Terms and Conditions

Effective Date: October 5, 2026
Last Updated: October 5, 2026

These Terms and Conditions (“Terms”) govern your access to and use of missourifirehousebuyer.com (the “Website”) and services offered through the Website by Missouri Fire House Buyer (“Missouri 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 a particular transaction, we may:

• Evaluate a 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 another investor;
• Work with licensed real estate professionals where legally required;
• Enter into a purchase agreement;
• Acquire contractual or equitable rights;
• Assign or novate contractual rights where legally and contractually permitted;
• Engage in a transaction constituting residential wholesaling under Missouri law; 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

Missouri 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 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 wholesaler where applicable;
• A holder of contractual or equitable rights;
• An affiliate or 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;
• Loan-modification provider;
• Foreclosure consultant; or
• Other professional adviser.

3. Lead Generation and Local Buyer Matching

The Website expressly connects some homeowners 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 law.

4. 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 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 Missouri Fire House Buyer or any:

• Cash buyer;
• Investor;
• Contract purchaser;
• Wholesaler;
• Affiliate;
• Acquisition partner;
• Broker; 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.

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 and cooling systems;
• Occupancy;
• Repairs;
• Permits;
• Insurance claims;
• Desired sale timeline;
• Ownership;
• Mortgages;
• Deeds of trust;
• Liens;
• Property taxes;
• Probate;
• Foreclosure;
• Inheritance; and
• Other matters relevant to evaluating a 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 transaction value

is non-binding unless incorporated into a legally enforceable written transaction 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;
• Brokerage expenses;
• Market conditions;
• Risk; and
• Investment return.

No particular offer amount is guaranteed.

10. Binding Transactions

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

Closing may depend on:

• Ownership verification;
• Authority to sell;
• Title review;
• Property access;
• Due diligence;
• Mortgages;
• Deeds of trust;
• Liens;
• Property taxes;
• Applicable disclosures;
• Missouri wholesaling requirements;
• Probate or estate matters;
• Foreclosure status;
• Buyer funding;
• Closing requirements; and
• Other contractual or legal conditions.

11. Missouri Does Not Require One Universal Seller Disclosure Statement

Missouri does not impose one universal state-mandated residential property-condition disclosure statement on every ordinary home seller.

That differs from many states that require virtually every seller to complete a statutory questionnaire.

The Missouri Real Estate Commission has expressly stated that Missouri does not have a mandatory seller’s disclosure statement.

The absence of a universal state form does not authorize fraud, concealment, or false statements.

12. Fire Damage Is Not Subject to a Universal Missouri Fire Form

Missouri does not maintain one statewide statutory fire-damage disclosure form requiring every seller automatically to list:

• Every fire incident;
• Every insurance claim;
• Every repair;
• Every inspection;
• Every contractor invoice;
• Every permit;
• Every engineering report; or
• Every photograph relating to fire damage.

Fire-related disclosure duties can instead arise from:

• Fraud or misrepresentation law;
• Questions or representations in a voluntary seller disclosure;
• A purchase agreement;
• A participating real estate licensee’s duties;
• Federal law;
• Specific Missouri statutes;
• Local code requirements; or
• Other circumstances.

13. Correction of the Website’s “Missouri Code § 55-2501” Claim

The Website currently states that “Missouri Code § 55-2501” requires every property seller to complete a Property Disclosure Statement detailing fire-damage history.

These Terms do not rely on that citation.

Missouri does not have a general statute matching that claim.

The Website’s statement that every Missouri seller must complete a standard disclosure form containing every detail of a fire should be removed or replaced with accurate, qualified language.

14. Correction of Geographic Errors in Current Website Content

The Website’s current Missouri fire-damage article contains references to:

• Boise;
• Coeur d’Alene;
• Twin Falls; and
• Idaho-market examples.

Those are not Missouri locations.

Those references should be removed from Missouri-specific legal and educational content.

The Website should not present out-of-state anecdotes, statistics, or local legal requirements as though they describe Missouri law.

