Privacy Policy

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

I Buy Fire Damaged Homes Stockton California (“I Buy Fire Damaged Homes Stockton California,” “we,” “us,” or “our”) respects your privacy.

This Privacy Policy explains how we collect, use, disclose, share, retain, and otherwise process personal information when you visit ibuyfiredamagedhomesstocktoncalifornia.com (the “Website”), submit property information, request a cash offer or property evaluation, communicate with us, or otherwise interact with our services.

We operate within the California real estate investment, cash-buyer, property-acquisition, marketing, and related transaction marketplace.

Depending on the property and transaction structure, we may:

• Evaluate property for possible acquisition;
• Make a potential cash offer;
• Purchase property directly;
• Work with affiliates, investment partners, or co-investors;
• Conduct or arrange inspections and due diligence;
• Coordinate property access or cleanup where agreed;
• Work with contractors, title companies, escrow providers, attorneys, engineers, inspectors, appraisers, insurers, and other transaction professionals;
• Acquire contractual or equitable rights;
• Assign contractual rights where legally and contractually permitted;
• Work with licensed California real estate professionals where legally required; or
• Determine that we will not pursue a transaction.

By using the Website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information:

• Directly from you;
• Automatically through the Website;
• From public records;
• From commercial property and real estate databases;
• From advertising and analytics providers;
• From telecommunications providers;
• From service providers;
• From transaction participants;
• From licensed real estate professionals;
• From affiliates and business partners; and
• From other lawful sources.

2. Information You Provide

When you request an evaluation or offer, submit a Website form, call us, send an email or text message, or otherwise communicate with us, we may collect information including:

• First and last name;
• Telephone number;
• Mobile telephone number;
• Email address;
• Property address;
• Mailing address;
• Ownership information;
• Whether you own or are authorized to act concerning the property;
• Property type;
• Number of bedrooms or bathrooms;
• Property condition;
• Fire damage;
• Smoke or soot damage;
• Firefighting-water damage;
• Structural damage;
• Roof or foundation damage;
• Electrical damage;
• Plumbing damage;
• Heating and cooling information;
• Occupancy information;
• Tenant information where relevant;
• Repair or restoration information;
• Asking price or pricing expectations;
• Desired sale timeline;
• Reason for considering a sale;
• Mortgage information you voluntarily provide;
• Lien and judgment information;
• Property-tax information;
• Probate or estate information;
• Foreclosure or mortgage-default information;
• Insurance information;
• Insurance-claim information;
• Insurance proceeds voluntarily disclosed;
• Photographs;
• Videos;
• Fire-department reports;
• Inspection reports;
• Engineering or structural reports;
• Environmental reports;
• Contractor information;
• Repair estimates;
• Permit information;
• Ownership or title documents;
• Preferred communication method;
• Preferred contact time; and
• Other information you voluntarily provide.

3. Property and Public-Record Information

When you submit a property, we may research it through lawful public and commercial sources.

Information may include:

• Ownership records;
• San Joaquin County assessment records;
• Property-tax records;
• Recorded deeds;
• Mortgages and deeds of trust;
• Liens;
• Judgments;
• Notices of default;
• Notices of trustee sale;
• Property characteristics;
• Property sales history;
• Estimated values;
• Comparable sales;
• Building permits;
• Fire-related permits;
• Fire-damage inspection information;
• Code-enforcement records;
• Zoning information;
• Court records where lawfully available;
• Probate information;
• Foreclosure information;
• Common-interest-development information;
• Geographic and mapping information;
• Flood information;
• Fire Hazard Severity Zone information;
• Environmental information;
• Property-condition information;
• Real estate market information; and
• Other publicly or commercially available information.

We may combine information obtained from these sources with information you provide.

4. Information Collected Automatically

When you use the Website, we and service providers acting on our behalf may automatically collect:

• Internet Protocol address;
• Browser type;
• Browser settings;
• Operating system;
• Device type;
• Device identifiers;
• Approximate location derived from IP address;
• Referring website;
• Referring advertisement;
• Landing page;
• Pages viewed;
• Links clicked;
• Date and time of Website activity;
• Session information;
• Form interactions;
• Advertising identifiers;
• Marketing-campaign information;
• Lead-source information;
• Conversion information;
• Attribution information; and
• Other technical or Website-usage information.

