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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 ibuyfiredamagedhomescoloradospringscolorado.com (the “Website”) and services offered through the Website by I Buy Fire Damaged Homes Colorado Springs (“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. Our Role

The Website currently presents our business principally as a direct purchaser of fire-damaged property in Colorado Springs.

Depending on the transaction, we may act as:

Our actual role depends on the transaction documents and conduct.

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

3. Direct Purchase Model

Where we seek to purchase property for our own account:

4. No Obligation to Sell

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

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

You may reject an offer unless and until you execute a legally enforceable transaction agreement, subject to any applicable statutory cancellation or rescission 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 authorize that person to bind every owner.

7. Agents, Wholesalers, and Other Representatives

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

Nothing on the Website authorizes:

8. Property Research

We may research:

9. Property Assessments

An acquisition evaluation may include:

An evaluation performed 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.

10. Preliminary Offers

Any preliminary:

is non-binding unless incorporated into an 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 financial result is guaranteed.

12. Binding Transactions

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

Closing may depend on:

13. Colorado Does Not Use One Universal Statutory Residential Condition Questionnaire for Every Private Sale

Colorado should not be described as having one statute requiring every private residential seller to complete the Colorado Real Estate Commission’s Seller’s Property Disclosure in every sale.

The Commission-approved Seller’s Property Disclosure (Residential) is widely used and may be required by the parties’ purchase contract or brokerage process.

Separate Colorado law also imposes specific disclosures concerning matters such as:

Accordingly, the actual transaction documents and applicable statutes control.

14. Seller’s Property Disclosure Form

Where the purchase contract requires the seller to complete the Colorado Real Estate Commission Seller’s Property Disclosure (“SPD”), the seller should complete it based on the seller’s current actual knowledge.

The current residential SPD expressly warns that failure to disclose a known adverse material fact affecting the property or occupants may result in legal liability.

15. Fire Damage Is Expressly Addressed by the Colorado SPD

The Colorado Real Estate Commission’s residential Seller’s Property Disclosure expressly asks whether the seller knows of building-condition problems involving:

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

Fire damage is therefore directly addressed by Colorado’s standard Commission-approved residential disclosure form.

16. Related Fire-Damage Categories

A structure fire can also affect SPD categories concerning:

17. Actual Knowledge and No Automatic Duty to Investigate for the SPD

The Commission form is based on the seller’s current actual knowledge.

A seller completing the SPD is not automatically required by the form itself to:

However, known information should be truthfully disclosed.

18. Colorado Common-Law Duty Concerning Known Latent Defects

Separate from use of the Commission’s SPD form, Colorado recognizes a seller’s duty to disclose known latent physical defects that materially affect the property and are not known to the buyer.

A purchase contract’s disclosure provisions do not automatically eliminate that common-law duty.

Accordingly, a seller should not assume that an as-is clause permits concealment of a known hidden fire-created defect.

19. Known Adverse Material Facts

A known fire-created condition may be an adverse material fact where it materially affects matters such as:

20. Broker Disclosure Duties

Colorado real estate brokers generally must disclose adverse material facts actually known to the broker concerning matters such as:

A broker generally is not required to conduct an independent property inspection merely to discover unknown defects.

21. Fire Damage Is Not Merely a “Stigma”

Colorado limits disclosure of certain psychologically stigmatizing facts.

Actual physical fire damage, structural damage, smoke contamination, electrical damage, code violations, and similar tangible property conditions should not be confused with a purely psychological stigma.

Known physical defects can carry separate disclosure obligations.

22. No Universal Fire-Documentation Package

Colorado does not impose one universal requirement that every seller automatically deliver every:

to every purchaser.

Particular documents may nevertheless be:

23. Changes in Known Property Condition

If the seller uses the Colorado Real Estate Commission SPD, the form instructs the seller to promptly disclose changes discovered after completion.

For a fire-damaged property, relevant later developments may include:

24. Radon Disclosure

Colorado has mandatory residential radon disclosure requirements.

Each qualifying residential contract must include the statutory radon warning.

The seller also must provide known information concerning radon testing, concentrations, records, reports, and mitigation as required by law.

Fire damage does not eliminate those radon obligations.

25. Common-Interest-Community Disclosure

Where the property is located within a Colorado common-interest community, separate disclosure requirements apply.

The purchase contract must contain applicable statutory language concerning:

Upon request, the seller also may have obligations concerning association governing and financial documents.

26. As-Is Transactions

The Website advertises an as-is cash purchase.

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

It does not automatically eliminate:

27. 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 as-is.

Separate:

may nevertheless affect the property.

28. Colorado Springs Damage-Repair Permitting

Residential building permitting in Colorado Springs and much of the Pikes Peak region is administered by the Pikes Peak Regional Building Department (“PPRBD”).

PPRBD maintains a specific Damage Repair (Fire, Water, Impact, Etc.) procedure.

For qualifying damaged structures, the process begins with an initial assessment permit.

29. Initial Fire-Damage Assessment Permit

Under PPRBD’s current damage-repair procedure:

30. Repairs Requiring a Permit

If assessment shows that permitted repair work is required:

If no permit-required repair is needed, PPRBD provides a completion procedure through inspection or qualifying professional documentation.

