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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 ibuyhouseswithfiredamagesanfrancisco.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage San Francisco (“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 cash purchaser of fire-damaged property in San Francisco.

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 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 termination or cancellation 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

A person submitting property information as an agent, wholesaler, contract holder, attorney-in-fact, trustee, personal representative, or other representative 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 offers are based on property condition and other acquisition factors.

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 does not constitute a warranty concerning property condition.

10. Preliminary Offers

Any preliminary:

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

An offer may change following due diligence.

11. Offer Methodology

Potential offers may consider:

No particular valuation method, purchase price, or investment 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 Residential Transfer Disclosure Requirements

California generally imposes statutory disclosure requirements on covered transfers of residential real property.

A direct cash sale does not automatically eliminate those requirements merely because:

Applicable statutory exemptions should be determined from the actual transaction.

14. Transfer Disclosure Statement

California requires a Real Estate Transfer Disclosure Statement (“TDS”) in covered residential transfers.

The TDS addresses the physical condition of the property, systems, features, defects, alterations, environmental matters, and other information specified by California law.

15. TDS Timing

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

Certain installment-sale, lease-option, ground-lease, and similar arrangements have different timing rules.

Applicable disclosures should be delivered as early as practicable.

16. Late TDS and Buyer Termination Rights

If a required disclosure 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.

17. TDS Requirements Cannot Simply Be Waived

Where California’s residential transfer-disclosure statute applies, a contractual waiver of its requirements is generally void as against public policy.

Accordingly, a transaction should not represent that disclosure obligations automatically disappear merely because the property is sold:

18. TDS Exemptions

California provides specified statutory exemptions for certain transfers, including qualifying:

An exemption should be verified for the particular transaction.

19. Fire Damage and Material Facts

A structure fire may create material conditions affecting:

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

20. No Universal Fire-Document Package

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

to every purchaser.

A particular record may nevertheless be:

21. California’s 2026 Electrical-System Disclosure

For qualifying property transfers occurring on or after January 1, 2026, California requires an additional written disclosure advising prospective buyers that inspection by a qualified professional of building electrical systems may be advisable.

The notice specifically warns that:

This disclosure is especially relevant when a structure fire involved electrical systems or when electrical components were damaged or replaced.

22. 2026 Gas-Appliance Disclosure

For qualifying single-family residential transfers on or after January 1, 2026, California also requires the seller to disclose in writing any known state or local requirements or restrictions relating to future replacement of existing gas-powered appliances transferred with the property.

This requirement is separate from ordinary fire-damage disclosure.

23. California Natural Hazard Disclosure Statement

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

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

The specific parcel should be evaluated using current official hazard information.

24. Fire Damage and Wildfire Hazard Are Different

A house that actually suffered a structure fire and a house located within a statutory wildfire-hazard zone present different legal questions.

A San Francisco property may:

These issues should not be treated as interchangeable.

25. Additional Wildfire Disclosure

Where property subject to California’s 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 can impose additional wildfire-hardening disclosure requirements.

For transactions on or after July 1, 2025, the disclosure also addresses specified low-cost wildfire retrofit measures completed during the seller’s ownership.

26. San Francisco Report of Residential Building Record — 3R

San Francisco imposes an important additional local requirement.

Before the sale or exchange of most San Francisco residential buildings, other than the specified first-sale exception for qualifying newly completed construction, the owner or authorized agent generally must obtain a Report of Residential Building Record, commonly known as a 3R Report.

The report must generally be delivered to the buyer before consummation of the sale or exchange.

27. Residential Building Definition for 3R Purposes

For purposes of the San Francisco 3R requirement, a residential building generally includes a building or portion of a building containing one or more dwelling units, subject to identified exclusions.

The actual building and transaction should be checked for applicability.

28. 3R Report Contents

A 3R Report can contain City-record information concerning matters such as:

For a fire-damaged property, this information can materially affect acquisition and repair planning.

29. 3R Report Is Not an Inspection

A 3R Report is primarily based on City records.

It should not be represented as:

30. Condominiums and Cooperatives

San Francisco’s 3R process can require separate reports for residential condominium or cooperative units.

The appropriate report should be obtained for the actual property being transferred.

31. As-Is Transactions

The Website advertises purchase in the property’s present or “as-is” condition.

