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.
Robert M
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Sign Up21:07 PM, 13th October 2016, About 8 years ago
I've had many instances of malicious (criminal) damage to, and thefts from, my properties. I tend to find that the police will respond a little better where there is a theft of an item, e.g. cooker, washing machine, etc, but in relation to criminal damage then they simple say it is a civil matter and I should deduct it from the tenant's deposit and/or I should chose better tenants!
In some areas of the country it is easy to find good tenants, but in some areas the only option is to take tenants on benefits or low incomes who cannot provide a deposit.
Even when there is a deposit paid, one month's rent never covers the cost of malicious criminal damage. The police/CPS do not prosecute for criminal damage, so the tenant is not held responsible for their actions, and the law effectively allows them to smash up your property without fear of prosecution.
Under civil law the only option is to sue the tenant, but of course if they have no assets (and are unemployed) then there is no effective way of enforcing any county court judgement, as the law does not allow us to get a deduction from the tenant's welfare benefits. (It allows deductions for utility companies, councils, benefit overpayments, and magistrates court fines, but NOT for landlord trying to get former tenant rent arrears or compensation awarded under a county court judgement). Thus, the tenant has no fear of the civil law either as there is no effective enforcement method for obtaining a judgement debt from a low income benefit tenant.
I had a case where I sent a rent reminder letter to a tenant (he owed about £400) and he took offence at being asked to pay the rent so he smashed up the house and deliberately flooded it as he moved out, and threatened to come to my home and "stick a screwdriver through my eye". The police did nothing.
I had a case where a tenant stole the cooker and fridge, and damaged the carpets, walls, and windows, but the police said the damage was a civil matter so all they could look at was the theft of the cooker and fridge. The CPS only prosecuted them for the theft of the cooker and I was awarded £100 compensation, (not enough to replace the cooker, let alone pay for the electrical repairs due to them ripping the old cooker out roughly), that was about 4 years ago and so far I've only received about £25 of that.
I had a case where tenants had brought in three great big bulldogs, then when the couple split up they left the dogs unattended in the house for periods of time and the dogs chewed (shredded) everything and left multiple piles of dog poo in all the rooms (every single room had dog poo in it). The remaining tenant then abandoned the property, leaving all the rubbish and dog poo behind for me to clear up. The police were not interested.
Perhaps the Property118 "union" should consider taking legal action against police/CPS/Government for not enforcing the laws on Criminal Damage done by tenants to landlord properties, or alternatively, fighting for an effective means of enforcing judgements against benefit tenants. Currently, tenants (particularly those on welfare benefits) are not being held to account for their wrongdoings, and this is unjust and makes a mockery of the British legal system.
Mark Alexander - Founder of Property118
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Sign Up21:13 PM, 13th October 2016, About 8 years ago
Reply to the comment left by "Robert Mellors" at "13/10/2016 - 21:07":
Let's pick our battles wisely.
.
Robert M
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Sign Up21:46 PM, 13th October 2016, About 8 years ago
Reply to the comment left by "Mark Alexander" at "13/10/2016 - 21:13":
I agree we need to pick our battles wisely, and if this judge takes the matter seriously and has any influence to change it, then hopefully justice will prevail and no battle will be necessary. BUT, criminal damage by tenants is something that affects (or potentially affects) all landlords, so it is an incredibly important subject and one that is so skewed against the landlord that it causes an injustice affecting millions of people (as landlords costs are increased by incidents of criminal damage by bad tenants so it is yet another pressure potentially causing rents to rise, thus it affects both landlords and good tenants).
Mark Alexander - Founder of Property118
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Sign Up22:09 PM, 13th October 2016, About 8 years ago
Reply to the comment left by "Robert Mellors" at "13/10/2016 - 21:46":
I agree, and with enough resources we will eventually tackle many more issues affecting landlords.
We are a fledgling organisation at this stage though. When we have thousands of members we will achieve many more great things for our industry.
Just remember, we only have 24 hours in each day, limited resources and only four directors and no staff right now.
