Terms and Conditions

Effective Date: October 1, 2026
Last Updated: October 1, 2026

These Terms and Conditions (“Terms”) govern your access to and use of newjerseyfirehousebuyer.com (the “Website”) and services offered through the Website by New Jersey Fire House Buyer, also operating under the name Sell Fire Damaged House New Jersey (“New Jersey Fire House Buyer,” “we,” “us,” or “our”).

Please read these Terms carefully.

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.

If you do not agree, do not use the Website.

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

Depending on a particular property and market, we may:

Evaluate the property ourselves;
Purchase or seek to purchase the property;
Facilitate a potential cash offer;
Match the seller with a prospective cash buyer;
Refer or route the opportunity to an affiliated or independent investor;
Connect the seller with another prospective purchaser; 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

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

Depending on the particular inquiry, we may act as:

A prospective purchaser;
A real estate investor;
A property-acquisition business;
A marketing or lead-generation platform;
A service connecting property owners with prospective purchasers;
An affiliate or business partner of another investor; or
A combination of these roles.

Unless expressly established in a separate written agreement, we do not act as your:

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

3. No Obligation to Sell

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

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

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

4. No Obligation to Purchase

Submitting property information does not require New Jersey Fire House Buyer or any:

Affiliate;
Cash buyer;
Investor;
Wholesaler;
Acquisition partner;
Property-acquisition company; or
Other prospective purchaser

to:

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

5. Eligibility and Authority

By using the Website or submitting information concerning a property, 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, have an ownership interest, or are authorized to communicate concerning it; and
Your use of the Website complies with applicable law.

If multiple persons own the property, submission by one person does not necessarily establish authority to bind every owner.

6. Property Information

We may request or obtain information concerning:

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

You agree not to knowingly provide materially false, fraudulent, misleading, or unauthorized information.

7. Property Research

When you submit information concerning a property, you authorize us and prospective purchasers evaluating the opportunity to research the property using lawful sources.

Research may include:

Municipal assessor information;
County property records;
Property tax records;
Recorded deeds;
Ownership records;
Mortgage records;
Liens;
Encumbrances;
Court records where legally available;
Probate information;
Foreclosure information;
Building permits;
Zoning information;
Sales history;
Comparable sales;
Estimated property values;
Property characteristics;
Flood-risk information;
Mapping information;
Commercial real estate databases; and
Other publicly or commercially available sources.

8. Matching With Prospective Cash Buyers

The Website may facilitate connections between property owners and prospective cash buyers.

After reviewing property information, we may connect you with an affiliated or independent:

Cash buyer;
Real estate investor;
Property-acquisition company;
Wholesaler;
Investment group;
Redevelopment business;
Contractor;
Acquisition partner; or
Other prospective purchaser.

A prospective purchaser may independently:

Research the property;
Contact you;
Evaluate property condition;
Estimate repairs;
Conduct due diligence;
Determine an offer amount;
Negotiate transaction terms; and
Enter into a transaction with you.

Independent prospective buyers are responsible for their own:

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

Unless otherwise agreed in writing, we do not guarantee the conduct or performance of an independent third-party buyer.

9. Preliminary Offers and Valuations

Any:

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

is non-binding unless expressly made binding in a legally enforceable written agreement.

A preliminary offer may be changed or withdrawn before execution of a binding agreement.

10. Factors Affecting Offers

A prospective offer may take into account:

Current property condition;
After-repair value;
Fire damage;
Smoke damage;
Water damage;
Structural damage;
Property location;
Comparable property sales;
Estimated repair costs;
Estimated renovation costs;
Demolition costs;
Remediation expenses;
Property taxes;
Utilities;
Insurance;
Title expenses;
Closing expenses;
Holding costs;
Market conditions;
Buyer demand;
Investment risk;
Desired investment return;
Mortgages;
Liens;
Occupancy; and
Information discovered through due diligence.

No particular valuation method, formula, price, or offer amount is guaranteed.