31. Homeowner Permits

PPRBD’s current homeowner-permit rules generally allow a homeowner to obtain permits for work performed on the owner’s primary residence that the owner owns and resides in.

The homeowner permitting process generally does not allow an owner to use the same self-permit route for:

An investor acquiring a fire-damaged property for renovation and resale should therefore not assume that the prior homeowner’s self-permit option applies.

32. Contractor Licensing

PPRBD requires contractors to be appropriately licensed before consulting for, contracting for, or performing work that requires a permit within its jurisdiction.

Property ownership does not automatically authorize the new owner to perform regulated contracting work for which licensing is required.

33. Dangerous Buildings

The Pikes Peak Regional Building Code permits the Building Official to issue notices and orders concerning dangerous buildings or structures.

A dangerous-building order can require:

depending on the circumstances.

A sale does not automatically eliminate an order affecting the property.

34. Colorado Springs Fire Code

Colorado Springs has adopted the 2021 International Fire Code with local amendments.

Depending on the property and repair scope, the Colorado Springs Fire Department may regulate matters including:

35. Cleanup and Restoration

The Website states that cleanup may be handled after closing.

Any:

must comply with applicable:

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

36. Inspections and Due Diligence

A direct cash transaction does not prevent a purchaser from conducting due diligence permitted by the purchase agreement.

Due diligence may include:

37. Website’s “No Costly Inspections” Statement

The Website markets a process that avoids the burden of costly seller-side inspections and repairs.

That marketing statement should not be interpreted as:

38. Fast Offer and Closing Claims

The Website advertises:

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

Actual timing may depend on:

39. Fair, Competitive, and Market-Value Claims

The Website describes its cash offers as fair, competitive, and reflective of market value.

Those statements should not be interpreted as guarantees that:

The actual purchase agreement controls.

40. No Agent Fees and Fee-Free Transaction Claims

The Website advertises avoidance of agent fees and a fee-free or low-friction sale.

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

If a licensed Colorado broker participates, compensation and closing obligations are governed by the applicable:

41. Colorado Real Estate Licensing

Colorado broadly defines a real estate broker to include a person or business that, for compensation or with the intention of receiving compensation, performs specified real estate activities.

Regulated activities include, among other things:

A single regulated act can potentially fall within the broker definition.

42. Principal Purchaser Versus Broker

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

Nothing in these Terms means that:

The actual relationship, compensation, ownership interest, and conduct control.

43. Owner and Principal Exemptions

Colorado’s licensing statute contains exemptions for specified acts involving a person’s own property and other defined circumstances.

Those exemptions should not be stretched to cover brokerage conduct performed for another for compensation.

44. Wholesaling and Contract Assignment

As of October 8, 2026, I did not identify a separate Colorado residential wholesaler-registration statute or dedicated seller-cancellation regime comparable to specialized wholesaling laws enacted in certain other states.

That does not mean every wholesale transaction is automatically exempt from Colorado’s broker-licensing law.

The actual conduct and transaction structure control.

45. Contract Holder Versus Broker

Relevant factors in a Colorado assignment or wholesaling transaction can include:

46. Contractual or Equitable Interest Is Not Legal Title

Holding a:

is different from holding legal title.

A contract holder should not falsely represent that:

47. Assignment Depends on the Contract

Whether a Colorado purchase agreement may be assigned depends on:

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

48. Website FAQ Concerning Direct Buyer or Wholesaler

The current Website asks:

“Are You a Direct Buyer or a Wholesaler?”

The published answer does not actually state whether the company purchases every property for its own account, assigns some contracts, or uses both structures.

The Website should be revised so that sellers receive an accurate description of the actual role.

Where the company signs a purchase agreement intending to assign its contractual rights, that fact should not be obscured by marketing language suggesting that title has already been acquired.

49. Foreclosure and Financial Distress

The Website may attract homeowners who are:

We are not your:

unless a separate legally compliant relationship expressly establishes otherwise.

50. Colorado Foreclosure Protection Act

Colorado maintains a detailed Foreclosure Protection Act governing specified transactions involving:

The statute contains special contract, notice, cancellation, conduct, and consumer-protection requirements.

A direct purchase of a residence already in foreclosure may therefore require transaction documents different from an ordinary cash purchase contract.

51. Residence in Foreclosure

The Foreclosure Protection Act applies based on statutory definitions.

A qualifying investor who acquires title to a residence in foreclosure can be an equity purchaser, subject to statutory exclusions.

Transaction staff should not assume that a conventional investor contract is sufficient merely because the homeowner voluntarily contacted the Website.

52. Colorado Foreclosure-Protection Contract

Where the Colorado Foreclosure Protection Act requires its specialized purchase contract, the transaction should use the current legally compliant form and required notices.

Colorado’s Division of Real Estate specifically identifies a Commission-approved Contract to Buy and Sell Real Estate (Residential) — Colorado Foreclosure Protection Act form for covered transactions.

