Terms and Conditions

Effective Date: October 3, 2026
Last Updated: October 3, 2026

These Terms and Conditions (“Terms”) govern your access to and use of iowafirehousebuyer.com (the “Website”) and services offered through the Website by Iowa Fire House Buyer (“Iowa Fire House Buyer,” “we,” “us,” or “our”).

By accessing the Website, submitting information concerning real estate, 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 homeowners, property owners, and authorized representatives to submit information concerning real estate they may wish to sell, including:

Fire-damaged property;
Smoke-damaged property;
Water-damaged property;
Structurally damaged property;
Distressed property;
Vacant property;
Inherited property;
Probate property;
Property facing foreclosure;
Property subject to liens;
Property requiring substantial repairs; and
Other residential or investment property.

Depending on a particular transaction, we may:

Evaluate the property ourselves;
Purchase or seek to purchase it;
Facilitate a potential cash offer;
Connect the seller with a local cash buyer;
Refer or route the opportunity to an investor;
Work with an appropriately licensed Iowa real estate broker;
Enter into a purchase contract;
Hold an equitable interest;
Assign or transfer contractual rights where legally permitted; or
Determine that neither we nor another prospective purchaser is interested.

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

2. Our Role

Iowa Fire House Buyer operates within the real estate investment, cash-buyer, property-acquisition, marketing, referral, and lead-generation marketplace.

Depending on the transaction, we may act as:

A prospective purchaser;
A real estate investor;
A property-acquisition business;
A lead-generation service;
A service connecting sellers with prospective purchasers;
A contract purchaser;
A wholesaler where Iowa law permits;
A party represented by an Iowa licensed real estate broker;
An affiliate or partner of another purchaser; or
A combination of these roles.

Our precise role depends on the facts and governing agreements.

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

Real estate broker;
Seller’s real estate agent;
Attorney;
Accountant;
Tax adviser;
Financial adviser;
Insurance adviser;
Public adjuster;
Contractor;
Engineer;
Appraiser;
Fiduciary;
Housing counselor;
Mortgage broker;
Foreclosure consultant; or
Other professional adviser.

3. Lead Generation Is Different From Wholesaling

The Website expressly connects some sellers with local cash buyers.

A referral or introduction is not necessarily the same as a statutory wholesale transaction.

Iowa defines residential real estate wholesaling around a person holding an equitable interest but not legal title in qualifying residential property for the purpose of selling that equitable interest to another buyer.

Where a transaction falls within Iowa’s wholesaling law, the licensing, agency, disclosure, and contractual protections described below apply.

4. No Obligation to Sell

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

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

You may reject a proposed offer unless and until you enter into a legally enforceable written agreement providing otherwise.

5. No Obligation to Purchase

Submitting property information does not require Iowa Fire House Buyer or another:

Investor;
Cash buyer;
Broker;
Contract purchaser;
Wholesaler;
Affiliate;
Acquisition partner; or
Other prospective purchaser

to:

Evaluate the property;
Make an offer;
Maintain an offer;
Continue negotiations;
Purchase the property; or
Complete a transaction.

6. Eligibility and Authority

By using the Website or submitting information concerning real estate, you represent that:

You are at least 18 years old;
You possess legal capacity to enter contracts;
Information you provide is materially accurate to the best of your knowledge;
You own the property, hold an ownership interest, or are authorized to communicate concerning it; and
Your use of the Website complies with applicable law.

Submission by one co-owner does not necessarily establish authority to bind every owner.

7. Property Information and Research

We may request or obtain information concerning:

Property address;
Property condition;
Fire damage;
Smoke damage;
Water damage;
Structural damage;
Electrical or plumbing condition;
Roof or foundation condition;
Occupancy;
Repairs;
Desired sale timeline;
Ownership;
Mortgages;
Liens;
Property taxes;
Probate;
Foreclosure;
Insurance claims; and
Other matters relevant to evaluating a transaction.

