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 minnesotafirehousebuyer.com (the “Website”) and services offered through the Website by Minnesota Fire House Buyer (“Minnesota 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 subject to a contract for deed;
• 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 a seller with a local cash buyer;
• Refer or route an 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 purchaser is interested.

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

2. Our Role

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

Depending on a particular transaction, we may act as:

• A prospective principal purchaser;
• A real estate investor;
• A property-acquisition business;
• A marketing or lead-generation service;
• A service connecting sellers 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 agreements.

Unless separately and lawfully established, 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;
• Appraiser;
• Fiduciary;
• Housing counselor;
• Mortgage broker;
• Debt-management provider;
• Foreclosure solicitor;
• Foreclosure consultant; or
• Equity purchaser in a property reconveyance.

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, 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 Minnesota 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 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 systems;
• Occupancy;
• Repairs;
• Permits;
• Insurance claims;
• Desired sale timeline;
• Ownership;
• Mortgages;
• Contracts for deed;
• Liens;
• Association liens;
• Property taxes;
• Probate;
• Foreclosure;
• Tax forfeiture;
• 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 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 formula is illustrative.

Actual assumptions may vary concerning:

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

No particular offer is guaranteed.

10. Binding Transactions

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

Closing may depend on:

• Ownership verification;
• Authority to sell;
• Title review;
• Property access;
• Due diligence;
• Mortgages;
• Contracts for deed;
• Liens;
• Property taxes;
• Seller disclosures;
• Radon disclosures;
• Probate or estate matters;
• Foreclosure status;
• Buyer funding;
• Closing requirements; and
• Other contractual or legal conditions.

11. Minnesota Residential Seller Disclosure Law

Minnesota generally requires written seller disclosure in transfers of residential real estate, subject to statutory exemptions and a permitted written waiver.

The requirements apply to transfers including:

• Sales;
• Exchanges;
• Deeds;
• Contracts for deed;
• Leases with options to purchase; and
• Other options.

12. Material Facts Must Be Disclosed

Before signing an agreement to sell or transfer covered residential real estate, the seller generally must make a written disclosure to the prospective buyer.

The disclosure must identify material facts known to the seller that could adversely and significantly affect:

• An ordinary buyer’s use and enjoyment of the property; or
• An intended use of the property of which the seller is aware.

The disclosure must be made:

• In good faith; and
• Based on the best of the seller’s knowledge at the time.

13. Fire Damage Can Be a Material Fact

Fire, smoke, firefighting, and restoration activity can create material facts requiring disclosure.

Potentially relevant conditions may include:

• Structural damage;
• Roof damage;
• Foundation damage;
• Electrical damage;
• Heating-system damage;
• Plumbing damage;
• Smoke contamination;
• Firefighting-water damage;
• Mold;
• Hazardous materials;
• Chimney or fireplace damage;
• Building-code issues;
• Permit issues;
• Incomplete repairs;
• Unpermitted repairs; and
• Other conditions affecting the property’s use or enjoyment.

Whether a particular historical fire must be disclosed depends on the facts and whether the known information satisfies Minnesota’s materiality standard or another legal duty.

14. Correction of the Website’s “Minnesota Code § 55-2501” Claim

The Website currently states that “Minnesota 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.

Minnesota’s applicable general residential seller-disclosure framework is found principally in Minnesota Statutes sections 513.52 through 513.60.

The actual Minnesota statute requires disclosure of material facts known to the seller that could adversely and significantly affect the buyer’s use or enjoyment or a known intended use.

15. No Requirement to Disclose “Every Detail”

The Website also states that the standard Minnesota disclosure must capture every detail concerning a prior fire and suggests mandatory delivery of:

• Professional inspection reports;
• Complete repair documentation;
• Insurance files;
• Contractor invoices;
• Photographs;
• Building certificates;
• Environmental reports; and
• Other historical fire documents.

These Terms do not adopt that statement as a universal legal requirement.

Minnesota’s general disclosure law focuses on material facts known to the seller.

