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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 ibuyfiredamagedhomesauroracolorado.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Aurora Colorado (“we,” “us,” or “our”).

By accessing the Website, submitting property information, requesting an 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 homes in Aurora, Colorado.

Depending on the transaction, we may act as:

Our actual role depends on the governing documents and actual 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 an offer does not obligate you to sell.

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

You may reject a proposed offer unless and until you enter into a legally enforceable agreement, subject to applicable contractual and statutory rights.

5. No Obligation to Purchase

Submitting information does not require us to:

6. Eligibility and Authority

By using the Website or submitting property information, you represent that:

A submission from one co-owner does not necessarily authorize that person to bind every owner.

7. Agents, Wholesalers, Contract Holders, and Representatives

If a real estate agent, contract holder, wholesaler, attorney-in-fact, trustee, personal representative, heir, or other representative submits a property, that person is responsible for having lawful authority to do so.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Evaluation

The Website advertises free property evaluation and damage assessment.

An acquisition evaluation may include:

An evaluation conducted for our acquisition purposes is not automatically:

10. Preliminary Offers

Any preliminary:

is non-binding unless incorporated into an enforceable transaction agreement.

An offer may change following due diligence.

11. Offer Methodology

Potential offers may take into account:

No particular valuation, price, formula, or financial result is guaranteed.

12. Binding Transactions

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

Closing may depend on:

13. Colorado Does Not Impose One Universal Seller Questionnaire on Every Private Sale

Colorado should not be described as imposing one universal statutory property-condition questionnaire on every private residential sale.

Instead, seller obligations may arise through:

14. Colorado Real Estate Commission Seller’s Property Disclosure

The Colorado Real Estate Commission publishes a Seller’s Property Disclosure (Residential).

The current form adopted in 2025 has a mandatory-use date of January 1, 2026 for transactions in which Commission-approved forms are required to be used.

The form expressly states that if the purchase contract requires the seller to complete the disclosure, the seller must complete it according to the seller’s current actual knowledge as of the contractual Seller’s Property Disclosure Deadline.

15. Known Adverse Material Facts

The current Colorado Commission form instructs the seller that failure to disclose a known adverse material fact affecting the property or an occupant may result in legal liability.

It also instructs that a known adverse material fact should be disclosed even if the form does not contain a specific question for it.

A material fire-created condition should therefore not be concealed merely because it does not fit neatly within a particular checkbox.

16. Fire Damage Is Expressly Listed on the Current Colorado Form

The current Commission-approved residential Seller’s Property Disclosure expressly asks whether the seller knows of problems ever existing involving:

Damage due to hail, wind, fire, flood, or other casualty.

It also separately addresses matters involving:

17. Changes After the Disclosure

The current Commission form states that changes to the seller’s disclosures must be disclosed promptly after discovery.

If the seller discovers a new adverse material fact after completing the disclosure, the seller should disclose the new adverse material fact in writing to the buyer.

A fire-damaged property can change materially before closing due to:

18. Seller’s Disclosure Is Not a Warranty

The Commission form expressly states that the Seller’s Property Disclosure is not a warranty or guarantee by the seller or broker.

It is not intended to replace the buyer’s professional inspections.

19. No Universal Fire-Document Package

Colorado does not impose one universal requirement that every fire-damaged seller automatically provide every:

to every buyer.

However, particular documents may be:

20. No Universal Professional Inspection Requirement Before Sale

Professional structural, electrical, environmental, and fire-damage evaluations may be advisable.

Colorado does not impose one universal rule requiring every seller of a fire-damaged home to commission every possible inspection before transferring the property.

Separate Aurora requirements, existing orders, permits, insurance obligations, and contract provisions may nevertheless require professional involvement.

21. Colorado Radon Disclosure

Colorado separately imposes mandatory residential radon disclosures.

A contract for sale of residential real property generally must contain the statutory radon warning.

The seller also must provide applicable information concerning known radon testing, results, concentrations, and mitigation or remediation.

The required Colorado Department of Public Health and Environment radon brochure also must be provided as required by law.

These requirements apply independently of whether the property is fire-damaged.