.
MoodyMolls
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Sign Up7:31 AM, 14th October 2016, About 8 years ago
Reply to the comment left by "Robert Mellors" at "13/10/2016 - 21:07":
Totally agree Robert
I believe we should be able to get the money from the government then they extract it from the tenant.
This will highlight very quickly the scale of the problem. Its also annoying when suddenly out of the blue a deduction is taken from the benefit payment for an overpayment on another property which the council has just got around to dealing with.
A judge in London use to say to the landlords that they had little chance of recovery of money.
Regarding deposit what I find is if they have paid the deposit then they withold the last months rent , what are you going to do? I think on the deposit forms when it asks the question did you return the full deposit it should provide a box to say the tenants witheld last months rent.
And has you point out a deposit of 700 does not go anywhere when the damage is c 5000
Robert M
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Sign Up8:55 AM, 14th October 2016, About 8 years ago
Reply to the comment left by "KATHY MILLER" at "14/10/2016 - 07:31":
Hi Kathy
While it would be good for the landlord to get the full amount from the government and then leave it for the government to recover the debt from the tenant, I'm not sure that is fair on the taxpaying society as a whole. Personally, I think it would be better (and much easier to implement in law, via a very simple Statutory Instrument), if an amendment was made to the Social Security legislation so as to add in landlords/former landlords as one of the category of people who can obtain a "third party deduction" for debts owed by the claimant, i.e. a direct deduction from the former tenant's ongoing welfare benefits, including tax credits.
If the former tenant can see a deduction from his/her ongoing benefits due to rent arrears or criminal damage (up to the total debt on the CCJ), then this may put them off smashing up the next property (or not paying the rent). They will be held responsible/accountable for their actions. This could improve their behaviour towards the landlord's property, AND have the knock on effect of reducing anti-social behaviour generally, thus saving police time and resources.
Such a change in the law would be simple, it is just one additional category of creditor (former landlords) that becomes entitled to a "third party deduction" from a claimant's benefits, it can be implemented into law by a Statutory Instrument so does not need a parliamentary debate. It would not cost the Government anything, and the knock on effects would actually save the Government money. It concurs with the Government's general principle of making people responsible for their own actions, and being held to account when they break the law. It would help to reduce the need for rent rises, so would be of benefit to all good decent tenants everywhere.
Mark, I know we have to choose our battles and campaigns carefully, and there are limited resources etc, but surely this minor change in the law would be welcomed by the Government and all decent people, because it will save taxpayers money and ensure people are held financially responsible for their criminal / anti-social behaviour. It is good for the Government, good for the landlords, and good for society as a whole.
This would be more of a campaign for change, than a legal dispute, so it should be less contentious and have much wider backing, e.g. NLA / RLA / ARLA, etc.
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Sign Up13:09 PM, 14th October 2016, About 8 years ago
Most of the damage reported in this thread is not criminal damage. Putting a hammer to the tiles and windows, etc is vandalism and is criminal damage but living in filth is not. Being careless and failing to take responsibility for the property is not a criminal offence but is something LL can seek recompense via civil procedures if it exceeds fair wear and tear.
LL choose this demographic because it appears lucrative. However, there is often a catch as this demographic are higher risk. LL need to stop being so obsessed with yield and look at the overall picture. Simple yield is a fools measure. Real yield = basic yield X risk.
Many of the stories and videos in this thread are humiliating for vulnerable people who may be suffering from mental health disorders and they should not be put before criminal courts. I sympathise for small LL who suffer loss but if this segment is too risky, then go for a less challenging segment and accept a lower yield. 'Middle class professionals' can also have mental issues or be malicious, but at least you can recover damages from them.
LL should show compassion for the vulnerable T who cannot control their own behaviour or take responsibility for anything.
I think build to rent schemes (BTR) will be better resourced to give vulnerable T the care and support they need. If they can afford to, LL who identify such vulnerable T's should offer to help these T's move into BTR housing by paying their deposit and first months rent and then chalk it up to experience. This would help the vulnerable and also reduce risk in this segment of the market for all small LL.