A particular document may nevertheless be:

• Required by contract;
• Provided by a qualified third party;
• Requested during due diligence;
• Material to explaining a known condition;
• Required by an insurer;
• Required by a local authority; or
• Required under another law.

16. Qualified Third-Party Reports

Minnesota law allows a seller, in specified circumstances, to satisfy disclosure responsibilities concerning information contained in a written report prepared by a qualified third party and provided to the prospective buyer.

This can include appropriate information supplied by professionals such as:

• Inspectors;
• Engineers;
• Contractors;
• Environmental professionals; or
• Other qualified experts.

Use of a third-party report does not mean every fire-damaged transaction requires every type of professional report.

17. Written Waiver of General Seller Disclosure

Minnesota allows the seller and prospective buyer to agree in writing to waive the general written disclosure required under sections 513.52 through 513.60.

Accordingly, a properly documented investor or as-is transaction may use a written statutory disclosure waiver when legally appropriate.

However, such a waiver does not waive, limit, or eliminate disclosure obligations created by other laws.

A Website submission by itself does not constitute a statutory disclosure waiver.

18. Radon Disclosure Is Separate

Minnesota separately requires residential sellers to comply with statutory radon-disclosure requirements.

Before signing an agreement to sell or transfer applicable residential real property, the seller generally must disclose:

• Whether radon testing has occurred;
• Known radon concentrations;
• Current radon test reports and records;
• Radon mitigation or remediation information;
• Information concerning an installed radon mitigation system; and
• The statutory radon warning statement.

The seller also generally must provide the Minnesota Department of Health publication concerning radon in real estate transactions.

The ordinary written waiver of the general seller disclosure should not be treated as automatically eliminating separate radon obligations.

19. Amendment Before Closing

If a seller learns that the seller’s disclosure under Minnesota law was inaccurate, the seller generally must notify the prospective purchaser:

• In writing;
• As soon as reasonably possible; and
• In all events before closing.

Failure to provide a required amendment can create statutory liability.

20. Liability for Nondisclosure

A seller who fails to make a required disclosure while aware of material facts concerning the property may be liable to the buyer.

Available remedies can include:

• Damages; and
• Other equitable relief determined by a court.

A statutory action under Minnesota’s general seller-disclosure provision generally must be commenced within two years after closing or transfer.

Separate claims for:

• Fraud;
• Negligent misrepresentation; or
• Other legally available causes of action

may also exist.

21. Limits on Seller Liability

Minnesota’s statutory framework generally does not make a seller liable under the disclosure chapter for:

• Information outside the seller’s personal knowledge;
• Certain information accurately transmitted from qualified third parties when ordinary care was used;
• Conditions discoverable only through inaccessible inspection; or
• Conditions requiring technical expertise beyond the seller’s knowledge.

These protections do not authorize intentional concealment or fraud.

22. Statutory Exemptions

Minnesota’s general residential disclosure law contains exemptions for specified transfers.

Depending on the circumstances, exempt transfers include certain:

• Gratuitous transfers;
• Court-ordered transfers;
• Government transfers;
• Foreclosures;
• Deeds in lieu of foreclosure;
• Transfers to heirs or devisees;
• Transfers between co-owners;
• Transfers to specified close family members;
• Divorce-related transfers;
• Newly constructed uninhabited property;
• Transfers to a tenant already in possession; and
• Certain common-interest-community transactions.

An exemption should not be assumed without reviewing the specific transaction.

23. 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:

• Minnesota seller-disclosure duties unless an applicable written waiver is properly used;
• Separate radon-disclosure requirements;
• Fraud or misrepresentation liability;
• Contractual representations;
• Federal disclosures;
• Title obligations; or
• Other non-waivable legal duties.

24. No Mandatory Repairs Merely Because Property Was Fire Damaged

Minnesota’s seller-disclosure statutes do not create a universal requirement that every fire-damaged property be completely repaired before sale.

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

However, separate:

• Building codes;
• Unsafe-building orders;
• Utility requirements;
• Permit rules;
• Insurance requirements;
• Financing conditions; or
• Contract terms

may affect the transaction.

