a result of landlords failing to do due diligence, either due to sloppiness or lack of knowledge of what should be done for everybodys protection and benefit.