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.
Dean
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Sign Up13:53 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "Richard Adams" at "20/11/2013 - 13:18":
But Richard , if there was an offer on the table as a paid up member you would at least be able to make up your own mind and take it or vote one way or the other.
You have given yourself a choice .
If there are people out there watching and waiting I and I am sure many others would love to know why you have not joined yet.
You could easily set up on here with a false detail just to put your reasons across. Give us the opportunity to try and persuade you to join.
Im sure Mark would take your emails confidentially and add your points if you wouldn't be comfortable posting
Dean
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Sign Up13:55 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "Richard Adams" at "20/11/2013 - 13:31":
Commercial so cant get involved . Cop out !!
Stephen Pears - Mortgage Consultant HD Consultants
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Sign Up14:08 PM, 20th November 2013, About 11 years ago
This may be of interest
I have recently read a trade press article that confirms the FCA has been approached by a number of lenders with a view to increasing their SVR's
Article dated 20/11/2013
A number of mortgage lenders have approached the Financial Conduct Authority to discuss possible changes to their tracker mortgage contracts, the regulator has revealed.
FCA supervision director Clive Adamson has written to banks and building societies outlining their responsibilities ahead of any variation to their standard variable rates or other contract terms. He said: “A number of mortgage lenders have engaged with us recently about changing their mortgage contracts, particularly on SVRs.
“We are writing to clarify our position on how you should engage with us if you want to change your SVR and remind you of the relevant regulations and rules that apply.”
Mortgage lenders do not need to notify the FCA before changing their SVRs, he said, but they must be able to show they have complied with regulation.
Lenders who take this step could find they are in breach of the Unfair Terms of Consumer Contracts Regulations 1999 or incompatible with the FCA Principles for Businesses, he said. Adamson also reminded lenders of the regulator’s plans to consult on fairness in the context of changes to mortgage contracts.
In May, the Bank of Ireland hiked rates on tens of thousands of tracker mortgages. Four months later, the West Bromwich Building Society announced plans to increase rates on 6,700 tracker mortgages by two percentage points this December.
The Law Department principal Justin Selig, who is acting for landlords affected by the Bank of Ireland and West Brom rate rises, said the regulator had previously described the Bank of Ireland rate rise as a one-off. He said: “It obviously isn’t a one-off. Look what happened with West Brom.”
He said if the landlords take on the lenders and win, their victory could prevent further rate rises of this kind:
“One of the things we are worried about is other lenders trying to use the small print to try to get themselves out of a tricky situation. We are trying to resist that as much as we can.”
While the FCA appeared to accept the lenders’ decisions, in October FCA mortgage and consumer lending director Linda Woodall stressed they should not set a precedent for other lenders. “We recognise that there is an issue to be debated in the industry about customers’ expectations and changing of terms and conditions, even if correct,” she said.
Chris Novice Shark Bait
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Sign Up14:14 PM, 20th November 2013, About 11 years ago
Hello to all. Just wanted to leave an encouraging comment to all. I have read every word on this site. I e-mailed Mark many weeks ago but didn't post my storey here.
I sent Justin payment for 3 properties yesterday. The numbers will be growing all the time. If I have sat on my hands then I had my own personal reasons and justification. So, having got off the fence and joined this fight (we are attempting to fry other bigger fish), I feel confident that others, for their own valid reasons will come crawling out of the woodwork. Happy to help and contribute. Thanks for all the effort you have put in to get to this point. Chris.
David Lawrenson
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Sign Up14:14 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "Annette Stone" at "20/11/2013 - 12:14":
I agree.
I think it has to be a No to confidential agreements.
I'm not affected (yet) but I did pay money into the marketing fund to fight this case - and I hope that would mean, fight it all the way.
It is clear from The Times article today, and as was predicted by Mark here and by me at my own site at LettingFocus.com that there was every likelihood that other banks and B Socs are considering the same actions on their trackers.
This is now admitted to be the case.
All my own mortgages - every one is a tracker.
When I took them out I accepted paying a higher application fee and initial interest rate because I was prepared to bet that these deals would be best in the longer term.
I took the bet - and I won - and the lenders behind the tracker mortgages they advanced to me, all lost.
It is no good now them trying to wriggle out.
If you make a bet, and you lose, you have to honour it. This should apply to the lenders as much to any other member of society.
As I have advised mortgage lenders in the past I may have made myself unpopular with some of them now, as a result of my support for the campaign here.
However, I will not support unethical approaches in business and I have the view that just because some legal "get out" exists and just because the regulator is weak, that does not make it alright to do it.
