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.
Paul Eastabrook
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Sign Up14:50 PM, 31st December 2013, About 11 years ago
Reply to the comment left by "ROSEMARY BOSWORTH" at "31/12/2013 - 14:40":
It was Experian who admitted to me that WB may have carried out recent searches on us. There was also a visible footprint showing a search from WB on 3 November 2013 when I ran checks on us both using Experian's service myself.
Auntie P .
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Sign Up16:05 PM, 31st December 2013, About 11 years ago
I have it in writing from Experian that they are 'unable to see any searches conducted through Experian by West Bromwich Building Society'. They have suggested Equifax and Callcredit. Equifax have verbally confirmed that WB has not accessed my information but I haven't yet checked with Callcredit.
I totally agree with Nicola that it is unethical for WB to search our personal information for their own selfish 'discriminatory' means. The FAQs on Experian website states that 'they can only look at your credit information if you have given them permission... Lenders can see only information similar to that which they give us and they must follow strict rules that clearly list what they can use the information for '
Anyone know what these 'strict rules' might be...?
Paul Eastabrook
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Sign Up17:16 PM, 31st December 2013, About 11 years ago
Reply to the comment left by "Auntie P ." at "31/12/2013 - 16:05":
I suspect that the stated rules relates (in Experian's case at least) to providing data only in accordance with those permitted under its four global business lines of:
1. Credit services (help manage the risks associated with extending credit and preventing fraud.);
2. Decision Analytics (help clients solve complex problems and make valuable business decisions);
3. Marketing Services (help clients better interact with their customers, and increase customer revenue and loyalty); and
4. Consumer Services (provide credit monitoring, fraud protection and identity management services).
When I asked Experian to justify providing WB with information in the light of the above, it stated that "... as you believe it does not fall into any of our four global business lines. I would advise that the data we have provided to WBBS will be in line with their business requirements and as such will, IN ALL LIKELIHOOD, be covered by the ts & cs of your mortgage agreement with them." The capitals are mine, rather than Experian's, but suggest that Experian will provide the data if asked to do so by a trusted financial institution, irrespective of what the latter may actually want it for.
ROSEMARY BOSWORTH
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Sign Up10:03 AM, 2nd January 2014, About 11 years ago
Reply to the comment left by "Ed Atkinson" at "31/12/2013 - 12:26":
At the time we took the mortgage no credit reference information was sort, they used a credit scoring system which provided a pass/fail result. I now have a copy of that report that states the following.
1. a satisfactory completed online application form
2. satisfactory assessment of valuation
3. satisfactory confirmation of status (i.e. Income)
4 satisfactory ID being provided
Provided by Connells Leighton Buzzard.
Lee Carroll from West Brom, states "In the light of this we are unable to provide you with any information regarding your credit reference records at the time of the apllication."
Mark Alexander - Founder of Property118
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Sign Up11:19 AM, 2nd January 2014, About 11 years ago
HAPPY NEW YEAR
I'm back at my desk in sunny Norfolk and delighted to see that most of you have taken a break over the festive period. I hope you all had as good a time as I did 🙂
I have the first draft of the QC's opinion and have skim read all 73 pages. Clearly it is an unfinished piece of work as it doesn't have a summary of conclusions and recommendations but it is certainly very comprehensive.
The QC has broken down pretty much every argument we have raised on this forum and a few more besides. He has then followed each of these up with the legal basis of our arguments, the counter arguments which West Brom are likely to use and his opinion on why he thinks we are likely to win or lose each particular case. It is very interesting but it's a lot of information to take in at the first read. I will be reading it a few more times before I meet with Justin on Tuesday 7th January. I am hoping the final version will also have a costs proposal and a section on legal fees protection.
The meeting I have with Justin will be to establish which of the legal arguments we use and how best to apply the funds raised. We have a variety of options in terms of how to pursue this now and whilst it would be great to employ the QC to fight the case for us in Court, due to his fantastic track record in banking law cases, I doubt we will have the funds to do that. However, as Mark Smith (Barrister-At-Law) has also been very helpful on this forum I will also be asking Justin to take his views into consideration as to the best ways to litigate this case.