Perhaps property118 could set up a vulnerable T rehousing charity and LL could make donations that may qualify for tax relief? It would also be good publicity to show LL really care.
Mark Alexander - Founder of Property118
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Sign Up13:22 PM, 14th October 2016, About 8 years ago
Reply to the comment left by "Joel Davis" at "14/10/2016 - 13:09":
Hi Joel
By all means set up your charity and I will decide how much to contribute based on the amount you put in.
I can't understand why you think landlords should pay a deposit or first months rent for a vulnerable tenant though. Would Tesco give a couple of months worth of shopping to a thief to persuade them to go to another store if the thief had mental health issues? If not, does that mean they don't care?
.
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Sign Up14:44 PM, 14th October 2016, About 8 years ago
Reply to the comment left by "Mark Alexander" at "14/10/2016 - 13:22":
Just to be clear, those who are malicious and cause wilful damage should face the full force of the law and should be rehabilitated in their new home at HMP. But, those with mental health problems that result in non-malicious damage are not guilty of a crime. LL cannot solve this problem by criminal or civil procedures so need to find another way to mitigate risk/costs.
As it is now, vulnerable/risk tenants move from one small LL to another, over and over again. Every small LL will suffer a loss sooner or later. Risk Ts will always need to live somewhere, but now there is an alternative destination. It would help LL if risk tenants were removed from circulation and placed in BTR where there are better resources to manage any issues.
I estimate that if a risk tenant can be removed from circulation for the cost of a months rent and a deposit, the investment will pay for itself by reducing far greater potential future losses on average for every small LL.
The govt backed BTR are a social project intended to engineer a new future of housing. They will be heavily subsidised by taxpayers including small LL. It is only fair that they perform a social function and do their fair share of housing vulnerable Ts. Small LL should do their bit and help identify appropriate residents. Giving them a leg up is more responsible than passing them to another small LL.
C.24 is motivation to put rents up, but also to reduce costs. The above will reduce costs. To sustainably increase rents, LL need to reposition themselves to acquire and retain more profitable high value Ts. Refurbishments and improved marketing should accompany rent increases. It would help if risk Ts are housed in BTR. If LL do not change their approach, BTR will take all the premium T and leave small LL with the risk T's. BTR is a social scheme so it is not fair if they take all the profit and leave ill equipped LL to cope with risk Ts.
With the 'Tesko' example, it would be like you have a corner shop and shoplifters keep coming in. Then the govt tax you on your business loan and give the money to 'Tesko' who open a shiny new store nearby heavily subsidised. 'Tesko' can afford CCTV and security tag alarms, etc. and are subsidised by taxes. Alcoholic shoplifters are society's responsibility. If 'Tesko' are given subsidies then they have a greater social responsibility so the risky customers should be shopping there so that they will get caught and sent for rehab.
It is counter-intuitive to pay risk tenants for bad behaviour, but if you have no stick, then use a carrot.
It think that if a BTR is subsidised, they should only get planning and grants if they take a quota of vulnerable Ts. It think it would be a good policy, well supported by politicians.
Luke P
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Sign Up14:49 PM, 14th October 2016, About 8 years ago
Reply to the comment left by "Joel Davis" at "14/10/2016 - 13:09":
We are purely the property provider and not their social worker! Our taxes should provide necessary support, not us.
The problem in my local area is that tenants have never been made to take responsibility for ANYTHING. At home they mess around and their parents do nothing, at school they are disruptive, but there's no consequence. When they are arrested, they are let off light/scott-free by the Courts. When they run up debts with big companies, despite the threatening letters, nothing comes of it.
I am disliked in my area amongst tenants (those that have left under a cloud), because I take a homeowner guarantor with every tenancy and they are the ones who ultimately pay and although it's not the tenants themselves paying, it's parents/grandparents/close friends (which irks the tenant that they are being made to take responsibility, albeit indirectly). For the first time in their lives, their actions are being held accountable...and they don't like it one bit.