You authorize us and prospective purchasers evaluating the opportunity to research the property through lawful sources including:

County assessor records;
County recorder records;
Tax records;
Deeds;
Mortgages;
Liens;
Court records;
Probate records;
Foreclosure records;
Building permits;
Zoning information;
Sales history;
Comparable sales;
Property databases; and
Other public or commercial sources.

8. Buyer Matching

We may connect you with an affiliated or independent:

Cash buyer;
Real estate investor;
Licensed Iowa broker;
Contract purchaser;
Wholesaler;
Acquisition company;
Redevelopment business;
Contractor;
Investment group; or
Other prospective purchaser.

Independent purchasers are responsible for their own:

Offers;
Representations;
Valuations;
Contracts;
Financing;
Due diligence;
Licensing obligations;
Privacy practices;
Performance; and
Compliance with law.

9. Preliminary Offers

Any preliminary:

Cash offer;
Property valuation;
Price range;
Repair estimate; or
Similar indication of value

is non-binding unless incorporated into a legally enforceable written agreement.

An offer may change following due diligence.

10. Illustrative Offer Formula

The Website may describe an offer methodology substantially similar to:

Potential Offer = After-Repair Value – Repair Costs – Selling Costs – Investor Return

The formula is illustrative.

Actual assumptions may vary concerning:

Property value;
Repairs;
Holding expenses;
Property taxes;
Insurance;
Utilities;
Closing expenses;
Resale expenses;
Brokerage expenses;
Market conditions;
Risk; and
Investment return.

No specific offer is guaranteed.

11. Binding Transactions

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

A transaction may depend on:

Ownership verification;
Authority to sell;
Title or abstract review;
Property access;
Due diligence;
Mortgages;
Liens;
Taxes;
Seller disclosures;
Iowa wholesaling requirements;
Broker representation where applicable;
Closing requirements; and
Other contractual or legal conditions.

12. Iowa Residential Property Disclosure Law

Iowa Code Chapter 558A generally requires written property-condition disclosure for qualifying transfers of residential real estate containing at least one but not more than four dwelling units, subject to statutory exclusions.

The disclosure requirement applies even when no real estate licensee assists with the transaction.

Nothing on the Website replaces the disclosure required by Iowa law.

13. Timing of the Iowa Disclosure

Where Chapter 558A applies, the disclosure statement must generally be delivered before either:

The seller makes a written offer concerning the transfer; or
The seller accepts a written offer from the buyer.

This timing applies to covered cash and investor transactions as well as conventional sales.

14. Late Disclosure and Buyer Withdrawal Rights

If a required disclosure is not timely delivered, Iowa law generally permits the buyer to withdraw the offer or revoke acceptance without liability:

Within three days after personal delivery of the disclosure; or
Within five days after electronic delivery or delivery by mail.

The applicable statute controls the exercise and timing of that right.

15. Good-Faith Disclosure

Required information must be disclosed in good faith.

Where information required by the disclosure is unknown or unavailable and the seller has made a reasonable effort to determine it, Iowa law permits an appropriate approximation identified as an approximation.

A disclosure generally must be amended if information becomes inaccurate or misleading or is supplemented, subject to statutory exceptions.

16. Conditions Materially Affecting Property

Iowa’s administrative disclosure rules instruct sellers to disclose all known conditions materially affecting the property.

The state-prescribed disclosure framework includes matters concerning:

Basement and foundation;
Roof;
Sewer and septic systems;
Heating;
Air conditioning;
Plumbing;
Electrical systems;
Pest infestation;
Structural damage;
Asbestos;
Radon;
Water systems;
Drainage and flooding;
Zoning;
Environmental conditions;
Lead service lines; and
Other important property characteristics.

17. Fire Damage and Iowa Disclosure Duties

Fire damage may affect one or more matters required to be disclosed under Iowa law.

Potentially relevant conditions can include:

Structural damage;
Roof damage;
Foundation damage;
Electrical damage;
Plumbing damage;
Heating-system damage;
Smoke contamination;
Water intrusion from firefighting;
Mold;
Hazardous materials;
Building-code issues;
Incomplete repairs;
Unpermitted repairs; and
Other conditions materially affecting the property.