5. Cookies, Pixels, Analytics, and Advertising Technologies

We may use:

• Cookies;
• Tracking pixels;
• Web beacons;
• Tags;
• Scripts;
• Local storage;
• Analytics technologies;
• Advertising identifiers;
• Conversion tracking;
• Call tracking; and
• Similar technologies.

These technologies may help us:

• Operate and secure the Website;
• Prevent spam and fraud;
• Remember preferences;
• Understand Website use;
• Measure traffic;
• Attribute inquiries to marketing campaigns;
• Measure conversions;
• Evaluate advertising effectiveness;
• Create or measure advertising audiences;
• Support targeted or interest-based advertising;
• Improve the Website; and
• Improve our services.

Third-party providers may process information under their own privacy policies.

6. How We Use Personal Information

We may use personal information to:

• Respond to inquiries;
• Respond to requests for property evaluations or cash offers;
• Research submitted properties;
• Verify ownership;
• Verify authority to sell;
• Evaluate property condition;
• Evaluate fire, smoke, water, structural, electrical, or other damage;
• Evaluate property safety or access;
• Review repair or restoration information;
• Review insurance information;
• Evaluate occupancy or tenant matters;
• Estimate property value;
• Estimate repair, restoration, cleanup, holding, closing, and resale expenses;
• Determine whether we wish to acquire a property;
• Prepare or communicate potential offers;
• Contact property owners and authorized representatives;
• Schedule calls, inspections, walkthroughs, or appointments;
• Conduct due diligence;
• Facilitate potential transactions;
• Coordinate cleanup where agreed;
• Coordinate with title companies, escrow providers, attorneys, contractors, inspectors, engineers, appraisers, insurers, and other transaction participants;
• Maintain inquiry and transaction records;
• Follow up concerning submitted properties;
• Provide customer support;
• Operate and improve the Website;
• Conduct analytics;
• Measure marketing performance;
• Advertise our services;
• Prevent fraud, abuse, spam, and security incidents;
• Maintain legal, accounting, tax, and compliance records;
• Enforce agreements;
• Comply with applicable law; and
• Establish, exercise, or defend legal claims.

7. Direct Property Acquisition

The Website presently describes our business primarily as a direct cash-property-acquisition service.

Submitting information allows us to evaluate whether we may wish to purchase the property or otherwise participate in a potential transaction.

A Website submission does not itself create:

• A binding purchase offer;
• A purchase agreement;
• An agency relationship;
• A fiduciary relationship; or
• An obligation to buy or sell.

8. Property Evaluations

The Website describes property evaluations as free and without obligation.

An evaluation may involve consideration of:

• Extent of fire damage;
• Structural condition;
• Current property condition;
• Location;
• Local market conditions;
• Comparable sales;
• Repair requirements;
• Restoration costs;
• Cleanup expenses;
• Future resale potential; and
• Other investment considerations.

An evaluation performed for our acquisition purposes is not necessarily an appraisal, engineering report, contractor estimate, insurance adjustment, or inspection performed for the seller’s benefit.

9. Affiliates, Investors, and Transaction Partners

Depending on the transaction, information may be disclosed to:

• Affiliated acquisition businesses;
• Investment partners;
• Co-investors;
• Prospective assignees;
• Licensed real estate professionals;
• Title companies;
• Escrow providers;
• Attorneys;
• Inspectors;
• Contractors;
• Engineers;
• Appraisers;
• Insurance professionals; and
• Other transaction participants.

Any assignment, referral, brokerage, or other regulated real-estate activity will be handled subject to applicable California law.

10. Service Providers

We may disclose information to providers supporting:

• Website hosting;
• Website forms;
• Customer relationship management;
• Lead management;
• Telephone services;
• Call tracking;
• Call recording where lawful;
• Text messaging;
• Email delivery;
• Marketing automation;
• Advertising;
• Analytics;
• Conversion tracking;
• Property research;
• Data enrichment;
• Cloud storage;
• Cybersecurity;
• Document processing;
• Accounting;
• Legal services; and
• Transaction support.

11. Business Transactions

Information may be transferred or disclosed in connection with an actual or proposed:

• Merger;
• Acquisition;
• Financing;
• Reorganization;
• Affiliate restructuring;
• Sale of assets;
• Bankruptcy; or
• Similar business transaction.

12. Legal and Safety Disclosures

We may disclose information where reasonably necessary to:

• Comply with applicable law;
• Respond to legal process;
• Respond to lawful government requests;
• Investigate fraud or unlawful activity;
• Protect rights or property;
• Protect another person’s safety;
• Protect our systems;
• Enforce agreements; or
• Establish or defend legal rights.

