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Terms and Conditions

Effective Date: October 7, 2026
Last Updated: October 7, 2026

These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamagecharlotte.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Charlotte (“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 transaction, we may:

Nothing displayed on the Website constitutes a binding offer to purchase real estate.

2. Our Role

The Website currently represents that we purchase homes directly.

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 the 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, not a purchase agreement.

You may reject a potential offer unless and until you execute a legally enforceable transaction agreement, subject to applicable rights.

5. No Obligation to Purchase

Submitting information does not require us to:

6. Eligibility and Authority

By using the Website, you represent that:

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

7. Agents, Wholesalers, and Representatives

If an agent, wholesaler, contract holder, attorney-in-fact, trustee, executor, administrator, or other representative submits property information, that person is responsible for having lawful authority.

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

An assessment performed for our own acquisition purposes is not automatically an inspection or professional report performed for the seller’s benefit.

10. Preliminary Offers

Any preliminary:

is non-binding unless included in a legally enforceable written transaction agreement.

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may consider:

No particular valuation method, purchase price, or outcome is guaranteed.

12. Binding Transactions

A binding real estate transaction exists only when applicable parties execute enforceable transaction documents.

Closing may depend on:

13. North Carolina Residential Property Disclosure Act

North Carolina’s Residential Property Disclosure Act generally applies to transfers of residential real property containing one to four dwelling units, including qualifying:

subject to statutory exemptions.

The requirements can apply whether or not a real estate broker participates.

A cash or investor purchase is not automatically exempt.

14. Residential Property and Owners’ Association Disclosure Statement

For a covered transaction, North Carolina generally requires the owner to furnish the purchaser with the Commission-prescribed Residential Property and Owners’ Association Disclosure Statement (“RPOADS”), unless a statutory exception applies.

The RPOADS addresses conditions and characteristics including:

15. Yes, No, and No Representation

North Carolina’s disclosure framework is unusual.

For many property-condition questions, the owner may select:

An owner choosing “No Representation” may decline to make a representation concerning a particular characteristic or condition, subject to applicable law.

A seller should not falsely answer “No” when the seller actually knows a problem exists.

16. No Representation Is Not Permission to Commit Fraud

The “No Representation” option does not authorize:

The current Commission form itself cautions that failure to disclose latent or hidden defects may result in civil liability.

17. Fire Damage Is a Material-Fact Issue

The current North Carolina Commission disclosure instructions specifically caution that certain issues, including structural issues and fire damage, may remain material facts even after repairs are completed.

Where a licensed broker knows or reasonably should know of such a material fact, the broker’s disclosure duty exists separately from the seller’s answers on the RPOADS.

18. Broker Duties Are Different From Owner Duties

A licensed North Carolina broker must disclose material facts the broker knows or reasonably should know about the property.

That duty is separate from the property owner’s statutory disclosure choices.

Accordingly:

19. Timing of Disclosure

Required Chapter 47E disclosures generally must be delivered to the buyer no later than the time the buyer makes an offer to purchase, exchange, or option the property.

They may be included in:

20. Late Disclosure and Buyer Cancellation

If required disclosure statements were not delivered before or when the buyer made the offer, the buyer may have a statutory right to cancel the resulting contract.

That cancellation right expires at the earliest applicable event, including generally:

A timely statutory cancellation is without penalty and generally entitles the purchaser to return of deposits.

21. Mutual Agreement Not to Complete Certain Disclosure Statements

North Carolina law allows the parties, in specified circumstances, to agree not to complete the ordinary residential property disclosure statement or owners’ association disclosure statement.

This should not be confused with a blanket waiver of every disclosure requirement.

In particular, North Carolina separately requires a Mineral and Oil and Gas Rights Mandatory Disclosure Statement in transactions to which that requirement applies.

22. Mineral and Oil and Gas Rights Disclosure

North Carolina’s mandatory mineral and oil and gas disclosure addresses whether:

The special mandatory disclosure can remain applicable even where the parties agree not to complete the ordinary RPOADS.

23. Seller Disclosure Exemptions

Chapter 47E contains specific exemptions, including qualifying:

An exemption should be verified for the actual transaction.

24. First Sale of an Uninhabited New Dwelling

The first sale of a dwelling that has never been inhabited receives different treatment under Chapter 47E.

Certain ordinary property-condition disclosure requirements may not apply, although other mandatory disclosure requirements can remain applicable.

This should be evaluated transaction by transaction.

25. Changes in Circumstances

If a disclosure statement becomes materially inaccurate because:

North Carolina law generally requires the owner to promptly deliver a corrected disclosure statement.

Fire-damaged property may be especially susceptible to later changes involving:

26. Reports From Experts or Public Agencies

For many Chapter 47E matters, an owner may use a qualifying written report from a:

to help discharge a disclosure duty concerning matters within that professional’s scope.

