Terms and Conditions

Effective Date: October 6, 2026
Last Updated: October 6, 2026

These Terms and Conditions (“Terms”) govern your access to and use of newhampshirefirehousebuyer.com (the “Website”) and services offered through the Website by New Hampshire Fire House Buyer (“New Hampshire Fire House Buyer,” “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 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 or estate property;
  • Property facing foreclosure;
  • Property subject to liens;
  • Property requiring substantial repairs; and
  • Other residential or investment property.

Depending on the transaction, we may:

  • Evaluate a property ourselves;
  • Purchase or seek to purchase it;
  • Facilitate a possible cash offer;
  • Connect the seller with a local cash buyer;
  • Refer or route the opportunity to another investor;
  • Work with licensed real estate professionals where legally required;
  • Enter into a purchase agreement;
  • Acquire contractual or equitable rights;
  • Assign contractual rights where legally and contractually 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

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

Depending on the transaction, we may act as:

  • A prospective principal purchaser;
  • A real estate investor;
  • A property-acquisition business;
  • A lead-generation service;
  • A service connecting property owners with prospective purchasers;
  • A contract purchaser;
  • A holder of contractual or equitable rights;
  • An affiliate or business partner of another purchaser; or
  • A combination of these roles.

Our precise role depends on the facts and governing written 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;
  • Mortgage lender;
  • Loan-modification provider;
  • Foreclosure consultant; or
  • Other professional adviser.

3. Lead Generation and Local Buyer Matching

The Website expressly connects some property owners with independent local cash buyers.

After reviewing your information, we may introduce or route the property opportunity to one or more prospective purchasers.

Independent prospective purchasers may:

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

Independent purchasers are responsible for their own:

  • Statements;
  • Representations;
  • Offers;
  • Valuations;
  • Contracts;
  • Financing;
  • Licensing obligations;
  • Privacy practices;
  • Performance; and
  • Compliance with applicable law.

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 and is not a real estate purchase agreement.

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 New Hampshire Fire House Buyer or any:

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

to:

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

6. Eligibility and Authority

By using the Website or submitting property information, 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 all owners.

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 and plumbing condition;
  • Roof or foundation condition;
  • Heating systems;
  • Water supply;
  • Septic or sewage-disposal systems;
  • 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 authorize us and prospective purchasers evaluating the opportunity to research the property through lawful public and commercial sources.

8. Preliminary Offers

Any preliminary:

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

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

A preliminary offer may change following due diligence.

9. Illustrative Offer Formula

The Website may describe an offer methodology substantially similar to:

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

That methodology is illustrative.

Actual assumptions may vary concerning:

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

No particular offer amount is guaranteed.

10. 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 review;
  • Property access;
  • Due diligence;
  • Mortgages;
  • Liens;
  • Taxes;
  • Statutory property disclosures;
  • Probate or estate matters;
  • Foreclosure status;
  • Buyer funding;
  • Closing requirements; and
  • Other contractual or legal conditions.

11. New Hampshire Does Not Have the Universal Fire-Damage Disclosure Law Described on the Website

The Website currently states that New Hampshire sellers are governed by “ORS 93.030” and must use a Seller’s Property Disclosure Statement documenting every detail of fire damage.

That is not an accurate statement of New Hampshire law.

“ORS” refers to Oregon Revised Statutes, not New Hampshire law.

New Hampshire instead uses a combination of:

  • Specific statutory seller disclosures;
  • Real estate licensee disclosure duties;
  • Contractual representations;
  • Federal disclosure requirements;
  • Common-law fraud and misrepresentation principles; and
  • Other property-specific requirements.

These Terms do not rely on the Website’s current Oregon-based citations.

12. No Universal New Hampshire Statutory SPDS Requiring Every Fire Detail

New Hampshire does not impose one universal statutory seller-condition questionnaire requiring every private seller automatically to document:

  • Every historical fire;
  • Every scorched area;
  • Every smoke condition;
  • Every repair attempt;
  • Every insurance claim;
  • Every contractor;
  • Every inspection report; or
  • Every photograph concerning the property.

Specific New Hampshire statutory disclosures do apply, and participating real estate licensees have separate duties concerning material conditions actually known to them.

A seller also should not make false statements or intentionally conceal information where applicable law or the governing agreement creates a duty to disclose it.

