DMCA COPYRIGHT POLICY
Roxanne Cullar respects intellectual property. If you believe content here infringes your copyright, tell us and we will act quickly.
How to file a notice
Email contact us with the subject DMCA NOTICE. Include the exact page URL, a description of the copyrighted work, proof that you own or represent it, and your full contact details. Anonymous tips without evidence cannot be processed.
What happens next
Valid notices are reviewed within three business days. Infringing material is removed or disabled first and questions follow, because a rights holder deserves a quick response. We then tell the contributor where we can and record the action taken.
Counter notices
If you believe material was removed by mistake, reply with your full name, address and consent to the jurisdiction of a court. We forward the counter notice to the complainant and restore content within ten business days unless they file court action.
What we publish
Text, charts and illustrations on this site are made by our contributors, licensed with permission or credited to their source. We do not scrape images from shops, banks or insurers. If you spot a file that is yours and was used in error, tell us and we will remove it while we check.
Our own work
The text, layout and original graphics on Roxanne Cullar are protected too. You may quote short passages with credit and a link back, but republishing whole guides or reselling them is not allowed without written permission.
Fair use
We support fair use for comment, news, criticism and teaching, and we apply the same standard to our own writing. A takedown request that ignores fair use, or that targets a competitor rather than a copyright, is not a valid notice.
Timeframes
Day one, we log the notice. By day three we have removed or disabled the material or explained why not. Within ten business days we confirm permanent removal or restore the file after a valid counter notice.
What counts as infringement
Copying a photograph, chart or article without permission can infringe even if you found it through a search engine. Changing a few words or adding a filter usually does not make a work new. When in doubt, ask before you reuse.
Repeat policy
Contributors and accounts that infringe more than once are removed. We keep a record of each notice and its outcome so the same issue cannot quietly return months later.
False claims
A notice sent in bad faith can harm a small publisher, so we ask for proof of ownership. If a claim is clearly baseless, we may reject it, restore the content and note what happened.
Limits of this policy
This page explains our process in plain words. It is not legal advice for your own dispute, and if a case becomes a court matter we will take advice from a qualified lawyer.
Background: the basics of copyright.
Roxanne Cullar. CLEAR MONEY AND BUSINESS EXPLANATIONS. Questions? See our contact page or about page.