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Terms and Conditions

Effective Date: October 9, 2026
Last Updated: October 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomessantaanacalifornia.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Santa Ana 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 currently presents our business principally as a direct purchaser of fire-damaged homes in Santa Ana, 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 acquire property for our own account:

4. No Obligation to Sell

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

A Website submission is an inquiry and 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 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 other owner.

7. Property Research

We may research:

8. Property Assessments

An acquisition evaluation may include:

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

9. Preliminary Offers

Any preliminary:

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

An offer may change following due diligence.

10. Offer Methodology

Potential offers may consider:

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

11. “Fair Market Value” and Competitive-Offer Statements

The Website states that offers may reflect “fair market value” after anticipated restoration expenses.

Any such statement describes an intended valuation approach and does not mean that:

The executed purchase agreement controls the actual purchase price.

12. Binding Transactions

A binding transaction arises only when applicable parties execute legally enforceable written 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 exceptions.

A direct cash or investor sale is not automatically exempt merely because:

14. TDS Timing

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

Certain lease-option, installment-sale, ground-lease, or similar arrangements have separate statutory timing rules.

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 buyer:

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 disclosure statute applies, the required disclosure duties cannot simply be eliminated by describing a transaction as:

An investor transaction must still comply with applicable non-waivable disclosure law.

17. TDS Exemptions

California provides specific exemptions for qualifying transfers, including certain:

An exemption should be confirmed for the specific transaction.

18. Fire Damage and Material Facts

A fire may create current conditions involving:

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

19. No Universal Fire-Document Package

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

to every buyer.

A particular document may nevertheless be:

20. Fire Incident Records

California public-record law permits specified persons affected by a fire, including victims, authorized representatives, insurers, and persons suffering property damage, to obtain specified incident information from law-enforcement agencies subject to statutory limitations.

Availability of those records does not mean every investigative record automatically must be delivered to every buyer.

21. California Natural Hazard Disclosure

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

The NHD addresses whether property lies in statutorily identified areas including:

The applicable parcel should be evaluated using current official maps.

22. Actual Fire Damage and Wildfire Hazard Are Different

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

A Santa Ana property can:

Transaction documents should address the actual facts.

23. Additional Wildfire Disclosure for Certain Pre-2010 Homes

Where a property subject to California residential disclosure law 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 disclosures.

For transactions on or after July 1, 2025, the notice includes a list of specified low-cost wildfire retrofits and identifies which listed retrofits, if any, were completed during the seller’s ownership.

24. As-Is Transactions

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

“As-is” may mean that the purchaser will not require the seller to complete repairs before closing.

It does not automatically eliminate:

25. No Universal Requirement to Repair Before Sale

California does not impose one statewide rule requiring every fire-damaged home to be completely restored before transfer.

A damaged property may potentially be sold as-is.

Separate:

may nevertheless affect the property.

26. Santa Ana Building and Fire Requirements

Santa Ana requires building work to comply with applicable City building and fire requirements.

Depending on the property and scope of fire damage, repair or restoration may involve:

A purchase does not itself legalize unpermitted work.

27. Fire-Code Review

Santa Ana’s Municipal Code requires building permits for covered construction, additions, alterations, or repairs to comply with applicable fire-code requirements.

The building official and fire authorities may require plans, documentation, and fire-safety review.

28. Unsafe Buildings and Code Enforcement

A fire-damaged property may be affected by:

The sale of the property does not automatically cancel those obligations.

29. Demolition

Demolition in Santa Ana generally requires applicable City authorization.

The property may also be subject to requirements concerning:

30. Historic Property

If a fire-damaged property qualifies as a historic structure or historic resource, Santa Ana’s historic-preservation requirements may impose additional review before demolition or substantial alteration.

Unsafe structures may be treated differently in an emergency, but historic status should be checked rather than assumed away because of fire damage.

31. Contractors and Restoration

The Website says that sellers can avoid restoration and that restoration may be handled after acquisition.

Any:

must comply with applicable licensing, permitting, environmental, worker-safety, and disposal requirements.

Nothing in these Terms represents that we personally perform regulated contractor services unless lawfully licensed or exempt.

32. Active Insurance Claims

The Website states that an owner can sell before, during, or after an insurance claim.

A property may potentially be sold while a claim is pending, but a sale can affect:

Sellers should review the actual insurance policy and obtain qualified advice where appropriate.

33. “We Handle the Claim Coordination”

The Website states that it may “handle the claim coordination.”

That statement should not be interpreted to mean that we act as a licensed public insurance adjuster.

California regulates persons who, for compensation, act on behalf of an insured in negotiating or effecting settlement of property-insurance claims.

Unless separately licensed and retained to perform such services, our insurance-related role is limited to matters reasonably connected with evaluating and closing a real estate transaction, such as:

34. Insurance Proceeds Do Not Automatically Transfer

The sale of a fire-damaged home does not automatically transfer:

Those matters depend on policy language, applicable law, timing of the loss, mortgagee rights, insurer requirements, and the purchase agreement.

35. Pending Insurance Claims

If a property is sold while a claim remains open, the purchase agreement should address the parties’ respective rights concerning:

36. No Public Adjusting Unless Properly Licensed

Nothing on the Website constitutes a representation that we are licensed public insurance adjusters.

A property owner seeking someone to negotiate, adjust, advise on, or settle a property-insurance claim on the owner’s behalf should use an appropriately licensed public insurance adjuster or attorney where required.

37. Inspections and Due Diligence

The Website advertises a streamlined cash-sale process.