Where a seller knows of a fire-related condition materially affecting a covered property, that condition should be addressed through the applicable Iowa disclosure framework.

18. Correction of the Website’s Current Fire-Disclosure Claims

The Website currently states that Iowa sellers must disclose:

Every detail of fire and smoke damage;
All firefighting water damage;
All insurance claims;
All completed restoration work;
Every remaining defect; and
A detailed document package including all inspection reports, photographs, estimates, insurance records, and repair documentation.

These Terms do not adopt those claims as universal statutory requirements.

Iowa requires meaningful property-condition disclosure, including known conditions materially affecting the property, but it does not impose one universal rule requiring every fire-damaged seller to automatically provide every historical fire, insurance, inspection, photograph, contractor, and repair record.

Particular documents may nevertheless be:

Required by contract;
Used to satisfy a particular disclosure item;
Helpful in explaining a disclosed defect;
Requested during due diligence;
Relevant to an insurance claim; or
Required under another applicable law.

19. Professional Reports

Iowa law permits specified professional reports or written opinions to satisfy disclosure requirements concerning matters within the professional’s field of expertise.

Depending on the issue, this may include reports from qualified:

Surveyors;
Geologists;
Pest-control professionals;
Contractors; or
Other qualified professionals permitted under Iowa law.

Use of a professional report does not mean every transaction requires every possible report.

20. Actual-Damages Liability

A person who violates Iowa Chapter 558A can be liable to the buyer for actual damages suffered as a result, subject to the statute’s limitations.

A seller, broker, or salesperson generally is not liable under that chapter for an error, inaccuracy, or omission unless that person:

Had actual knowledge of the inaccuracy; or
Failed to exercise ordinary care in obtaining the information.

Chapter 558A also does not eliminate other disclosure obligations created by another law or by contract.

21. Statutory Exclusions

Chapter 558A excludes specified transfers from its definition of covered transfer.

Depending on the circumstances, exclusions include certain:

Court-ordered transfers;
Foreclosures;
Bankruptcy transfers;
Transfers to mortgagees following default;
Fiduciary transfers;
Transfers between co-owners;
Transfers to specified family members;
Divorce-related transfers;
Government transfers;
Quitclaim-deed transfers; and
Transfers by power of attorney.

The availability of an exclusion should be evaluated for the actual transaction.

22. 2026 Lead Service Line Disclosure Update

Beginning January 1, 2026, Iowa’s statutory disclosure framework expressly includes information concerning the presence of a lead service line as part of the property’s required condition and characteristic information.

This is separate from fire damage but should be reflected in any Iowa-specific seller-disclosure workflow.

23. As-Is Transactions

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

An as-is transaction may permit the seller to avoid performing repairs requested by a particular purchaser.

However, “as-is” does not automatically eliminate:

Chapter 558A disclosure obligations;
Iowa wholesaling protections;
Fraud or misrepresentation liability;
Contractual representations;
Federal disclosures;
Title obligations; or
Other legal duties.

The applicable transaction documents and governing law determine the effect of any as-is provision.

24. Inspections and Due Diligence

The Website may advertise:

No formal inspection;
No repairs;
No appraisal contingency;
No financing contingency; or
Similar streamlined terms.

Those statements describe possible buyer preferences.

They do not:

Eliminate seller disclosures;
Prevent due diligence permitted by the agreement;
Authorize concealment; or
Override applicable law.

A buyer may choose to:

Inspect the property;
Obtain contractor estimates;
Obtain engineering advice;
Review fire reports;
Review insurance information;
Review permits;
Examine title or abstract records; or
Conduct other due diligence.

25. Fast Closing and Similar Advertising Statements

The Website may advertise:

Offers within approximately 24 hours;
Closing in approximately 7 to 14 days;
Flexible closing dates;
No repairs;
As-is purchases;
No commissions;
No seller fees;
Buyer-paid closing costs;
No inspection;
No appraisal contingency;
No financing contingency; or
Similar transaction features.

