Privacy Policy

Effective Date: October 8, 2026
Last Updated: October 8, 2026

I Buy Fire Damaged Homes Oxnard California (“I Buy Fire Damaged Homes Oxnard California,” “we,” “us,” or “our”) respects your privacy.

This Privacy Policy explains how we collect, use, disclose, share, retain, and otherwise process personal information when you visit ibuyfiredamagedhomesoxnardcalifornia.com (the “Website”), submit information concerning real estate, request a cash offer, communicate with us, or otherwise interact with our services.

We operate within the California real estate investment, cash-buyer, property-acquisition, marketing, and related transaction marketplace.

Depending on the property and transaction structure, we may:

• Evaluate property for possible acquisition;
• Make or facilitate a potential cash offer;
• Purchase property directly;
• Work with affiliated or independent investment partners;
• Conduct or arrange inspections and due diligence;
• Coordinate cleanup or property access where agreed;
• Work with title companies, escrow providers, attorneys, contractors, engineers, inspectors, appraisers, insurance professionals, and other transaction participants;
• Acquire contractual or equitable rights;
• Assign contractual rights where legally and contractually permitted;
• Work with licensed California real estate professionals where legally required; or
• Determine that we will not pursue a transaction.

By using the Website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal information:

• Directly from you;
• Automatically through the Website;
• From public records;
• From commercial property and real estate databases;
• From advertising and analytics providers;
• From telecommunications providers;
• From service providers;
• From transaction participants;
• From licensed real estate professionals;
• From affiliates and business partners; and
• From other lawful sources.

2. Information You Provide

When you request an offer, submit a Website form, call us, send an email or text message, or otherwise communicate with us, we may collect information including:

• First and last name;
• Telephone number;
• Mobile telephone number;
• Email address;
• Property address;
• Mailing address;
• Ownership information;
• Authority to act concerning the property;
• Property type;
• Property condition;
• Fire damage;
• Smoke or soot damage;
• Firefighting-water damage;
• Structural damage;
• Roof and foundation damage;
• Electrical damage;
• Plumbing damage;
• Heating and cooling information;
• Occupancy information;
• Tenant information where relevant;
• Repair and restoration information;
• Asking price or pricing expectations;
• Desired selling timeline;
• Reason for considering a sale;
• Mortgage information you voluntarily provide;
• Lien and judgment information;
• Property-tax information;
• Probate or estate information;
• Foreclosure or mortgage-default information;
• Insurance information;
• Insurance-claim information;
• Insurance proceeds voluntarily disclosed;
• Photographs;
• Videos;
• Fire-department reports;
• Inspection reports;
• Engineering or structural reports;
• Environmental or remediation reports;
• Contractor information;
• Repair estimates;
• Permit information;
• Ownership or title documents;
• Preferred communication method;
• Preferred contact time; and
• Other information you voluntarily provide.

The Website’s current lead form specifically requests a property street address, phone number, and email address.

3. Property and Public-Record Information

When you submit a property, we may research it through lawful public and commercial sources.

Information may include:

• Ownership records;
• Ventura County assessment information;
• Property-tax information;
• Recorded deeds;
• Mortgages and deeds of trust;
• Liens;
• Judgments;
• Notices of default;
• Notices of trustee sale;
• Property characteristics;
• Property sales history;
• Estimated values;
• Comparable sales;
• Building permits;
• Electrical, plumbing, mechanical, roofing, and fire-related permits;
• Code-enforcement information;
• Zoning information;
• Court records where lawfully available;
• Probate information;
• Foreclosure information;
• Homeowners-association information;
• Geographic and mapping information;
• Flood information;
• Fire Hazard Severity Zone information;
• Environmental information;
• Property-condition information;
• Real estate market information; and
• Other publicly or commercially available information.

We may combine this information with information you provide.

4. Information Collected Automatically

When you use the Website, we and service providers acting on our behalf may automatically collect:

• Internet Protocol address;
• Browser type;
• Browser settings;
• Operating system;
• Device type;
• Device identifiers;
• Approximate location derived from IP address;
• Referring website;
• Referring advertisement;
• Landing page;
• Pages viewed;
• Links clicked;
• Date and time of Website activity;
• Session information;
• Form interactions;
• Advertising identifiers;
• Marketing-campaign information;
• Lead-source information;
• Conversion information;
• Attribution information; and
• Other technical or Website-usage information.