11. Binding Real Estate Transactions

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

An actual transaction may be subject to:

Verification of ownership;
Verification of authority to sell;
Attorney review;
Title examination;
Property access;
Inspection or evaluation;
Due diligence;
Confirmation of property condition;
Resolution of mortgages, liens, or encumbrances;
Closing requirements;
Required legal disclosures;
Municipal requirements;
Certificates or inspections where applicable; and
Other conditions stated in the applicable written agreement.

12. Attorney Review and Transaction Documents

New Jersey real estate transactions may involve attorney review, legal counsel, title review, and other transaction-specific legal procedures.

Any rights or obligations arising under an executed real estate contract are governed by that contract and applicable law.

Website descriptions of our process do not override an attorney-review provision, contractual contingency, statutory right, or other legally enforceable transaction requirement.

13. As-Is Property Sales

The Website advertises the possibility of purchasing properties in their present or “as-is” condition.

An as-is transaction may allow a seller to complete a sale without performing repairs requested by a particular purchaser.

However, an as-is provision does not authorize:

Fraud;
Intentional concealment;
Material misrepresentation;
Failure to disclose known latent material defects where disclosure is legally required; or
Avoidance of mandatory statutory disclosures.

The applicable purchase agreement and governing law determine the legal effect of an as-is provision.

14. Known Material Defects and Fire Damage

New Jersey law may require disclosure of known material defects that are not readily observable by a prospective purchaser.

Fire-damaged properties may involve conditions such as:

Structural damage;
Smoke contamination;
Water damage from firefighting;
Mold;
Electrical damage;
Plumbing damage;
HVAC damage;
Roof damage;
Foundation damage;
Hazardous substances;
Environmental conditions;
Permit issues;
Building-code issues;
Insurance claims;
Prior repairs; and
Incomplete or unpermitted work.

An as-is transaction does not authorize a seller to deliberately conceal a known latent material condition.

You are responsible for obtaining appropriate legal advice regarding disclosure duties applicable to your particular transaction.

15. Seller’s Property Condition Disclosure Statement

New Jersey residential transactions may involve a Seller’s Property Condition Disclosure Statement addressing known conditions of the property.

Where a disclosure statement is required by applicable law, contract, regulation, or transaction practice, the seller is responsible for providing materially accurate information to the best of the seller’s knowledge.

Nothing on the Website should be interpreted as eliminating an applicable property-condition disclosure requirement.

16. New Jersey Flood-Risk Disclosure

New Jersey imposes specific flood-risk disclosure requirements in real estate sales.

Where applicable, sellers must provide required flood information before a purchaser becomes legally obligated under the property purchase contract.

Applicable information may include:

Whether the property is located in a FEMA Special Flood Hazard Area;
Whether the property is located in a Moderate Risk Flood Hazard Area;
Known flooding history;
Certain flood-insurance matters; and
Other information required by applicable New Jersey law.

Nothing in an as-is transaction waives legally required flood disclosures.

17. Property Inspections and Due Diligence

The Website may advertise:

“No inspection”;
“No formal inspection”;
As-is purchases;
No financing contingency;
No appraisal contingency; or
Similar streamlined purchasing practices.

These statements describe possible transaction structures.

They do not prevent a particular purchaser from conducting due diligence that is permitted under an applicable agreement.

A buyer may elect to:

Inspect the property;
Review fire reports;
Obtain contractor estimates;
Review structural reports;
Review insurance information;
Review permits;
Review title;
Evaluate environmental conditions; or
Conduct other due diligence.

Actual inspection and due-diligence rights are determined by the applicable written transaction agreement and law.

18. Fast Closing and Similar Advertising Statements

The Website may advertise:

Cash offers within approximately 24 hours;
Closings in approximately 7 days;
Closings in approximately 10 days;
Flexible closing dates;
No repairs;
No real estate-agent commissions;
No seller fees;
Buyer-paid closing costs;
No inspection;
No financing contingency; or
Similar streamlined transaction features.

These statements describe transaction structures that may be available.

They are not guarantees that every seller or property will receive identical terms or timing.