13. California Online Privacy Protection Act

The California Online Privacy Protection Act (“CalOPPA”) applies to operators of commercial websites and online services that collect personally identifiable information from California consumers.

This Privacy Policy is intended to disclose:

• Categories of information collected;
• Uses of that information;
• Categories of persons receiving information;
• Available privacy-request procedures;
• Online tracking practices;
• The effective date of this Policy; and
• How material changes may be communicated.

14. California Consumer Privacy Act

California’s Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”), provides privacy rights to California residents when a business is subject to the statute.

As of October 9, 2026, the CCPA generally applies to a qualifying for-profit business doing business in California that determines the purposes and means of processing personal information and satisfies at least one statutory applicability threshold, including:

• Annual gross revenue above the applicable adjusted threshold;
• Buying, selling, or sharing personal information of at least 100,000 California consumers or households; or
• Deriving at least 50% of annual revenue from selling or sharing California consumers’ personal information.

The current adjusted annual gross-revenue threshold is $26,625,000.

The inclusion of this section does not represent that I Buy Fire Damaged Homes Stockton California necessarily meets a CCPA threshold.

Where the CCPA applies, we will comply with applicable requirements.

15. California Privacy Rights

Where the CCPA applies, qualifying California residents may have rights including:

Know and Access

Request information concerning qualifying personal information collected, used, sold, or shared.

Correct

Request correction of inaccurate qualifying personal information.

Delete

Request deletion of qualifying personal information, subject to statutory exceptions.

Opt Out of Sale or Sharing

Direct a covered business not to sell or share qualifying personal information.

Limit Sensitive Personal Information

Limit specified uses or disclosures of sensitive personal information where that statutory right applies.

Non-Discrimination

Receive no unlawful discriminatory treatment for exercising applicable privacy rights.

16. Sale and Sharing of Personal Information

Under California law, “sale” and “sharing” have specialized meanings.

Depending on the circumstances:

• Providing personal information to an independent third party for monetary or other valuable consideration may constitute a sale; and
• Disclosure for qualifying cross-context behavioral advertising may constitute sharing.

Certain disclosures are excluded from those definitions, including qualifying service-provider, contractor, consumer-directed, and business-transfer disclosures.

Where the CCPA applies and we engage in qualifying sale or sharing, we will provide required opt-out methods.

17. Global Privacy Control

Where the CCPA applies, a valid opt-out preference signal such as Global Privacy Control will be processed as required by California law.

18. Notice at Collection

Where required by the CCPA, we will provide legally required notice at or before collection identifying applicable:

• Categories of personal information;
• Processing purposes;
• Retention criteria or periods;
• Sale or sharing practices; and
• Consumer rights.

19. California Privacy Request Procedures

Where required, we will provide methods for submitting qualifying requests to:

• Know;
• Access;
• Correct;
• Delete;
• Opt out of sale or sharing; and
• Limit qualifying use or disclosure of sensitive personal information.

We may verify requests as permitted by law.

A consumer will not be required to create an account solely to exercise an applicable privacy right.

20. Response Timing

Where the CCPA applies, qualifying requests to know, delete, or correct generally will receive a substantive response within 45 days, subject to legally permitted extensions.

Opt-out requests will be processed within the timeframe required by applicable regulations.

21. Authorized Agents

California residents may use an authorized agent to exercise specified rights.

We may request information reasonably necessary to verify:

• The consumer’s identity; and
• The agent’s authority,

where permitted by law.

22. Sensitive Personal Information

California defines specified information as sensitive personal information, including qualifying:

• Government identifiers;
• Financial-account credentials;
• Precise geolocation;
• Contents of private communications;
• Genetic information;
• Biometric identifiers used for identification;
• Health information;
• Racial or ethnic origin;
• Religious or philosophical beliefs;
• Union membership; and
• Information concerning sex life or sexual orientation.

Our ordinary property-inquiry forms are not designed to collect unnecessary highly sensitive information.

Please do not submit Social Security numbers, banking passwords, payment-card credentials, medical records, or similar unnecessary information through ordinary Website forms.

23. California Risk Assessments, Cybersecurity Audits, and Automated Decisionmaking

California’s updated CCPA regulations became effective January 1, 2026.

