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Terms and Conditions

Effective Date: October 8, 2026
Last Updated: October 8, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesmodestocalifornia.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Modesto California (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting an offer, or otherwise interacting with our services, you agree to these Terms and acknowledge our Privacy Policy.

1. Purpose of the Website

The Website allows property owners and authorized representatives to submit information concerning real estate they may wish to sell, including:

Depending on the property and transaction, we may:

Nothing displayed on the Website constitutes a binding offer to purchase real estate.

2. Our Role

The Website presently markets our business principally as a direct cash purchaser of fire-damaged property in Modesto, California.

Depending on the transaction, we may act as:

Our actual role depends on the transaction documents and conduct.

Unless separately and lawfully established, we do not act as your:

3. Direct Purchase Model

Where we seek to purchase property for our own account:

4. No Obligation to Sell

Submitting information or requesting an offer does not obligate you to sell.

A Website submission is an inquiry and is not a purchase agreement.

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to applicable statutory cancellation or termination rights.

5. No Obligation to Purchase

Submitting property information does not require us to:

6. Eligibility and Authority

By using the Website or submitting property information, you represent that:

Submission by one co-owner does not necessarily authorize that person to bind every owner.

7. Agents, Wholesalers, and Other Representatives

If an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative submits information, that person is responsible for having lawful authority to do so.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

Although the Website states that sellers do not need to obtain or pay for inspections, we may conduct our own acquisition-related due diligence.

An assessment may include:

An evaluation conducted for our acquisition purposes is not automatically an inspection or professional report performed for the seller’s benefit and is not a warranty concerning property condition.

10. Preliminary Offers

Any preliminary:

is non-binding unless incorporated into a legally enforceable written transaction agreement.

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may take into account:

No particular valuation method, purchase price, or financial result is guaranteed.

12. Binding Transactions

A binding real estate transaction arises only when applicable parties execute legally enforceable transaction documents.

Closing may depend on:

13. California Transfer Disclosure Statement

California generally requires a Real Estate Transfer Disclosure Statement (“TDS”) in many transfers of residential real property containing one to four dwelling units, subject to statutory exemptions.

The TDS addresses physical property condition, systems, defects, improvements, and other information specified by California law.

A direct cash sale is not automatically exempt merely because:

14. TDS Timing

For a conventional covered sale, the applicable TDS generally must be delivered as soon as practicable before transfer of title.

Certain installment-sale, lease-option, ground-lease, and other transaction structures have different timing requirements.

Applicable disclosures should be delivered as early as practicable.

15. Late TDS and Buyer Termination Rights

If a required TDS or material amendment is delivered after execution of the buyer’s offer, California law generally gives the purchaser:

to terminate the offer by written notice.

Nothing in these Terms shortens an applicable statutory termination period.

16. TDS Requirements Cannot Simply Be Waived

Where California’s TDS statute applies, its requirements cannot simply be avoided by labeling a transaction:

Nothing in these Terms authorizes a waiver that California law makes void against public policy.

17. TDS Exemptions

California provides transaction-specific exemptions for certain transfers, including qualifying:

An exemption should be confirmed for the particular transaction rather than assumed.

18. Fire Damage and California Disclosure Duties

A prior fire may create current property conditions involving:

Known material fire-related conditions should not be concealed or misrepresented.

19. Material Facts

California real estate law preserves duties concerning facts materially affecting the value or desirability of real property.

Fire-related conditions can be material depending on:

20. No Universal Fire-Document Package

California does not impose one universal rule requiring every seller automatically to deliver every:

to every buyer.

A particular document may nevertheless be:

21. Fire Reports

The City of Modesto Fire Department maintains a process for requesting fire reports.

California law also provides qualifying victims, property owners or representatives, insurers, and persons suffering qualifying property damage access to specified incident information, subject to applicable investigation and safety limitations.

The availability of a fire report does not mean every seller must automatically provide every fire investigative record to every purchaser.

22. California Natural Hazard Disclosure Statement

California separately requires a Natural Hazard Disclosure Statement (“NHD”) in qualifying real estate transfers.

Depending on the parcel, the NHD can address whether property is within specified:

The applicable parcel should be evaluated using current official information.

