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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 ibuyhouseswithfiredamagenewyork.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage New York (“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. Direct Buyer Model

The Website expressly represents that we operate as a direct buyer rather than merely an intermediary.

Where we seek to acquire 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 and is not a real estate purchase contract.

You may reject a proposed offer unless and until you enter into a legally enforceable agreement, subject to any statutory cancellation or rescission 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:

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

7. Agents, Wholesalers, and Other Representatives

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

Nothing on this Website authorizes:

8. Property Research

We may research:

9. Property Assessments

The Website describes on-site evaluation as part of its offer process.

An acquisition evaluation may include:

An evaluation conducted for our acquisition purposes is not automatically an inspection or professional report prepared for the seller’s benefit and is not a warranty concerning property condition.

10. Preliminary Offers

Any preliminary:

is non-binding unless included in an enforceable written purchase agreement.

A preliminary offer may change after due diligence.

11. Offer Methodology

Potential offers may consider:

No particular purchase price, valuation methodology, or financial outcome is guaranteed.

12. Binding Transactions

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

Closing may depend on:

13. New York Property Condition Disclosure Act

New York’s Property Condition Disclosure Act generally requires a seller of covered one-to-four-family residential real property to complete and deliver the statutory Property Condition Disclosure Statement to the buyer or buyer’s agent before the buyer signs a binding contract of sale, subject to statutory exemptions.

Covered residential property generally does not include:

A direct cash or investor sale is not automatically exempt.

14. Statement Must Be Attached to the Contract

For a covered transaction, a copy of the Property Condition Disclosure Statement bearing the signatures of both seller and buyer generally must be attached to the real estate purchase contract.

15. New York No Longer Uses the Old $500 Credit Rule

Older New York materials may state that a seller can simply decline to provide the Property Condition Disclosure Statement and give the buyer a $500 closing credit.

That is outdated.

The statutory $500-credit alternative was repealed.

Covered sellers should not rely on the former credit as a substitute for providing the required disclosure.

16. Fire and Smoke Damage Are Expressly Addressed

New York’s current statutory disclosure form specifically asks:

“Is there any fire or smoke damage to the structure or structures?”

If the answer is yes, the seller must explain.

Fire damage is therefore expressly within New York’s statutory residential disclosure form.

17. Related Fire-Damage Disclosure Categories

Fire damage may also affect statutory questions concerning:

18. Actual Knowledge Standard

The Property Condition Disclosure Statement is based on the seller’s actual knowledge.

New York does not require a seller to:

The seller must nevertheless complete the form truthfully and completely to the seller’s actual knowledge.

19. The Disclosure Is Not a Warranty

The statutory Property Condition Disclosure Statement:

20. Revised Disclosure Before Closing

If the seller acquires knowledge that makes a previously delivered Property Condition Disclosure Statement materially inaccurate, the seller generally must provide a revised statement as soon as practicable.

No revised statement is required after the earlier of:

21. Liability for Willful Noncompliance

A seller who willfully fails to perform duties under New York’s Property Condition Disclosure Act may be liable for the buyer’s actual damages, in addition to other available statutory or equitable remedies.

The Act does not eliminate other existing causes of action.

22. Property Disclosure Exemptions

New York provides specified exemptions from the disclosure requirement.

These include certain:

An exemption should be confirmed for the actual transaction.

23. As-Is Transactions

New York expressly permits parties to enter an agreement for sale of property “as is.”

However, an as-is agreement does not automatically eliminate:

24. No Universal Fire-Document Package

New York does not impose one universal rule requiring every fire-damaged seller automatically to deliver every:

to every purchaser.

A particular document may nevertheless be:

25. No Universal Requirement to Repair Before Sale

New York does not impose one statewide requirement that every fire-damaged house be completely repaired before it can be sold.

A property may potentially be sold in damaged condition.

Separate:

may nevertheless affect the property.

26. New York’s Institutional-Investor 90-Day Rule

Beginning July 1, 2025, New York Real Property Law Article 16 prohibits a statutorily defined covered entity from purchasing, acquiring, or even offering to purchase or acquire an interest in a single-family or two-family residence unless the residence has first been listed for sale to the general public for at least 90 days.

This provision can directly affect an off-market cash-buyer model.

27. Who Is a Covered Entity

A covered entity generally includes:

The statutory institutional-investor definition includes specified entities or combined groups that satisfy conditions involving:

Specified nonprofits, land banks, community land trusts, and certain creditors acquiring property in satisfaction of secured debt are excluded.