These statements describe transaction structures that may be available.

Actual timing and terms depend on:

Property condition;
Ownership;
Title;
Mortgages;
Liens;
Disclosure timing;
Iowa wholesaling requirements;
Broker involvement;
Buyer availability;
Property access;
Due diligence;
Closing requirements; and
Other circumstances.

26. Closing Costs, Fees, and Commissions

Where a prospective purchaser agrees to:

Pay specified closing costs;
Purchase without a listing broker;
Charge no seller commission;
Charge no particular seller fee; or
Pay specified transaction expenses,

the actual obligations of the parties will be determined by signed transaction documents and the closing statement.

Website advertising does not override an executed agreement.

27. Iowa Residential Real Estate Wholesaling Law

Iowa specifically regulates wholesaling of residential property containing one to four dwelling units.

A statutory wholesaler generally holds an equitable interest but not legal title and intends to sell that equitable interest to another purchaser.

Iowa law requires a person engaging in such wholesaling either:

To be licensed as an Iowa real estate broker; or
To be represented by an Iowa real estate broker.

Nothing on the Website authorizes residential wholesaling in violation of those requirements.

28. Wholesaling Disclosures Before Contract

Before executing a contract to purchase or convey an equitable interest in a covered Iowa wholesale transaction, the wholesaler must provide written disclosures to all parties.

Those disclosures include:

The legal identities of all parties;
Identification of the current titleholder;
Identification of the wholesaler;
Identification of the purchaser of the equitable interest;
Identification of real estate licensees representing parties;
An explanation of the wholesaling process;
Disclosure that the wholesaler holds an equitable interest rather than legal title;
Disclosure that the wholesaler is selling the equitable interest;
Disclosure that the wholesaler may earn a profit; and
The legally required wholesaling statement.

Applicable Iowa law and Commission rules control over any Website summary.

29. Required Agency Agreement

Iowa law also requires the wholesaler to provide a copy of the executed agency agreement to all parties to a covered wholesale transaction before executing the applicable purchase or equitable-interest conveyance contract.

Accordingly, an Iowa wholesale workflow cannot be treated merely as a private contract assignment with no broker or agency documentation.

30. Cancellation for Missing Wholesaling Disclosure

If a wholesaler fails to provide the disclosures required by Iowa law, the seller or buyer may cancel the contract at any time before closing without penalty.

Applicable earnest money paid by the wholesaler may also be retained as provided by Iowa law.

These statutory protections override inconsistent transaction language.

31. Wholesaling Civil Penalty

A person engaging in covered wholesaling in violation of Iowa law may be subject to a civil penalty of up to the greater of $10,000 or 10% of the sale price of each residential property involved in the violation.

This makes wholesaling compliance a significant operational issue for any Iowa lead-generation business that itself contracts with sellers and assigns those contracts.

32. Contractual Interest Is Not Legal Title

Holding an equitable interest under a purchase contract does not mean the wholesaler owns legal title.

A person holding only an equitable or contractual interest should not represent to the seller, buyer, or public that the person is the title owner.

33. Lead Generation Versus Regulated Brokerage

Connecting a property owner with a prospective buyer does not automatically create the same legal relationship as becoming the wholesaler under an assignable purchase contract.

However, referral, procurement, negotiation, compensation, and other activities may independently raise Iowa real estate licensing issues.

The actual business model should therefore be reviewed to determine whether activity constitutes:

Lead generation;
Brokerage;
Wholesaling;
Principal investment activity; or
Another regulated activity.

34. Foreclosure and Financial Distress

The Website markets to homeowners who may be:

Behind on mortgage payments;
Facing foreclosure;
Facing forfeiture of a real estate contract;
Facing a sheriff’s sale;
Facing a tax sale;
Experiencing financial distress; or
Seeking a rapid sale.