5. Cookies, Pixels, Analytics, and Advertising Technologies

We may use:

• Cookies;
• Tracking pixels;
• Web beacons;
• Tags;
• Scripts;
• Local storage;
• Analytics technologies;
• Advertising identifiers;
• Conversion tracking;
• Call tracking; and
• Similar technologies.

These technologies may help us:

• Operate and secure the Website;
• Prevent fraud and spam;
• Remember preferences;
• Understand Website use;
• Measure traffic;
• Attribute inquiries to advertising campaigns;
• Measure conversions;
• Evaluate advertising effectiveness;
• Create or measure advertising audiences;
• Support targeted or interest-based advertising;
• Improve the Website; and
• Improve our services.

Third-party providers may process information under their own privacy policies.

6. How We Use Personal Information

We may use personal information to:

• Respond to inquiries;
• Respond to cash-offer requests;
• Research properties;
• Verify ownership;
• Verify authority to sell;
• Evaluate fire, smoke, water, structural, electrical, or other property damage;
• Evaluate property safety and access;
• Review repair and restoration information;
• Review insurance information;
• Evaluate occupancy or tenant matters;
• Estimate property values;
• Estimate repair, cleanup, permit, holding, closing, and resale expenses;
• Determine whether we wish to acquire a property;
• Prepare or communicate potential offers;
• Contact property owners and authorized representatives;
• Schedule calls, walkthroughs, inspections, or appointments;
• Conduct due diligence;
• Facilitate potential transactions;
• Coordinate cleanup or disposal where agreed;
• Coordinate with title companies, escrow providers, attorneys, contractors, inspectors, engineers, appraisers, insurers, and other transaction participants;
• Maintain inquiry and transaction records;
• Follow up regarding submitted properties;
• Operate and improve the Website;
• Conduct analytics;
• Measure marketing performance;
• Advertise our services;
• Prevent fraud, abuse, spam, and security incidents;
• Maintain legal, accounting, tax, and compliance records;
• Enforce agreements;
• Comply with applicable law; and
• Establish, exercise, or defend legal claims.

7. Direct Property Acquisition

The Website presently describes our services as a direct cash-purchase process.

Submitting property information permits us to determine whether we may wish to acquire the property or participate in a potential transaction.

A Website submission does not itself create:

• A binding purchase offer;
• A purchase agreement;
• An agency relationship;
• A fiduciary relationship; or
• An obligation to buy or sell.

8. Affiliates, Investors, and Transaction Partners

Depending on the transaction, we may disclose information to:

• Affiliated acquisition businesses;
• Investment partners;
• Co-investors;
• Prospective assignees;
• Contractors;
• Licensed real estate professionals;
• Title companies;
• Escrow providers;
• Attorneys;
• Inspectors;
• Engineers;
• Appraisers;
• Insurance professionals; and
• Other transaction participants.

Any assignment, wholesaling, referral, brokerage, or other regulated real estate activity will be handled subject to applicable California law.

9. Service Providers

We may disclose information to service providers supporting:

• Website hosting;
• Website forms;
• Customer relationship management;
• Lead management;
• Telephone services;
• Call tracking;
• Call recording where lawful;
• Text messaging;
• Email delivery;
• Marketing automation;
• Advertising;
• Analytics;
• Conversion tracking;
• Property research;
• Data enrichment;
• Cloud storage;
• Cybersecurity;
• Document processing;
• Accounting;
• Legal services; and
• Transaction support.

10. Business Transactions

Information may be transferred or disclosed in connection with an actual or proposed:

• Merger;
• Acquisition;
• Financing;
• Reorganization;
• Affiliate restructuring;
• Sale of assets;
• Bankruptcy; or
• Similar transaction.

11. Legal and Safety Disclosures

We may disclose information where reasonably necessary to:

• Comply with applicable law;
• Respond to legal process;
• Respond to lawful governmental requests;
• Investigate fraud or unlawful activity;
• Protect rights or property;
• Protect another person’s safety;
• Protect our systems;
• Enforce agreements; or
• Establish or defend legal rights.

12. California Online Privacy Protection Act

The California Online Privacy Protection Act (“CalOPPA”) applies to operators of commercial websites and online services that collect personally identifiable information from California consumers.

