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Terms and Conditions

Effective Date: October 8, 2026
Last Updated: October 8, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyfiredamagedhomesmorenovalleycalifornia.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Moreno Valley (“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. Direct Purchase Model

The Website currently represents that we specialize in purchasing fire-damaged Moreno Valley property in as-is condition.

Where we seek to purchase property for our own account:

3. Our Role

Depending on the transaction, we may act as:

Unless separately and lawfully established, we do not act as your:

4. No Obligation to Sell

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

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

You may reject a proposed offer unless and until you execute a legally enforceable transaction agreement, subject to 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. 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 or professional report 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 an enforceable written transaction agreement.

A preliminary offer may change following due diligence.

10. Offer Methodology

Potential offers may consider:

No particular valuation method or purchase price is guaranteed.

11. Binding Transactions

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

Closing may depend on:

12. 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 exemptions.

A direct cash sale is not automatically exempt merely because:

13. TDS Timing

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

Different timing rules may apply to specified real-property sales contracts, lease-options, ground leases, manufactured homes, or other transaction types.

14. Late Disclosure and Buyer Termination

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 right.

15. TDS Requirements Cannot Simply Be Waived

Where California’s TDS law applies, a seller and cash buyer should not assume they can eliminate the statutory disclosure regime merely by describing the transaction as:

California places statutory limits on waiver.

16. TDS Exemptions

California provides exemptions for specified transfers, including qualifying:

An exemption should be verified for the specific transaction.

17. Fire Damage and the TDS

A prior fire can create current conditions relevant to the TDS, including:

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

18. Material Facts

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

Fire-related conditions may be material depending on:

19. No Universal Fire-Document Package

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

to every buyer.

A particular document may nevertheless be:

20. California Natural Hazard Disclosure

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

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

The actual parcel should be evaluated using current official information.

21. Moreno Valley Fire Hazard Severity Zones

The City of Moreno Valley publishes current Fire Hazard Severity Zone mapping based on recommendations prepared by CAL FIRE under the direction of the State Fire Marshal.

The 2025 mapping uses classifications including:

A property’s classification should be confirmed on the current map.

22. Fire Hazard Is Not the Same as Fire Damage

A structure that suffered an actual fire and a structure located in a statutory wildfire-hazard zone present different legal issues.

A Moreno Valley property may:

Marketing and transaction documents should distinguish these concepts.

23. Wildfire Disclosure for Certain Pre-2010 Homes

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 may require an additional wildfire-hardening disclosure.

For transactions on or after July 1, 2025, the disclosure also addresses which listed low-cost retrofit measures, if any, were completed during the seller’s ownership.

The property’s actual hazard designation and construction date control.

24. As-Is Transactions

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

“As-is” may mean the purchaser does not require the seller to make 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 residence to be completely repaired before it can be sold.

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

Separate:

may nevertheless affect the property.

26. Moreno Valley Fire Recovery and Building & Safety

The Moreno Valley Fire Department directs owners recovering from a fire to the City’s Building & Safety Division for assistance with:

The precise permits and inspections required depend on the actual damage and work proposed.

27. Current Moreno Valley Building Codes

Moreno Valley’s Building & Safety Division administers:

The City’s 2025 building codes became effective January 1, 2026 for applicable new submittals.

Fire repair or reconstruction must comply with the code applicable to the project.

28. Moreno Valley Fire Prevention Requirements

The Moreno Valley Fire Prevention Division administers matters including:

Where fire-damage repair affects regulated fire-protection systems or fire-safety features, additional permits or inspections may be required.

29. Fire Incident Reports

The City directs persons seeking a fire incident report to the applicable CAL FIRE/Riverside County Fire Department records process.

A fire report may be useful in evaluating a loss.

Availability of a fire report does not itself mean that every seller must automatically provide every fire-investigation record to every buyer.

30. Cleanup and Restoration

Any:

must comply with applicable:

Nothing on the Website means that we personally perform regulated contractor work unless legally authorized.

31. California Contractor Licensing

California separately regulates contracting activity.

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

Property ownership alone does not create unlimited authority to perform contracting work.

32. Owner-Builder Rules

California’s owner-builder exemptions are limited.

Among other requirements, different rules apply depending on:

An investor purchasing fire-damaged property for rehabilitation and resale should not automatically assume that every homeowner owner-builder exemption applies.

33. Inspections and Due Diligence

The Website says sellers do not need to repair or clean the property.

That does not prevent a purchaser from performing due diligence permitted by the transaction documents.

Due diligence may include:

34. Fast Offer and Closing Claims

The Website advertises:

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

Actual timing may depend on:

35. “Guaranteed” Quick Sale Language

The Website currently states that choosing the company “guarantees” a quick, transparent sale.

No Website statement guarantees:

The executed transaction documents control.

36. Fair Cash Offer Claims

Website descriptions such as:

describe marketing objectives and do not guarantee:

37. No Agent Commissions or Hidden Fees

Where a seller completes a genuine direct transaction 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:

38. Insurance-Claim Statements on the Website

The Website currently states that the team:

Those statements involve a separately regulated subject under California insurance law.