25. 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 transaction structures.

They do not:

• Override required disclosures;
• Prevent due diligence permitted by the purchase 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;
• Test for radon;
• Conduct environmental testing; or
• Perform other due diligence.

26. Fast Closing and Similar Advertising Statements

The Website may advertise:

• Cash offers within approximately 24 hours;
• Closing in approximately 7 to 14 days;
• 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 potential transaction structures.

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

Actual timing may depend on:

• Property condition;
• Ownership;
• Title;
• Mortgages;
• Contracts for deed;
• Liens;
• Property taxes;
• Seller-disclosure requirements;
• Radon disclosure;
• Buyer availability;
• Property access;
• Due diligence;
• Probate or estate matters;
• Foreclosure status;
• Closing requirements; and
• Other circumstances.

27. 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 the signed transaction documents and final closing statement.

Website advertising does not override executed transaction documents.

28. Minnesota Real Estate Licensing

Minnesota generally defines a real estate broker as a person who, for another and for a commission, fee, or other valuable consideration, performs or offers to perform regulated activities including:

• Listing;
• Selling;
• Exchanging;
• Buying;
• Renting;
• Managing;
• Negotiating sales;
• Negotiating purchases;
• Negotiating options; and
• Advertising or holding oneself out as engaged in such activity.

Nothing on the Website authorizes unlicensed brokerage activity.

29. Principal Purchaser Versus Broker

A person buying property genuinely for that person’s own account is not in the same legal position as a person performing brokerage services for another.

Whether a particular activity constitutes principal investment or regulated brokerage depends on the actual facts, including:

• Who owns or holds the relevant interest;
• On whose behalf negotiations occur;
• How the property or contractual interest is advertised;
• Who receives compensation;
• Whether the person acts for another; and
• Whether a statutory exemption applies.

30. Minnesota Does Not Have a Separate Comprehensive Wholesaler Registration Statute

As of the effective date of these Terms, Minnesota does not maintain a separate comprehensive residential-wholesaler registration regime comparable to the specialized wholesaling statutes enacted in some other states.

That does not mean every contract-assignment or wholesaling structure is automatically exempt from Minnesota real estate licensing law.

31. Contract Assignments and Equitable Interests

A valid real estate purchase agreement may include assignable contractual rights depending on:

• The language of the agreement;
• Applicable law;
• Required consents;
• The nature of the transaction; and
• Other contractual limitations.

Holding contractual or equitable rights is different from holding legal title.

A contract purchaser should not falsely represent that:

• It owns the underlying property;
• It is the deed owner;
• Title has already transferred; or
• It possesses rights greater than the contract provides.

32. Marketing Another Person’s Property

A business should distinguish marketing its own bona fide contractual interest from:

• Listing another person’s property;
• Negotiating another person’s sale;
• Holding itself out as the owner’s broker;
• Procuring a buyer for another in exchange for regulated compensation; or
• Advertising property as though the advertiser owns legal title when it does not.

Where the activity constitutes brokerage under Minnesota law, appropriate licensure is required.

33. Certain Property-Resale Activities Have Specific Exceptions

Minnesota’s real estate licensing law contains specified exceptions for certain persons and activities.

For example, the statute contains an exception relating to specified persons who acquire real estate for construction and resale, subject to conditions including a transaction limit.

Those specialized exceptions should not be treated as universal exemptions for every investor, wholesaler, assignor, or lead-generation business.

34. Licensed Real Estate Professionals

Where a Minnesota licensed broker or salesperson participates in a regulated capacity, separate obligations can apply concerning:

• Representation;
• Agency disclosure;
• Advertising;
• Trust funds;
• Offers;
• Conflicts of interest;
• Brokerage agreements; and
• Professional conduct.

Applicable written brokerage agreements and Minnesota law control.