We are not your:

Mortgage lender;
Mortgage servicer;
Attorney;
Financial adviser;
Housing counselor;
Credit counselor;
Mortgage broker; or
Foreclosure consultant

unless a separate legally compliant relationship expressly establishes otherwise.

Selling property may be one possible response to financial distress, but it is not necessarily the only option.

A homeowner may wish to contact:

The mortgage lender or servicer;
An Iowa attorney;
A HUD-approved housing counselor;
Iowa Legal Aid; or
Another qualified adviser.

35. Iowa Foreclosure Consultant Law

Iowa regulates persons who, for compensation, solicit, represent, offer, or perform services that are represented as helping an owner to:

Stop or postpone foreclosure;
Stop or postpone a foreclosure sale;
Stop forfeiture or sheriff’s sale;
Stop a tax sale;
Obtain forbearance;
Obtain a loan modification;
Obtain a repayment plan;
Cure a mortgage or real-estate-contract default;
Exercise redemption rights;
Obtain funds to avoid foreclosure;
Protect credit; or
Otherwise save a residence from foreclosure or related loss.

An ordinary arm’s-length purchase does not automatically make the purchaser a foreclosure consultant.

Applicability depends on the actual services and representations made.

36. Iowa Foreclosure Consultant Contract

Where Iowa’s foreclosure-consultant law applies, the consultant must use a compliant written contract.

Applicable requirements include:

Detailed description of services;
Compensation terms;
Required statutory notices;
Required cancellation language;
Appropriate type size;
Delivery of the contract to the homeowner; and
A detachable cancellation form.

37. Three-Business-Day Cancellation Right

A homeowner entering a covered Iowa foreclosure-consultant contract generally may cancel the contract until midnight of the third business day after signing a compliant contract.

The cancellation period does not begin until the consultant has complied with applicable contract and cancellation-notice requirements.

Nothing in these Website Terms shortens that statutory period.

38. Foreclosure Consultant Advance-Fee Restrictions

Where Chapter 714E applies, a foreclosure consultant generally may not claim, demand, charge, collect, or receive compensation until the consultant has fully performed every service the consultant agreed or represented it would perform.

Additional restrictions apply to:

Liens;
Security interests;
Undisclosed third-party consideration;
Powers of attorney; and
Other prohibited conduct.

39. Consultant Cannot Acquire the Client’s Residence

A covered foreclosure consultant generally may not acquire an interest, directly or indirectly or through an affiliate or subsidiary, in a residence in foreclosure from an owner with whom the consultant has contracted.

Accordingly, Iowa Fire House Buyer should not characterize itself as the homeowner’s foreclosure consultant when acting as a prospective purchaser.

40. Arbitration Restriction for Foreclosure Consulting

Iowa’s Foreclosure Consultants chapter prohibits contractual provisions requiring arbitration of disputes arising under that chapter.

Nothing in these Website Terms imposes mandatory arbitration, and any applicable statutory foreclosure-consultant restriction controls.

41. No Foreclosure-Rescue Guarantees

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

We act for your lender;
We act for your servicer;
We act for the State of Iowa or federal government;
We guarantee foreclosure will stop;
We guarantee a loan modification;
We will negotiate your mortgage for you;
You should stop contacting your lender;
You should stop making legally required payments; or
Selling your property through us is your only option.

42. Probate and Inherited Property

Submitting inherited or probate property does not establish that the submitting person has authority to sell.

A transaction may require:

Executor or administrator authority;
Trustee authority;
Court documentation;
Participation of heirs;
Appropriate deeds;
Affidavits; or
Other evidence of authority.

Some fiduciary transfers may qualify for Chapter 558A exclusions depending on the actual facts.

43. Insurance Claims and Fire-Damage Proceeds

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

We do not act as your:

Insurance company;
Insurance producer;
Public adjuster;
Insurance attorney; or
Insurance adviser

unless separately established through a legally compliant arrangement.