15. Correction of Unsupported Fire-Litigation and Market Claims

The Website currently contains highly specific claims concerning:

• A $47,000 settlement involving an undisclosed garage fire;
• A claim that 73% of property litigation involved incomplete disclosures;
• Fire-damaged properties selling at specific percentage discounts;
• Fire-damage insurance outcomes;
• Repair-return percentages;
• Sale-speed percentages; and
• Other precise market statistics.

These Terms do not adopt those figures as Missouri legal rules or guaranteed outcomes.

Such claims should be removed or independently substantiated before being used in advertising.

16. Licensed Real Estate Professionals Must Disclose Adverse Material Facts

Missouri imposes disclosure duties on licensed real estate professionals.

A seller’s agent generally must disclose to customers adverse material facts actually known or that should have been known by the licensee.

Missouri defines adverse material facts to include matters such as:

• Environmental hazards;
• Physical conditions adversely affecting value;
• Material property defects;
• Material title defects; and
• Material limitations on a party’s ability to perform a contract.

A participating licensee generally is not required to conduct an independent inspection solely to discover unknown adverse material facts.

17. Transaction Brokers

Where a Missouri licensee acts as a transaction broker, the licensee likewise must disclose adverse material facts of which the licensee has actual notice or knowledge.

Nothing in an as-is or cash transaction eliminates a licensee’s independent statutory obligations.

18. Voluntary Seller Disclosure Statements

Although Missouri does not mandate a universal seller disclosure form, a seller may voluntarily provide a disclosure statement or may agree by contract to make specified representations.

If a seller provides such a statement:

• The seller should answer truthfully;
• Known information should not be falsified;
• Material facts should not be intentionally concealed;
• Contractual representations should be accurate; and
• Any required updates should be handled consistently with the governing agreement and applicable law.

19. Specific Missouri Disclosure Requirements

Missouri does impose specific disclosure requirements in certain circumstances even though it lacks a universal seller-condition form.

For example, where a seller knows that real property was used as a site for methamphetamine production, Missouri law requires specified written disclosure.

Other transaction-specific, federal, local, or contractual disclosure requirements may also apply.

20. Federal Lead-Based Paint Disclosure

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

Where applicable, required federal disclosures and information must be supplied.

Nothing on the Website replaces those federal requirements.

21. Fire Damage and Material Property Conditions

Fire, smoke, and firefighting activity may create conditions that can be legally significant, including:

• Structural damage;
• Roof damage;
• Foundation damage;
• Electrical damage;
• Plumbing damage;
• HVAC damage;
• Smoke contamination;
• Water intrusion from firefighting;
• Mold;
• Hazardous materials;
• Chimney or fireplace damage;
• Building-code issues;
• Permit issues;
• Incomplete repairs; and
• Unpermitted alterations.

A seller should not make a false statement concerning such matters or knowingly conceal information where Missouri law or the governing transaction creates a duty to communicate it.

22. Fire and Repair Documentation

Property owners may wish to preserve relevant:

• Fire-department reports;
• Insurance records;
• Photographs;
• Contractor estimates;
• Repair invoices;
• Inspection reports;
• Engineering reports;
• Permit records;
• Environmental reports; and
• Other fire-related records.

Those documents may be useful for:

• Insurance;
• Property valuation;
• Buyer due diligence;
• Repair verification;
• Contract negotiations; and
• Supporting statements concerning property condition.

A recommendation to retain documents does not mean Missouri automatically requires every document to be delivered to every buyer.

23. As-Is Transactions

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

An as-is transaction may mean the purchaser does not require the seller to perform repairs.

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

• Fraud or misrepresentation liability;
• Contractual representations;
• Duties of participating real estate licensees;
• Federal disclosures;
• Title obligations;
• Specific Missouri disclosure requirements;
• Wholesaling protections; or
• Other non-waivable legal duties.

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

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 descriptions reflect possible buyer preferences.