27. No Universal Fire-Documentation Package

North Carolina does not impose one universal requirement that every fire-damaged seller automatically deliver every:

to every purchaser.

Particular records may nevertheless be:

28. As-Is Transactions

The Website advertises purchase of property as-is.

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

It does not automatically eliminate:

29. No Universal Requirement to Repair Before Sale

North Carolina does not impose one statewide rule requiring every fire-damaged residence to be fully repaired before sale.

A damaged house may potentially be sold in its present condition.

Separate:

may nevertheless affect the property.

30. Mecklenburg County Permitting

Mecklenburg County Code Enforcement administers permitting and inspection requirements for building, electrical, plumbing, and mechanical work.

Covered:

can require permits.

Fire restoration should therefore be evaluated based on the actual scope of work.

31. Limited Permit Exceptions

Current Mecklenburg residential permitting guidance provides a limited permit exception for certain work costing $20,000 or less.

That exception does not apply where the project involves matters such as:

Significant fire repairs commonly implicate one or more of those areas.

32. Fire Marshal Jurisdiction

Fire-code requirements may depend on the property’s location and project.

For properties within Charlotte city limits, applicable Charlotte Fire Marshal requirements should be distinguished from Mecklenburg County Fire Marshal jurisdiction outside the City.

33. Cleanout and Restoration

Any:

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

Nothing in these Terms represents that we personally perform regulated contracting services unless legally authorized.

34. Inspections and Due Diligence

A direct or as-is purchase does not prevent us from performing due diligence permitted by the transaction documents.

Due diligence may include:

35. Cash Offers and Closing Timing

The Website advertises fast and immediate cash offers, including a 24-hour offer on portions of the site.

Those statements describe possible service timing and are not guarantees.

Actual timing may depend on:

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

Any statement describing an offer as:

should not be interpreted as a guarantee that:

The executed purchase agreement controls the purchase price.

37. No Agent Commissions

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

If a licensed broker participates, compensation obligations are controlled by the applicable brokerage agreement, agency documentation, purchase agreement, and North Carolina law.

38. North Carolina Real Estate Licensing

North Carolina generally defines a real estate broker as a person or business entity who, for compensation or valuable consideration, performs specified real estate activity for others.

Regulated activity includes, among other things:

Nothing on this Website authorizes unlicensed brokerage.

39. Genuine Principal Purchaser

A business genuinely negotiating to acquire property for its own investment account is differently situated from a person performing brokerage services for another.

The actual relationship and conduct control.

Using terms such as:

does not itself determine whether licensing is required.

40. Owner Exemptions

North Carolina contains exemptions for owners selling or managing their own property and specified persons acting on behalf of qualifying owners.

Those exemptions are statutory and fact-specific.

They should not be used to justify brokerage conduct performed for unrelated third parties.

41. Wholesaling — Current Law

As of October 7, 2026, North Carolina has not enacted House Bill 797, the proposed Residential Property Wholesaling Protection legislation.

HB 797 passed the North Carolina House in 2025 but remains pending after referral to the Senate Rules and Operations Committee.

Its proposed rules should therefore not be represented as current North Carolina law.

42. Existing Law Still Applies to Contract Assignments

The absence of an enacted wholesaler-specific statute does not mean every transaction described as wholesaling is automatically lawful.

Relevant considerations include:

43. Contractual Interest Is Not Legal Title

Holding a:

is different from holding legal title to real estate.

A contract holder should not falsely represent that:

44. Assignment Depends on the Contract

Whether a purchase agreement may be assigned depends on:

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

45. Proposed HB 797 Should Be Monitored

HB 797 proposes substantial changes to North Carolina wholesaling law, including treatment of residential wholesaling as brokerage activity and additional homeowner protections.

Because the bill has not become law as of the Effective Date, these Terms do not implement its proposed requirements as current law.

If North Carolina later enacts wholesaling legislation, transaction procedures and these Terms should be updated.

46. North Carolina Attorney-Supervised Residential Closings

North Carolina treats significant residential real estate closing functions as the practice of law.

A licensed North Carolina attorney must supervise the residential real estate closing and perform services that constitute the practice of law.

Those legal functions can include:

47. We Are Not Your Closing Attorney

Unless separately established through an attorney-client relationship, we are not the seller’s attorney.

A closing attorney’s representation and professional duties are determined by:

A seller may seek separate legal counsel.

48. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your mortgage lender, mortgage servicer, attorney, financial adviser, housing counselor, mortgage broker, loan-modification provider, or debt-relief provider unless a separate legally compliant relationship establishes otherwise.

49. North Carolina Foreclosure Rescue Transactions

North Carolina specifically regulates defined foreclosure rescue transactions.

A covered transaction generally involves:

An ordinary permanent arm’s-length sale without those features is different.

50. 50% Fair-Market-Value Minimum in Covered Rescue Transactions

Except for specified exempt transactions, North Carolina generally prohibits a covered foreclosure rescue transaction for financial gain unless the transferee pays the homeowner at least 50% of the property’s fair market value.

