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.
Ben Reeve-Lewis
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up21:16 PM, 19th March 2012, About 13 years ago
Yeah I wrestle with conflicting ideas on this.
Sticking solely with the Westminster thing for now (This is a massive subject that wil probably become a book in its own right) Imagine a secenario, that I dont think will be uncommon. Adult parents earning £20k each, which in London is shop assistant wages, hardly second home 'gite in Draguinan' territory, and adult child earns the same whilst trying to save deposit to stop being a KIPPER (Kids In Parents Pockets Eroding Retirement Schemes) and save a mortgage deposit (£80k at the last call I heard for London) How can they do that when they will lose the home because of joint household income?
Kid will be even further down the rung of homeownership and parents will have been thrown to the PRS at a rent vastly increased from social levels. Who is served by this?
When they trialed a similar system in New South Wales they found that many who were interviewed were disincentivised from getting work in case they lost thier home.
I'm not saying this is good or an effective approach to life's vicisitudes but it is simply how people responded. You cant use renting legislation to educate people.
The government are certainly using UC and rent direct payments to empower people to take control of their financial lives, and I agree, people need ot take more control but to expect that to happen just by introducing the legislation is a fools errand and seriously misunderstands how people work.
Your witness.....:)
Mary Latham
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up21:35 PM, 19th March 2012, About 13 years ago
Like you Ben I wrestle with this. On one hand I see local authorities struggling to house vulnerable people, some with familes with young children. All are trying hard to work with the PRS to increase their options.Many people believe that Westminster is an area where people with high incomes buy homes and therefore the local authority should be pulling in revenue from that area that they might not get from a less expensive area because the property they have there is a public asset.
When UC comes in people on benefits will face the same decisions those who are working face every day. What can I afford from my income and how can I reduce my costs to live within my means
I totally agree Ben Rome was not built in a day and we need more education at every age to help people to rethink their situation and learn to live by new rules. legislation alone will not do this but it is a start.
Ben Reeve-Lewis
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up22:12 PM, 19th March 2012, About 13 years ago
I dont think it is a start though.I think it is misplaced.
Many people who work, drawing down a monthly wage cannot make ends meet, either because they dont have decent money management skills or because thier wages just dont allow them to live a normal life, even if they dont overstretch themselves.
I worked for the council until 2001 when I went self employed. At that time everyone just worked their job. I came back when the recession hit my training business in 2009 and the difference is, nearly everyone I work with now does at least 2 jobs. Whetehr they work in a bar 3 nights a week or runs business on the side (Importing black people's hair, cake making, catering, beauty prodcuts....to name just a few) and I'm not talking about funding a collection of Jimmy Choos or a second home, just people trying to feed their families.
Its bad, and simply putting the unemployed in the same positio as the employed, with a monthly wage to manage does nothing at all to help them manage it. I struggle and I am on what would be termed a decent wage and Frazzles is a hard working self employed travel agent, working 15 hour days 7 days a week to service her corporate clients. If we struggle how will UC as a principal help people?
On the one hand is bad money managemtn skills, on the other hand is simply not earning enough to meet basic outgoings. I cant see UC helping in either situation
Mary Latham
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up23:06 PM, 19th March 2012, About 13 years ago
I think you have hit the mail on the head Ben. People who work and do not earn enough to pay their bills find a way to earn more because pay their bills they must. There is a perception that those who do not work have an expectation that "someone" must take care of them and often do not see it as their responsiblity to find the extra money from their own endeavours.
The fact is that there are not enough people in work paying into the system or that those who are in work are not paying enough into the system to afford those who do not work the lifestyle they want. We therefore have three options
1. Get more people into work
2. Take more from those who are in work
3. Give those who are not in work less
I am proud to live in a country where those in genuine need are supported and I am happy to contribute to that support but there has, for several generations, been little or no incentive to work to pay your own way and we now have families where there are four generations who have never worked.
UC is using option 3.
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up4:07 AM, 20th March 2012, About 13 years ago
I think the idea of empowering people to manage their own benefits is a disaster waiting to happen.
We already have the experience of LHA; that hasn't gone too well has it!?
Or rather it has for tenants who ripped LL off by not paying rent and then moving onto the next mug LL.
For the LL it has been a nightmare experience.
Of course the social LL have not had this horrendus experience that private LL have experienced.
When UC comes in they will face the same problems.
These LHA claimants are by their very nature generally not capable of managing a budget on limited resources.
The idea that things come before fags and booze and drugs is an alien concept to them.
Paying the rent is the last thing thing they will be bothered with.
They know the law is on their side as it will take ages for them to be evicted.
If they can find another mug LL then they will receive LHA and they can do this repeatedly as a lot do.
They know that any county court recovery efforts will be a waste of time.
And so the LL gets ripped off even more.
Of course these are vastly sweeping statements.
After all how many non-benefit claimants have proven themselves incapable of managing their personal financial circumstances?
If it wasn't for the availability of free and easy credit how many people would actually survive on their real wages?
So to be disparaging of benefit claimants is perhaps not the correct approach.
I think one could say there is a general societal immaturity when it comes to people managing their finances.
We are the most indebted of consumers in the world I think.
What have we got to show for it?