They do not:

• Eliminate applicable legal duties;
• Prevent due diligence permitted under the agreement;
• Authorize fraud or concealment; or
• Override signed transaction documents.

A purchaser may choose to:

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

25. Fast Closing and Similar Advertising Statements

The Website may advertise:

• Offers within approximately 24 hours;
• Closing in approximately 7 to 28 days;
• Flexible closing dates;
• No repairs;
• As-is purchases;
• No real estate-agent commissions;
• No seller fees;
• Buyer-paid closing costs;
• No inspection;
• No appraisal contingency; or
• No financing contingency.

These statements describe potential transaction structures.

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

Actual timing and terms may depend on:

• Property condition;
• Ownership;
• Title;
• Mortgages;
• Deeds of trust;
• Liens;
• Taxes;
• Wholesaling disclosure requirements;
• 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 purchaser agrees to:

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

the actual obligations of the parties are determined by the signed transaction documents and final closing statement.

Website advertising does not override signed transaction documents.

27. Missouri Residential Wholesaling Law

Effective August 28, 2026, Missouri specifically regulates certain wholesaling transactions involving residential real property improved by a building containing one to four dwelling units.

For purposes of this law, a wholesaler generally includes a person or entity that, for compensation or expected valuable consideration, enters into a residential real estate purchase contract either:

• As the grantee and assigns or novates the contract to another person or entity; or
• As the grantor and, without holding legal title to the real property, assigns or novates the contract to another person or entity.

Specified transfers to close relatives or affiliated entities are excluded from the definition.

28. Fourteen-Calendar-Day Advance Wholesaler Disclosure

Where a wholesaler acts as the grantee in a covered transaction, Missouri law requires a separate written disclosure statement to be provided to the record owner not less than fourteen calendar days before entering into the contract transferring the residential real-property interest.

The disclosure must be:

• Separate from the purchase contract;
• Conspicuous;
• Printed in boldface type; and
• At least 12-point font.

The wholesaler cannot enter the binding purchase contract until both the wholesaler and record owner have signed and dated the required disclosure.

29. Required Substance of Missouri Wholesaler Disclosure

The Missouri disclosure tells the property owner, among other things, that:

• The person is acting as a wholesaler;
• The owner is encouraged to seek legal advice;
• The wholesaler acts on the wholesaler’s own behalf and does not represent the owner;
• The wholesaler enters assignable contracts and seeks to assign or sell its interest for profit;
• The wholesaler may assign its contractual interest to a third party before closing;
• The wholesaler may separately charge the third-party buyer for profit; and
• The agreed purchase price may be below market value and is being accepted voluntarily.

Covered transaction documents should follow the current statutory text rather than relying solely on this summary.

30. Cancellation for Missing Wholesaler Disclosure

If a wholesaler acting as a grantee fails to provide the required advance disclosure before entering into the binding contract, the record owner generally may cancel the contract at any time before the close of escrow without penalty.

Where such a cancellation occurs, applicable earnest money paid by the wholesaler must be disbursed to the record owner by the escrow or closing agent as provided by Missouri law.

31. Missouri Wholesaler Rights Are Non-Waivable

The wholesaling protections in Missouri’s 2026 statute may not be modified or waived by an oral or written agreement.

A contractual term executed, modified, or extended after the effective date that attempts to waive statutory protections is null and void to the extent provided by law.

32. Missouri Merchandising Practices Act Enforcement

A violation of Missouri’s residential wholesaler disclosure statute constitutes an unlawful practice under the Missouri Merchandising Practices Act.

A party entering a covered agreement without receiving the legally required disclosure may have a private cause of action.

The Missouri Attorney General also has statutory enforcement authority and may seek remedies including:

• Damages;
• Injunctive relief;
• Attorney fees; and
• Other appropriate relief.

33. Wholesaling Statute Does Not Eliminate Licensing Analysis

Missouri’s new wholesaling statute creates transaction-specific disclosure protections.

It should not be read as a blanket determination that every wholesale, referral, negotiation, or marketing activity may be performed without a real estate license.