This Privacy Policy is intended to describe:

• Categories of information collected;
• Categories of third parties to whom information may be disclosed;
• How information is used;
• Privacy-request procedures;
• Tracking practices;
• The effective date of this Policy; and
• How material changes may be communicated.

13. California Consumer Privacy Act

California’s Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”), provides privacy rights to California residents when a business is subject to the statute.

As of October 8, 2026, the CCPA generally applies to a qualifying for-profit business doing business in California that determines the purposes and means of processing personal information and satisfies one or more statutory thresholds, including:

• Annual gross revenue above the adjusted threshold;
• Buying, selling, or sharing personal information of at least 100,000 California consumers or households; or
• Deriving at least 50% of annual revenue from selling or sharing California consumers’ personal information.

The current adjusted annual gross-revenue threshold is $26,625,000.

The inclusion of this section does not represent that I Buy Fire Damaged Homes Oxnard California necessarily meets a CCPA threshold.

Where the CCPA applies, we will comply with applicable requirements.

14. California Consumer Privacy Rights

Where the CCPA applies, qualifying California residents may have rights to:

Know and Access

Request information concerning qualifying personal information collected, used, sold, or shared.

Correct

Request correction of inaccurate qualifying personal information.

Delete

Request deletion of qualifying personal information, subject to statutory exceptions.

Opt Out of Sale or Sharing

Direct a covered business not to sell or share qualifying personal information.

Limit Use of Sensitive Personal Information

Limit qualifying uses and disclosures of sensitive personal information where that statutory right applies.

Non-Discrimination

Receive no unlawful discriminatory treatment for exercising applicable CCPA rights.

15. Sale and Sharing

Under the CCPA, “sale” and “sharing” have specific statutory meanings.

Depending on the circumstances:

• Providing personal information to an independent third party for monetary or other valuable consideration may constitute a sale; and
• Disclosure for qualifying cross-context behavioral advertising may constitute sharing.

Certain disclosures are excluded by statute, including qualifying disclosures to:

• Service providers;
• Contractors;
• Affiliates;
• Consumer-directed recipients; and
• Parties involved in qualifying business transfers.

Where the CCPA applies and we engage in qualifying sale or sharing, we will provide required opt-out mechanisms.

16. Global Privacy Control

Where the CCPA applies, a valid opt-out preference signal such as Global Privacy Control will be processed as required by California law.

17. Notice at Collection

Where required by the CCPA, we will provide legally required notice at or before collection identifying applicable:

• Categories of personal information;
• Processing purposes;
• Retention criteria or periods;
• Sale or sharing practices; and
• Consumer rights.

18. California Privacy Requests

Where required, we will provide methods for submitting qualifying requests to:

• Know;
• Access;
• Correct;
• Delete;
• Opt out of sale or sharing; and
• Limit qualifying uses of sensitive personal information.

We may verify requests as permitted by law.

Consumers will not be required to create an account solely to exercise CCPA rights.

19. Response Timing

Where the CCPA applies, qualifying requests to know, delete, or correct generally will receive a substantive response within 45 days, subject to legally permitted extensions.

Opt-out requests will be handled within the timeframe required by applicable regulations.

20. Authorized Agents

California residents may use authorized agents to submit certain privacy requests.

We may verify the consumer’s identity and the agent’s authority to the extent permitted by law.

21. Sensitive Personal Information

California defines specified data as sensitive personal information, including qualifying:

• Government identifiers;
• Financial-account credentials;
• Precise geolocation;
• Private communications;
• Genetic information;
• Biometric identifiers used for identification;
• Health information;
• Racial or ethnic origin;
• Religious beliefs;
• Union membership; and
• Information concerning sex life or sexual orientation.

Our ordinary property-offer forms are not designed to collect unnecessary highly sensitive information.

Please do not submit unnecessary Social Security numbers, financial passwords, medical records, payment-card credentials, or similar information through ordinary Website forms.

22. Risk Assessments, Cybersecurity Audits, and Automated Decisionmaking

California privacy regulations effective January 1, 2026 impose additional obligations on certain covered businesses.

Depending on a business’s operations, those obligations can include:

• Privacy risk assessments for qualifying higher-risk processing;
• Cybersecurity audits under phased compliance schedules; and
• Consumer protections concerning qualifying automated decisionmaking technology.

Where these requirements apply to our operations, we will comply with them.

23. California Data Brokers

California separately regulates qualifying data brokers.