22. Other Specific Colorado Disclosures

Separate disclosure duties may apply depending on the property, including matters involving:

These requirements should be reviewed independently of the fire-damage issue.

23. Licensed Broker Duties

A Colorado real estate broker representing a seller generally must disclose to prospective buyers adverse material facts actually known by the broker.

Those facts can include adverse material facts concerning:

A broker generally does not have an independent duty to inspect the property solely for the buyer or independently verify every seller statement.

24. As-Is Transactions

The Website markets properties as being purchased “as-is.”

“As-is” may mean that the purchaser is willing to acquire the property without requiring the seller to perform repairs.

It does not automatically eliminate:

25. No Universal Requirement to Repair Before Sale

Colorado does not impose one statewide rule requiring every fire-damaged residence to be completely restored before it can be sold.

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

Separate:

may nevertheless affect the property.

26. Aurora Fire Scene Access

Immediately after a fire, Aurora Fire Rescue may restrict access to the affected structure.

Property owners and other persons should not enter areas restricted by Aurora Fire Rescue until access is authorized.

An acquisition discussion or purchase agreement does not override a fire-department safety restriction.

27. Aurora Structural Fire Damage

Aurora advises that if a building is structurally damaged to the point of being uninhabitable, the homeowner should obtain guidance concerning safe reentry from an appropriate structural engineer or insurance adjuster.

Nothing on the Website should encourage a seller, purchaser, contractor, or employee to enter an unsafe fire-damaged structure contrary to emergency instructions.

28. Aurora Fire-Damage Repair Permit

Aurora expressly requires homeowners to obtain a building permit before beginning structural repairs for fire damage.

A property purchaser should therefore investigate:

29. Aurora Electrical Code

Aurora transitioned to the 2026 National Electrical Code effective August 1, 2026.

New electrical permit applications are reviewed and inspected under the applicable current electrical requirements.

Because structure fires frequently affect:

current permitting requirements may materially affect repair costs and timing.

30. Sale Does Not Eliminate Government Requirements

Transferring the property does not automatically:

Transaction documents should address known obligations where appropriate.

31. Cleanup and Restoration

The Website currently states that cleanup and restoration may be handled after closing.

Any:

must comply with applicable:

Nothing in these Terms represents that we personally perform regulated professional or contracting services unless appropriately authorized to do so.

32. Inspections and Due Diligence

The seller may not be required by us to repair or clean the property.

That does not mean the purchaser waives all acquisition due diligence.

Due diligence may include:

33. Offer Within 24 Hours

The Website advertises a no-pressure cash offer within approximately 24 hours.

That statement describes intended or potential service timing and is not a contractual guarantee.

Property complexity, access, incomplete information, title concerns, insurance issues, or other conditions may require additional time.

34. Seven- to Fourteen-Day Closing Claims

The Website states that closings typically take approximately 7–14 days and in some cases may occur in as little as seven days.

It also contains marketing language stating that the company can close in approximately 10 days.

These are potential transaction timelines, not guarantees.

Actual timing may depend on:

35. Cash Payment Statements

Website references to receiving “cash” generally describe a transaction that is not dependent on ordinary retail mortgage financing.

They do not necessarily mean that a seller will receive physical currency.

Funds ordinarily are transferred through legally appropriate closing or settlement procedures.

36. No Commission or Hidden Fee Claims

The Website advertises no commissions or hidden costs.

Where a seller completes a genuine direct purchase without hiring a listing broker, a traditional listing commission may not apply.

However:

may still affect net proceeds.

The executed purchase agreement and settlement statement control.

37. “Fair,” “Competitive,” and “Market Value” Claims

Website descriptions of offers as:

should not be interpreted as a guarantee that:

A real estate investor may seek a price below future repaired market value to account for repair costs, risk, expenses, and expected return.

38. Colorado Real Estate Licensing

Colorado’s broker definition is broad.

Subject to statutory exemptions, a person can act as a broker when, for compensation or with the intention of receiving compensation, the person performs activities involving:

39. Principal Purchaser Exemption

Colorado’s Real Estate Practice Act contains an exemption for a person or entity acting on its own behalf as principal in acquiring or negotiating to acquire an interest in real estate.