35. Foreclosure and Financial Distress

The Website markets to homeowners who may be:

• Behind on mortgage payments;
• Facing foreclosure;
• Facing tax forfeiture;
• Facing termination of a contract for deed;
• Behind on association dues;
• 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;
• Debt-management provider;
• Foreclosure solicitor;
• Loan-modification provider; or
• Foreclosure consultant

unless a separate legally compliant relationship expressly establishes otherwise.

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

36. Minnesota Mortgage Foreclosure Protection Law

Minnesota Chapter 325N contains extensive protections for owners of certain distressed residences.

The law covers specified residences where there is delinquency or default involving:

• A mortgage or other loan secured by the residence;
• Property taxes;
• Contract-for-deed payments;
• Common-interest-community or master-association dues; or
• Other debt secured by or attached to the residence.

The exact application depends on the property, owner’s occupancy, nature of the default, services offered, and transaction structure.

37. Foreclosure Solicitor Services

A person may become a covered foreclosure solicitor when, for compensation, the person offers or provides services represented as helping the owner to:

• Stop or postpone foreclosure;
• Stop a tax-forfeiture sale;
• Stop termination of a contract for deed;
• Obtain forbearance;
• Cure a default;
• Exercise redemption or reinstatement rights;
• Negotiate with creditors or servicers;
• Save the residence; or
• Provide related foreclosure-avoidance assistance.

An ordinary permanent purchase of property is not automatically a solicitor service merely because the seller is financially distressed.

38. Three-Business-Day Solicitor Cancellation Right

Where Minnesota’s foreclosure-solicitor provisions apply, the owner generally may cancel the solicitor contract until midnight of the third business day after signing a compliant contract.

Nothing in these Website Terms reduces that statutory right.

39. Foreclosure Solicitor May Not Acquire the Client’s Residence

Minnesota imposes substantial restrictions on covered foreclosure solicitors.

Among other things, a covered solicitor generally may not acquire, directly or indirectly or through an affiliate, an interest in the covered residence from an owner with whom the solicitor has contracted.

Accordingly, Minnesota Fire House Buyer should not characterize itself as the seller’s foreclosure consultant or solicitor while simultaneously seeking to purchase the seller’s home.

40. Property Reconveyance Is Different From an Ordinary Permanent Sale

Minnesota separately regulates a “property reconveyance.”

A property reconveyance generally involves:

• Transfer of title or creation of an interest allowing another person to obtain title during a relevant foreclosure, tax, contract-for-deed, or lien-default period; and
• A subsequent transfer or promise to transfer an interest back to the owner that permits the owner to remain in possession.

Examples may include certain:

• Sale-leaseback arrangements;
• Lease-option arrangements;
• Repurchase agreements; and
• Contracts for deed returning an interest to the former owner.

An ordinary bona fide sale where the homeowner permanently sells the property and does not receive a promised interest back is materially different.

41. Property Reconveyance Contract Requirements

Where Minnesota’s property-reconveyance provisions apply, the equity purchaser must use a detailed written contract.

The contract must satisfy statutory requirements concerning matters including:

• Type size;
• Language;
• Purchaser identity;
• Business address;
• Telephone number;
• Property address;
• Total consideration;
• Payment terms;
• Services promised;
• Possession;
• Any agreement allowing continued occupancy;
• Cancellation notices; and
• Other mandatory contract terms.

42. Five-Business-Day Property Reconveyance Cancellation Right

For a covered property reconveyance, the owner generally has the right to cancel until the earlier of:

• Midnight of the fifth business day following the day the owner signs a compliant contract; or
• 8:00 a.m. on the final day of the applicable redemption period.

Nothing in these Website Terms shortens that period.

43. No Deed During Cancellation Period

Where Minnesota’s property-reconveyance provisions apply, the equity purchaser generally may not, before the cancellation period expires:

• Obtain or induce execution of a conveyance instrument;
• Record a conveyance;
• Transfer an interest to a third party; or
• Encumber the residence contrary to the statute.

44. Ability-to-Pay Requirement for Reconveyance

Before entering a covered property reconveyance, the equity purchaser must satisfy Minnesota requirements concerning the owner’s reasonable ability to perform the later reconveyance arrangement.

