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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 ibuyfiredamagedhomesstocktoncalifornia.com (the “Website”) and services offered through the Website by I Buy Fire Damaged Homes Stockton California (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting an evaluation or 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 property in Stockton, 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 property information or requesting a free evaluation does not obligate you to sell.

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

You may reject a proposed offer unless and until you enter into a legally enforceable transaction agreement, subject to 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 establish authority to bind all owners.

7. Agents, Wholesalers, and Other Representatives

A person submitting property information as an agent, wholesaler, contract holder, trustee, personal representative, attorney-in-fact, 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 Evaluations

The Website advertises detailed, no-pressure property evaluations.

An evaluation may include:

An evaluation performed for our acquisition purposes is not automatically:

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 financial outcome is guaranteed.

12. “Fair,” “Competitive,” and “True Value” Claims

The Website describes offers as fair, competitive, and reflective of a property’s current value or recovery potential.

Those statements describe the intended evaluation process.

They do not guarantee that:

The signed transaction documents control the actual purchase price and terms.

13. Binding Transactions

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

Closing may depend on:

14. 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:

15. TDS Timing

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

Different timing rules can apply to specified installment-sale, lease-option, ground-lease, or similar arrangements.

Applicable disclosures should be delivered as early as practicable.

16. Late TDS and Buyer Termination Rights

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

to terminate the offer by written notice.

Nothing in these Website Terms shortens those statutory periods.

17. TDS Requirements Cannot Simply Be Waived

Where California’s residential transfer-disclosure statute applies, its requirements cannot simply be eliminated by calling the transaction:

Applicable statutory disclosure rights and duties control.

18. TDS Exemptions

California provides specified exemptions for certain transactions, including qualifying:

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

19. Fire Damage and Seller Disclosure

A structure fire can create conditions relevant to numerous California disclosure categories, including:

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

20. Material Facts

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

Fire-related damage may be material depending on:

21. No Universal Fire-Document Package

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

to every purchaser.

Particular documents 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 applicable parcel must be evaluated using current official hazard information.

23. Fire Damage Is Different From Fire Hazard Zone Status

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

A Stockton property can:

Applicable disclosures should address the actual facts.

24. Wildfire Disclosure for Certain Pre-2010 Homes

Where residential property subject to California’s 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 disclosure also addresses which prescribed low-cost wildfire retrofits, if any, were completed during the seller’s ownership.

Applicability depends on the actual parcel and property.

25. As-Is Transactions

The Website markets acquisition of fire-damaged property in its current condition.

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

It does not automatically eliminate:

26. No Universal Repair Requirement Before Sale

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

A property may potentially be sold in damaged condition.

Separate:

may nevertheless affect the property.

27. Stockton Building & Life Safety Division

The City of Stockton’s Community Development Department includes the Building & Life Safety Division.

The Division is responsible for functions including:

Fire-damaged property should therefore be checked for:

28. Stockton Fire Damage Initial Inspection

Stockton’s published permit and fee materials specifically identify a Fire Damage Initial Inspection.

Accordingly, a fire-damaged property may involve a City inspection before or during repair planning.

A City fire-damage inspection should not be represented as:

It is part of the City’s building and safety framework.

29. Stockton Repair and Building Permits

Depending on the scope of damage and proposed restoration, Stockton permits may be required for work involving:

The exact permit requirements depend on the property and scope of work.

30. Fire Prevention Permits and Inspections

Stockton’s Fire Prevention Division separately issues fire permits, conducts fire inspections, and performs code-enforcement functions.

A repair or reconstruction project may require separate fire review where regulated fire-protection systems or hazardous conditions are involved.

31. Sale Does Not Automatically Clear City Requirements

A transfer of title does not automatically:

Known governmental requirements should be evaluated during transaction diligence.

32. Cleanup and Restoration

Any:

must comply with applicable:

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

33. California Contractor Licensing

California separately regulates contractors.

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

Acquiring the property does not itself authorize regulated contractor work.

34. Inspections and Due Diligence

The Website may describe the sale as a simplified or as-is process.

That does not prevent us from conducting our own due diligence.

Due diligence may include:

35. Free Evaluation

The Website states that its property evaluations are free and without obligation.

“Free evaluation” does not mean:

36. Fast Offer and 7–14 Day Closing Claims

The Website states that transactions can often close within approximately 7 to 14 days.

That timing describes a possible transaction structure and is not guaranteed.

Actual timing may depend on:

37. No Agent Commission Claims

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 determined by applicable:

38. California Real Estate Licensing

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

The actual relationship, compensation, and conduct control.