13. New Hampshire Water-Supply and Sewage-Disposal Disclosures

Before execution of a contract for the purchase and sale of real property containing a building, New Hampshire requires disclosure of specified information concerning:

  • Private water-supply systems;
  • Their location;
  • Malfunctions;
  • Installation date;
  • Most recent water testing;
  • Unsatisfactory tests or testing notations;
  • Sewage-disposal systems;
  • Tank size and system type where applicable;
  • System location;
  • Malfunctions;
  • System age;
  • Recent servicing; and
  • Servicing contractor information.

Where required information is unknown, the seller must state that fact in writing.

14. Additional One-to-Four-Family Residential Disclosures

For property used or proposed to be used as a one-to-four-family dwelling, New Hampshire requires additional written disclosure prior to or during preparation of the purchase offer concerning matters including:

  • Private water supply;
  • Private sewage disposal;
  • Insulation type and location;
  • Whether the property is located in a federally designated flood-hazard zone; and
  • Whether a residential heating-oil underground storage tank is present.

Where information concerning private water, private sewage, or insulation is unavailable, that fact must also be conveyed in writing.

15. Radon, Arsenic, Lead, PFAS, and Flood Notifications

Before execution of a contract concerning real property containing a building, New Hampshire requires the seller or seller’s agent to provide statutory notifications concerning specified environmental and health matters, including:

  • Radon;
  • Arsenic;
  • Lead;
  • PFAS; and
  • Flood-related information.

The purchaser must acknowledge receipt as required by law.

These mandatory notices are different from the broad fire-damage SPDS currently described on the Website.

16. Material Conditions Known to New Hampshire Real Estate Licensees

Where a New Hampshire licensed real estate professional participates, the licensee generally must disclose to a prospective purchaser any:

  • Material physical condition;
  • Material regulatory condition;
  • Material mechanical condition; or
  • Material on-site environmental condition

affecting the subject property of which the licensee has actual knowledge.

That disclosure generally must occur before the prospective purchaser makes a written offer.

The licensee is not required by that provision to conduct an independent investigation merely to discover unknown defects.

17. Fire Damage Can Be a Material Property Condition

Fire damage may create material physical, mechanical, regulatory, or environmental conditions.

Potentially relevant fire-related conditions may include:

  • Structural damage;
  • Roof damage;
  • Foundation damage;
  • Electrical damage;
  • Heating-system damage;
  • Plumbing damage;
  • Smoke contamination;
  • Firefighting-water intrusion;
  • Mold;
  • Lead or asbestos disturbance;
  • Chimney or fireplace damage;
  • Building-code issues;
  • Unpermitted repairs;
  • Incomplete restoration; and
  • Other health or safety concerns.

Where a participating licensee has actual knowledge of a material condition created by a fire, the licensee’s statutory disclosure duties may apply.

18. Correction of the Website’s Oregon-Based Legal Citations

The Website currently cites:

  • ORS 93.030;
  • ORS 30.865;
  • Marion County;
  • Springfield;
  • Lake Oswego;
  • Pacific Northwest references; and
  • A supposed “New Hampshire DCBS.”

Those references are not appropriate New Hampshire legal authority.

The Website should be rewritten so that New Hampshire-specific content relies on actual New Hampshire statutes and agencies.

19. Correction of Unsupported Lawsuit Claims

The Website currently describes purported litigation involving:

  • A $127,000 Marion County Circuit Court award;
  • A $95,000 Springfield lawsuit; and
  • Other precise litigation outcomes.

Those Oregon-oriented examples should not be presented as New Hampshire legal precedent.

These Terms do not adopt those claims.

Any case-specific claim should be independently verified before publication.

20. Correction of Unsupported Market Statistics

The Website also contains precise claims concerning:

  • Fire-related property-value reductions;
  • Inventory percentages;
  • Repair-credit amounts;
  • Insurance-settlement improvements;
  • Percentages of fire-damaged properties sold while claims were pending;
  • Return-on-investment percentages;
  • Investor offer percentages; and
  • Other market outcomes.

These Terms do not represent those figures as legal requirements or guaranteed outcomes.

Any such statistics should be independently substantiated before publication.

21. Fire Reports and Repair Documentation

Fire-department reports, photographs, insurance records, repair estimates, engineering reports, contractor invoices, permits, inspection reports, and remediation records may be useful for:

  • Insurance;
  • Property valuation;
  • Buyer due diligence;
  • Explaining known property conditions;
  • Repair verification;
  • Building-code compliance; and
  • Contract negotiations.