For applicable arrangements, this may include analysis of:

• Housing expenses;
• Personal debt obligations;
• Income; and
• Supporting documentation.

A seller should not be placed into a purported repurchase or lease-option arrangement that the seller cannot reasonably afford.

45. Independent Closing for Covered Reconveyance

Where required by Chapter 325N, a covered property reconveyance involving a deed or mortgage must use an independent closing agent meeting Minnesota’s statutory requirements.

46. Eighty-Two Percent Equity Protection

Minnesota’s property-reconveyance law contains significant homeowner-equity protections.

If title is not ultimately reconveyed to the owner, the equity purchaser may be required to ensure that the owner receives consideration totaling at least 82% of the property’s fair market value, subject to the statute’s detailed calculation, timing, appraisal, resale, and expense rules.

This specialized requirement applies to covered property reconveyances, not automatically to every ordinary permanent cash purchase from a distressed owner.

47. Equity Purchaser May Not Pose as the Seller’s Adviser

In a covered property reconveyance, an equity purchaser may not falsely represent that the purchaser:

• Acts as the owner’s adviser or consultant;
• Acts on the owner’s behalf;
• Holds a license or certification the purchaser does not have;
• Is helping the owner “save the house” when that representation is prohibited; or
• Is preventing foreclosure when the transaction instead results in loss of ownership without redemption.

False, deceptive, or misleading representations are prohibited.

48. 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 Minnesota or federal government;
• We guarantee foreclosure will stop;
• We guarantee a loan modification;
• We will negotiate your mortgage for you;
• You should stop contacting your lender;
• You should stop making legally required payments; or
• Selling your property through us is your only available option.

49. 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 lenders or servicers; and
• Consumer acceptance procedures.

50. 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.

51. 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 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.

52. 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 Minnesota seller must provide to every purchaser.

53. 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.

Applicable requirements vary among Minnesota municipalities.

An as-is sale does not waive governmental requirements.

54. 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.

55. Recording of Communications

Minnesota generally permits recording of a wire, electronic, or oral communication where the recorder is a party to the communication or one party has given prior consent, provided the interception is not 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 rules, additional notice or consent may be required.

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

56. 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.

57. 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.

58. 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.

59. 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 applicable law.

60. 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 Minnesota attorney;
• A licensed Minnesota 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.

61. 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.

62. 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 Minnesota real estate professional participates in a regulated capacity, applicable brokerage agreements and statutory duties control.

63. 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.

64. 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 Minnesota Fire House Buyer.

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

65. 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.

66. Website Availability

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

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

67. 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.

68. 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.

69. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MINNESOTA 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-related, property-reconveyance, or other transaction agreement unless that agreement expressly provides otherwise.

70. 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.

71. Indemnification

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

72. Governing Law

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

73. 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 Minnesota.

These Website Terms do not impose mandatory arbitration.

Nothing in these Terms overrides any Minnesota statute that makes an arbitration provision void or voidable in a covered foreclosure-related transaction.

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

74. Non-Waivable Minnesota Rights

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

• Minnesota Consumer Fraud Act;
• Minnesota residential property-disclosure law;
• Minnesota radon-disclosure law;
• Minnesota Real Estate Brokers and Salespersons law;
• Minnesota Consumer Data Privacy Act;
• Minnesota mortgage-foreclosure protections;
• Minnesota communications-interception law;
• Federal mortgage-assistance rules;
• Federal disclosure law; or
• Other applicable law.

75. Transaction Agreements Control

These Website Terms do not replace:

• Purchase agreements;
• Assignment agreements;
• Brokerage agreements;
• Seller disclosures;
• Radon disclosures;
• Property-reconveyance contracts;
• 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.

76. 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.

77. 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.

78. No Waiver

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

79. 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;
• Minnesota contract law;
• Minnesota real estate licensing law; and
• Other applicable requirements.

80. 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.

81. Contact Us

Questions concerning these Terms may be directed to:

Minnesota Fire House Buyer
Minnesota
United States

Website: minnesotafirehousebuyer.com