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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 ibuyfiredamagedhomesirvinecalifornia.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Irvine California (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting a cash 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 purchaser of fire-damaged real estate in Irvine, 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 a cash offer does not obligate you to sell.

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

You may reject a proposed offer unless and until you execute a legally enforceable transaction agreement, subject to any 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 Representatives

If an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, executor, administrator, or other representative submits property 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

The Website states that we assess fire damage before determining an offer.

An assessment may include:

An assessment performed for our acquisition purposes is not automatically:

10. Preliminary Offers

Any preliminary:

is non-binding unless included in a legally enforceable written transaction agreement.

An offer may change following due diligence.

11. Offer Methodology

Potential offers may consider:

No particular valuation method or purchase price is guaranteed.

12. Binding Transactions

A binding 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 property containing one to four dwelling units, subject to statutory exceptions.

The TDS addresses:

A direct cash sale is not automatically exempt merely because:

14. TDS Timing

For a conventional covered sale, the seller generally must deliver the completed TDS as soon as practicable before transfer of title.

Different timing rules apply to certain:

Applicable disclosure documents should be provided 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 prospective buyer:

to terminate the offer by written notice.

Nothing in these Terms shortens those statutory periods.

16. TDS Requirements Cannot Simply Be Waived

California’s residential disclosure statutes limit the parties’ ability to contract around legally required disclosures.

An as-is cash purchase should not be used to represent that a seller can automatically ignore a required TDS.

17. TDS Exemptions

California provides exemptions for specified transfers, including certain:

An exemption should be verified for the actual transaction.

18. Fire Damage and Seller Disclosure

Fire, smoke, and firefighting activity can create material conditions involving:

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

19. Material Facts

California’s disclosure framework preserves duties concerning facts materially affecting the value or desirability of real property.

A seller should not assume that:

20. Licensee Visual Inspection Duties

Where California law requires a participating real estate licensee to perform a reasonably competent and diligent visual inspection and disclose material facts, the licensee must comply with those duties.

A principal cash buyer’s own acquisition inspection is not automatically the same as a statutory agent inspection performed for a client.

21. No Universal Fire-Document Package

California does not impose one universal rule requiring every fire-damaged seller automatically to provide every:

to every purchaser.

A particular document may nevertheless be:

22. California Natural Hazard Disclosure Statement

California separately requires a Natural Hazard Disclosure Statement (“NHD”) in qualifying residential transactions.

The NHD addresses whether property lies within specified hazard areas, including:

The actual parcel should be evaluated using current official mapping.

23. Irvine Fire Hazard Severity Zones

The City of Irvine maintains current Fire Hazard Severity Zone mapping that includes:

as well as applicable State Responsibility Area designations.

The parcel-specific current map should be checked for each transaction.

24. 2025 Irvine Fire-Hazard Mapping

Current Irvine geographic data incorporates updated Local Responsibility Area Fire Hazard Severity Zone classifications based on the State Fire Marshal’s March 24, 2025 mapping.

The City’s current parcel system also identifies Fire Hazard Severity Zone layers implemented in 2025.

Marketing should not assume that every Irvine property:

The actual parcel controls.

25. Actual Fire Damage Versus Wildfire Hazard

A property that suffered an actual structure fire and a property located within a statutory wildfire hazard zone present separate issues.

An Irvine property can:

Applicable disclosures should address the actual facts.

26. Additional Disclosure for Certain Pre-2010 Homes

Where property subject to California’s residential disclosure law:

California Civil Code section 1102.6f imposes an additional wildfire-hardening disclosure.

27. Low-Cost Wildfire Retrofits

For covered transactions on or after July 1, 2025, the wildfire-hardening disclosure includes:

The disclosure also addresses specified building features that may make a home vulnerable to wildfire or flying embers.

28. Defensible-Space Inspection Reports

Where a covered seller has obtained a qualifying final defensible-space inspection report under applicable California law, additional requirements can require the seller to provide:

29. As-Is Transactions

The Website advertises purchase of property in its current or “as-is” condition.

“As-is” may mean the purchaser agrees that the seller does not have to perform repairs before closing.

It does not automatically eliminate:

30. No Universal Requirement to Repair Before Sale

California does not impose one statewide rule requiring every fire-damaged house to be fully restored before it can be transferred.

A fire-damaged property may potentially be sold in its current condition.

Separate:

may nevertheless affect the property.

31. Irvine Building Permits

The City of Irvine generally requires a building permit to:

a building or structure, subject to limited exceptions.

Substantial fire repair therefore can require City permits even where the property itself can be sold without first completing all repairs.

32. Permits and Compliance

Issuance of a permit does not authorize work in violation of:

Work that is exempt from a particular permit requirement still must comply with applicable legal standards.

33. Irvine Permit System

As of September 14, 2026, Irvine moved new online no-plan-check permit applications to the City’s PermitsDIRECT! system.

