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PropertyInvestment.co.uk - "Privacy Policy, General Terms and Conditions"

This document sets out the terms and conditions upon which PropertyInvestment.co.uk ("the Company") provides an interactive business and information service.

 

What is this Privacy Policy for?

This privacy policy is for this website http://propertyinvestment.co.uk and served by Propertyinvestment.co.uk Ltd and governs the privacy of its users who choose to use it. By using this site, you consent to the collection, use and transfer of your information under the terms of this policy.

The policy sets out the different areas where user privacy is concerned and outlines the obligations and requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.

 

The Website

This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This website complies to all UK national and European laws and requirements for user privacy.

 

Use of Cookies

This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer / device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer / device.

Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors. Please note that if you disable cookies, some services or website functionality may not be available. For further information about cookies and how to disable them please go to aboutcookies.org.

This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google’s privacy policy here for further information.

Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

By continuing to use this site, you are accepting our use of these cookies that make advertising and communications more relevant to you and your interests, and further help us to improve the site.

 

Contact & Communication

Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the European General Data protection Regulation 2018. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.

 

Email Newsletter

This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.

Subscriptions are taken in compliance with UK Spam Laws detailed in the Privacy and Electronic Communications Regulations 2003. All personal details relating to subscriptions are held securely and in accordance with the European General Data protection Regulation 2018. No personal details are passed on to third parties nor shared with companies / people outside of the company that operates this website. 

Email marketing campaigns published by this website or its owners may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include; the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates and frequency of activity.

This information is used to refine future email campaigns and supply the user with more relevant content based around their activity.
In compliance with UK Spam Laws and the Privacy and Electronic Communications Regulations 2003 subscribers are given the opportunity to un-subscribe at any time through an automated system. This process is detailed at the footer of each email campaign. If an automated un-subscription system is unavailable clear instructions on how to un-subscribe will by detailed instead.

 

Data Retention

We will not retain your information for longer than is necessary for our business purposes or for legal requirements.

If you wish to obtain a copy of the information we hold about you, please contact us at the address at the bottom of this policy. Before responding to your request we may ask you to verify your identity. With all requests we will endeavour to respond in a timely manner. 

 

External Links

Although this website only looks to include quality, safe and relevant external links, users are advised to adopt a policy of caution before clicking any external web links mentioned throughout this website (external links are clickable text / banner / image links to other websites).

The owners of this website cannot guarantee or verify the contents of any externally linked website despite their best efforts. Users should therefore note they click on external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

 

Adverts and Sponsored Links

This website may contain sponsored links and adverts. These will typically be served through our advertising partners, to whom may have detailed privacy policies relating directly to the adverts they serve.

Clicking on any such adverts will send you to the advertiser’s website through a referral program which may use cookies and will track the number of referrals sent from this website. This may include the use of cookies which may in turn be saved on your computers hard drive. Users should therefore note they click on sponsored external links at their own risk and this website and its owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

 

Social Media Platforms

Communication, engagement and actions taken through external social media platforms that this website and its owners participate on are custom to the terms and conditions as well as the privacy policies held with each social media platform respectively.

Users are advised to use social media platforms wisely and communicate / engage upon them with due care and caution in regard to their own privacy and personal details. This website nor its owners will ever ask for personal or sensitive information through social media platforms and encourage users wishing to discuss sensitive details to contact them through primary communication channels such as by telephone or email.

This website may use social sharing buttons which help share web content directly from web pages to the social media platform in question. Users are advised before using such social sharing buttons that they do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

 

Shortened Links in Social Media

This website and its owners through their social media platform accounts may share web links to relevant web pages. By default some social media platforms shorten lengthy urls [web addresses] (this is an example: http://bit.ly/1USVKOI).

Users are advised to take caution and good judgement before clicking any shortened urls published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine urls are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.

Resources & Further Information

 

Twitter Privacy Policy

Facebook Privacy Policy

Google Privacy Policy

Linkedin Privacy Policy

 

Terms & Conditions of Sale

Trading with Propertyinvestment.co.uk Limited is subject to these Terms and Conditions. References to "we", "us" and "our" are references to Propertyinvestment.co.uk Limited. The terms "you", "your" and "investor" refer to any individual, company or business (whether registered with us as an investor or not) to whom we provide our Services by any means including, but not limited to, email, telephone, face-to-face contact, postal correspondence or via our web site www.propertyinvestment.co.uk or any other propertyinvestment.co.uk sub domain or related web site operated by the group of Propertyinvestment.co.uk companies.

These Terms and Conditions (the "Terms") govern the relationship between us and you and shall prevail and have priority regardless of the existence of any printed or other conditions even if such conditions purport to take precedence. Please read these terms carefully. Your attention is in particular drawn to the clause on Liability below.

We provide advice and a sourcing service for property and property related goods and services in the UK and abroad referred to hereon as the "Service" or "Services". 

