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 Up16:29 PM, 16th October 2013, About 11 years ago
Cheers David
Ill do an email and tomorrow will include it in an email to everyone who as signed the petition on Change.org
Dean
ian
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Sign Up16:37 PM, 16th October 2013, About 11 years ago
Dean just to let you know I got your Email (change.org) many thanks
Neil Gallagher
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Sign Up16:38 PM, 16th October 2013, About 11 years ago
Absolutely fine. You have a lot on your plate and I'm sure posts like mine don't help. The link was a great update of the situation.
I'd like to raise one point now though. I have a number of properties as I have said previously and have always used the same one man band solicitor. What will the impact be on his business if I win a claim against him? Whilst I understand the point of it but I doubt any solicitor would have been able to foresee this situation or read the terms and conditions the way that the West Brom have. This course of action makes me a little uneasy to say the least!!
Thanks in advance
Neil
Dean
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Sign Up16:51 PM, 16th October 2013, About 11 years ago
Reply to the comment left by "Neil Gallagher" at "16/10/2013 - 16:38":
Thank Ian at least I know the emailing form Change.org works
Neil . Your solicitor will have Professional Indemnity Insurance . It will at worst cost him the excess and possibly a premium on his insurance policy each year. I doubt that will be an issue . i think what might happen if Insurance companies start getting sued over this the figures will be that much they might fight West Brom.
Take the next step Neil , sign up pay the fee and keep supporting the Class Action .
Fingers crossed by Friday 26th October the fund could be up to £50000
Mark Alexander - Founder of Property118
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Sign Up16:52 PM, 16th October 2013, About 11 years ago
Reply to the comment left by "Neil Gallagher" at "16/10/2013 - 16:38":
Thank you for your understanding and forbearance of my stress levels Neil.
If solicitors PI insurers end up paying out then all solicitors offering conveyancing services PI insurance premiums are likely to go up whether claims have been made against them or not on the basis of such claims will be a new level of perceived risk. Even though your solicitor is a one man band he will require PI insurance to practice, therefore, whether you end up claiming against his PI or not it is unlikely to make any difference to him. I don't believe there to be such as thing as No Claims Discounts on PI insurance policies.
The process of advising PI insurers of the risk, by solicitors putting them on notice of potential claims, will ring alarm bells. As at least one other person commented earlier into this thread, such a threat might just encourage the PI insurers to back our Class Actions against the lenders concerned as that would be far more economical for them.
.
Andy Bell
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Sign Up17:08 PM, 16th October 2013, About 11 years ago
Reply to the comment left by "Neil Gallagher" at "16/10/2013 - 15:53":
Neil, You're probably not the only one weighing up if you should commit fully to the action.
I hope we can tip you towards joining, I made the decision after talking it through with my wife. The discussion boiled down to:
I'll get nowhere fighting this on my own.
If they get away with it It'll cost me around 50K.
The £480 is equal to about 6 weeks of the extra interest.
And crucially I was so pent up and angry the £480 is a small price for my health. (I'm much calmer now I know I'm doing everything I can to fight this)
As for risk, I took a view on the risk V. benefit. The risk is limited to £480 (I would re-asses if it ever came to making additional contributions), the benefit is 50K (+ potential for damages) = 1:104.
Even if we only had a 50/50 chance of wining it would equate to wining £104+ for a £1 stake on the toss of a coin.
I did some "due diligence" checks, as I'm sure most people will have.
Then I made sure the loss of £480 is affordable from either cash flow or capital savings (I have been building reserves to cushion legitimate rate rises).
After all this the answer came a very simple YES go for it.
Your situation may be different but I hope the process I went through will help you make a decision.
Justin Selig - solicitor
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Sign Up18:16 PM, 16th October 2013, About 11 years ago
I have just sent the following letter to Andrew Tyrie MP, Chairman of the Treasury Select Committee.
Please do not use this as a template email.
Dear Mr Tyrie
I am a solicitor instructed by over 200 borrowers who have been affected by the Bank of Ireland and West Bromwich Building Society’s decisions to increase the margin they charge on their tracker mortgage.
I am aware that you know a certain amount about the Bank of Ireland issue, but you may not be aware that we presented the FCA with a very credible claim on behalf of our clients but we unfortunately received a knockback from them who have simply taken the Bank of Ireland’s response to our claim and not sought their own independent legal advice on the issues.
Since we published the FCA’s decision not to take action against the Bank of Ireland, we learned that West Bromwich Building Society have followed suit. You will be aware that the FCA made an assurance to you earlier this year that the Bank of Ireland’s case is an isolated issue and would not be repeated by other lenders. This is obviously not the case. We are worried that other lenders may also impose similar increases which would have a huge impact on people’s finances.
I understand that the FCA has today announced that it will be investigating the West Bromwich rate rise, but it would be helpful if you would urge the FCA to obtain its own legal advice on the situation and not rely on the bank’s legal advice as they did in the Bank of Ireland’s case. I do not believe that their actions in the Bank of Ireland case are the actions of an independent regulator. Indeed it would be helpful if you could ask the FCA what independent legal advice it took itself on the Bank of Ireland situation.
I am attaching a copy of a letter I have sent today to West Bromwich which highlights the issues we have with their actions.
If you think it would be useful for me to come and meet you to discuss the cases, I would be more than happy to do so.
Yours sincerely
Justin Selig
The Law Department
7A Wellington Road
London NW10 5LJ
Devon Landlords
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Sign Up18:27 PM, 16th October 2013, About 11 years ago
Just a bit concerned about the Solicitor situation which is currently being discussed. As was brought up on here about a week ago, we were one of those that used the West Bromwich's Solicitor (Homefast Property Lawyers) as they were re-mortgages.
Reading through the wording in their letter to us it states "I have been instructed by WB Mortgage Co to act on its behalf in connection with the remortgage of your property. This means that I will not be acting for you..........should you have any legal queries, you should contact your own Solicitor to obtain independent legal advice...."
But we did not ask our Solicitor for any advice as it all seemed so quick and straightforward at the time.....thoughts please - slight concern here with us....
Mark Alexander - Founder of Property118
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Sign Up18:36 PM, 16th October 2013, About 11 years ago
Reply to the comment left by "Peter Cole" at "16/10/2013 - 18:27":
Why would that concern you Peter?
If only 20% of borrowers used their own solicitor, and records received to date show a far higher percentage than that did, then that's at least another 28+ legal opinions (based on todays numbers) we will get which are bound to be supportive of our arguments when the letters to solicitors are eventually sent out. Naturally these numbers will rise, as will the concerns of their PI insurers who may well decide that adding funds to support a case against WBBS is a commercially viable option for them.
For us to resort to suing individual solicitors would, in reality, be a last ditch attempt and we would have to win one test case first. It doesn't do us any harm to rattle as many cages as possible in the meantime though does it? At the very least we will have dozens of solicitors either admitting liability or backing our case. It's a win/win for us, either in financial or PR terms, possibly both 🙂
.
Devon Landlords
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Sign Up19:00 PM, 16th October 2013, About 11 years ago
Thanks Mark, although could it be used against anyone that did not use their own Solicitor in conjunction with the West Brom's such that West Brom could argue if we had sought our own independent legal advice at that time our Solicitor would have drawn our attention to clause 5.1 in the T&C booklet?