You are responsible for understanding:

Insurance coverage;
Claim deadlines;
Proof-of-loss requirements;
Insurance proceeds;
Repair obligations;
Mortgage-holder rights;
Assignment restrictions;
Recoverable depreciation;
Policy conditions; and
Tax implications.

If property is sold while an insurance claim remains pending, the purchase agreement should address the parties’ respective rights concerning the claim and proceeds.

44. Insurance Records Versus Statutory Seller Disclosure

Fire reports, insurance records, photographs, repair invoices, inspection reports, engineering reports, and contractor estimates may be valuable when evaluating a fire-damaged property.

They are not automatically a universal statutory package that Iowa law requires every seller to provide in every transaction.

45. Permits, Code Enforcement, and Unsafe Structures

Fire-damaged property may be subject to:

Building-code violations;
Unsafe-building determinations;
Condemnation;
Building permits;
Electrical permits;
Repair requirements;
Demolition requirements;
Fire-code requirements;
Utility restrictions; or
Other governmental requirements.

Requirements vary among Iowa municipalities and jurisdictions.

An as-is sale does not waive governmental requirements.

46. Telephone Communications

By providing a telephone number and requesting information or an offer, you authorize us to respond concerning:

Your property;
Property research;
Scheduling;
Offers;
Buyer matching;
Follow-up; and
Potential transactions.

Additional consent will be obtained where applicable law requires it for regulated automated, artificial-voice, prerecorded, or marketing communications.

47. Recording of Communications

Iowa generally permits a person to record a wire, oral, or electronic communication when the recorder is a party to the communication or one party has given prior consent, provided the recording is not undertaken for a prohibited criminal, tortious, or other injurious purpose.

We or service providers acting on our behalf may record communications for legitimate purposes including:

Quality assurance;
Training;
Documentation;
Compliance;
Fraud prevention; and
Security.

Because callers may be physically located in jurisdictions with stricter recording laws, additional notice or consent may be required.

Where another applicable law imposes a stricter rule, we will follow that rule.

48. Text Messages

If you provide a mobile number and applicable consent, we may communicate by text regarding:

Your inquiry;
Your property;
Scheduling;
Offers;
Buyer matching;
Follow-up; and
Potential transactions.

Where legally required, additional consent will be obtained before regulated automated or marketing text communications are sent.

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable text messages stop.

49. Email Communications

By providing an email address, you authorize us to communicate regarding:

Your property;
Offers;
Prospective purchasers;
Scheduling;
Follow-up; and
Potential transactions.

Applicable promotional emails will provide an unsubscribe mechanism.

50. Electronic Communications

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

These may include:

Email;
Text messages;
Electronic documents; and
Website notices.

51. Privacy

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

The Privacy Policy is incorporated into these Terms to the extent permitted by law.

52. Independent Decision-Making

Selling real estate can have significant:

Legal;
Financial;
Tax;
Insurance; and
Personal consequences.

You may wish to obtain independent advice from:

An Iowa attorney;
A licensed Iowa real estate professional;
A tax professional;
An accountant;
An insurance professional;
A contractor;
An engineer;
An appraiser;
A housing counselor; or
Another qualified professional.

53. No Professional Advice

Website content does not constitute individualized:

Legal advice;
Tax advice;
Accounting advice;
Financial advice;
Insurance advice;
Construction advice;
Engineering advice;
Appraisal advice;
Mortgage advice; or
Foreclosure advice.

54. No Automatic Brokerage, Agency, or Fiduciary Relationship

Use of the Website does not itself create:

A real estate brokerage relationship;
Seller representation;
Buyer representation;
Agency;
A fiduciary relationship;
A partnership;
A joint venture; or
Employment.

Where Iowa law requires a broker to participate in a wholesale transaction, applicable agency agreements and broker duties control.

55. Acceptable Use

You may not:

Use the Website unlawfully;
Submit fraudulent leads;
Knowingly submit materially false information;
Impersonate another person;
Submit property information without authority;
Attempt unauthorized system access;
Introduce malicious code;
Circumvent security;
Abuse Website forms; or
Violate another person’s rights.

