DMCA and Copyright Policy

Our policy

CalculateInterestPay respects the intellectual property rights of others and expects visitors and contributors to do the same. We respond to clear notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (DMCA), 17 U.S.C. §512. This policy covers content on calculateinterestpay.com.

Where to send notices

Send copyright notices and counter-notices to legal@calculateinterestpay.com. Please write “DMCA Notice” or “DMCA Counter-Notice” in the subject line. A postal address for legal notices is available on request.

Designated agent: we are registering a designated agent with the US Copyright Office. Until registration is complete, please send notices to the address above. We will update this page with the agent’s details once registration is complete.

Before you send a notice

• Consider whether the use may be fair use or otherwise permitted, for example a short quotation with credit, commentary or factual information. Facts, ideas and standard mathematical formulas are generally not protected by copyright.
• Contact us informally at legal@calculateinterestpay.com if you would like to resolve the matter without a formal notice.
• Consider consulting a lawyer if you are unsure whether material infringes your rights.

What a takedown notice must include

Under 17 U.S.C. §512(c)(3), your notice must be in writing and include all of the following:

1. A physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.
2. Identification of the copyrighted work claimed to have been infringed or, if multiple works are covered by a single notice, a representative list of those works.
3. Identification of the material that is claimed to be infringing and that is to be removed or disabled, with information reasonably sufficient to let us locate it, such as the exact URL of each page.
4. Your contact information, reasonably sufficient for us to contact you, such as your name, postal address, telephone number and email address.
5. A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
6. A statement that the information in the notice is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.

If a notice does not substantially include these elements, we may not be able to act on it, but we may contact you to ask for the missing information.

What happens after a valid notice

When we receive a notice that substantially complies with the DMCA, we will:

• act promptly to remove or disable access to the material identified;
• make a reasonable effort to notify the person who provided the material, if we know who that is, and share a copy of the notice with them;
• keep a record of the notice.

What a counter-notice must include

If material you provided was removed or disabled and you believe this happened because of a mistake or misidentification, you may send a counter-notice. Under 17 U.S.C. §512(g)(3), your counter-notice must be in writing and include all of the following:

1. Your physical or electronic signature.
2. Identification of the material that was removed or disabled and the location where it appeared before it was removed or disabled.
3. A statement under penalty of perjury that you have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification of the material.
4. Your name, address and telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located or, if your address is outside the United States, for any judicial district in which CalculateInterestPay may be found, and that you will accept service of process from the person who provided the original notice or that person’s agent.

What happens after a valid counter-notice

When we receive a counter-notice that substantially complies with the DMCA, we will:

• promptly send a copy to the person who sent the original notice and tell them that we will replace the material or stop disabling access to it in 10 business days;
• replace the removed material or stop disabling access to it not less than 10 and not more than 14 business days after we receive the counter-notice, unless we first receive notice that the original complainant has filed an action seeking a court order to restrain the alleged infringement.

Repeat infringers

Where appropriate and in line with the DMCA, we will remove content from and restrict access for anyone who repeatedly infringes others’ copyrights.

False or misleading notices

Under 17 U.S.C. §512(f), any person who knowingly and materially misrepresents that material is infringing, or that material was removed or disabled by mistake or misidentification, may be liable for damages, including costs and attorneys’ fees. Please make sure your notice or counter-notice is accurate.

Other intellectual property concerns

For trademark or other intellectual property concerns that are not covered by the DMCA, email legal@calculateinterestpay.com with details and we will review them. For questions about using our own content, see our Terms of Use.