The I want it now seems to go across generations.
People seem to behave like children and benefit claimants are exposed more so to this childlike way of dealing with things as they have less.
Society is to blame for this immature way of viewing financial responsibility or should I say irresponsibility.!
Until society impresses a mature responsibility on people to manage their resources we will continue to to see the less capable be more obvious in their mismanagement of their limited resources.
People who have access to credit can hide behind a veneer of supposed financial responsibility.
They are in reality no better at managing things than a benefit claimant.
I think the average consumer debt is £750.00.
This means we have all given ourselves a 35% pay rise.
This as we have spent money we did not earn and yet have to pay back some day.
As we can no longer obtain credit we are stuffed.
It will take decades to return to a normal situation.
The Japanes model is the one we are going to have to follow if we ever hope to recover our senses!?
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up4:22 AM, 20th March 2012, About 13 years ago
If wages had not been depressed by unfettered immigration, more so from the EU we would probably have increased wage levels and less people on benefit as they would be doing those immigrant jobs.
Benefits would probably be less than a normal wage thereby presenting an incentive to work.
These incentives DO NOT exist presently and UC will not make the incentive enough to get people off benefit.
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up6:37 AM, 20th March 2012, About 13 years ago
One of the Sunday papers this weekend "People living in private rented accommodation who pay their rent on time could soon get a boost to their credit rating, following the launch of the Rental Exchange service by Experian." The service will require the tenants permission but perhaps landlords should start to obtain this at the start of any tenancy. It is touted as a boost for first time buyers who can obtain a good credit history ahead of applying for a mortgage. The article I read also noted that a tenants payment history would also be impacted by missing housing benefit payments which are often out of tenants control... Not once we have universal credits they won't be. Clever Experian.
My first understanding of Universal Credits came before my time at Property118 working in the voluntary sector with extremely vulnerable individuals. There was incredulity at the proposals. Neither the individuals nor the charities working to support them wanted Universal Credits. It will be interesting to see where exceptions, if any, are made.
Ben Reeve-Lewis
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up7:08 AM, 20th March 2012, About 13 years ago
@Mary. I dont disagree that benefit culture has created a dependant mentality. I really see the difference each day, as I deal with landlord/tenant disputes and mortgage repossessions and do see a different approach from those who are working and those who dont. But when you say "often do not see it as their responsiblity to find the extra money from their own endeavours", remember you arent supposed to do extra work if you are signing on so technicaly the couldnt even if they wanted to@landlordtweets:disqus
Also, it occurs to me writing this that maybe at the core of the problem is the length of time people spend on benefits. When benefits were invented they were a wonderful safety net for people coming out of the depression, which must have been terrifying but I would guess that the attitude at that time was that it was only a helping hand, but as subsequent generations live on it the mindset changes.
I remember being on the dole for a few months after the collapse of my daft musical career and before I came back into housing and noticed that after a few weeks I stopped getting up early and stopped shaving. Luckiliy I spotted what was happening to me and set an alarm for 8am, even though I had nothing to do, and wore a suit everyday. Sounds daft I know but I thought it was important, then I simply took the first job that came up, driving a 14 ton lorry 6 days a week, starting at 3,30am for £5 a week more than I was getting on benefits. That crappy job helped me get a better job in Homelessness and here I am.
I hate to label all people, if one person is capable of something then so am I if placed in similar circumstances, I wish people could experience something different. If I was on benefits now I would spend as much time as possible doing anything at all, volunteering, working in a charity shop....whatever, just dont slide down there.
When your income has come from benefits for a long time, and particularly if your parents were also on it how are you ever going to learn the skills to manage? but simply dumping all the money in their lap and saying "Get on with it" isnt going to work. AS Teena points out, most people dont want it. I suspect because they can see it coming themselves
But on UC specifiacly. I agree with Paul, I think it is going to be a disaster. I was in Wales last year training a bunch of very experienced housing officers of a council on court procedures for possession and they hadnt heard about the direct rent payments element of it. One guy with 25 years behind him said "We're finished", because he knows where rent arrears will go
Ben Reeve-Lewis
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up7:27 AM, 20th March 2012, About 13 years ago
Oh and I meant to say, behaviourists call it 'Boiling frog syndrome'. If you dump a frog in boiling water it will jump out immediately because its temperature and that of the water arent matched, but if you put a frog in cold water and gradualy heat it the thing will boil because it doesnt notice the incremental changes hapening to it.
This is how you get people to work in concentration camps and explains how people slowly adjust to a benefit mentality.
I think being made to work for your benefits would be the best thing. Not from a Daily Mail hang em and flog em attitude, I just think it would be a real gift to those on benefits. It isnt about being used as slave labour its about the priceless gift of finding out that you are useful and valuable that unemployment takes away
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up8:41 AM, 23rd March 2012, About 13 years ago
As a landlord and an agent in NW London and also having attended a local Borough meeting just two days ago, the UC topic was raised and is getting ever closer. In NW London and outwards this is going to have a tidal wave effect on pretty much every claimant from one beds to four. This in turn will ensure whatever landords are currently within the HB sector will opt out with practically immediate effect. Thus ensuring the property rental market will return to the working sector only as in pre LHA times. I struggle to know which way to turn!