23. Modesto and Fire Hazard Severity Zones

Older official City of Modesto planning materials stated that the City did not fall within a mapped Fire Hazard Severity Zone.

California, however, completed a major Local Responsibility Area fire-hazard remapping process in 2025.

Accordingly:

24. Actual Structure Fire Versus Wildfire Hazard

Actual fire damage and statutory wildfire-hazard classification are different issues.

A property may:

Property disclosures should address the actual facts.

25. Additional Wildfire Disclosure for Certain Pre-2010 Homes

Where a covered California residential property is located in a High or Very High Fire Hazard Severity Zone and the home was constructed before January 1, 2010, Civil Code section 1102.6f imposes additional wildfire-hardening disclosure requirements.

The disclosure addresses specified vulnerable building features.

For transactions on or after July 1, 2025, the notice also identifies which listed low-cost wildfire retrofits, if any, were completed while the seller owned the property.

26. As-Is Transactions

The Website advertises purchase of properties in their present or “as-is” condition.

“As-is” may mean the purchaser does not require the seller to make repairs before closing.

It does not automatically eliminate:

27. No Universal Requirement to Repair Before Sale

California does not impose one statewide rule requiring every fire-damaged residence to be fully repaired before transfer.

A damaged property may potentially be sold in its existing condition.

Separate:

may nevertheless affect the property.

28. Modesto Building Permits

The City of Modesto requires building permits so that construction work can be reviewed for compliance with applicable life-safety requirements and building codes.

Fire-damage repair may require plans, permits, and inspections depending on:

29. Modesto Plan Review and Inspection

For most projects requiring permits, City Building Safety may require plans before permit issuance.

Permitted work is subject to City inspection, and work generally should not be covered before applicable inspections are completed.

The exact procedure depends on the project.

30. Modesto Fire Prevention Plans and Permits

The Modesto Fire Prevention Division separately reviews specified fire-related plans and permits.

Depending on the property and reconstruction scope, the project may involve review concerning:

A building permit does not automatically replace any separately required Fire Prevention approval.

31. Code Enforcement and Fire-Damaged Structures

A severely fire-damaged property can be subject to:

A sale does not automatically cancel those requirements.

The purchase agreement should address known governmental orders where appropriate.

32. Cleanup and Restoration

Any:

must comply with applicable contractor, environmental, worker-safety, disposal, permit, and other legal requirements.

Nothing in these Terms represents that we personally perform regulated contractor services unless lawfully authorized.

33. California Contractor Licensing

California separately regulates contractors.

Where repair, demolition, reconstruction, restoration, or remediation requires a licensed contractor, the work must be performed through an appropriately licensed person or entity unless a lawful exemption applies.

Purchasing property does not itself create authority to perform regulated contracting work.

34. Owner-Builder Exemptions Should Not Be Assumed

California provides limited owner-builder exemptions, but those exemptions contain important restrictions.

An investor acquiring property to renovate and resell should not assume that a homeowner or owner-occupant exemption automatically applies.

Whether a contractor license or licensed contractor is required depends on:

35. Inspections and Due Diligence

The Website states that sellers do not need to obtain inspections before selling.

That does not mean the purchaser waives its own right to perform transaction due diligence.

Due diligence may include:

36. 24-Hour Offer Claims

The Website states that a no-obligation cash offer may often be prepared within approximately 24 hours.

That description concerns possible service timing and is not a guarantee.

Offer timing may depend on:

37. Seven-Day Closing Claims

The Website advertises potential closing in as little as approximately seven days.

That is not a guarantee.

Actual closing timing may depend on:

38. Closing Costs, Fees, and Commissions

The Website states that:

Any such arrangement should be stated in the executed purchase agreement and reflected accurately in escrow and settlement documents.

The Website’s marketing language does not override signed transaction documents.

39. “The Offer Is What You Receive” Claim

The Website states that the cash offer is the amount the seller will receive at closing.

That statement should be qualified.

A seller’s actual net proceeds can be affected by matters including:

The purchase price and the seller’s net proceeds are not necessarily the same number.

40. California Real Estate Licensing

California generally requires a real estate broker license where a person, for compensation or expected compensation, acts for another to perform regulated services including:

The actual conduct and relationship control.