D Lawrenson
http://www.LettingFocus.com
Dean
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Sign Up14:19 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "Annette Stone" at "20/11/2013 - 13:35":
It is a simplistic way , why would they try and use a complicated way ?
Yes people would disappear from the site . I was not involved with the BoI so know very little about what happened there. I am sure I read a post on here though that an Action was ongoing then it stopped. I also believe a number of affected borrowers suddenly were not affected anymore. Did anyone ever say why ? Have any of those people ever said anything? I was not posting so do not know what happened, but what if they were removed for being a pest ? Did a new Class Action start up with the rest?
Its taken nearly 2 months to get to where we are with a massive effort on a lot of peoples part. If those suddenly disappear why do you think those who have not contributed will suddenly rise up. They are not getting their hands in their pockets now with all our encouragement so what will make them do it when a group has gone ?
Who is to say the fund will still be here? It could be returned to everyone with the thanks but sorry councel can not persue .
I can confirm there are accounts with a 9 that are not affected. I am trying to get my hands on the documents, which I definately will. Mark is aware of this.
If funds are not available it will not go to Court . If the 97% don't start to contribute funds will be short and it is that 97% that could miss out.
The Article about the FCA in the Times relates to Consumers, they are suggesting we are not Consumers. Its morally wrong but that's what they are relying on.
The issue re the accounts. I assume you are an Managing Agent.
Lets say you charge 10% plus Vat to your landlords. I come along. I have 20+ properties. Do you want to manage these ? But I am only willing to pay 8% +Vat . You like the portfolio so take it.
Do you tell all the other landlords you deal with and change it to 8% for all? Will your accounts show I am only paying 8%? Or will your turnover just be 2% lighter than had you charged me the full rate?
No one outside of your organisation and me would ever know .
I am not being short sighted I am being realistic. I applaud your attitude to wanting to wrong rights. But you are preaching to the converted here. All those contributing funds and time have that attitude. You more than some as you are paying for something that in the short term wont affect you. But how long can 3% fight for 97% ? When do we say , if you cant be bothered yourself , you know what Im alright you look after your self. We all know people who just cant be bothered . You cant help some folk!
There are organisations that do help. Often they are weak. But WB are trying to use that weakness to their own advantage. Probably backed by a firm of solicitors going round all the banks and BS looking to do the same for a fee. The 97+% and all those not yet affected will eventually find this out to their cost. We can but try to stop it . We have to encourage the 97% to chip in, but if they don't we can not be held responsible for looking out for ourselves.
So if you were one of the 97% what would you do now knowing there is a possibility you could be left in the cold on your own ?
Yes we are on the same side
Dean
Dean
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Sign Up14:31 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "David Lawrenson" at "20/11/2013 - 14:14":
Many of us took that bet and won. Yes its wrong what they are doing . A bookmaker can be trusted above a banker !!
But if Mr A who is affected now and has done all he can to contribute but WB are charging him £1000+ per month in additional interest, he cant feed his kids or pay his personal mortgage, he cant sell his properties as they are in negative equity and he cant persuade the 97% of Mr Bs to help out who is Mr A going to look after ?
David Lawrenson
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Sign Up14:49 PM, 20th November 2013, About 11 years ago
Story has also been picked up in The Daily Telegraph today....no doubt those of you who are signed up to the Daily Tory (lost my password) will add comments and direct readers to these pages?
http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/10462168/Regulator-warns-tracker-rate-rises-could-be-unlawful.html
Mike L
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Sign Up14:56 PM, 20th November 2013, About 11 years ago
Reply to the comment left by "David Lawrenson" at "20/11/2013 - 14:49":
We're mentioned in the article! Great news!
Addicted to fighting the WBBS
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Sign Up15:07 PM, 20th November 2013, About 11 years ago
FAO Mr Lee Carroll, Customer Relations Manager at WBBS.
Hi Lee and all 118 Forum Members.
Following our conversation on the phone just now, as you will no doubt be reading this message this afternoon, as you confirmed you and other WBBS staff are actively reading this forum on a daily basis and you even knew I was personally posting messages, this is an open invitation for both yourself and Mr Westhoff to share your views about his contingent resignation on the success/failure of the imminent legal proceedings. Please also feel free to share any other views you may have on any of the points you will note on this forum.
As I confirmed to you, please do not hide behind your Complaints procedures and bundle me off to The FSO, but please can we have the personal confirmation from Mr Westhoff about his resignation if your planned rate hike to pay for your new head office fails and Mr Westhoff has brought the WBBS and the industry in to disrepute.
If I deposited some money into an WBBS account, I guess that would make me a member and you would have to get a written response from your CEO, Mr Westhoff ?
KR, Stuart