39. Principal Purchaser Versus Broker

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

Nothing on the Website authorizes someone to evade California licensing law merely by describing themselves as:

The actual conduct controls.

40. California Wholesaling

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

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

Its proposed wholesaler-specific licensing and disclosure rules should therefore not be represented as current law.

41. Existing Brokerage 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 real estate license.

Relevant facts can include:

42. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely represent that:

43. Assignment Depends on Contract and Law

Whether a California purchase agreement may be assigned depends on:

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

44. Homes Already in Foreclosure

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

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

These protections are separate from ordinary seller-disclosure law.

45. Residence in Foreclosure

A covered residence in foreclosure generally involves:

A covered investor can become an “equity purchaser.”

46. Home Equity Sales Contract Requirements

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

Among other things, the agreement generally must:

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

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

Nothing in these Website Terms limits that statutory right.

48. Restrictions During the Cancellation Period

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

Transaction procedures must comply with the statute.

49. No Misleading Statements to Equity Sellers

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

50. 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:

A principal buyer seeking to acquire property should not simultaneously portray itself as the seller’s paid foreclosure consultant unless the separate relationship fully complies with applicable law.

51. Foreclosure Consultant Cancellation Rights

Covered foreclosure-consultant contracts are subject to statutory written-contract and cancellation requirements.

A covered homeowner generally receives a five-business-day cancellation period.

Required statutory notices and forms should be used when applicable.

52. Advance Compensation and Acquisition Restrictions

California restricts advance compensation in covered foreclosure-consultant relationships.

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

A direct buyer should therefore maintain a clear distinction between:

53. Requesting an Offer Does Not Stop Foreclosure

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

Homeowners facing foreclosure should independently verify all relevant deadlines.

54. Federal Mortgage-Assistance Rules

Where separate conduct constitutes mortgage-assistance-relief services under federal law, federal requirements can regulate:

55. No Foreclosure-Rescue Guarantees

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

56. Multilingual Contract Requirements

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

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

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

Multilingual Website features do not eliminate applicable translation rights.

57. 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 statutory disclosure exemptions, but exemptions are transaction-specific.

58. 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:

59. Pending Insurance Claims

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

60. Insurance Rights Do Not Automatically Transfer

A sale of fire-damaged real estate does not automatically transfer:

Those matters depend on:

61. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

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

62. Recent-Resale Repair Disclosure

California separately imposes additional disclosure duties 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 that rule applies, disclosures concerning qualifying additions, structural modifications, alterations, repairs, contractors, and permits may be required.

This can be especially important if an investor acquires, repairs, and quickly resells a fire-damaged Stockton house.

63. Tenant-Occupied Property

Sale of tenant-occupied property does not itself automatically terminate every lawful tenancy.

A purchaser should evaluate:

Vacant appearance after a fire should not automatically be treated as proof that every tenancy has ended.

64. Common Interest Developments

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

65. 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 those federal obligations.

66. Telephone Communications

By providing a telephone number and requesting an evaluation or 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.

67. California Recording Law

California Penal Code section 632 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 a communication is recorded, appropriate notice and legally sufficient consent should be obtained from all participants.

68. 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 promotional texts are sent.

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

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

69. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will include an unsubscribe mechanism.

70. Electronic Communications

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

This consent does not eliminate documents that applicable law requires to be delivered in a particular form, language, or manner.

71. Privacy

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

72. Independent Decision-Making

Selling fire-damaged property can have significant:

You may wish to consult:

73. No Professional Advice

Website content does not constitute individualized:

74. 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.

75. Acceptable Use

You may not:

76. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Fire Damaged Homes Stockton California.

You may not commercially reproduce protected Website content without authorization.

77. Third-Party Websites and Services

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

78. Website Availability

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

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

79. No Guarantee of Transaction

We do not guarantee:

80. Marketing Claims

Website statements describing the process or offers as:

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

The executed transaction documents control.

81. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

82. 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.

83. Limitation of Liability

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

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

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

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

84. 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.

85. Indemnification

To the extent permitted by law, you agree to indemnify I Buy Fire Damaged Homes Stockton California from claims arising from your:

86. Governing Law

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

87. 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.

88. Non-Waivable California Rights

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

89. Transaction Agreements Control

These Website Terms do not replace:

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

90. 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.

91. 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.

92. No Waiver

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

93. 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:

94. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

95. Contact Us

Questions concerning these Terms may be directed to:

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

Website: ibuyfiredamagedhomesstocktoncalifornia.com