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

It does not automatically eliminate:

32. No Universal Repair Requirement Before Sale

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

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

Separate:

may nevertheless affect the property.

33. San Francisco Building Enforcement

The San Francisco Department of Building Inspection may address conditions involving:

Fire-damaged property may therefore be affected by a Notice of Violation, Emergency Order, permit requirement, inspection requirement, repair obligation, or other enforcement measure.

34. Sale Does Not Eliminate City Orders

A sale should not be represented as automatically:

Known City requirements should be addressed during due diligence and in the transaction documents.

35. Fire-Damage Repair Permits

Restoration of a fire-damaged San Francisco building may require permits and inspections involving:

The required permits depend on the actual damage and proposed scope.

36. Historic Resources

San Francisco contains many designated and potential historic resources.

Where fire-damage repair or demolition affects a qualifying historic property:

The property’s actual status should be checked.

37. Cleanup, Debris Removal, and Restoration

The Website states that cleanup or cleanout may be handled as part of the acquisition process.

Any:

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

Nothing in these Terms represents that we personally perform regulated contractor work unless legally authorized to do so.

38. California Contractor Licensing

California separately regulates contracting activity.

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

Ownership of the property does not by itself eliminate contractor-licensing requirements.

39. Tenant-Occupied Property

Sale of a San Francisco rental property generally does not, by itself, terminate a lawful tenancy.

A purchaser should evaluate:

40. Tenants Displaced by Fire

San Francisco provides important protections for qualifying tenants forced to vacate due to fire or another disaster.

Where applicable, after repairs are completed, the landlord generally must offer the same unit back to the displaced tenant under the same terms and conditions that existed before displacement.

A property should therefore not automatically be treated as permanently vacant merely because a fire forced tenants to leave.

41. Timing of Tenant Return

Under current San Francisco Rent Board rules applicable to fire or disaster displacement:

Applicable Rent Ordinance and Rent Board rules control.

42. Wrongful Refusal to Permit Return

A landlord who attempts to re-rent a repaired unit while refusing to allow a qualifying fire-displaced tenant to return may face claims under San Francisco’s Rent Ordinance.

Transaction planning should therefore account for historical tenant occupancy and displacement.

43. Temporary Displacement for Repairs

Where a landlord seeks temporary tenant displacement to perform covered repair, rehabilitation, or capital-improvement work, separate San Francisco requirements can govern:

44. Demolition and Major Renovation Protections

San Francisco expanded tenant protections concerning residential demolition and major renovation effective February 9, 2026.

Depending on the property and proposed redevelopment, those rules may involve:

A strategy involving acquisition, tenant displacement, demolition, and reconstruction should receive property-specific legal review.

45. Tenant Buyouts

San Francisco separately regulates qualifying tenant buyout negotiations and agreements.

A purchaser should not assume that:

46. Inspections and Due Diligence

The Website may advertise a streamlined cash-sale process.

That does not prevent us from conducting due diligence permitted by the purchase agreement.

Due diligence may include:

47. 24-Hour Offer and 10-Day Closing Claims

The Website advertises:

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

Actual timing may depend on:

48. Fair, Competitive, and “True Worth” Claims

The Website describes potential offers as fair or competitive and states that offers reflect property condition, market trends, and restoration costs.

Such statements should not be interpreted as guaranteeing:

The executed purchase agreement controls the actual price.

49. No Agent Fees

Where a seller completes a genuine direct sale without a listing broker, a conventional listing-agent commission may not apply.

If a California real estate licensee participates, compensation obligations will be governed by applicable:

50. California Real Estate Licensing

California generally requires a real estate broker license where a person, for compensation or in expectation of compensation, acts for another to perform activities including:

Actual conduct controls.

51. Principal Purchaser Versus Broker

A genuine principal purchaser acquiring property for its own account is situated differently from a person providing compensated brokerage services for another.

Nothing in these Terms means a person may avoid California licensing requirements merely by describing themselves as:

52. Proposed California Wholesaling Legislation

California Assembly Bill 1850 proposed a specific licensing and disclosure framework for real-estate wholesaling.

As of October 9, 2026, AB 1850 has not become law. Its latest legislative action remains that it was held under submission on May 14, 2026.