56. Intellectual Property

Unless otherwise stated, the Website and its original:

Text;
Branding;
Graphics;
Photographs;
Videos;
Designs;
Layout; and
Software

are owned by or licensed to Iowa Fire House Buyer.

You may not commercially reproduce or exploit protected Website materials without appropriate authorization.

57. Third-Party Websites and Services

We may link to or integrate with third-party services.

We do not control and are not responsible for third-party:

Content;
Privacy practices;
Security;
Products;
Services;
Representations; or
Conduct.

58. Website Availability

We may modify, restrict, suspend, or discontinue portions of the Website.

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

59. No Guarantee of Transaction

We do not guarantee:

An offer;
Fair-market-value pricing;
Any particular price;
Any particular closing date;
Assignment of a contract;
Availability of a buyer;
Completion of a transaction; or
Any particular financial result.

60. 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 excludes rights that applicable law does not permit to be excluded.

61. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IOWA FIRE HOUSE BUYER 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 purchase, wholesale, brokerage, assignment, foreclosure-related, or other transaction agreement unless that agreement expressly provides otherwise.

62. Independent Third-Party Buyers

To the maximum extent permitted by law, we are not responsible for the independent:

Offers;
Representations;
Valuations;
Contracts;
Financing;
Privacy practices;
Performance; or
Conduct

of an unaffiliated third-party prospective purchaser.

63. Indemnification

To the extent permitted by law, you agree to indemnify Iowa Fire House Buyer and its affiliates from claims arising from:

Your unlawful use of the Website;
Your material breach of these Terms;
Fraudulent information you knowingly submit;
Information knowingly submitted without authority; or
Your violation of another person’s rights.

64. Governing Law

These Terms are governed by the laws of the State of Iowa, except where applicable law requires otherwise.

65. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure-consultant, and transaction-specific requirements, legal proceedings arising solely from Website use or these Terms may be brought in a court of competent jurisdiction in the State of Iowa.

These Website Terms do not impose mandatory arbitration.

Any statutory prohibition on arbitration concerning a covered foreclosure-consultant relationship controls.

A separately executed purchase, brokerage, wholesale, assignment, or other transaction-specific agreement may contain different enforceable dispute provisions.

66. Non-Waivable Iowa Rights

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

Iowa Consumer Fraud Act;
Iowa Consumer Data Protection Act;
Iowa real estate disclosure law;
Iowa residential wholesaling law;
Iowa real estate licensing law;
Iowa foreclosure-consultant law;
Iowa communications law;
Federal mortgage-assistance law;
Federal disclosure law; or
Other applicable law.

67. Transaction Agreements Control

These Website Terms do not replace:

Purchase agreements;
Assignment agreements;
Brokerage or agency agreements;
Wholesale disclosures;
Title or abstract documents;
Closing documents;
Seller property disclosures;
Foreclosure-consultant agreements; or
Other transaction-specific documents.

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

68. Changes to These Terms

We may update these Terms periodically.

Updated Terms become effective when posted or on another effective date identified in the revised Terms, subject to applicable law.

69. 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.

70. No Waiver

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

71. Assignment

You may not assign these Website Terms without our prior written consent.

We may assign these Website Terms in connection with:

A merger;
Acquisition;
Reorganization;
Financing;
Affiliate restructuring; or
Sale of assets,

subject to applicable law.

This Website provision does not determine whether a real estate purchase contract may be assigned.

Assignment of a particular real estate contract is governed by:

That contract;
Iowa law;
Iowa real estate licensing law; and
Iowa’s residential wholesaling requirements where applicable.

72. Entire Agreement Regarding Website Use

These Terms and the Privacy Policy constitute the agreement governing Website use.

They do not supersede separately executed real estate transaction documents.

73. Contact Us

Questions concerning these Terms may be directed to:

Iowa Fire House Buyer
Iowa
United States

Website: iowafirehousebuyer.com

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