41. Principal Purchaser Versus Broker

A genuine principal purchaser seeking to acquire property for its own account is differently situated from a person performing brokerage activity for another for compensation.

Nothing in these Terms authorizes a person to evade California licensing requirements merely by calling themselves:

The actual facts control.

42. California Wholesaling — AB 1850 Is Not Current Law

California Assembly Bill 1850 was introduced in 2026 to impose explicit licensing and disclosure rules on real estate wholesaling.

As of October 8, 2026, that bill has not become law.

Its last legislative action was that it was held under submission in Assembly Appropriations on May 14, 2026.

These Terms therefore do not represent AB 1850’s proposed requirements as current California law.

43. Existing Licensing Law Still Applies

The absence of an enacted wholesaler-specific statute does not mean every wholesale or assignment transaction is lawful without a real estate license.

Relevant factors may include:

44. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record legal title.

A contract holder should not falsely state that:

45. Assignment Depends on the Contract

Whether a California purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a particular agreement can be assigned.

46. Homes Already in Foreclosure

California imposes particularly strong protections where an investor purchases a qualifying owner-occupied residence after a notice of default has been recorded.

Such transactions can fall under California’s Home Equity Sales Contract Act.

These protections are separate from ordinary seller-disclosure rules.

47. Residence in Foreclosure

A covered residence in foreclosure generally involves:

A covered investor purchaser can become an “equity purchaser.”

48. Home Equity Sales Contract Requirements

A covered agreement generally must satisfy detailed statutory requirements concerning:

These Website Terms do not replace those documents.

49. Five-Business-Day Equity-Seller Cancellation Right

A covered California equity seller generally may cancel until the earlier of:

Nothing in these Terms limits that statutory right.

50. Restrictions During the Cancellation Period

During the applicable cancellation period, a covered equity purchaser generally may not take actions prohibited by California law, including specified premature:

51. No Misleading Statements to an Equity Seller

A covered equity purchaser may not make false or misleading statements concerning matters including:

52. Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person may become a covered foreclosure consultant where, for compensation, the person represents that services will:

A direct purchaser should not simultaneously portray itself as the seller’s paid foreclosure consultant unless separately structured in full compliance with applicable law.

53. Foreclosure-Consultant Cancellation Right

A covered foreclosure-consultant agreement generally must disclose that the homeowner may cancel until midnight of the fifth business day after the transaction.

The statute requires detailed contract language and cancellation forms.

54. No Advance Compensation for Covered Foreclosure Consulting

A covered foreclosure consultant generally may not collect compensation until the consultant has fully performed the promised services as required by California law.

55. Foreclosure Consultant Acquisition Restrictions

A covered foreclosure consultant generally may not use the consulting relationship to acquire an interest in the client’s residence in violation of California law.

A principal buyer should keep its acquisition role operationally separate from paid foreclosure-relief consulting.

56. Requesting an Offer Does Not Stop Foreclosure

Submitting information to the Website, receiving a possible offer, or negotiating a transaction does not automatically:

Homeowners facing foreclosure should independently determine all relevant deadlines.

57. No Foreclosure-Rescue Guarantees

Unless separately authorized and legally qualified, we do not represent that:

58. Federal Mortgage-Assistance Rules

Where a separate service constitutes mortgage-assistance-relief services under federal law, additional federal requirements may regulate:

59. Multilingual Contract Requirements

California provides special protections where certain transactions are negotiated principally in particular languages.

Where Civil Code section 1632 applies and negotiations occur principally in:

a translation of the agreement may be required before execution.

Website translation features do not eliminate transaction-level translation duties.

60. Probate, Estate, Trust, and Inherited Property

Submitting inherited, probate, estate, or trust property does not establish authority to sell.

A transaction may require:

Certain fiduciary transfers may qualify for disclosure exemptions, but those exemptions are transaction-specific.

61. Insurance Claims and Fire-Damage Proceeds

A fire-damaged property may involve an open or completed insurance claim.

We do not act as your:

unless a separate legally compliant relationship expressly establishes otherwise.

Property owners are responsible for understanding:

62. Pending Insurance Claims

If property is sold while an insurance claim remains pending, transaction documents should address the parties’ rights concerning:

63. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those matters depend on:

64. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

A property owner seeking assistance negotiating an insurance claim should work with an appropriately licensed professional or attorney where required.