Missouri’s ordinary brokerage statute separately regulates activities performed for another for compensation, including:

• Selling or purchasing real estate;
• Negotiating transactions;
• Listing real estate;
• Dealing in options;
• Procuring prospects; and
• Assisting in negotiations.

34. Principal Activity and Owner Exemption

Missouri’s real estate licensing law contains exemptions for specified owners, lessors, lessees, employees, attorneys, fiduciaries, and other persons.

A genuine principal purchaser acquiring and dealing with its own real estate may therefore be situated differently from a person acting on behalf of another for compensation.

The applicable exemption depends on the actual facts and should not be assumed merely from use of the word “investor” or “wholesaler.”

35. Contractual Interest Is Not Legal Title

Holding a purchase agreement, assignment right, option, or equitable interest is different from owning 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 contract holder possesses rights greater than the contract provides.

36. Brokerage Relationships

Where a licensed Missouri real estate broker participates in a regulated capacity, applicable written brokerage agreements and disclosure requirements may apply.

A licensee’s statutory relationship and duties control over generic Website descriptions.

37. Foreclosure and Financial Distress

The Website expressly markets to homeowners who may be:

• Behind on mortgage payments;
• Facing default;
• Facing foreclosure;
• 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 property may be one possible response to financial distress, but it is not necessarily the only available option.

38. Missouri Foreclosure Consultant Law

Missouri regulates foreclosure consultants.

A person can become a covered foreclosure consultant when, for compensation, the person offers or performs services represented as helping an owner to:

• Stop or postpone a foreclosure sale;
• Obtain forbearance;
• Exercise redemption rights;
• Extend a reinstatement period;
• Obtain waiver of an acceleration clause;
• Obtain a loan or advance;
• Avoid or reduce credit impairment resulting from foreclosure;
• Cure default; or
• Save a residence from foreclosure.

The statute applies to specified owner-occupied residential property in foreclosure.

39. Three-Business-Day Foreclosure Consultant Cancellation Right

Where Missouri’s foreclosure-consultant law applies, the owner generally has the right to cancel the consultant contract until midnight of the third business day after signing a compliant contract.

Saturdays, Sundays, and state and national holidays are excluded from the calculation.

The consultant must provide the legally required written contract and cancellation forms.

Nothing in these Terms shortens that statutory right.

40. Foreclosure Consultant Advance-Fee Restrictions

A covered Missouri foreclosure consultant generally may not collect compensation until after the consultant has fully performed all services promised under the contract.

Additional restrictions apply to:

• Excessive loan-related charges;
• Liens used to secure compensation;
• Undisclosed third-party consideration;
• Powers of attorney; and
• Other prohibited conduct.

41. Foreclosure Consultant Cannot Acquire the Client’s Home

A covered foreclosure consultant generally may not acquire an interest in a residence in foreclosure directly from an owner with whom the consultant has contracted.

An interest obtained in violation of that prohibition can be voidable subject to statutory protections for certain bona fide purchasers or encumbrancers.

Accordingly, Missouri Fire House Buyer should not characterize itself as the homeowner’s foreclosure consultant when seeking to acquire the homeowner’s property.

42. Ordinary Purchase Versus Foreclosure Consulting

A bona fide arm’s-length purchase of property is different from providing paid foreclosure-consulting services.

A purchaser should clearly identify itself as acting for its own account and should not promise to:

• Negotiate mortgage terms for the seller;
• Obtain loan forbearance;
• Modify the seller’s mortgage;
• Cure the seller’s default on the seller’s behalf;
• Stop foreclosure as a consulting service; or
• Act as the seller’s foreclosure adviser

unless the service has been separately structured and reviewed for compliance.

43. Missouri Residential Sale Leaseback Protection Act

Effective August 28, 2026, Missouri separately regulates certain residential sale leaseback transactions.