However, New Hampshire does not impose one universal rule requiring every fire-damaged seller automatically to deliver every such document to every purchaser.

Particular documents may nevertheless be required by:

  • The purchase agreement;
  • A municipality;
  • An insurer;
  • A lender;
  • A participating professional;
  • A buyer’s due-diligence request; or
  • Another applicable law.

22. As-Is Transactions

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

An as-is transaction may mean the buyer does not require the seller to make repairs.

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

  • New Hampshire’s statutory property notifications;
  • Private-water or sewage disclosures;
  • Licensee duties concerning known material conditions;
  • Fraud or misrepresentation liability;
  • Contractual representations;
  • Federal disclosures;
  • Foreclosure protections;
  • Title obligations; or
  • Other non-waivable legal duties.

The signed transaction documents and applicable law determine the legal effect of an as-is term.

23. No Universal Repair Requirement

New Hampshire does not impose one statewide rule requiring every fire-damaged home to be fully restored before it can be sold.

A property may potentially be sold in damaged or as-is condition.

However, separate:

  • Building codes;
  • Unsafe-structure requirements;
  • Permit requirements;
  • Utility restrictions;
  • Fire-safety requirements;
  • Insurance requirements;
  • Contract terms; or
  • Local ordinances

may affect the transaction.

24. Inspections and Due Diligence

The Website may advertise:

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

These statements describe possible transaction structures.

They do not:

  • Eliminate legally required disclosures;
  • Prevent due diligence permitted by a purchase agreement;
  • Authorize fraud or concealment; or
  • Override signed transaction documents.

A purchaser may choose to:

  • Inspect the property;
  • Obtain contractor estimates;
  • Obtain structural or engineering evaluations;
  • Review fire reports;
  • Review insurance information;
  • Review permits;
  • Examine title;
  • Test water;
  • Test for radon;
  • Conduct environmental testing; or
  • Perform other due diligence.

25. Fast Closing and Similar Advertising Statements

The Website may advertise:

  • A cash offer within approximately 24 hours;
  • Fast closing;
  • Flexible closing dates;
  • No repairs;
  • As-is purchases;
  • No real estate-agent commissions;
  • No seller fees;
  • Buyer-paid closing costs;
  • No formal inspection;
  • No appraisal contingency; or
  • No financing contingency.

These statements describe transaction structures that may be available.

They do not guarantee identical terms or timing for every property.

Actual timing may depend on:

  • Property condition;
  • Ownership;
  • Title;
  • Mortgages;
  • Liens;
  • Taxes;
  • Statutory disclosure requirements;
  • Water or septic issues;
  • Buyer availability;
  • Property access;
  • Due diligence;
  • Probate or estate matters;
  • Foreclosure status;
  • 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 are determined by signed transaction documents and the final settlement or closing statement.

Website advertising does not override executed transaction documents.

27. New Hampshire Real Estate Licensing

New Hampshire broadly regulates real estate brokerage.

A broker can include a person acting for another for commission or other compensation who performs activities including:

  • Selling or offering to sell real estate;
  • Purchasing or offering to purchase real estate;
  • Negotiating sales or purchases;
  • Listing property;
  • Dealing in real estate options;
  • Advertising brokerage activity;
  • Procuring prospects;
  • Assisting in negotiation; or
  • Charging advance fees to promote the sale or lease of real estate.

Nothing on the Website authorizes unlicensed brokerage activity.

28. Prospective Purchaser Exemption

New Hampshire expressly exempts an unlicensed prospective purchaser, and the prospective purchaser’s regular employees, with respect to property sought to be acquired by that purchaser.

Accordingly, a genuine principal cash buyer seeking to acquire property for its own account may be situated differently from someone providing brokerage services for another.

The exemption depends on the actual facts and activity.

29. Owner Exemption

New Hampshire also exempts an unlicensed owner and the owner’s regular employees with respect to real property actually owned by that owner.

A person reselling real property after acquiring legal title may therefore be differently situated from someone marketing property belonging to another person.

30. Lead Referrals and Prospect Procurement

New Hampshire’s broker definition expressly includes assisting or directing the procurement of prospects calculated to result in a real estate transaction when performed within the statutory brokerage framework.

Because the Website expressly says it connects homeowners with local cash buyers, compensated lead-routing arrangements should be reviewed carefully.