Actual timing and terms may depend on:

Property condition;
Ownership;
Title;
Mortgages;
Liens;
Buyer availability;
Attorney review;
Property access;
Due diligence;
Required disclosures;
Municipal requirements;
Closing requirements; and
Other circumstances.

19. Closing Costs, Fees, and Commissions

Where a prospective purchaser agrees to:

Pay particular closing costs;
Structure a transaction without a listing agent;
Charge no seller commission;
Charge no particular seller fee; or
Pay particular title or settlement expenses,

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

Website statements such as “no fees,” “no commissions,” or “we cover closing costs” do not override the terms of a signed agreement.

20. Foreclosure and Financial Distress

The Website may be used by property owners:

Behind on mortgage payments;
More than 90 days delinquent;
Subject to foreclosure proceedings;
Experiencing financial distress; or
Seeking a rapid sale.

We are not your:

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

unless expressly stated in a separate legally compliant agreement.

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

You may wish to communicate with:

Your mortgage lender or servicer;
A New Jersey attorney;
A HUD-approved housing counselor;
A tax professional; or
Another qualified professional.

21. New Jersey Foreclosure Rescue Fraud Prevention Act

New Jersey regulates certain transactions involving distressed residential property under the Foreclosure Rescue Fraud Prevention Act.

A transaction may be subject to that law when, among other circumstances, it involves qualifying owner-occupied residential property in foreclosure or subject to sufficiently serious mortgage delinquency and a person or business meeting the statutory definition of a distressed property purchaser or foreclosure consultant.

Where the Act applies, it may impose requirements concerning matters including:

Written contracts;
Required contract language;
Business contact information;
Required notices;
Attorney-review warnings;
Cancellation rights;
Timing of deed execution;
Recording of documents;
Disclosures of transaction costs;
Minimum consideration requirements in certain covered transactions;
Mortgage-lienholder notices;
Where a conveyance may be completed;
Restrictions on representations;
Restrictions on acquiring interests in distressed property; and
Other homeowner protections.

A covered distressed property owner may have a statutory cancellation period that extends through the 10th business day after signing certain covered conveyance contracts.

Nothing on the Website is intended to waive or limit rights provided under the Foreclosure Rescue Fraud Prevention Act.

If a transaction is governed by that Act, the statutory requirements control regardless of any inconsistent Website statement or contractual provision.

22. No Foreclosure-Rescue Representations

Unless separately licensed and legally authorized to do so, we do not represent that:

We are acting on behalf of your mortgage lender;
We are acting on behalf of a government agency;
We are acting as your foreclosure adviser;
We can guarantee that foreclosure will be stopped;
We can guarantee modification of your mortgage;
You should stop communicating with your lender; or
You should stop making required payments.

You should independently verify your obligations with your lender, attorney, housing counselor, or other appropriate adviser.

23. Probate and Inherited Property

Submission of an inherited or probate property does not establish that the submitting person has legal authority to sell the property.

A transaction may require:

Executor or administrator authority;
Court authorization;
Probate documents;
Trustee authority;
Consent of heirs;
Appropriate deeds;
Affidavits;
Estate documentation; or
Other proof of authority.

We or a prospective purchaser may require appropriate documentation before completing a transaction.

24. Insurance Claims and Fire-Damage Proceeds

A fire-damaged property may be associated with an active or completed insurance claim.

We do not act as your:

Insurance company;
Insurance agent;
Public adjuster;
Insurance lawyer; or
Insurance adviser

unless expressly agreed in a separate legally compliant agreement.

You are responsible for understanding matters such as:

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

Website information concerning insurance is general information only.

25. Telephone Communications

By providing a telephone number and requesting information or an offer, you authorize us to respond to the inquiry using the contact information provided.

Calls may concern:

Your property;
Your requested cash offer;
Property research;
Scheduling;
Buyer matching;
Follow-up;
Potential transactions; and
Related services.

Where applicable law requires additional consent before use of regulated automated dialing, artificial voice, prerecorded voice, or marketing technology, applicable communications will be subject to those consent requirements.