A sale leaseback generally involves a seller transferring residential real estate that is or was the seller’s residence and, as a condition of or part of the same or a related transaction, entering a lease or rental agreement allowing the seller to remain in or reoccupy the property.

This is materially different from an ordinary permanent cash sale.

44. Sale Leaseback Advance Disclosure

For a covered Missouri sale leaseback, the buyer must provide a prescribed single-page disclosure in a clear and conspicuous manner.

The disclosure generally must be provided to the seller at least fourteen calendar days before execution of the sale leaseback agreement.

The disclosure warns the seller that:

• The seller is selling the home;
• The seller will no longer own the home;
• The seller may be evicted for violating lease terms;
• The seller may lose the right to buy the home back;
• Credit, tax, and legal rights may be affected; and
• Independent legal, real estate, housing-counseling, tax, and appraisal advice should be considered.

45. Thirty-Day Sale Leaseback Closing Restriction

For a covered Missouri sale leaseback, there may be no delivery, recording, or other transfer of title until thirty days after execution of the sale leaseback agreement.

The buyer must also provide the seller with a copy of the signed statutory disclosure within the timeframe required by law.

46. Sale Leaseback Rights Are Non-Waivable

The Missouri Residential Sale Leaseback Protection Act provides non-waivable protections.

A violation can result in:

• A civil penalty of up to $10,000 per violation;
• Attorney General enforcement;
• Injunctive relief;
• Restitution;
• Actual damages;
• Additional statutory damages of $10,000 for a harmed seller;
• Attorneys’ fees and costs; and
• Equitable relief.

Accordingly, any sale-plus-continued-occupancy arrangement should be separately reviewed before use.

47. 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 Missouri 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 option.

48. Federal Mortgage-Assistance Rules

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

Those requirements may regulate:

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

49. Probate, Estate, and Inherited Property

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

A transaction may require:

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

50. 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 requirements;
• Proof-of-loss obligations;
• 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.

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 valuable in evaluating a fire-damaged property.

They are not automatically a universal statutory package that every Missouri 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 local governmental requirements.

Applicable requirements vary among Missouri 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

Missouri generally permits recording of a wire communication where the recorder is a party to the communication or one party has given prior consent, unless the interception is for a criminal or tortious 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-consent requirements, additional notice or consent may be required.

Where another applicable law imposes a stricter requirement, we will comply with that rule.

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 receive Website and transaction communications electronically.

These may include:

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

58. Privacy

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

59. Independent Decision-Making

Selling real estate may have significant:

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

You may wish to obtain independent advice from:

• A Missouri attorney;
• A licensed Missouri 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 Missouri real estate professional participates in a regulated capacity, applicable brokerage agreements and statutory duties control.

A covered wholesaler should also clearly identify that the wholesaler acts on its own behalf rather than representing the property owner.

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 Missouri 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, MISSOURI 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, assignment, brokerage, foreclosure-consultant, sale-leaseback, 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 Missouri 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 Missouri, except where applicable law requires otherwise.

72. Venue and Disputes

Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, wholesaling, sale-leaseback, 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 Missouri.

These Website Terms do not impose mandatory arbitration.

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

73. Non-Waivable Missouri Rights

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

• Missouri Merchandising Practices Act;
• Missouri residential wholesaling law;
• Missouri Real Estate Brokers and Salespersons law;
• Missouri foreclosure-consultant law;
• Missouri Residential Sale Leaseback Protection Act;
• Missouri communications-interception law;
• Missouri 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;
• Wholesale disclosures;
• Assignment agreements;
• Brokerage agreements;
• Seller disclosure statements voluntarily or contractually used;
• Foreclosure-consultant agreements;
• Sale-leaseback agreements;
• 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 or novation of a residential purchase agreement is governed by:

• The agreement itself;
• Missouri contract law;
• Missouri’s residential wholesaling statute;
• Missouri real estate licensing law where applicable; and
• Other applicable 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:

Missouri Fire House Buyer
Missouri
United States

Phone: 208-269-2084
Website: missourifirehousebuyer.com