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.
Dr Rosalind Beck
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Sign Up9:05 AM, 19th November 2016, About 8 years ago
Reply to the comment left by "Steve Wood" at "18/11/2016 - 23:45":
Thanks, Steve. At the moment, on a personal level, and having already increased rents a bit last November and intending to do the same in April to mark the new, lunatic tax regime, I am marginally better off because of s24 as it hasn't come in yet. It therefore truly is the tenants who are being affected. But I remember when I paid interest rates of 5 to 6% and of course although this is not likely soon, it is obviously possible at some point and I have to build a war chest for potentially infinite tax rates.
For me it is the how an increase in finance costs leads to higher rather than lower effective tax rates that is so disgusting and ridiculous. For others the effect will be very dramatic immediately; for me there would need to be an increase in the base rate by about 3% to tip me into a loss. The more I increase my rents in the meantime, the better protected I will be.
I do believe it is inevitable Section 24 will be repealed sooner or later. This is the first letter - and as far as I am aware, the first acknowledgement ever - from the Treasury that they are aware of what happened in Ireland, even though they have misunderstood/are misrepresenting it. So our persistence is paying off by them at least being better educated. I do think it must be hugely embarrassing for the Treasury and HMRC staff to have to defend the indefensible - but it is their job...
Pete David
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Sign Up9:17 AM, 19th November 2016, About 8 years ago
Just to chime in, our rents need to rise by £40,000 by 2021, for our portfolio to remain as it is. That's for 14 houses so it's going to be a truly dreadful time for tenants. They'll have to get two jobs per person and cut right back to the very barest essentials. Or they'll move to somewhere less desirable whilst we convert decent houses into horrible multi occupancy 'pack 'em in tight' properties with much smaller rooms and shared toilets etc. I am surprised at how much disdain the government is showing to tenants here. And the most amazing thing is we are not hearing the slightest peep from ANY tenancy associations or indeed local councils. Are they truly not aware of what is coming their way ? Do they honestly not have the slightest idea?
Jonathan Clarke
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Sign Up9:59 AM, 19th November 2016, About 8 years ago
Reply to the comment left by "Peter David" at "19/11/2016 - 09:17":
I have several East European tenants. By and large they have a great work ethic and often have two jobs already to make ends meet . I had my first one take 3 jobs recently to pay the rent increases forced on me because of this ugly Sec 24.
With winter fast approaching heating bills will rise and their budget will be severely stretched again. The children suffer because their Dad never gets to see them as he is always working. If not working he is sleeping. There is simply no healthy work/life balance for so many families.
I met one tenant at lunchtime the other day for a maintenance matter . He hadn't slept in 24hrs. He stumbled whilst holding his 7 mth old baby through sheer exhaustion. Luckily he recovered his stride and the baby was unharmed but the outcome could have been very different.
This tenant tax is far reaching and cruel in its knock on effects.
Steve Wood
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Sign Up10:04 AM, 19th November 2016, About 8 years ago
Probably get rent rise caps next. That's the extent they listen. Sorry love, got nowhere for you too put you...not why I went into politics to tell homeless families that! Was that what the council chap said the other night on th BBC. Cold winter ahead. Collateral damage to help FTB. What only if home building was made easier, a priority and supported by HMG. More people than houses may be the in escapable truth. But the system has failed. Wake up HMG. Listen to these people. Stop deflecting the blame. U turn u turn u turn. When I mess up I say so. If I knew I what you now know, I'd act quick.
Steve Wood
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Sign Up10:10 AM, 19th November 2016, About 8 years ago
He may not have said'love'!
Pete David
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Sign Up10:12 AM, 19th November 2016, About 8 years ago
We need to raise this issue with local councils and tenancy associations. This is "Cathy come home" all over again.
Sunita Rickman
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Sign Up10:16 AM, 19th November 2016, About 8 years ago
Reply to the comment left by "Peter David" at "19/11/2016 - 09:17":
Say a News section yesterday - about Scotland - they're already bringing in a Law whereby Landlords will not be able to evict tenants - unless they are selling their property???? showed disgusting buildings with damp & ceilings falling in & as usual blamed the Landlords.
Adam Lawrence
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Sign Up10:20 AM, 19th November 2016, About 8 years ago
Fellow landlords. We need to WAKE up.
This is by far the best response that makes the most sense from any public official/office so far. There are a number of excellent facts in there. Certain dross and noise needs to be REMOVED from this debate and we need to stop crying into our beer.