Fair market value must be established by a certified appraiser.

51. Appraisal Timing

For a covered foreclosure rescue transaction:

52. Required Foreclosure Rescue Contract

A covered foreclosure rescue contract generally must be:

The statute requires specified information concerning matters including:

53. No Invented Foreclosure Rescue Cooling-Off Period

North Carolina’s current foreclosure-rescue statute does not establish the generic three-, five-, or seven-day cancellation period found in certain other states.

These Website Terms therefore do not invent one.

North Carolina instead provides specific appraisal, value, contract, unfair-practice, and judicial remedies.

54. Remedies for Prohibited Foreclosure Rescue Transactions

A violation of North Carolina’s foreclosure rescue law constitutes an unfair trade practice.

Available homeowner remedies can include:

subject to applicable statutory rules.

55. Sale-Leaseback and Repurchase Structures Require Special Review

A transaction in which a distressed homeowner:

should receive transaction-specific North Carolina legal review before execution.

Those facts may trigger the foreclosure-rescue statute.

56. Requesting an Offer Does Not Stop Foreclosure

Submitting a Website form, receiving an offer, or negotiating a sale does not automatically:

A homeowner facing foreclosure should independently verify all deadlines.

57. No Foreclosure-Relief Guarantees

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

58. Federal Mortgage-Assistance Rules

Where a separate service constitutes mortgage-assistance-relief services under federal law, federal rules may impose additional requirements concerning:

59. Probate, Trust, Estate, and Inherited Property

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

A transaction may require:

North Carolina also provides disclosure exemptions for certain fiduciary transfers.

60. 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 provides otherwise.

Property owners are responsible for understanding:

61. Pending Insurance Claims

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

62. Insurance Rights Do Not Automatically Transfer

A property sale does not automatically transfer:

Those issues depend on policy language, applicable law, mortgage-holder rights, insurer requirements, and the purchase agreement.

63. Public Adjusting

Nothing on this Website constitutes public-adjusting services.

A homeowner needing assistance negotiating an insurance claim should use a properly qualified professional or attorney where required.

64. Tenant-Occupied Properties

A sale does not itself automatically terminate every tenancy.

A purchaser should evaluate:

A house that appears vacant after a fire should not automatically be assumed to have no remaining tenant rights.

65. Federal Lead-Based Paint Disclosure

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

Nothing on this Website replaces those federal obligations.

66. Owners’ Associations

Where the property is subject to a homeowners’ association or mandatory covenants, North Carolina’s statutory disclosure regime can require information concerning matters including:

67. Telephone Communications

By providing a telephone number and requesting an offer, you authorize reasonable responsive communications regarding:

Additional consent will be obtained where required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

68. North Carolina Recording Law

North Carolina generally permits recording where at least one party to the communication consents, subject to statutory exceptions.

Where another participant is located in a stricter jurisdiction, additional notice or consent may be required.

We will follow the stricter applicable requirement.

69. Text Messages

If you provide a mobile telephone number and applicable consent, we may communicate by text regarding your inquiry and potential transaction.

Where required, additional consent will be obtained before regulated automated or promotional messages.

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

Reply STOP to request that applicable messages stop.

70. Email Communications

By providing an email address, you authorize communications concerning your property, potential offers, scheduling, due diligence, follow-up, and potential transactions.

Applicable promotional emails will include an unsubscribe mechanism.

71. 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 another form or through an attorney.

72. Privacy

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

73. Independent Decision-Making

Selling fire-damaged property can have significant legal, tax, financial, insurance, construction, and personal consequences.

You may wish to consult:

74. No Professional Advice

Website content does not constitute individualized:

75. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

Where a licensed North Carolina broker participates, applicable agency agreements and disclosures control.

76. Acceptable Use

You may not:

77. Intellectual Property

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

You may not commercially reproduce protected Website material without authorization.

78. Third-Party Services

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

79. Website Availability

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

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

80. No Guarantee of Transaction

We do not guarantee:

81. Website Marketing Claims

Statements describing the service as:

describe intended or possible service characteristics.

They are not guarantees of a particular economic result.

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 MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

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 CHARLOTTE 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 a separately executed:

unless that document expressly provides otherwise and applicable law permits it.

85. Independent Third Parties

To the maximum extent permitted by law, we are not responsible for the independent representations, contracts, pricing, professional services, performance, privacy practices, or conduct of unaffiliated third parties.

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 Charlotte from claims arising from your:

87. Governing Law

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

88. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, landlord-tenant, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in North Carolina.

These Website Terms do not impose mandatory arbitration.

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

89. Non-Waivable 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 controls 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 continue in effect.

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 Website Terms in connection with a merger, acquisition, financing, reorganization, affiliate restructuring, 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 Charlotte
Charlotte, North Carolina
United States

Website: ibuyhouseswithfiredamagecharlotte.com