Applicability must be evaluated based on the actual purchaser and funding structure.

28. Price Changes Restart the 90-Day Period

Where Article 16 applies, if the seller changes the property’s asking price, the statutory 90-day period generally restarts.

A covered purchaser generally may not make a new qualifying offer until the property has been publicly listed at the new asking price for another 90 days.

29. Covered Purchaser Disclosure

At the time a covered entity makes an offer, it generally must provide the seller or seller’s agent with the statutorily prescribed form:

30. Attorney General Filing

A covered entity generally must file the required purchaser form with the New York State Department of Law within three days after providing it to the seller or seller’s agent.

Failure to comply can expose a covered entity to substantial penalties.

31. Penalties for Violating the 90-Day Rule

A covered entity that violates New York’s 90-day waiting-period requirements may face civil damages and penalties of up to $250,000.

Separate penalties of up to $10,000 can apply to violations involving the covered-entity disclosure and filing obligations.

32. No Representation That Every Investor Is Covered

Article 16 does not automatically apply to every individual or small real estate investor.

Before applying the 90-day restriction, the actual ownership, pooled-fund, asset-value, and financing facts should be reviewed.

33. Fast-Offer Marketing Must Respect Article 16

Any Website statement promising:

is subject to New York Article 16 where the purchaser is a covered entity and the property is a covered one- or two-family residence.

No marketing statement authorizes an offer that New York law prohibits during the statutory waiting period.

34. New York Real Estate Brokerage Law

New York generally requires a real estate broker license where a person or business, for another and for a fee, commission, or other valuable consideration, performs specified real estate activities.

Those activities can include:

35. Principal Purchaser Versus Broker

A genuine principal purchaser negotiating to acquire property for its own account is differently situated from a person acting for another for compensation.

Nothing on the Website authorizes unlicensed brokerage.

A business should not rely solely on labels such as:

if its actual conduct consists of compensated brokerage for another person.

36. Referral and Commission Payments

New York restricts payment of real estate brokerage compensation to unlicensed persons for activities requiring a real estate license.

Referral or lead-compensation structures should therefore be evaluated carefully where the recipient performs or assists with licensed brokerage activity.

37. Contract Assignments and Wholesaling

As of October 7, 2026, New York does not maintain one general statewide wholesaler-specific registration and seller-disclosure regime comparable to dedicated wholesaling statutes enacted in certain other states.

That does not mean all contract assignments are automatically outside New York’s brokerage laws.

The actual conduct, compensation, contractual rights, advertising, and relationship among the parties control.

38. Contractual Interest Is Not Legal Title

Holding a:

is different from holding record title.

A contract holder should not falsely represent that:

39. Assignment Depends on Contract and Law

Whether a New York purchase agreement may be assigned depends on:

Nothing on this Website guarantees assignability.

40. Foreclosure and Mortgage Default

The Website may attract owners who are:

New York imposes particularly strong protections on certain distressed homeowners.

A cash acquisition from such an owner should not be handled as an ordinary distressed-property transaction without reviewing the applicable statutes.

41. New York Home Equity Theft Prevention Act

New York’s Home Equity Theft Prevention Act (“HETPA”), Real Property Law §265-a, regulates specified transactions involving an owner-occupied one-to-four-family principal residence that is in foreclosure or, in certain circumstances, mortgage default.

The Act is designed to protect homeowners from deceptive or unfair equity-purchase transactions.

42. Mortgage Default Definition

For purposes of HETPA, “default” generally means the homeowner is two months or more behind in mortgage payments.

Different provisions apply depending on whether the property is already in foreclosure and whether a reconveyance arrangement is involved.

43. Covered Contracts

A covered contract generally includes:

Whether a particular transaction is covered should be determined before the acquisition contract is signed.

44. HETPA Contract Requirements

A covered contract is subject to detailed statutory requirements concerning:

These Website Terms do not replace the statutory contract.

45. Fourteen-Business-Day Cancellation Right

Under current New York law, an equity seller generally has the right to cancel a covered HETPA contract until midnight of the fourteenth business day after the contract is signed.

Older summaries describing a five-business-day cancellation period may be outdated.