39. California Public Insurance Adjuster Licensing

California defines a public insurance adjuster generally as a person who, for compensation, acts on behalf of or aids an insured in negotiating for or effecting settlement of a property-insurance claim, or holds themselves out to the public as performing that function.

Public adjusters are subject to:

40. No Unlicensed Insurance Adjustment

Unless acting through an appropriately licensed public insurance adjuster or attorney under a separate legally compliant arrangement, we do not undertake to:

41. Administrative Insurance Information

Nothing prevents ordinary transaction communications concerning factual matters such as:

That is different from regulated representation of the insured in negotiating or settling a claim.

42. Insurance Claims and Proceeds

A fire-damaged property may involve an open or completed insurance claim.

We do not act as your insurance company, insurance producer, public adjuster, or insurance attorney unless a separate legally compliant relationship expressly establishes otherwise.

Property owners are responsible for understanding:

43. Pending Insurance Claims

If property is sold while a claim remains pending, the purchase agreement should address rights concerning:

44. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those issues depend on:

45. 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:

The actual relationship and conduct control.

46. Principal Purchaser Versus Broker

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

Nothing in these Terms authorizes someone to avoid licensing requirements merely by calling themselves:

47. California Wholesaling

As of October 8, 2026, California has not enacted the proposed wholesaling-specific licensing regime contained in Assembly Bill 1850.

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

Its proposed requirements should therefore not be represented as current law.

48. Existing Brokerage Law Still Applies

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

Relevant considerations include:

49. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely represent that:

50. Assignment Depends on the Contract

Whether a California purchase agreement may be assigned depends on:

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

51. Homes Already in Foreclosure

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

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

52. Residence in Foreclosure

A covered residence in foreclosure generally involves:

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

53. Home Equity Sales Contract Requirements

A covered home-equity purchase agreement is subject to detailed statutory requirements.

Among other requirements, the agreement generally must:

54. Five-Business-Day Cancellation Right

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

Nothing in these Website Terms limits that right.

55. Restrictions During the Cancellation Period

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

The statutory procedures control.

56. No Misleading Statements to an Equity Seller

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

57. California Foreclosure Consultants

California separately regulates mortgage foreclosure consultants.

A person may become a covered foreclosure consultant when, for compensation, the person represents that services will:

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

58. Foreclosure-Consultant Cancellation Rights

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

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

59. No Advance Compensation for Covered Foreclosure Consulting

California restricts advance compensation in covered foreclosure-consultant relationships.

A covered consultant generally may not collect compensation before legally required performance.

60. Foreclosure Consultant Acquisition Restrictions

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

A principal property purchaser should therefore keep the acquisition role clearly separate from compensated foreclosure-relief consulting.

61. Requesting a Cash Offer Does Not Stop Foreclosure

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

62. No Foreclosure-Rescue Guarantees

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

63. Multilingual Contract Requirements

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

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

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

The Website’s language-translation functionality does not eliminate those requirements.

64. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

65. Recent Investor Resale After Repairs

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

Where qualifying contractor work was performed during that period, the seller may need to disclose:

This rule can be especially important if an investor buys a fire-damaged house, repairs it, and resells it quickly.

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 those requirements.

67. Common Interest Developments

Where a property lies within a condominium, planned development, or other qualifying common-interest development, separate California disclosure requirements may apply concerning:

68. 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.

69. California Recording Law

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

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

Where a communication is recorded, legally sufficient notice and consent should be obtained.

70. 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.

Message and data rates may apply. Message frequency may vary.

Reply STOP to request that applicable messages stop.

71. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will include an unsubscribe mechanism.

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

73. Privacy

Our collection and processing of personal information are described in our Privacy Policy.

74. Independent Decision-Making

Selling fire-damaged property can have significant:

You may wish to consult:

75. No Professional Advice

Website content does not constitute individualized:

76. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed professional participates, applicable professional agreements and duties control.

77. Acceptable Use

You may not:

78. Intellectual Property

Unless otherwise stated, the Website and its original text, branding, graphics, images, designs, layout, and software are owned by or licensed to I Buy Houses With Fire Damage Moreno Valley.

You may not commercially reproduce protected Website content without authorization.

79. Third-Party Websites and Services

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

80. Website Availability

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

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

81. No Guarantee of Transaction

We do not guarantee:

82. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

83. 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.

84. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE MORENO VALLEY 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.

85. 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.

86. Indemnification

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

87. Governing Law

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

88. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, insurance, 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.

89. Non-Waivable California Rights

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

90. Transaction Agreements Control

These Website Terms do not replace:

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

91. 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.

92. 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.

93. No Waiver

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

94. 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:

95. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

96. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Moreno Valley
Moreno Valley, California
United States

Website: ibuyfiredamagedhomesmorenovalleycalifornia.com