That does not prevent a potential purchaser from conducting due diligence permitted by the transaction agreement.

Due diligence may include:

38. 24-Hour Offer and Fast Closing Claims

The Website advertises:

These statements describe potential or intended transaction timing and are not guarantees.

Actual timing may depend on:

39. No Fees and Commissions

The Website advertises no commissions and no hidden fees.

Where a genuine direct purchase occurs without a listing broker, a traditional listing-agent commission may not apply.

However, other transaction amounts can still include:

40. Correction of “Net Amount You Get at Closing” Claim

The Website currently states that the offer is “the net amount you get at closing.”

That statement should be corrected or qualified.

The purchase price is not necessarily the seller’s final cash proceeds.

Actual net proceeds depend on matters such as:

The final settlement or escrow statement controls the actual amount disbursed to the seller.

41. California Real Estate Licensing

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

The actual conduct and relationship control.

42. Principal Purchaser Versus Broker

A genuine principal purchaser seeking to buy property for its own account is differently situated from someone acting for another for compensation.

Nothing in these Terms authorizes a person to avoid California licensing law merely by calling themselves:

The actual conduct controls.

43. California Wholesaling

As of October 9, 2026, California has not enacted the proposed wholesaler-specific licensing framework contained in Assembly Bill 1850.

AB 1850 remains pending after being held under submission in Assembly Appropriations on May 14, 2026.

Its proposed requirements are therefore not current law.

44. Existing Licensing Law Still Applies to Wholesaling

The absence of an enacted wholesaler-specific statute does not make every assignment arrangement lawful without a license.

Relevant factors can include:

45. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record title.

A contract holder should not falsely represent that:

46. Assignment Depends on the Contract

Whether a California purchase agreement may be assigned depends on:

Nothing on the Website guarantees that a purchase agreement is assignable.

47. Homes Already in Foreclosure

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

A transaction can fall within the California Home Equity Sales Contract Act.

These rules apply separately from ordinary seller-disclosure requirements.

48. Covered Residence in Foreclosure

A covered residence generally involves:

A qualifying investor acquiring the property can become an “equity purchaser.”

49. Home Equity Sales Contract Requirements

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

Among other things, the agreement generally must:

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

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

Nothing in these Terms limits that right.

51. Restrictions During the Cancellation Period

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

Transaction procedures must comply with the actual statute.

52. No Misleading Statements to Distressed Sellers

A covered equity purchaser may not make false or misleading representations concerning matters such as:

53. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

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

A principal property purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the relationship separately complies with applicable law.

54. Five-Business-Day Foreclosure-Consultant Cancellation Right

A covered foreclosure-consultant contract generally provides the homeowner a right to cancel until midnight of the fifth business day after the transaction.

The agreement must comply with California’s written-contract and cancellation-notice requirements.

55. No Advance Compensation for Covered Foreclosure Consulting

California restricts collection of compensation by covered foreclosure consultants before completion of the services required by statute.

A direct purchaser should maintain a clear separation between purchasing the property and providing compensated foreclosure-relief services.

56. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently determine all applicable deadlines.

57. No Foreclosure-Rescue Guarantees

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

58. Federal Mortgage-Assistance Rules

If a separate activity constitutes mortgage-assistance-relief services under federal law, additional requirements may apply concerning:

59. Multilingual Contracts

The Website provides multilingual functionality.

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

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

a translation of the applicable contract or agreement may be required before execution.

Automated Website translation does not replace any legally required contract translation.

60. 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 may qualify for disclosure exemptions, but exemptions are transaction-specific.

61. Tenant-Occupied Property

The sale of tenant-occupied property generally does not, by itself, terminate a lawful tenancy.

A purchaser should evaluate:

62. Santa Ana Rent Stabilization and Just Cause Eviction Ordinance

Santa Ana has its own Rent Stabilization and Just Cause Eviction Ordinance.

The current voter-approved ordinance became effective in December 2024.

Depending on the property and applicable exemptions, it regulates matters including:

An acquisition of Santa Ana rental property should include review of those requirements.

63. Santa Ana Rental Registry

Santa Ana requires owners of covered rental units to comply with the City’s Rental Registry requirements.

A purchaser of rental property should review:

64. Sale Does Not Automatically Create Vacant Possession

A purchaser should not assume that:

Any required vacancy should be handled under applicable California and Santa Ana law.

65. Fire-Damaged Rental Units

Where tenants have been displaced because a rental unit became unsafe or uninhabitable after a fire, the parties should evaluate:

The fact that a unit is physically vacant following a fire does not necessarily mean all tenant rights have ended.

66. 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.

67. Common Interest Developments

If a property is located in a condominium, planned development, stock cooperative, or another qualifying common-interest development, the seller may have separate obligations involving:

68. Recent Investor Resales

California separately imposes additional disclosure requirements in specified sales of single-family residential property where the seller acquired title within the preceding 18 months and qualifying contractor work was performed after acquisition.

Where applicable, an investor who acquires, repairs, and quickly resells a fire-damaged home should comply with those separate disclosure requirements.

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.

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

Where a confidential communication is 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 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.

72. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

73. Electronic Communications

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

This does not eliminate documents 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 and representation documentation controls.

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 Santa Ana 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

Statements describing our process as:

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

The executed transaction documents and final settlement statement control.

84. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another property owner 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 MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

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

86. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE SANTA ANA 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.

87. 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.

88. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Santa Ana 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, tenant, 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 and Santa Ana 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 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 Santa Ana California
Santa Ana, California
United States

Website: ibuyfiredamagedhomessantaanacalifornia.com