26. Recording of Communications

New Jersey law generally permits a party to a communication, or a person acting with the prior consent of at least one party, to record a communication subject to applicable limitations.

We or a service provider acting on our behalf may record communications for:

Quality assurance;
Training;
Documentation;
Compliance;
Fraud prevention;
Security; or
Other legitimate business purposes.

Because communications may involve individuals physically located in other jurisdictions, stricter recording laws may apply.

Where required, we will provide additional notice or obtain legally required consent before recording.

27. Text Messages

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

Your inquiry;
Your property;
Scheduling;
Your requested offer;
Buyer matching;
Follow-up;
Potential transactions; and
Related services.

Where required by law, additional consent will be obtained for regulated automated or marketing text communications.

Consent to marketing text messages is not a condition of receiving an offer or selling a property where prohibited by applicable law.

Message and data rates may apply.

Message frequency may vary.

You may request that applicable text messages stop by replying STOP.

28. Email Communications

By providing an email address, you authorize us to respond to your inquiry and communicate concerning:

Your property;
Potential buyers;
Potential offers;
Scheduling;
Follow-up;
Services; and
Potential transactions.

Marketing emails may be sent where permitted by law.

Applicable promotional emails will include a method to unsubscribe.

29. Electronic Communications

By interacting with us electronically, you consent to receive electronic communications where permitted by law.

Electronic communications may include:

Email;
Text messages;
Website notices;
Electronic documents; and
Other digital communications.

30. Privacy

Our collection, use, disclosure, sale, and other processing of personal information is described in our Privacy Policy.

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

31. Independent Decision-Making

Selling real estate can have significant:

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

You are responsible for determining whether a proposed transaction is appropriate for your circumstances.

You may obtain independent advice from:

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

32. No Professional Advice

Nothing on the Website constitutes individualized:

Legal advice;
Tax advice;
Accounting advice;
Financial advice;
Insurance advice;
Construction advice;
Engineering advice;
Appraisal advice;
Foreclosure advice; or
Professional advice concerning the value of a particular property.

33. No Brokerage, Agency, or Fiduciary Relationship

Unless separately agreed in writing, use of the Website does not establish:

A real estate brokerage relationship;
Seller representation;
A buyer-agency relationship;
An agency relationship;
A fiduciary relationship;
A partnership;
A joint venture;
An employment relationship; or
Another professional advisory relationship.

34. Acceptable Use

You may not:

Use the Website for unlawful purposes;
Submit fraudulent leads;
Knowingly submit materially false information;
Impersonate another person;
Submit property information without authority;
Attempt unauthorized access to Website systems;
Introduce malware or harmful code;
Circumvent Website security;
Interfere with Website operations;
Overload Website systems;
Use automated systems to abuse Website forms;
Scrape or systematically extract Website information without authorization; or
Use the Website to violate another person’s rights.

35. Intellectual Property

Unless otherwise stated, the Website and its original content, including:

Text;
Graphics;
Logos;
Photographs;
Videos;
Designs;
Software;
Layout;
Branding; and
Other materials

are owned by or licensed to New Jersey Fire House Buyer and are protected by applicable intellectual-property laws.

You may use Website content for your personal interaction with our services.

You may not reproduce, distribute, publish, sell, modify, commercially exploit, or create derivative works from Website content without appropriate authorization except where permitted by law.

36. Third-Party Names, Logos, and Media References

The Website may display or reference third-party:

Media organizations;
Publications;
Websites;
Platforms;
Companies;
Brands;
Trademarks; or
Logos.

Unless expressly stated otherwise, such a reference does not necessarily indicate sponsorship, endorsement, approval, or affiliation.

Third-party trademarks remain the property of their respective owners.

37. Third-Party Websites and Services

The Website may contain links to or integrations with third-party services.

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

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

Your interaction with a third party is governed by that party’s applicable terms and policies.

38. Website Availability

We may modify, restrict, suspend, or discontinue any portion of the Website at any time.