Existing permit and plan-check records remain available through the City’s permit systems.

A purchaser conducting due diligence may therefore research:

34. Certificate of Occupancy and Final Inspection

Where Irvine requires final approval before occupancy of a newly built or remodeled building or portion of a building, occupancy generally follows authorization by the Chief Building Official after required final inspections.

A property should not be represented as legally habitable merely because:

Applicable City approvals control.

35. Structural Engineering

Substantial fire damage can affect load-bearing or structural components.

Depending on the repair scope, Irvine may require:

A buyer’s informal acquisition estimate is not a substitute for any engineering work required by law.

36. Fireplaces and Related Work

Irvine separately requires permits for construction or installation of fireplaces and stoves.

Fire damage involving a fireplace, chimney, gas system, or related component can therefore raise additional permit requirements depending on the repair.

37. Homeowners Associations

Many Irvine properties are located within common-interest developments.

City approval does not necessarily eliminate separate requirements under:

Similarly, association approval does not substitute for legally required City permits.

38. Cleanup and Restoration

Any:

must comply with applicable:

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

39. California Contractor Licensing

California separately regulates contracting.

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

Purchasing property does not by itself authorize a buyer to perform regulated contractor work.

40. Owner-Builder Rules

California provides limited owner-builder exemptions from contractor licensing.

Those exemptions are fact-specific.

An investor acquiring property for renovation and resale should not automatically assume that an exemption designed for an owner personally improving property will apply.

41. Inspections and Due Diligence

The Website may advertise that the seller does not need to repair or clean the property.

That does not prevent the purchaser from conducting due diligence.

Due diligence may include:

42. Fast Offer Claims

The Website advertises that it may provide a cash offer within approximately 24 hours after inspection or evaluation.

That statement describes potential transaction timing and is not a guarantee.

The time required may depend on:

43. Seven-Day and 7–14-Day Closing Claims

The Website advertises closing in as little as approximately seven days, and elsewhere states approximately 7–14 days.

Those statements describe possible transaction timing and are not contractual guarantees.

Actual closing can depend on:

44. “Fair,” “Accurate,” and “Competitive” Offers

The Website describes offers as:

Those statements should not be interpreted as guarantees that:

The executed purchase agreement controls the actual price and terms.

45. Closing Costs and Fees

The Website states that it may:

Where those terms are part of an actual transaction, the purchase agreement, escrow instructions, settlement statement, and other executed transaction documents control.

Marketing language does not override signed documents.

46. Mortgage Payoffs and Liens

The Website states that it can handle mortgage payoffs and liens through the transaction process.

This should be understood to mean that qualifying obligations may be addressed through:

We do not unilaterally eliminate or forgive a seller’s mortgage, lien, judgment, tax debt, or other legal obligation.

47. California Real Estate Licensing

California generally defines a real estate broker to include a person who, for compensation or in expectation of compensation, acts for another to perform specified real estate activity.

Regulated activities can include:

48. Principal Purchaser Versus Broker

A genuine principal purchaser buying property for its own account is differently situated from a person performing brokerage services for another in exchange for compensation.

Nothing in these Terms means that:

The actual conduct controls.

49. California Wholesaling — AB 1850

California Assembly Bill 1850 proposed specific wholesaling licensing and disclosure requirements during the 2025–2026 legislative session.

As of October 8, 2026, AB 1850 has not become law.

Its latest legislative status remains held under submission in Assembly Appropriations on May 14, 2026.

These Terms therefore do not represent the proposed AB 1850 requirements as current law.

50. Existing California Licensing Law Still Applies

The failure of AB 1850 to become law does not mean every wholesale or assignment transaction is automatically lawful without a real estate license.

Relevant facts include:

51. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record legal title.

A contract holder should not falsely represent that:

52. Assignment Depends on Contract and Law

Whether a purchase agreement may be assigned depends on:

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

53. Homes Already in Foreclosure

California provides substantial protections when an investor purchases a qualifying owner-occupied residence after a notice of default has been recorded.

Such a transaction can fall under the Home Equity Sales Contract Act.

These requirements are separate from ordinary seller-disclosure rules.

54. Residence in Foreclosure

For purposes of the Home Equity Sales Contract Act, a covered residence in foreclosure generally means:

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

55. Home Equity Sales Contract Requirements

A covered Home Equity Sales Contract is subject to detailed statutory requirements.

Among other things, a qualifying agreement generally must:

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

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

Nothing in these Website Terms limits that statutory right.

57. Restrictions During the Cancellation Period

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

Actual statutory transaction documents should be used.

58. No Misleading Statements to an Equity Seller

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

59. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person may fall within that regime where, for compensation, the person represents that services will help:

60. Foreclosure Consultant Versus Property Buyer

A principal purchaser seeking to acquire a homeowner’s property for its own account should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the separate relationship fully complies with applicable law.