A principal purchase inquiry is not automatically the same as compensated brokerage, but the actual compensation structure and conduct control.

31. Payments to Unlicensed Persons

New Hampshire restricts the payment of brokerage commissions or other valuable consideration to unlicensed persons in regulated brokerage transactions.

Where a licensed broker participates, fees and referral compensation must be structured in compliance with New Hampshire law.

32. Contract Assignments and Wholesaling

As of the effective date of these Terms, New Hampshire does not maintain a separate comprehensive residential-wholesaler registration statute comparable to certain states that have enacted wholesaling-specific licensing or cancellation regimes.

That does not mean every assignment or wholesaling structure is automatically outside real estate regulation.

Relevant factors can include:

  • Whether the person is a genuine prospective principal purchaser;
  • Whether the person owns the underlying property;
  • Whether the person holds only contractual or equitable rights;
  • Whether the contract permits assignment;
  • Whether an option is involved;
  • What exactly is being marketed;
  • Whether another person’s property is being advertised;
  • Whether negotiations occur for another person;
  • Whether prospects are procured for compensation; and
  • Whether the person holds itself out as a broker.

33. Contractual or Equitable Interest Is Not Legal Title

Holding a purchase agreement, option, assignment right, or equitable interest is different from holding legal title.

A person holding only contractual rights should not falsely represent that:

  • The person owns legal title;
  • The person is the deed owner;
  • Title has already transferred;
  • The underlying property belongs to the contract holder; or
  • The person has rights greater than those granted by the agreement.

34. Licensed Person Buying for Own Account

Where a New Hampshire real estate licensee directly or indirectly purchases property for the licensee’s own account or acquires an interest or option, additional written disclosure requirements apply concerning the licensee’s true position.

Applicable licensee disclosures should be made before the offer as required by law.

35. Foreclosure and Financial Distress

The Website expressly markets to homeowners who may be:

  • Behind on mortgage payments;
  • Facing default;
  • Facing foreclosure;
  • Facing execution of a tax deed;
  • Experiencing financial distress; or
  • Seeking a rapid sale.

We are not your:

  • Mortgage lender;
  • Mortgage servicer;
  • Attorney;
  • Financial adviser;
  • Credit counselor;
  • Housing counselor;
  • Mortgage broker;
  • Loan-modification provider;
  • Foreclosure consultant; or
  • Other foreclosure-relief provider

unless a separate legally compliant relationship expressly establishes otherwise.

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

36. New Hampshire Foreclosure Consultant Law

New Hampshire Chapter 479-B specifically regulates foreclosure consultants and pre-foreclosure conveyances.

A foreclosure consulting service can include an effort undertaken for or on behalf of a homeowner to:

  • Delay or prevent loss of a home because of mortgage default;
  • Delay foreclosure;
  • Prevent execution of a tax deed;
  • Receive and distribute money to secured creditors;
  • Contact mortgagees or other secured creditors for the homeowner;
  • Arrange extensions of cure periods;
  • Obtain forbearance;
  • Obtain loan modifications or similar relief; or
  • Provide related foreclosure-assistance services.

An ordinary arm’s-length purchaser should not present itself as the homeowner’s foreclosure consultant unless that relationship has been separately structured for compliance.

37. Foreclosure Consulting Contract

Where Chapter 479-B applies, a foreclosure consultant may not provide covered services until the homeowner executes a compliant foreclosure-consulting contract.

The contract must, among other things:

  • Be provided for review before signing;
  • Be written in the appropriate language where required;
  • Fully describe the services;
  • Fully disclose compensation;
  • Be dated and signed by the homeowner and consultant;
  • Be witnessed and acknowledged by a notary public or justice of the peace;
  • Contain the consultant’s contact information; and
  • Include required cancellation notices.

38. Foreclosure Consulting Contract May Be Cancelled at Any Time

New Hampshire gives a homeowner an unusually strong cancellation right:

A covered foreclosure consulting contract may be cancelled at any time.

Nothing in these Website Terms reduces that right.

39. Foreclosure Consultant Fiduciary Duty and Advance-Fee Restrictions

A covered New Hampshire foreclosure consultant owes a fiduciary duty to the homeowner and may not act contrary to the homeowner’s interest.

A covered consultant generally may not:

  • Collect compensation before fully performing all promised services;
  • Take a lien or other security to secure compensation;
  • Receive undisclosed conflicting third-party consideration; or
  • Engage in other conduct prohibited by Chapter 479-B.