Mark Smith gave me his opinion that we have a 70% chance of a win and that he expected the first issue of the Court Action to be to apply for a costs protection order. Mark estimated the other sides costs are likely to be protected by such at order at circa £40,000 to £60,000. Therefore, based on ATE insurance being accepted on the basis of his 70% win rating our likely premium for the ATE insurance would be in the region of £12,000 to £18,000. Mark smith also quoted a fixed fee to litigate this case of £30,000, hence total costs exposure of £48,000 plus fees paid to Justin and his recommended barrister and QC to date which were capped at £15,000 and may even be less that was quoted. Note that Mark Smith's proposal also included an offer to claim against solicitors for negligence on a no win no fee basis in the event of us losing a case against West Brom.
The above is part of the information I was withholding and was also my reasoning for being sufficiently confident to announce early in December that that we had already raised enough money to commence litigation.
I have made no promises to Mark Smith that we will use him to fight the case for us, however, I have given him my assurance that I will make sure that he is considered. Other options are for Justin or one of his team to litigate the case for us or for an alternative barrister to be appointed with the benefit of the QC's opinion. No doubt Justin will also have recommendations in this regard. My own view is that we should have the best legal representation we can afford, based on both experience in similar cases and also personal interest in this particular case. Given the importance of this case it may well be a small team of legal representatives as opposed to just one person is appointed to represent us.
That's about as much as I can share with you at this stage until I meet with Justin next week but I hope you agree it's some very good news to begin the New Year with.
Wishing you all health, wealth, happiness and wisdom for the coming year and of course a win for this case. Let's hope we have some funds left over to fund a celebration event.
Finally, thank you for all the work Richard Adams has been doing in my absence with regards to my ebook and thank you to all of the people who have agreed to download it and give it a five star rating. As I have always said, this forum would be a very lonely place without all of you supporting it. I hope you will all continue to do so well after the outcome of the case against West Brom.
.
All BankersAreBarstewards Smith
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Sign Up11:23 AM, 2nd January 2014, About 11 years ago
Thats great news Mark - thanks for updating the thread for us, and i am so glad you had a good break..
Les
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Sign Up11:33 AM, 2nd January 2014, About 11 years ago
All seems extremely positive and at only £240 per mortgage quite a bargain. But, there is always a but!!!
I'm sure this question has been asked and answered but at the risk of repeating it, what is the best guess / chance of WB calling in the loans. I ask this as I have 2 mortgages with them which are highly geared and represent 25% of my portfolio.
I'd also like to wish this group well for the year ahead.
Charles Pilton
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Sign Up11:39 AM, 2nd January 2014, About 11 years ago
Reply to the comment left by "Mark Alexander" at "02/01/2014 - 11:19":
Hi Mark,
This all sounds very good indeed.
Personally, if you feel the QC is particularly good, I would be open to paying further money to secure his services, within reason.
I would very strongly suggest to all participants in this action that having got this far, we should not take any unnecessary risks of losing. If paying another £200-£300 could increase the chances of victory we should do it. Given the potential costs if we lose, you will kick yourselves if you don't pay and you end up losing.
Mark Alexander - Founder of Property118
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Sign Up11:48 AM, 2nd January 2014, About 11 years ago
Reply to the comment left by "Les Leadbitter" at "02/01/2014 - 11:33":
Hi Les
The QC's opinion looks at both the rate hike and the West Brom's ability to call in the loans. There are several legal arguments for each. My first reading of the QC's report is that there are very good arguments to suggest that West Brom can do neither of these things.
.
Mark Alexander - Founder of Property118
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Sign Up11:55 AM, 2nd January 2014, About 11 years ago
Reply to the comment left by "Charles Pilton" at "02/01/2014 - 11:39":
The QC we used is one of, if not THE leading QC in this sector and prices his time accordingly. Personally I think it is unrealistic for us to consider raising enough money to appoint him to fight the entire case and would probably add another zero or more to the costs. Given that we appear to have such a strong case it would probably be overkill anyway. I do appreciate what you are saying though.
.