Depending on a covered business’s processing activities and size, applicable requirements can include:

• Privacy risk assessments for qualifying higher-risk processing;
• Phased cybersecurity-audit requirements; and
• Consumer protections concerning qualifying automated decisionmaking technology.

Where those rules apply to our operations, we will comply with them.

24. Data Broker Requirements

California separately regulates qualifying data brokers.

A homeowner who directly submits property information to this Website ordinarily has a direct relationship with us.

If our broader operations independently meet California’s definition of a data broker, we will comply with applicable:

• Registration requirements;
• Privacy-policy disclosures;
• Delete Act requirements;
• DROP requirements; and
• Consumer-request obligations.

25. California Shine the Light

If California Civil Code section 1798.83 applies and qualifying personal information is disclosed to third parties for those third parties’ own direct marketing purposes, eligible California residents may request information concerning those disclosures as provided by law.

26. Do Not Track and Privacy Preference Signals

Some browsers transmit a legacy “Do Not Track” signal.

Because no uniform industry standard governs legacy Do Not Track signals, the Website may not respond to them in a standardized manner.

Where California law requires recognition of a valid opt-out preference signal such as Global Privacy Control, we will process the signal as required.

27. Telephone Communications

If you provide a telephone number, we may use it to communicate concerning:

• Your property;
• Property research;
• Scheduling;
• Evaluations;
• Offers;
• Follow-up;
• Potential transactions; and
• Related services.

Where state or federal law requires additional consent before regulated automated, prerecorded, artificial-voice, or marketing communications are made, legally required consent will be obtained.

You may request that calls stop.

28. California Call Recording

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

Accordingly, if we record a confidential communication involving a person in California, our operational practice should:

• Clearly disclose that recording will or may occur; and
• Obtain legally sufficient consent from all participants before recording.

We or providers acting on our behalf may record communications for legitimate purposes including:

• Quality assurance;
• Training;
• Documentation;
• Compliance;
• Fraud prevention; and
• Security.

Where another applicable jurisdiction imposes a stricter requirement, the stricter requirement will be followed.

29. Text Messages

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

• Your inquiry;
• Your property;
• Scheduling;
• Evaluations;
• Offers;
• Follow-up; and
• Potential transactions.

Where legally required, separate or 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.

30. Email Communications

We may use your email address to:

• Respond to inquiries;
• Communicate concerning your property;
• Provide potential-offer information;
• Schedule calls or visits;
• Send transaction-related information;
• Follow up; and
• Send promotional communications where permitted.

Applicable promotional emails will contain an unsubscribe mechanism.

31. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy.

Relevant factors may include:

• Whether an inquiry remains active;
• Whether a property remains of acquisition interest;
• Potential follow-up;
• Whether a transaction occurred;
• Contractual obligations;
• California recordkeeping requirements;
• Tax and accounting obligations;
• Fraud prevention;
• Litigation;
• Insurance matters; and
• Legitimate business recordkeeping needs.

Where the CCPA applies, retention practices will also comply with applicable data-minimization and purpose-limitation requirements.

32. Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized:

• Access;
• Acquisition;
• Use;
• Disclosure;
• Alteration;
• Loss; and
• Destruction.

No electronic storage or Internet transmission method can be guaranteed completely secure.

33. California Security Breaches

Where California security-breach law applies, we will investigate suspected unauthorized access to qualifying personal information and provide legally required notice to affected California residents and applicable authorities.

Nothing in this Privacy Policy waives rights California law does not permit to be waived.

34. Children

The Website is intended for adults involved in real estate matters.

It is not directed toward children under 13, and we do not knowingly collect personal information online from children under 13 through ordinary property-offer forms.

35. Third-Party Websites and Services

The Website may link to or integrate with third-party websites or services.

We do not control third-party:

• Privacy practices;
• Security;
• Content;
• Products;
• Services;
• Availability; or
• Conduct.

36. Information About Other People

If you provide information concerning another:

• Property owner;
• Co-owner;
• Heir;
• Family member;
• Personal representative;
• Executor;
• Administrator;
• Trustee;
• Tenant;
• Agent; or
• Other person,

you represent that you have authority or another lawful basis to provide that information.

37. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When changes are made, we will revise the “Last Updated” date.

Where applicable law requires additional notice or consent concerning a material change, we will provide it.

38. Contact Us

Questions, concerns, or privacy requests may be directed to:

I Buy Fire Damaged Homes Stockton California
Stockton, California
United States

Website: ibuyfiredamagedhomesstocktoncalifornia.com