46. Restrictions During the Cancellation Period

Before the fourteen-business-day cancellation period expires, a covered equity purchaser generally may not:

47. No Misleading Foreclosure Statements

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

48. Purchaser Must Not Pretend to Be the Seller’s Adviser

New York specifically restricts a covered equity purchaser from representing that the purchaser acts:

when the purchaser is actually acquiring the property for its own benefit.

This direct-buyer Website should therefore maintain a clear principal-purchaser role.

49. Material Violations Can Create Extended Rescission Rights

A transaction materially violating specified HETPA provisions can be voidable.

New York law allows an equity seller, in qualifying circumstances, to seek rescission for up to two years after recording of the conveyance, subject to protections for bona fide purchasers or encumbrancers.

50. Sale-Leaseback and Reconveyance Arrangements

HETPA imposes additional restrictions where the acquisition includes:

Such arrangements should receive transaction-specific legal review.

51. Ability-to-Pay Requirement

A covered reconveyance arrangement generally requires the equity purchaser to verify through appropriate documentation that the equity seller has, or is likely to have, a reasonable ability to meet obligations associated with the promised reconveyance.

52. Independent Attorney Closing for Reconveyances

Where a covered reconveyance arrangement involves the purchaser obtaining a deed or mortgage, HETPA generally requires an in-person closing conducted by an attorney who is not employed by or affiliated with the equity purchaser.

53. 82% Equity Protection

In a covered reconveyance arrangement where title is not ultimately reconveyed to the former homeowner, New York generally requires the equity purchaser to ensure that the equity seller receives consideration totaling at least 82% of the property’s fair market value, subject to the statute’s detailed calculations and timing rules.

54. Distressed Property Consultants

New York separately regulates distressed property consultants under Real Property Law §265-b.

A covered consultant generally is a person or business that, for compensation, promises services to a homeowner with a distressed home loan or at risk of losing a home for unpaid taxes.

Covered services can include representing that the consultant will:

55. Distressed Property Consulting Contracts

A covered consulting contract generally must:

56. Five-Business-Day Consultant Cancellation Right

A homeowner generally may cancel a covered distressed-property-consulting contract until midnight of the fifth business day after signing.

57. No Advance Fees for Covered Consulting

A covered distressed property consultant generally may not charge or accept payment before all promised consulting services have been completed.

58. Consultant Cannot Take the Homeowner’s Deed

New York generally prohibits a covered distressed property consultant from:

A business seeking to purchase the property should not simultaneously operate as the homeowner’s paid distressed-property consultant.

59. Distressed-Property Advertising

Where a business actually operates as a covered distressed property consultant, New York imposes specific advertising disclosures concerning free or similar services potentially available from government-approved housing counselors.

An ordinary direct purchaser should avoid marketing itself as a foreclosure-relief consultant unless it is prepared to comply with those requirements.

60. Requesting a Cash Offer Does Not Stop Foreclosure

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

A homeowner facing foreclosure should independently verify all deadlines.

61. No Foreclosure-Rescue Guarantees

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

62. Federal Mortgage-Assistance Rules

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

63. New York City Fire-Damaged Property

Where property is located within New York City, additional New York City requirements may apply.

These local requirements are separate from statewide seller-disclosure, foreclosure, and licensing laws.

64. NYC Vacate and Repair Orders

The New York City Department of Housing Preservation and Development or Department of Buildings may issue orders concerning property that is:

Where a Vacate Order applies, occupants generally may not legally reoccupy until the issuing agency rescinds or lifts the order.

65. Fire-Related Commissioner’s Orders

HPD may issue a Commissioner’s Order where a building is vacated in whole or in part because fire damage prevents full access to affected areas.

The order can remain in effect while required repairs are completed.

A sale does not automatically cancel such an order.

66. Tenants Displaced by NYC Fire Orders

Where tenants have been displaced because of an HPD fire-related Order to Repair/Vacate or Commissioner’s Order:

67. Right of Reoccupation After Order Rescission

When conditions underlying an HPD fire-related order are corrected and the order is rescinded, the owner may have to notify displaced tenants of their right to reoccupy their apartments.

A buyer should therefore not assume that a fire-vacated building is legally free of tenant rights.

68. Sale Does Not Automatically End Tenancy

A sale of New York or New York City rental property generally does not, by itself, terminate existing lawful tenancy rights.

A purchaser should evaluate:

69. NYC Emergency Repair Work

New York City allows licensed contractors to perform certain qualifying emergency work before a normal permit is issued where immediate work is necessary to address an emergency or hazardous condition.