 

Your Registration With Us

The details that you provide at registration are important and must be complete and correct. You must immediately inform us of any changes to your information by sending an email to info@propertyinvestment.co.uk or telephoning us on 0845 505 1514. If you do not keep us informed of any changes, we will be unable to keep you fully informed on current and future development information. 

 

Information Provided by Us

We provide details about investment opportunities, in the form of, but not limited to market research, statistics, forecasts, reports, herein referred to as "Information". We provide Information obtained from a number of third party sources including developers, valuers, estate agents and letting agents. Whilst we endeavour to provide accurate, up-to-date and complete Information we make no warranties or representations as to the accuracy, reliability or completeness or otherwise of the Information and assume no responsibility or liability for any omissions or errors contained in the Information. 

 

Your Participation in Investment Opportunities

We will offer you opportunities for investment, by using email, our web sites, post, telephone, or other appropriate means. We will endeavour to provide you with opportunities of a sound and reliable nature. We will speculate on the level of investment required, and the potential returns. This is based on our research and analysis, which may include the advice and guidance of qualified third parties (such as a RICS registered surveyors, accountants or solicitors). Due to the speculative nature of such opportunities the information we provide should be considered our 'opinion'.

Investors are advised to carry out their own analysis and judgment of the investment being offered and to independently verify the Information and our speculative analysis through your own research. You are advised to carry out an independent legal and financial assessment of any opportunity offered to you, before making any commitment to participate. Please remember that the price and value of any investment and income can go down as well as up. If you make an investment you may get back less than the amount you originally invested. If you are in doubt about any investment decision you should seek the advice of a suitably qualified person.

Mortgage products referred to in the web site can be withdrawn by the lender for those products, or have rates or other terms changed, without notice and any reference to any products in any of our marketing collateral, whether printed, by email or verbal does not imply they are certain to be available in the future. Mortgages referred to may also have certain applicant restrictions and are for indicative purposes only although reasonable endeavours have been used to ensure that they are available at the time of publication and are applicable to a significant number of investors. Propertyinvestment.co.uk Limited is not a mortgage broker and any reference to mortgage products, terms and rates are for example purposes only and may not be construed as an offer or a fundamental component of the investment opportunity that we are offering. Please seek financial advice from a mortgage broker who can confirm the current availability of mortgage products and their terms. Any indication of a cash investment required for a property is purely an example and could vary significantly per investor or over time.

Valuation information provided by us from sources like Land Registry, Rightmove and other property price and rental data sources are provided 'as is' and for information purposes only. RICS valuations carried out by us or on our behalf or via third parties are provided to you for information purposes and valuation opinions can vary between valuers and between dates.

We cannot take responsibility for a valuer changing their opinion over time or a different valuer providing a different opinion. 

 

‘In The Know’ Membership

The ‘In The Know’ Membership fee is annual and currently £150 + VAT. Propertyinvestment.co.uk Limited may change the Membership fee at any time, but changes will apply only to new and renewal Memberships.  The ‘In The Know’ membership fee is non-refundable irrespective of whether or not a member qualifies or receives funding under the Scheme or changes are made to any associated ‘In The Know’ membership benefits.  

To qualify and participate for the ‘In The Know’ funding Scheme, members will be subject to the use of a nominated Lawyer and Mortgage Broker chosen by Propertyinvestment.co.uk Limited from their list of panel Lawyers and Mortgage Advisors. Using nominated Lawyers and Mortgage Brokers help ensure that associated documentation is carried out in an efficient manner. 

 

Term: ‘In The Know’ Membership; Billing

The initial term of an ‘In The Know’ Membership shall commence on the date it is purchased and continue until one year from the last day of the calendar month in which the Membership was purchased. 

 

Termination of ‘In The Know’ Membership

(a)   Under the Consumer Protection (Distance Selling) Regulations 2000, the service will not commence until the end of the cooling off period of seven days, during which time the consumer may cancel their subscription by informing us by sending an email to info@propertyinvestment.co.uk, in which case a full refund will be made. Please note if the consumer immediately activates the service by logging onto the website the Consumer Protection (Distance Selling Regulations) does not apply and the cooling off period will be waived.

(b)  Subscription costs may be changed by Propertyinvestment.co.uk Limited at any time. Prior to any changes in fees, all information will be published on the Propertyinvestment.co.uk website.

(c)   We may terminate your Membership, including any associated accounts, without notice, for any reason in our sole discretion, including without limitation our belief that continued use of such Membership would violate any provisions of this Agreement, applicable law, or otherwise be harmful to our interests. In the event of any such termination, you will be entitled to a pro rata refund of your Membership fee.

(d)  We may terminate any or all of the benefits available under the ‘In The Know Membership’ Scheme at any time without notice. 