1) drop the claims of unfairness with corporate structures. As correctly stated the new dividend taxes introduced at the same time mean there's a limited (but non zero) benefit to using company structures. Not enough to get this tax repealed. Drop it.
2) the comparisons with Ireland are not like for like as indicated. Point them out as a potential red flag, but as they were indeed more extreme, don't make more of them than this. People are going around shouting about how it will be "the same as ireland". It won't. It may well be similar but it waters down the real arguments we have.
These are two of the many arguments that are adding noise and clouding the issue.
The bottom line rather than worrying about our own tax bills is that we MUST make the government focus on the INCIDENCE of the tax. I'd suggest giving them a quick economics lesson in price elasticity.
E.g. it's widely known that as petrol prices rise, demand falls very slowly I. E. Petrol is INELASTIC. There are very few substitutes that are workable (public transport, bike, walking) for the majority.
As the price of a good or service with lots of substitutes goes up, conversely, the price of it is much more ELASTIC. One example could be dulux paint.....if it raises prices significantly we can substitute Johnstones for example (ceteris paribus).
How ELASTIC do you think demand is for rental property? More like petrol than dulux paint in my opinion. What are the substitutes for a private rented property?
For a single person or some couples without kids - HMO. A growing sector.
For a family - social housing if available - a sector that is riddled with problems, chronic undersupply and no plans whatsoever to rectify this.
Share a property with others/sublet. A growing sector which involves taking quite a bit of risk.
Move back in with mum and dad - or don't move out. A growing sector!
In comparison, it seems like the alternatives are less workable than the petrol alternatives, let alone the dulux paint ones.
BASIC economics and the fundamentals of business tell us that if the price of your "supply" of a good or service goes up, whether that be exchange rate, tax, or inflation, the supplier will pass on a percentage of the higher cost to the end user.
In the paint example, with elastic price elasticity, the supplier takes the majority of the incidence on the chin and passes on a small amount.
In the petrol example, almost all of the incidence is passed on to the consumer, us at the pumps.
In the housing example, the amount passed on will depend on the elasticity of private rented accommodation. My suggestion is that it is HIGHLY INELASTIC.....over to HM Treasury to rebut that theory. I look forward to the response - sadly I'm 100% certain that if they press ahead with s24 that the outcome will be extreme rent rises.
Unite - be clear - cut the weak arguments and the noise - use something grounded in both theory AND observable fact, from millions of examples in the past. Price elasticity!!!
Jonathan Clarke
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Sign Up11:35 AM, 19th November 2016, About 8 years ago
Reply to the comment left by "Adam Lawrence" at "19/11/2016 - 10:20":
I think housing is pretty elastic and has some give in it yet before it snaps . The % of people who sleep rough on our streets is proportionally very very small. The majority find somewhere to put their head down. Existing brick built structures in pure physical terms compared with heads of population can absorb the excess albeit the distribution would be unsavory for a whole host of reasons.
For example none of my adult children live with me but if push came to shove they could. I deal in the LHA market and get dozens of enquiries from people who are sharing with family / friends. Attics and conservatories and sheds and garages are adapted and converted to make room for them. Its unhealthy but its in the dry. Overcrowding is a very subjective term.
These people though when they call me up I call the Homeless within a Home. They relate to that phrase. The figures on these I have yet to see and I doubt anyone knows. My gut says that the elastic take up has still some way to go before people spill onto the street in great numbers.These people are largely hidden from view but it will get much worse. Councils foyers will be the barometer. Add to that police station foyers and hospital A&E departments. Town halls and emergency shelters used for when we have natural disasters will take up some of the slack stretching the elastic still further . Then we have tents and converted container units like the Calais jungle etc etc .
This is because they will run out of B&B and Travel lodges at some point. Its inevitable I think that they will then turn to us to provide emergency accommodation for the very people we are evicting and then pay us an enhanced rate over and above the market rate to do this thus paying for our Sec 24 bill . The DHP pot will receive a massive boost,
So the elastic may never snap but just get pulled distorted and used and abused to fit around the problem.
The poor tenants will be used like slingshot as the elastic attached to the catapult of life bounces them around all over the place.
Michael Barnes
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Sign Up11:50 AM, 19th November 2016, About 8 years ago
Reply to the comment left by "Adam Lawrence" at "19/11/2016 - 10:20":
A reasonable argument.
I suggest that you send it to Treasury and post the response back on this site.