A genuine direct purchaser acquiring property for its own account is therefore situated differently from someone acting for another owner or investor for compensation.

40. Principal Status Is Based on Conduct

Calling a person:

does not determine whether real estate licensing applies.

The actual relationship, activity, ownership or contractual interest, and compensation control.

41. Options Are Specifically Addressed by Colorado Licensing Law

Colorado expressly defines an option dealer and includes dealing in options on real estate or interests in real estate within regulated brokerage activity, subject to statutory exemptions.

An option-based acquisition model should therefore not be assumed to be unregulated merely because title has not yet transferred.

42. Wholesaling and Contract Assignment

As of October 8, 2026, I did not identify a separate comprehensive Colorado residential-wholesaler registration and seller-cancellation statute comparable to specialized wholesaling statutes enacted in several other states.

Colorado’s ordinary:

remain important to assignment and wholesaling structures.

43. Contract Holder Versus Broker

A contract holder should consider factors such as:

44. Contractual or Equitable Interest Is Not Legal Title

Holding a:

is different from holding record title.

A contract holder should not falsely represent that:

45. Assignment Depends on Contract and Law

Whether a Colorado purchase agreement may be assigned depends on:

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

46. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your:

unless a separate legally compliant relationship expressly establishes otherwise.

47. Colorado Foreclosure Protection Act

Colorado maintains a detailed Colorado Foreclosure Protection Act regulating specified foreclosure consultants and equity purchasers.

The Act contains strong protections for homeowners whose principal residences are in qualifying mortgage default or foreclosure circumstances.

These protections are separate from ordinary real estate disclosure rules.

48. Residence in Foreclosure

For purposes of significant portions of the Act, a qualifying “residence in foreclosure” generally involves an owner-occupied principal residence encumbered by a residential mortgage loan that is delinquent or in default as defined by statute.

Different provisions use detailed definitions and should be applied to the specific transaction.

49. Foreclosure Consultants

A person can become a covered foreclosure consultant when, for compensation, the person represents that services will help a homeowner obtain specified foreclosure-related results.

Those services can include assistance represented as helping:

A principal cash purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the separate consulting arrangement complies fully with Colorado law.

50. Foreclosure Consulting Contract

Covered foreclosure-consulting services generally require a written contract containing prescribed information and notices.

The homeowner must receive a signed and dated copy along with applicable cancellation documentation.

51. Foreclosure Consultant Cancellation Right

Colorado provides a particularly strong cancellation right for covered foreclosure-consulting agreements.

A homeowner generally has the statutory right to cancel a foreclosure consulting contract at any time, subject to the detailed provisions governing repayment of qualifying funds advanced in good faith.

That right cannot be improperly conditioned or waived.

52. No Advance Compensation for Covered Foreclosure Consultants

A covered Colorado foreclosure consultant generally may not claim, demand, charge, collect, or receive compensation until the consultant has fully performed all services the consultant contracted or represented that it would perform.

53. Foreclosure Consultant Cannot Acquire the Client’s Home

A covered foreclosure consultant generally may not directly or indirectly acquire an interest in real or personal property belonging to the homeowner with whom the consultant contracted.

Accordingly, a business seeking to purchase the residence for investment should maintain a clear distinction between:

54. Equity Purchasers

Colorado separately regulates an equity purchaser acquiring title to a qualifying residence in foreclosure for purposes other than using the property as the purchaser’s own personal residence, subject to statutory exclusions.

Covered transactions require special contracts, notices, and procedures.

55. Written Equity-Purchase Contract

A covered equity-purchase transaction generally requires a written, fully completed, signed, and dated agreement containing the statutory information.

The contract must be provided before execution of an instrument conveying or encumbering the homeowner’s interest in the residence.

56. Three-Business-Day Equity-Purchase Cancellation Right

A covered homeowner generally has the right to cancel an equity-purchase contract until the earlier of:

Nothing in these Website Terms limits that statutory right.

57. Cancellation Notice

A covered equity-purchase agreement must contain the required conspicuous cancellation notice and be accompanied by applicable cancellation forms.