40. Pre-Foreclosure Conveyances

New Hampshire separately regulates certain pre-foreclosure conveyances, meaning qualifying transfers of interests in residences in foreclosure.

A covered pre-foreclosure conveyance cannot transfer an interest unless the homeowner has received the legally required Notice of Loss of Ownership at least 72 hours before executing conveyance documents.

41. Required Pre-Foreclosure Notice

The Notice of Loss of Ownership must contain detailed transaction information including:

  • Purchaser identification and contact information;
  • Property address;
  • Total consideration;
  • Amount actually paid to the homeowner;
  • Transfer date;
  • Remaining or assumed mortgage or lien obligations;
  • Services promised to the homeowner;
  • Any agreement allowing the homeowner to remain in the property;
  • Any repurchase arrangement; and
  • Required cancellation language.

42. Five-Business-Day Pre-Foreclosure Cancellation Right

A homeowner generally has an unconditional right to cancel a covered pre-foreclosure conveyance until midnight of the fifth business day after the later of:

  • The conveyance or transfer of the legal or equitable property interest; or
  • Delivery of all notices required for the pre-foreclosure conveyance.

The cancellation period does not begin until the homeowner has received all legally required notices and documents.

43. No Recording or Transfer During the Cancellation Period

During the statutory pre-foreclosure cancellation period, a covered purchaser generally may not:

  • Record a deed or other title-affecting document;
  • Encumber the property;
  • Transfer the property interest; or
  • Assign the property interest in violation of the statute.

The right to cancel generally expires upon sale of the residence to a third party as provided by law.

44. Repayment Following Cancellation

Where a homeowner cancels a covered foreclosure consulting contract or pre-foreclosure conveyance, the homeowner may have an obligation to repay within the statutory period certain actual funds advanced to stop or delay foreclosure or prevent execution of a tax deed.

Such repayment generally does not include fees or interest charged by the pre-foreclosure purchaser.

The homeowner’s cancellation right may not be improperly conditioned on advance repayment.

45. Foreclosure Consultant Versus Principal Purchaser

Because Chapter 479-B imposes fiduciary obligations on foreclosure consultants, a business attempting to buy the homeowner’s property should be especially careful not to simultaneously claim that it:

  • Represents the homeowner;
  • Acts as the homeowner’s fiduciary;
  • Negotiates the homeowner’s mortgage as the homeowner’s adviser;
  • Will “save” the homeowner from foreclosure as a consulting service; or
  • Provides foreclosure-relief services for compensation

unless the business is separately operating within a legally compliant structure.

46. No Foreclosure-Rescue Guarantees

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

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

47. Federal Mortgage-Assistance Rules

Where a separate activity constitutes mortgage-assistance-relief services under federal law, applicable federal requirements control.

Those rules may regulate:

  • Advance fees;
  • Advertising claims;
  • Required disclosures;
  • Communications with mortgage lenders or servicers; and
  • Consumer acceptance procedures.

48. Probate, Estate, and Inherited Property

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

A transaction may require:

  • Executor or administrator authority;
  • Trustee authority;
  • Probate-court documentation;
  • Participation of heirs or devisees;
  • Appropriate deeds;
  • Affidavits; or
  • Other evidence of authority.

49. Insurance Claims and Fire-Damage Proceeds

A fire-damaged property may involve an open 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 requirements;
  • Proof-of-loss requirements;
  • Claim deadlines;
  • Insurance proceeds;
  • Repair obligations;
  • Mortgage-holder rights;
  • Assignment restrictions;
  • Recoverable depreciation;
  • Policy conditions; and
  • Tax consequences.

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

50. Public Adjusters

The Website currently recommends the use of public adjusters and states a particular percentage fee range and expected benefit.

Those claims should not be treated as guaranteed outcomes.

Public adjusters and insurance professionals are regulated separately, and their fees, services, and potential benefits depend on the actual engagement and applicable law.

51. Insurance Documentation Is Not Automatically a Statutory Seller Package

Fire-department reports, insurance records, photographs, repair invoices, inspection reports, engineering reports, permit records, and contractor estimates may be useful in evaluating a fire-damaged property.

They are not automatically a universal statutory package that every New Hampshire seller must provide to every purchaser.

52. Permits, Building Codes, 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;
  • Environmental requirements; or
  • Other state or local governmental requirements.