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

53. Existing Licensing Law Still Applies to Wholesaling

The absence of an enacted wholesaler-specific statute does not mean every assignment or wholesaling arrangement is automatically lawful without a license.

Relevant considerations include:

54. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely represent that the holder:

55. Assignment Depends on the Agreement and Law

Whether a California purchase agreement may be assigned depends on:

Nothing on the Website guarantees assignability.

56. Homes Already in Foreclosure

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

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

These rules are separate from ordinary seller-disclosure requirements.

57. Residence in Foreclosure

For purposes of the Home Equity Sales Contract Act, a covered residence generally involves:

A covered investor can become an “equity purchaser.”

58. Home Equity Sales Contract Requirements

A covered home-equity sales contract is subject to detailed statutory requirements concerning matters including:

Actual statutory documents should be used.

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

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

Nothing in these Terms limits that right.

60. Restrictions During the Cancellation Period

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

61. No Misleading Statements to Distressed Sellers

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

62. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person may fall within those rules where, for compensation, the person represents that services will:

A purchaser seeking to acquire property should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless separately authorized and compliant.

63. Foreclosure-Consultant Cancellation and Advance Fees

Covered foreclosure-consultant contracts are subject to detailed written-contract and cancellation requirements, including a statutory five-business-day cancellation period.

California also restricts advance compensation for covered foreclosure-consulting services.

64. Foreclosure Consultant Acquisition Restrictions

A covered foreclosure consultant generally may not acquire an interest in the residence from the homeowner with whom the consultant contracted.

A direct cash acquisition and a paid foreclosure-relief consulting relationship should therefore remain operationally distinct.

65. Requesting an Offer Does Not Stop Foreclosure

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

66. Federal Mortgage-Assistance Rules

If a separate service constitutes mortgage-assistance-relief services under federal law, federal requirements can regulate:

67. No Foreclosure-Rescue Guarantees

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

68. Multilingual Contract Requirements

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

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

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

Website translation features do not eliminate those rights.

69. 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.

70. 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:

71. Pending Insurance Claims

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

72. Insurance Rights Do Not Automatically Transfer

Sale of the real property does not automatically transfer:

Those issues depend on policy language, applicable law, timing of the loss, mortgagee rights, insurer requirements, and transaction documents.

73. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

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

74. Recent-Resale Repair Disclosures

California imposes additional disclosures in specified sales of single-family residential property where the seller acquired title within a prescribed recent period and qualifying contractor work was performed after acquisition.

This can become particularly relevant where an investor acquires a fire-damaged property, performs substantial repairs, and resells it shortly afterward.

Applicable information concerning additions, structural modifications, alterations, repairs, contractors, and permits should be supplied when required.

75. Federal Lead-Based Paint Disclosure

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

Nothing on the Website replaces those federal obligations.

76. Common Interest Developments

If the property is located in a condominium, planned development, stock cooperative, or other qualifying common-interest development, separate California disclosure obligations may apply concerning:

77. 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.

78. 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 has consented.

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

79. 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 messages are sent.

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

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

80. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will provide an unsubscribe mechanism.

81. 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 delivered in a particular form, manner, or language.

82. Privacy

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

83. Independent Decision-Making

Selling fire-damaged San Francisco real estate can have significant:

You may wish to consult:

84. No Professional Advice

Website content does not constitute individualized:

85. 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 documents control.

86. Acceptable Use

You may not:

87. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage San Francisco.

You may not commercially reproduce protected Website content without authorization.

88. Third-Party Websites and Services

We are not responsible for independent third-party:

89. Website Availability

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

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

90. No Guarantee of Transaction

We do not guarantee:

91. Marketing Claims

Website statements describing our offers or process as:

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

The executed transaction documents control.

92. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

93. 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.

94. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE SAN FRANCISCO 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.

95. 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.

96. Indemnification

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

97. Governing Law

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

98. 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.

Separately executed transaction agreements may contain different enforceable dispute provisions.

99. Non-Waivable California and San Francisco Rights

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

100. Transaction Agreements Control

These Website Terms do not replace:

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

101. 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.

102. 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.

103. No Waiver

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

104. 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:

105. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

106. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage San Francisco
San Francisco, California
United States

Website: ibuyhouseswithfiredamagesanfrancisco.com