Website Terms are not a substitute for those statutory transaction documents.

58. Restrictions During the Cancellation Period

Until the statutory cancellation period fully expires, a covered equity purchaser generally may not take specified prohibited actions, including prematurely:

in violation of the Colorado Foreclosure Protection Act.

59. Misleading Statements to Homeowners in Foreclosure

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

60. Sale-Leaseback and Repurchase Arrangements

A transaction in which the homeowner conveys the residence in foreclosure and receives an option or contractual right to repurchase is subject to additional Colorado protections.

Among other requirements, a covered reconveyance arrangement generally must provide a nonwaivable 30-day right to cure defaults, exercisable on at least three occasions during the reconveyance contract.

61. Ability to Repurchase

In a covered foreclosure reconveyance, the equity purchaser generally must verify and be able to demonstrate that the homeowner has or will have a reasonable ability to make required lease payments and repurchase the residence.

The statute contains detailed affordability standards and presumptions.

62. Repurchase Price Restrictions

Colorado places additional unconscionability safeguards on the price required for the homeowner to repurchase a residence in foreclosure.

A repurchase price exceeding the statutory benchmark relative to the equity purchaser’s acquisition price can create a rebuttable presumption of unconscionability.

Sale-leaseback or “sell now, buy it back later” structures therefore require specialized legal review.

63. No Foreclosure-Rescue Guarantees

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

64. Requesting an Offer Does Not Stop Foreclosure

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

A homeowner facing foreclosure should independently determine all relevant deadlines.

65. Federal Mortgage-Assistance Rules

If separate conduct constitutes mortgage-assistance-relief services under federal law, additional requirements may regulate:

66. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

67. 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:

68. Pending Insurance Claims

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

69. Insurance Rights Do Not Automatically Transfer

Sale of the property does not automatically transfer:

Those matters depend on:

70. Public Adjusting

Nothing on the Website constitutes public-adjusting services.

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

71. Tenant-Occupied Property

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

A purchaser should review:

The fact that occupants temporarily left after a fire should not automatically be treated as proof that all tenancy rights ended.

72. 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 requirements.

73. Common Interest Communities

If property is part of a condominium, homeowners association, or other common-interest community, separate Colorado disclosure and association-document requirements may apply.

Relevant matters can include:

74. 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.

75. Colorado Recording Law

Colorado generally permits recording of a private conversation when the recorder is a participant or at least one principal party has consented, subject to applicable law.

Interstate communications can involve a stricter jurisdiction.

Where another applicable jurisdiction requires consent from all participants, the stricter requirement should be followed.

76. 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.

77. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will include an unsubscribe mechanism.

78. 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 specified form.

79. Privacy

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

80. Independent Decision-Making

Selling fire-damaged property can have substantial:

You may wish to consult:

81. No Professional Advice

Website content is general information and does not constitute individualized:

82. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

Where a Colorado licensed real estate professional participates, applicable brokerage and relationship disclosures control.

83. Acceptable Use

You may not:

84. Intellectual Property

Unless otherwise stated, the Website and its original:

are owned by or licensed to I Buy Houses With Fire Damage Aurora Colorado.

You may not commercially reproduce protected Website content without authorization.

85. Third-Party Websites and Services

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

86. Website Availability

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

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

87. No Guarantee of Transaction

We do not guarantee:

88. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

89. 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.

90. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE AURORA COLORADO 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 arising under separately executed:

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

91. 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.

92. Indemnification

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

93. Governing Law

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

94. 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 Colorado.

These Website Terms do not impose mandatory arbitration.

Nothing in these Terms overrides Colorado Foreclosure Protection Act provisions restricting waiver, foreign choice of law, improper venue, or other non-waivable homeowner rights.

A separately executed transaction agreement may contain different enforceable dispute provisions.

95. Non-Waivable Colorado Rights

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

96. Transaction Agreements Control

These Website Terms do not replace:

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

97. 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.

98. Severability

If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will continue in effect.

99. No Waiver

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

100. 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 real estate agreement is governed by:

101. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

102. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage Aurora Colorado
Aurora, Colorado
United States

Website: ibuyfiredamagedhomesauroracolorado.com