We do not guarantee uninterrupted, secure, error-free, or continuously available Website access.

39. No Guarantee of Transaction

We do not guarantee:

That every property will receive an offer;
That an offer will equal fair market value;
That an offer will meet your expectations;
That a particular valuation methodology will be used;
That a preliminary offer will remain available;
That an independent buyer will proceed;
That a property will sell;
That a transaction will close;
That closing will occur within an advertised timeframe; or
That you will achieve a particular financial outcome.

40. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF:

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

WE DO NOT WARRANT THAT THE WEBSITE WILL ALWAYS BE:

ACCURATE;
COMPLETE;
AVAILABLE;
SECURE; OR
ERROR-FREE.

Nothing in these Terms excludes rights or warranties that cannot lawfully be excluded.

41. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEW JERSEY FIRE HOUSE BUYER AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM OR RELATING TO YOUR USE OF THE WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM USE OF THE WEBSITE WILL NOT EXCEED $500.

This limitation does not apply to liability that applicable law does not permit to be limited or excluded.

Rights and liabilities arising under a separately executed real estate agreement are governed by that agreement and are not subject to this Website-only liability cap unless expressly provided otherwise.

42. Independent Third-Party Buyers

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

Conduct;
Statements;
Representations;
Valuations;
Pricing decisions;
Offers;
Contracts;
Due diligence;
Privacy practices;
Financial ability;
Performance; or
Failure to perform

of an unaffiliated third-party buyer to whom a property opportunity is referred.

Nothing in this provision excludes liability that applicable law does not permit us to exclude.

43. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless New Jersey Fire House Buyer and its affiliates, owners, officers, employees, agents, and service providers from claims, liabilities, losses, damages, and reasonable expenses arising from:

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

44. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles, except where applicable law requires otherwise.

45. Venue and Disputes

Subject to applicable jurisdiction, venue, and consumer-protection requirements, legal proceedings arising solely from use of the Website or these Terms may be brought in a court of competent jurisdiction located in Hudson County, New Jersey.

These Website Terms do not impose mandatory arbitration.

A separately executed purchase agreement or other transaction-specific contract may contain different dispute-resolution provisions.

Those provisions govern disputes arising from that particular agreement.

46. New Jersey Consumer Protection Rights

Nothing in these Terms is intended to waive rights that cannot legally be waived under applicable:

New Jersey consumer-protection laws;
New Jersey privacy laws;
New Jersey real-estate laws;
Seller-disclosure requirements;
Flood-disclosure requirements;
Foreclosure-protection laws; or
Other applicable law.

Where these Terms conflict with a non-waivable legal right, applicable law controls.

47. Relationship to Purchase Agreements

These Terms govern Website use.

They do not replace:

Real estate purchase agreements;
Assignment agreements;
Option agreements;
Attorney-review agreements;
Title documents;
Closing documents;
Settlement documents; or
Other transaction-specific contracts.

If these Terms conflict with a signed agreement concerning a particular property transaction, the signed transaction agreement controls regarding that transaction.

48. Changes to These Terms

We may revise these Terms from time to time.

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

49. Severability

If a provision is determined to be unlawful, invalid, or unenforceable, it will be enforced to the greatest extent legally permitted or severed as appropriate.

The remaining provisions will remain effective.

50. No Waiver

Failure to enforce a provision does not waive our right to enforce that provision or another provision later.

51. Assignment

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

We may assign these Terms in connection with:

A merger;
Acquisition;
Financing;
Corporate restructuring;
Affiliate restructuring;
Sale of assets; or
Similar business transaction,

subject to applicable law.

52. Entire Agreement Regarding Website Use

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

They do not supersede separately executed real estate transaction documents.

53. Contact Us

Questions concerning these Terms may be directed to:

New Jersey Fire House Buyer / Sell Fire Damaged House New Jersey
1 Exchange Place
Jersey City, NJ 07302
United States

Phone: 862-386-2949
Website: newjerseyfirehousebuyer.com

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