Requirements vary among New Hampshire municipalities.

An as-is sale does not waive governmental requirements.

53. 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.

Where legally required, additional consent will be obtained before regulated automated, prerecorded, artificial-voice, or marketing communications are made.

54. Recording of Communications

New Hampshire generally requires the consent of all parties before a private telecommunication or oral communication may be intentionally intercepted or recorded, subject to specific statutory exceptions.

Accordingly, if calls are recorded, operational procedures should provide clear recording notice and obtain legally sufficient consent from all participants before recording.

We or service providers acting on our behalf may record communications only in compliance with applicable law for purposes including:

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

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

55. Text Messages

If you provide a mobile telephone 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, separate or additional consent will be obtained before regulated automated or marketing text communications are sent.

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

Message and data rates may apply.

Message frequency may vary.

Reply STOP to request that applicable messages stop.

56. Email Communications

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

  • Your property;
  • Potential offers;
  • Prospective purchasers;
  • Scheduling;
  • Follow-up;
  • Services; and
  • Potential transactions.

Applicable promotional emails will provide an unsubscribe mechanism.

57. Electronic Communications

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

These may include:

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

58. Privacy

Our collection, use, disclosure, sale, sharing, retention, 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 law.

59. Independent Decision-Making

Selling real estate can have significant:

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

You may wish to obtain independent advice from:

  • A New Hampshire attorney;
  • A licensed New Hampshire real estate professional;
  • A tax professional;
  • An accountant;
  • An insurance professional;
  • A contractor;
  • An engineer;
  • An appraiser;
  • A HUD-approved housing counselor; or
  • Another qualified professional.

60. 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;
  • Foreclosure advice; or
  • Other professional advice.

61. 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 a licensed New Hampshire real estate professional participates in a regulated capacity, applicable brokerage agreements and statutory duties control.

62. Acceptable Use

You may not:

  • Use the Website unlawfully;
  • Submit fraudulent property 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 security;
  • Abuse Website forms;
  • Interfere with Website operations; or
  • Violate another person’s rights.

63. 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 New Hampshire Fire House Buyer.

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

64. Third-Party Websites and Services

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

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

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

65. Website Availability

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

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

66. No Guarantee of Transaction

We do not guarantee:

  • An offer;
  • Fair-market-value pricing;
  • Any particular purchase price;
  • Any specific closing date;
  • Assignment of a contract;
  • Availability of an independent purchaser;
  • Completion of a transaction; or
  • Any particular financial result.

67. 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 or protections that applicable law does not permit to be excluded.

68. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEW HAMPSHIRE 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, assignment, brokerage, foreclosure-consulting, pre-foreclosure-conveyance, or other transaction agreement unless that agreement expressly provides otherwise.

69. 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.

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

70. Indemnification

To the extent permitted by law, you agree to indemnify New Hampshire 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.

71. Governing Law

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

72. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, 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 New Hampshire.

These Website Terms do not impose mandatory arbitration.

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

73. Non-Waivable New Hampshire Rights

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

  • New Hampshire Consumer Protection Act;
  • New Hampshire real property disclosure and notification statutes;
  • New Hampshire Real Estate Practice Act;
  • New Hampshire foreclosure-consultant and pre-foreclosure-conveyance law;
  • New Hampshire consumer privacy law;
  • New Hampshire wiretapping and eavesdropping law;
  • New Hampshire security-breach law;
  • Federal mortgage-assistance rules;
  • Federal disclosure law; or
  • Other applicable law.

74. Transaction Agreements Control

These Website Terms do not replace:

  • Purchase agreements;
  • Assignment agreements;
  • Brokerage agreements;
  • Statutory seller disclosures;
  • Environmental notifications;
  • Foreclosure-consulting contracts;
  • Pre-foreclosure-conveyance notices;
  • Title documents;
  • Closing documents;
  • Insurance-related agreements; or
  • Other transaction-specific documents.

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

75. 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.

76. 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.

77. No Waiver

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

78. 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 particular real estate purchase agreement may be assigned.

Assignment of a real estate purchase agreement is governed by:

  • The agreement itself;
  • New Hampshire contract law;
  • New Hampshire real estate licensing law; and
  • Other applicable legal requirements.

79. 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.

80. Contact Us

Questions concerning these Terms may be directed to:

New Hampshire Fire House Buyer
New Hampshire
United States

Website: newhampshirefirehousebuyer.com