A data broker generally is a business that knowingly collects and sells personal information concerning consumers with whom it does not have a direct relationship.

A homeowner who directly submits information through this Website ordinarily establishes a direct relationship with us.

If our broader operations independently satisfy California’s data-broker definition, we will comply with applicable:

• Registration;
• Privacy disclosures;
• Delete Act requirements;
• Delete Request and Opt-Out Platform (“DROP”) obligations; and
• Consumer-request requirements.

24. DROP Deletion Requests

Beginning August 1, 2026, qualifying California data brokers generally must access the State’s DROP system at least once every 45 days and process applicable deletion requests within the statutory process.

Where we qualify as a California data broker, we will comply with those requirements.

25. California Shine the Light

If California Civil Code section 1798.83 applies and qualifying personal information is disclosed to third parties for those third parties’ own direct marketing purposes, eligible California residents may request information concerning those disclosures as provided by law.

26. Telephone Communications

If you provide a telephone number, we may use it to communicate concerning:

• Your property;
• Property research;
• Scheduling;
• Inspections;
• Offers;
• Follow-up;
• Potential transactions; and
• Related services.

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

You may request that calls stop.

27. California Call Recording

California generally prohibits intentionally recording a confidential communication without the consent of all parties, subject to statutory exceptions.

Accordingly, if we record a confidential telephone or other communication involving a person in California, our operational practice should:

• Clearly disclose that the communication will or may be recorded; and
• Obtain legally sufficient consent from all participants before recording.

We or providers acting on our behalf may record communications for legitimate purposes such as quality assurance, training, documentation, compliance, fraud prevention, and security.

Where another applicable jurisdiction imposes a stricter requirement, the stricter rule will be followed.

28. Text Messages

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

• Your inquiry;
• Your property;
• Scheduling;
• Inspections;
• Offers;
• Follow-up; and
• Potential transactions.

Where legally required, separate or additional consent will be obtained before regulated automated or marketing texts 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.

29. Email Communications

We may use your email address to:

• Respond to inquiries;
• Communicate concerning your property;
• Provide potential-offer information;
• Schedule calls or visits;
• Send transaction information;
• Follow up; and
• Send promotional communications where permitted.

Applicable promotional emails will include an unsubscribe mechanism.

30. Data Retention

We retain information for as long as reasonably necessary for purposes described in this Privacy Policy.

Relevant factors may include:

• Whether an inquiry remains active;
• Whether property remains of acquisition interest;
• Potential follow-up;
• Whether a transaction occurred;
• Contract requirements;
• Real estate recordkeeping;
• Legal requirements;
• Tax and accounting obligations;
• Fraud prevention;
• Litigation;
• Insurance matters; and
• Legitimate business recordkeeping needs.

Where the CCPA applies, retention practices will also comply with applicable data-minimization and purpose-limitation requirements.

31. Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized:

• Access;
• Acquisition;
• Use;
• Disclosure;
• Alteration;
• Loss; and
• Destruction.

No electronic storage or Internet transmission method can be guaranteed completely secure.

32. California Security Breaches

Where California security-breach law applies, we will investigate suspected unauthorized acquisition of qualifying personal information and provide legally required notices.

California generally requires notice to affected California residents where qualifying unencrypted personal information was acquired, or reasonably believed to have been acquired, by an unauthorized person.

Where notice is provided to more than 500 California residents, a sample copy of the notice generally also must be provided to the California Attorney General.

33. Children

The Website is intended for adults involved in real estate matters.

It is not directed toward children under 13, and we do not knowingly collect personal information online from children under 13 through ordinary property-offer forms.

34. Third-Party Websites and Services

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

We do not control third-party:

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

35. Information About Other People

If you provide information concerning another:

• Property owner;
• Co-owner;
• Heir;
• Family member;
• Personal representative;
• Executor;
• Administrator;
• Trustee;
• Tenant;
• Agent; or
• Other person,

you represent that you have authority or another lawful basis to provide that information.

36. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When changes are made, we will revise the “Last Updated” date.

Where applicable law requires additional notice or consent concerning a material change, we will provide it.

37. Contact Us

Questions, concerns, or privacy requests may be directed to:

I Buy Fire Damaged Homes Oxnard California
Oxnard, California
United States

Website: ibuyfiredamagedhomesoxnardcalifornia.com