 

Use of Our Services, Agents and Suppliers

"An opportunity or supplier introduced by us" means any investment opportunity which may include, but is not limited to land, property, apartments, homes, entire developments, whether constructed or not at the time of introduction, both in the UK and abroad, or supplier of the same, including but not limited to developers, estate agents, or other intermediary agents, that have been researched, negotiated or procured by us, or in the case of suppliers are persons or companies with whom we have an established relationship (contractual or otherwise), and would not otherwise have been known to you. 

 

Advisory Fees for Property

Fees for participation in investment opportunities introduced to you by us, may vary per opportunity, but will always be disclosed to you before you commit to participate in any such opportunity by way of a reservation.  All investment opportunities are available on a strictly ‘first come, first served’ basis. To reserve a property, our advisory fee, which is quoted exclusive of VAT, is payable immediately upon the day of reservation. Upon reservation the investment opportunity will be taken off the market.

Where applicable, you may be additionally required to pay a reservation fee (typically £1,000) which is passed to the vendor.  This will form part of the final contract purchase price and as such will be deducted from the deposit required at completion. If you withdrawal from a purchase after reservation for any reason other than the failure to qualify for a minimum mortgage of a 65% loan-to-value of the agreed purchase price, all fees paid will be non-refundable.

The deposit to exchange is payable to a solicitor who will hold the monies until such time as legal ownership of the property is transferred to you (usually on exchange of contracts). This system aims to protect both you, and us. We reserve the right to withdraw the opportunity to purchase a property procured by us, if you fail to pay our fees in full and at the appropriate time. 

 

Restrictions

If you, without notifying us, and within one year of the date an opportunity was originally introduced to you by us

  • engage in any capacity directly with a supplier or developer originally introduced to you by us,
  • or engage with the supplier or developer over new opportunities,
  • or if you or a member of your family or someone else known to you refers an opportunity introduced to you by us to another person, or body and that person or body engages in any capacity directly with the supplier or developer of the opportunity,

then you will be liable to pay our fee at the prevailing rate. 

 

Third Parties Recommended to You by Us

We will endeavour to recommend solicitors, mortgage brokers, furniture suppliers, and estate agents or other third parties ("Third Party" or "Third Parties") of good calibre, who offer a service or product deemed to be of good quality and reasonable cost. However, we make no warranties or representations as to the reliability of the services provided by Third Parties and assume no responsibility or liability for their actions, omissions or errors. If you make any arrangements with a Third Party found on or via our web site or recommended to you by us, it is at your sole risk and responsibility. 

 

Descriptions of Property, Homes, Buildings, Locations or Developments

Particulars, specifications, pictures and artists impressions of any property, home, building, location or development are given in good faith and believed to be correct, but they do not form part of any offer or solicitation and are intended only as a general guide. We will make reasonable endeavours to ensure that a property will be built in all material respects in accordance with plans and designs as may be revised from time to time and which are available for inspection on the site being developed or in the relevant regional office of the developer.

You acknowledge that developers reserve the right to alter plans, designs and specifications at any time without prior notice. We therefore will not be responsible for any such changes. All descriptions are intended only as a general guide and are not to be relied upon by you or other interested parties as a statement or representations of fact but you should satisfy yourself by inspection or otherwise. No warranties or representations are given that the contents of the website or information otherwise distributed will reflect the most recent plans, designs or specification. 

 

Confidentiality

Confidential Information means all information relating to current or prospective investment opportunities, our customers and prospective customers, current or projected financial or trading situations, business plans, business strategies, developments and all other information relating to our business affairs including any Information of a confidential nature imparted by us to you during the use of our Services.

You undertake to us that in consideration of us making such information available to you:

  1. all Confidential Information disclosed to you by or on behalf of us or which may at any time come into your knowledge, possession or control, shall be kept secret and confidential and shall not be used for any purpose other than that required or permitted for the use of our Services, and shall not be disclosed to any third party except insofar as this may be required for the proper use of our Services and then only under appropriate confidentiality provisions approved by us.
  2. you shall promptly notify us if any Confidential Information is required by law to be disclosed by you or any other person receiving it under or pursuant to these Terms and shall co-operate with us regarding the manner of such disclosure (but without prejudice to any obligation to comply with any legal requirement).


Intellectual Property

All design, copyright, trade marks and all other intellectual property rights in or relating to the web site or information otherwise distributed by us, shall remain our property or, where applicable, are reproduced with the permission of the rights' owner, such as content suppliers, Third Parties and/or users. On the web site you may browse the contents, use any facilities and download a single copy of any material to the extent that it is expressly made available to you, but this is solely for your own personal use and you must not remove any copyright or trade mark notices. You may not modify, reproduce, distribute, republish, display, post, transmit or sell any such material for any commercial or business purpose, without our prior permission or the permission of the rights’ owner. 

