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.
Blodwyn
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Sign Up10:04 AM, 29th May 2020, About 5 years ago
I was advised many years ago never to 'act for family' if possible. Wise advice.
I offer no comment on the bones of your proposed transaction but appreciate your wish to be helpful.
Dennis Leverett
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Sign Up10:15 AM, 29th May 2020, About 5 years ago
Be very careful about letting to family because I think, maybe wrong, that family cannot claim housing benefit to rent from family. If you have no connection at all to the Ltd company maybe ok but if you caught out could be very expensive, is it worth the risk??? I don't think so.
Smartermind
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Sign Up10:18 AM, 29th May 2020, About 5 years ago
Reply to the comment left by Lindsay Keith at 29/05/2020 - 10:04
Equally there is another saying "Charity begins at home". Although this is not a charitable act, as the family will be paying rent, Jay appears to be well aware of the potential for conflicts to arise but if you can't help family out...
As landlords seek guarantors from tenants, they are usually family members "acting for family".
Steven
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Sign Up10:42 AM, 29th May 2020, About 5 years ago
Reply to the comment left by Lindsay Keith at 29/05/2020 - 10:04
I agree Lindsay, although having helped family myself I can totally see the laudability of Jay's intent and to be honest applaud it. I regret in my case however the member of my family I helped (my elder sister) took advantage. With family it's never at arm's length; the legal docs may say it is but with relatives blood is always thicker than water. Never underestimate the opportunity for emotional blackmail (in my case through my very elderly mother who's very close relationship to me was used as leverage through the stress my sister caused my mum with bemoaning my sister's own circumstances (ignoring they were wholly of her own making) "and wouldn't it be nice if Steven could help me" and so on). Jay, just be careful of all the smiles and gratitude up front; they might, in my experience at least, when it's all settled in one day be replaced with reverting to type - "Jay, are you ok with us not paying you this month only Covid has really hit us hard..." and all of a sudden you are subbing their life and income. Sure you can pressure them or just say no but it's never as easy as with an arm's length tenant who is not part of your family. If the Council pay you direct then it may be fine (but beware of tenant or Treasury friendly future changes in legislation that may change the rules on which you make your long term decisions now) and your family may of course be very different to mine (and great if it is if I may say) but just be aware of my experience at least. Despite what I say however you are to be applauded in your intent which I can totally understand.
LordOf TheManor
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Sign Up11:04 AM, 29th May 2020, About 5 years ago
For what it's worth, I had exactly the same horrible experience as Steven. My charity began at home..... with all the very best intentions. Never again! I was blackmailed - however it was innocent senior members of the family who paid the ultimate price by being denied access to their great grandchild. I was expected to cave in. The emotional pain was unimaginable and has decimated the family. I would never interfere with fate now. I would let the council sort it.
Mike W
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Sign Up11:15 AM, 29th May 2020, About 5 years ago
Jay,
No.
If it sounds too good to be true it probably is.
I will put the following to you.
If your family rented a property from an unconnected person or company (no links whatsoever) and obtained government support to do so, then no problem.
If your family rented a property from you directly or indirectly it could be considered fraud with you benefiting from the Government handout. (Note I said could be considered.) Many lenders (if you were to seek finance) prohibit renting to friends/family again for the fraud risk. The argument being your business income benefits from the government support to a family member.
Now you could go to great lengths to prove that everything was above board with multiple independent valuations on rent levels etc but the hassle would be immense and frankly it may be rejected outright without consideration of the merits.
And if you did not declare the obvious conflict of interest up front then, in my humble opinion, you could be in trouble.
Now I am not a member of the legal profession so I don't know the legal position, but what I have stated I consider to be reasonable.
All the above clearly is independent of your desire to help family etc.
Simon M
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Sign Up11:15 AM, 29th May 2020, About 5 years ago
It's years since I last worked with Housing Benefit, but it's difficult under the legislation and it's unlikely to have changed. The purpose of the legislation is to prevent fraud - it is taxpayers' money. When claiming HB your relative is asked to declare if they have any relationship with the landlord. If they name the company and don't name you, if discovered, they and you might be liable for fraud. You'll both be liable for repaying all the HB, and you also risk a conviction, fine and possibly even a prison term.
Google 'contrived tenancy'. I see Shelter advises the Council must consider each case on it's merits, but you'd have to be very open, always charge full market rent and make a strong case.
Yvonne Francis
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Sign Up11:16 AM, 29th May 2020, About 5 years ago
If your property is in a Company there is a problem if the property is worth £500,000 or more, either now or in the future. Its called an Envelope Tax. I gave my son and daughter a house within a company and I often think of living there, paying them rent, but the house is in an expensive area and is coming close to that figure.
https://www.gov.uk/guidance/annual-tax-on-enveloped-dwellings-the-basics
Steven
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Sign Up11:39 AM, 29th May 2020, About 5 years ago
Reply to the comment left by LordOf TheManor at 29/05/2020 - 11:04
Very sorry to read that LordOfTheManor, it sounds b awful and you have my greatest sympathy. Think on when you can that others of a similarly kind heart will see you did it all for the best of intent and those that harm you only show their true - and base - colours. Never a day goes by when I don't think of how I could have done things differently and I agree totally with you - avoid if you can. With my sister I've been Neville Chamberlain; now my help seal has been broken it's merely encouraged her to take more of her life's angst out against me rather than be satisfied. She's in my property and that's it there's not a thing I can do. Jay, once you're in it's a one way street. If you really feel you need to help, go in small (and I mean really small) and in a way you can easily turn the tap off when you want. I'd have done cash loans and taken out security with second charges. You can always just stop and say "sorry that's all I can afford". However, once members of your family are in your property that's it - you're well and truly in! And the other members of your family that love you for having done what you so generously did just become in the eyes of those you have helped the perfect leverage to get you to help them more, and more, and more ("but can't you just help them a bit more Jay, after all as they quite rightly say they are looking after your property for you aren't they... Go on, there's a nice lad, after all they are being nice to you by looking after your property aren't they so you can't really say no to them can you...? It's little Jimmy's birthday next week and I don't want his mummy upset on that day.") Your emotional and financial knackers are in their mangle. Eg in my circs I am now seriously thinking of taking out Japanese Knotweed insurance because I really wouldn't put it past my sister... notwithstanding she is living in my house rent free for the rest of her life (yes I was that dumb!) and my 95 year old Mum wouldn't know what Japanese Knotweed was if it made her a cup of tea. Just be careful (or in my case don't make the mistake of being a more successful younger brother than my more talented but fundamentally lazy and spendthrift elder sister who now sees me benefiting from my thrift and hard work). Just know one thing - among all the warm and fuzzy feelings you may experience up front of being able to help loved ones you won't think of every eventuality, least of all how love can suddenly and most unexpectedly involve pain in equal but opposite measure and where it is least expected or deserved...
Janet Carnochan
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Sign Up11:56 AM, 29th May 2020, About 5 years ago
About 10 years ago I asked a solicitor the same question and I was told legally the answer is no, you cannot rent a house to a family member and then get paid housing benefit, even if they would otherwise be entitled to HB.