53. Three-Business-Day Equity-Purchaser Cancellation Right

In a covered equity-purchaser transaction, the homeowner generally may cancel until the earlier of:

Nothing in these Website Terms limits that statutory right.

54. Notice of Cancellation

A covered equity-purchase contract must include the statutory cancellation notice and duplicate cancellation forms.

The cancellation deadline must be accurately calculated and stated.

These Website Terms are not a substitute for those forms.

55. Seller Warning — Equity Skimming

Covered Colorado foreclosure transactions can require a Seller Warning — Equity Skimming notice.

Colorado’s Division of Real Estate advises that the warning must be read to and signed by the seller and attached to the Foreclosure Protection Act contract where required.

If the purchaser is to assume the seller’s legal or financial obligations, special document-preparation requirements may apply.

56. Foreclosure Consultants

Colorado separately regulates foreclosure consultants.

A person may become a foreclosure consultant where, for compensation, the person offers to provide qualifying services represented as helping the homeowner:

A direct property buyer should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the separate relationship complies with the statute.

57. Foreclosure-Consultant Cancellation Right

A homeowner entering a covered Colorado foreclosure-consulting contract has a statutory right to cancel the consulting contract at any time.

That right cannot be conditioned on immediate repayment of qualifying funds advanced by the consultant.

58. No Advance Compensation for Covered Foreclosure Consulting

A covered foreclosure consultant generally may not collect compensation until after fully performing each service the consultant contracted or represented it would perform.

59. Foreclosure Consultant Generally Cannot Acquire the Residence

A covered foreclosure consultant generally may not directly or indirectly, including through an associate, acquire an interest in property owned by the homeowner with whom the consultant contracted.

Accordingly, an acquisition business should keep its principal-buyer role distinct from a compensated foreclosure-consulting role.

60. No Foreclosure-Rescue Guarantees

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

61. Requesting an Offer Does Not Stop Foreclosure

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

A homeowner facing foreclosure should independently verify all deadlines.

62. Short Sales

Colorado’s Foreclosure Protection Act contains special treatment for qualifying short sales using applicable Colorado Real Estate Commission short-sale documentation and satisfying statutory requirements.

A short sale should not be treated as legally identical to an ordinary distressed-property acquisition.

63. Federal Mortgage-Assistance Rules

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

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. 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:

66. Pending Insurance Claims

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

67. Insurance Rights Do Not Automatically Transfer

A sale of fire-damaged property does not automatically transfer:

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

68. 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.

69. Fire Incident Reports

The Colorado Springs Fire Department maintains procedures for requesting medical, incident, and fire reports.

Availability of a fire report does not mean every such record must automatically be delivered to a purchaser.

A buyer may request available records as part of due diligence.

70. Tenant-Occupied Property

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

A purchaser should evaluate:

A property appearing vacant after a fire should not automatically be treated as free of tenant rights.

71. 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 applicable federal obligations.

72. Common-Interest Communities

If a property is located in a Colorado common-interest community, the transaction may involve separate requirements concerning:

73. Metropolitan and Special District Disclosures

Colorado has separate disclosure requirements concerning qualifying properties located within certain metropolitan or special districts.

The actual parcel should be reviewed for district-specific disclosure obligations before closing.

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 conversation where the recorder is a participant or at least one principal party has consented, subject to restrictions concerning unlawful purposes and other applicable law.

Because calls may involve participants located outside Colorado, interstate communications may be subject to a stricter all-parties-consent law.

Where another applicable jurisdiction imposes a stricter standard, that stricter standard controls.

76. 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 communications 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 contain an unsubscribe mechanism.

78. Electronic Communications

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

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

79. Privacy

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

80. Independent Decision-Making

Selling fire-damaged real estate can have substantial:

You may wish to consult:

81. No Professional Advice

Website content does not constitute individualized:

82. No Automatic Agency or Fiduciary Relationship

Use of the Website does not itself create:

If a licensed Colorado real estate professional participates, applicable agency, transaction-broker, brokerage, and relationship documents 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 Fire Damaged Homes Colorado Springs.

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. Marketing Claims

Website statements describing our offers or process as:

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

The executed transaction documents control.

89. Testimonials

Testimonials describe individual reported experiences.

They do not guarantee that another seller will receive:

90. 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.

91. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY FIRE DAMAGED HOMES COLORADO SPRINGS 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.

92. 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.

93. Indemnification

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

94. Governing Law

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

95. 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 requires arbitration where Colorado’s Foreclosure Protection Act or another applicable law makes such a requirement void or unenforceable.

96. Non-Waivable Colorado Rights

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

97. Transaction Agreements Control

These Website Terms do not replace:

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

98. 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.

99. 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.

100. No Waiver

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

101. 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:

102. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy govern Website use.

They do not supersede separately executed real estate transaction documents.

103. Contact Us

Questions concerning these Terms may be directed to:

I Buy Fire Damaged Homes Colorado Springs
Colorado Springs, Colorado
United States

Email: info@ibuyfiredamagedhomescoloradospringscolorado.com
Website: ibuyfiredamagedhomescoloradospringscolorado.com