61. Five-Business-Day Foreclosure Consultant Cancellation Right

A homeowner entering a covered foreclosure-consultant contract generally may cancel until midnight of the fifth business day after signing.

Required statutory contract language and cancellation forms must be used where applicable.

62. No Advance Compensation for Covered Foreclosure Consulting

A covered foreclosure consultant generally may not collect compensation before completely performing everything the consultant agreed or represented that it would perform.

63. Acquisition Restrictions for Foreclosure Consultants

California places substantial restrictions on a covered foreclosure consultant acquiring interests in the residence of a homeowner with whom the consultant has contracted.

A business seeking to purchase the property should therefore maintain a clear distinction between:

64. Requesting an Offer Does Not Stop Foreclosure

Submitting a Website inquiry, receiving an offer, or negotiating a property purchase does not automatically:

A homeowner facing foreclosure should independently verify every applicable deadline.

65. No Foreclosure-Rescue Guarantees

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

66. Federal Mortgage-Assistance Rules

Where separate conduct constitutes mortgage-assistance-relief services under federal law, additional rules can govern:

67. Multilingual Transactions

California provides special protections where qualifying consumer transactions are negotiated primarily in specified languages.

Where Civil Code section 1632 applies and negotiations are conducted principally in:

the business may be required to provide a translation of the agreement before execution.

A multilingual Website interface does not eliminate those statutory requirements.

68. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

Certain fiduciary transfers can qualify for exemptions from ordinary seller disclosure requirements, but exemptions are transaction-specific.

69. 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:

70. Pending Insurance Claims

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

71. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those issues depend on:

72. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

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

73. Fire Department and Investigative Records

California law may permit an affected property owner, victim, authorized representative, insurer, or other qualifying person to obtain specified information concerning a fire incident from a public agency.

Availability of such records does not create one universal requirement that every investigative file be delivered to every real estate purchaser.

74. Recent Investor Resales — 18-Month Rule

California imposes additional disclosure obligations in certain sales of single-family residential property where the seller accepts an offer within 18 months after acquiring title.

This requirement is particularly important to investors purchasing a fire-damaged home, repairing it, and reselling it quickly.

75. Repairs and Alterations in a Recent Resale

Where the 18-month resale rule applies, the seller generally must disclose qualifying:

performed by contractors with whom the seller contracted after acquiring title.

The seller also generally must identify qualifying contractors and provide available contractor contact information where required.

76. Permit Copies in a Recent Resale

Where the recent-resale statute applies and the seller obtained permits for covered work, the seller generally must provide applicable permit copies to the buyer.

Where a contractor or third party obtained the permit and the seller does not possess it, the statute provides an alternative mechanism for identifying where permit information may be obtained.

A fire-damage investor should therefore retain organized repair and permit records for later resale.

77. Federal Lead-Based Paint Disclosure

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

Nothing on the Website replaces applicable federal requirements.

78. Condominiums and Common-Interest Developments

If property is located within an Irvine condominium, planned development, or other qualifying common-interest development, separate California requirements may apply concerning:

79. Tenant-Occupied Property

A sale generally does not, by itself, automatically terminate every lawful tenancy.

A purchaser should evaluate:

A property that appears empty following a fire should not automatically be treated as legally tenant-free.

80. 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.

81. 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.

82. Text Messages

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

Where legally required, additional consent will be obtained before regulated automated or promotional messages are sent.

Consent to marketing communications 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.

83. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

84. Electronic Communications

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

This consent does not eliminate any requirement that a document be delivered:

85. Privacy

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

86. Independent Decision-Making

Selling fire-damaged real estate can have substantial:

You may wish to consult:

87. No Professional Advice

Website content does not constitute individualized:

88. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

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

89. Acceptable Use

You may not:

90. Intellectual Property

Unless otherwise stated, the Website and its original:

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

You may not commercially reproduce protected Website content without authorization.

91. Third-Party Websites and Services

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

92. Website Availability

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

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

93. No Guarantee of Transaction

We do not guarantee:

94. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

95. Marketing Claims

Statements describing our process or offers as:

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

The executed transaction documents control.

96. 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 California law does not permit to be waived.

97. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE IRVINE 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 a separately executed:

unless that agreement expressly provides otherwise and applicable law permits it.

98. Independent Third Parties

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

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

99. Indemnification

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

100. Governing Law

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

101. 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.

102. Non-Waivable California Rights

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

103. Transaction Agreements Control

These Website Terms do not replace:

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

104. 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.

105. 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.

106. No Waiver

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

107. Assignment

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

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

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

Assignment of a purchase agreement is governed by:

108. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

109. Contact Us

Questions concerning these Terms may be directed to:

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

Website: ibuyfiredamagedhomesirvinecalifornia.com