65. Recently Renovated Resale — 18-Month Rule

California imposes an additional disclosure requirement when a seller of a single-family residential property accepts an offer within 18 months after acquiring title.

Where applicable, the seller must disclose qualifying:

This requirement can be particularly important where an investor acquires a fire-damaged home, repairs it, and quickly resells it.

66. Permits for Recent Resale Repairs

Where the 18-month resale disclosure statute applies and the seller obtained permits for covered work, copies generally must be supplied as required by law.

If a third-party contractor obtained a permit and the seller does not possess it, the statute provides a process for identifying where the buyer may obtain the relevant information.

67. Federal Lead-Based Paint Disclosure

Federal lead-based-paint disclosure requirements may apply to qualifying residential property constructed before 1978.

Nothing on the Website replaces applicable federal obligations.

68. Common Interest Developments

If a property is located in a condominium, planned development, stock cooperative, or another qualifying common-interest development, separate California disclosure requirements can apply concerning:

69. Telephone Communications

By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:

Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

70. California Recording Law

California generally prohibits intentionally recording a confidential communication without the consent of all parties, subject to statutory exceptions.

Confidential acquisition calls should therefore not be silently recorded merely because one participant consents.

Where calls are recorded, appropriate notice and legally sufficient consent should be obtained from all participants.

71. Text Messages

If you provide a mobile telephone number and applicable consent, we may communicate by text concerning:

Where required, additional consent will be obtained before regulated automated or marketing texts are sent.

Consent to marketing is not a condition of receiving an offer or selling property where prohibited.

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

72. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will include an unsubscribe mechanism.

73. Electronic Communications

Where permitted by law, you consent to receiving Website and transaction communications electronically.

This consent does not eliminate any document that applicable law requires to be provided in another form, language, or manner.

74. Privacy

Our handling of personal information is described in our Privacy Policy.

75. Independent Decision-Making

Selling fire-damaged property can have substantial:

You may wish to consult:

76. No Professional Advice

Website content does not constitute individualized:

77. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a California licensed real estate professional participates, applicable agency, brokerage, and representation documents control.

78. Acceptable Use

You may not:

79. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Modesto California.

You may not commercially reproduce protected Website content without authorization.

80. Third-Party Websites and Services

We do not control or accept responsibility for independent third-party:

81. Website Availability

We may modify, restrict, suspend, or discontinue Website features.

Continuous, uninterrupted, secure, or error-free availability is not guaranteed.

82. No Guarantee of Transaction

We do not guarantee:

83. Marketing Claims

Website statements describing offers or the process as:

describe intended or possible service characteristics and do not guarantee a particular financial result.

The executed transaction documents control.

84. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

85. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF:

Nothing in these Terms eliminates rights that applicable law does not permit to be waived.

86. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE MODESTO CALIFORNIA AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.

OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

This Website-only limitation does not govern rights or liabilities under separately executed:

unless those documents expressly provide otherwise and applicable law permits it.

87. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for independent third-party:

Nothing in this section eliminates liability that applicable law does not permit to be excluded.

88. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Modesto California from claims arising from your:

89. Governing Law

These Terms are governed by the laws of the State of California, except where another law must apply.

90. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in California.

These Website Terms do not impose mandatory arbitration.

A separately executed transaction agreement may contain different enforceable dispute provisions.

91. Non-Waivable California Rights

Nothing in these Terms waives rights that cannot legally be waived under applicable:

92. Transaction Agreements Control

These Website Terms do not replace:

A separately executed transaction agreement governs that transaction to the extent enforceable.

93. Changes to These Terms

We may update these Terms periodically.

Updated Terms become effective when posted or on another identified effective date, subject to applicable law.

94. Severability

If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will remain effective.

95. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

96. Assignment

You may not assign these Website Terms without our written consent.

We may assign these Website Terms in connection with a merger, acquisition, financing, restructuring, affiliate reorganization, or sale of assets, subject to applicable law.

This provision does not determine whether a real estate purchase agreement may be assigned.

Assignment of a purchase agreement is governed by:

97. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

98. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Modesto California
Modesto, California
United States

Website: ibuyfiredamagedhomesmodestocalifornia.com