 

Liability

You agree and acknowledge that to the extent permitted by law, and in view of the numerous sources from which we obtain the Information, the impracticality of verifying the sources. We are not authorized by the Financial Services Authority to provide investment or financial advice. By signing reservation forms and/ or Finders Fee agreements you acknowledge that we have not provided you with financial advice.

We are providing Information "as is", on a "with all faults" basis and we make no representations or warranties of any kind with respect to:

  • The web site and content contained on the web site;
  • The truth, accuracy, or completeness of any Information distributed to you by us, by any means;
  • The condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the web site;

We are not responsible for your ability to use the web site or that it will be available in its current or any other format. We have no control over the Information that can be accessed through, downloaded from or uploaded to the web site. We are not responsible or liable to you for any loss of content, or material that you upload or download or transmit through the web site. We will not be responsible or liable to you or any third party for any Information, modification, suspension of or discontinuance of our Services.

It is your decision, where applicable, to use, post, submit, remove or alter information and material to us, or on, to or from the web site and we are not responsible or liable for any loss or damage incurred by you or any third party as a result of your doing or failing to do the same. We exclude all liability of any kind including invasion of privacy, defamation, or negligence.

The following provisions set out our entire financial liability (including any liability for the acts or omissions of its employees, agents and sub-contractors) to you in respect of:

  • any breach of these Terms;
  • or any representation, statement or omission, including negligence arising under or in connection with these Terms;
  • or your access to, or use of, or inability to use our Services whether via the post, telephone, the web site or otherwise;
  • or any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure or postal errors;
  • or any action or decision taken as a result of using our Services

All warranties, conditions and other terms implied by statute or common law (save for the conditions implied by section 12 of the Sale of Goods Act 1979) are, to the fullest extent permitted by law, excluded from these Terms. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence or fraudulent misrepresentation.

 

Subject to the above two paragraphs

  • our total liability in contract, (including negligence or breach of statutory duty), misrepresentation, restitution or otherwise, arising in connection with the performance or contemplated performance of the Services shall be limited to £10,000; or the Finders Fee paid by you, whichever is the greater and
  • we shall not be liable to you for any indirect or consequential loss or damage (whether for loss of profit, loss of business, depletion of goodwill or otherwise), costs, expenses or other claims for consequential compensation whatsoever (howsoever caused) which arise out of or in connection with the provision of the Services. Where you the Investor are a consumer rather than a business no provision of this Liability clause or these Terms shall affect your rights as a consumer.

 

Suspension or Cancellation of Service

We reserve the right to cancel your access to our Services any time. We may suspend, restrict, reduce or cancel your access immediately if you breach or appear likely to breach any of these terms. You may cancel your registration at any time by writing to us, or emailing us. Upon cancellation you will become liable to pay any outstanding fees, monies or costs owed to us immediately. 

 

Amendments to these Terms

We reserve the right to change these Terms at any time. We will give you 7 days notice by posting notice on the web site and sending you either postal notification or an email. If you do not want to accept any new terms you must inform us immediately of your intention by writing or emailing us, otherwise you will be deemed to have accepted such new terms. 

 

Invalidity

If any provision of these Terms is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms and the remainder of the provision in question shall not be affected. 

 

Waiver

No waiver by us of any breach of the Terms by you shall be considered as a waiver of any subsequent breach of the same or any other provision.

 

Entire Agreement

These Terms constitute the entire agreement between you and us, supersede any previous agreement or understanding and may not be varied except in writing between us. All other Terms and Conditions, expressed or implied by statute or otherwise, are excluded to the fullest extent permitted by law. 

 

Notices

Any notice to be given under these Terms by either party to the other must be given in writing, in English, and shall be deemed to be served:

  • in the case of us communicating with you, twelve hours after we send an e-mail to the e-mail address specified by you during registration on our website/s or any changed e-mail address subsequently notified to us by any means;
  • or 48 hours after posting correspondence to the address specified by you during registration or any changed address subsequently notified to us; and
  • in the case of you communicating with us, twelve hours after an email is sent to info@propertyinvestment.co.uk

or 48 hours after a Recorded Delivery Letter is sent to Propertyinvestment.co.uk Limited, C/O Tamasa Business Services Limited, Suite 117-118, 11 Burford Road, Stratford, London E15 2ST

 

Data Protection

We will respect your personal information and comply with all applicable UK Data Protection legislation and rules currently in force. We will use any information provided by you to us to constantly monitor and improve our services to you and for marketing purposes. We may also use such information to send specific correspondence which, in our opinion, may be of interest to you. 

 

Third Party Rights

A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms, but this does not affect any remedy or right of any third party, which exists or is available apart from that Act. 

 

Laws Applicable

These Terms shall be governed by and construed in accordance with the laws of England and Wales and all disputes arising in connection with them shall be submitted to the exclusive jurisdiction of the English Courts.