An Emergency Work Notification must be filed within the time required by the Department of Buildings.

Qualifying emergency work can include stabilization of unsafe structural conditions and specified fire-protection or utility repairs.

70. Emergency Work Notification Is Not a General Permit

An Emergency Work Notification is not a blanket authorization for an entire reconstruction project.

Once the full scope of work is known, additional:

may be required.

71. NYC Licensed Contractors

New York City requires licensed or registered contractors for various categories of regulated construction work.

A property acquisition does not itself authorize:

72. Code Violations and Orders Survive the Marketing Process

A sale does not automatically:

Known violations and orders should be addressed in due diligence and the transaction documents.

73. Cleanup and Debris Removal

The Website advertises free property cleanout.

Any:

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

Nothing in these Terms represents that we personally perform regulated contracting work unless lawfully authorized to do so.

74. Fast Offer and Closing Claims

The Website advertises a rapid direct-sale process.

Statements concerning:

describe intended or potential transaction structures and are not guarantees.

Actual timing may depend on:

75. Fair and Competitive Offer Claims

The Website describes its cash offers as fair, competitive, and reflective of the property’s condition.

Those statements should not be interpreted as a guarantee that:

The signed purchase agreement controls the actual price.

76. No Agent Commission Claims

The Website advertises direct transactions without traditional agent commissions.

Where the seller sells directly without a listing broker, a conventional listing commission may not apply.

If a New York licensed real estate professional participates, compensation obligations are governed by applicable agreements and law.

77. 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 separately established through a legally compliant relationship.

Property owners are responsible for understanding:

78. Pending Insurance Claims

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

79. Insurance Rights Do Not Automatically Transfer

Sale of a fire-damaged property does not automatically transfer:

Those issues depend on policy language, applicable insurance law, mortgage-holder rights, insurer requirements, timing of the loss, and the transaction documents.

80. 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.

81. Probate, Estate, Trust, and Inherited Property

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

A transaction may require:

82. Federal Lead-Based Paint Disclosure

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

Nothing on this Website replaces those federal requirements.

83. Condominiums and Cooperatives

New York’s Property Condition Disclosure Act generally excludes condominium units and cooperative apartments from its definition of covered residential real property.

That does not mean such transactions have no disclosure, offering-plan, board, building-condition, contract, fraud, or other legal requirements.

Condominium and cooperative transactions should be evaluated separately.

84. 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.

85. New York Recording Law

New York is generally a one-party-consent jurisdiction for ordinary telephone recording.

A participant generally may record the communication without obtaining consent from every other participant.

Because interstate communications may involve jurisdictions requiring all-party consent, additional notice or consent may be required.

Where another applicable law imposes a stricter requirement, the stricter requirement controls.

86. Text Messages

If you provide a mobile 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.

87. Email Communications

By providing an email address, you authorize communications concerning:

Applicable promotional emails will include an unsubscribe mechanism.

88. Privacy

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

89. Independent Decision-Making

Selling fire-damaged real estate can have substantial:

You may wish to consult:

90. No Professional Advice

Website content does not constitute individualized:

91. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed New York real estate professional participates, applicable agency and brokerage disclosures control.

92. Acceptable Use

You may not:

93. 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 New York.

You may not commercially reproduce protected Website content without authorization.

94. Third-Party Websites and Services

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

95. Website Availability

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

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

96. No Guarantee of Transaction

We do not guarantee:

97. Marketing Claims

Website statements describing our services as:

describe intended or potential service characteristics and do not guarantee a particular economic outcome.

98. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

99. 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.

100. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE NEW YORK 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 a separately executed:

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

101. Independent Third Parties

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

Nothing in this section eliminates liability that applicable law does not permit to be excluded.

102. Indemnification

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

103. Governing Law

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

104. 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 New York.

These Website Terms do not impose mandatory arbitration.

Nothing in these Terms overrides a statutory right making arbitration void or voidable in a covered HETPA or distressed-property-consulting transaction.

105. Non-Waivable New York Rights

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

106. Transaction Agreements Control

These Website Terms do not replace:

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

107. 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.

108. 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.

109. No Waiver

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

110. 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:

111. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

112. Contact Us

Questions concerning these Terms may be directed to:

I Buy Houses With Fire Damage New York
New York
United States

Website: ibuyhouseswithfiredamagenewyork.com