Copyright Information

1. Copyright Ownership

Zero Balanced and all related content, features, and functionality are owned by Zero Balanced, its licensors, or other providers of such material.

Protected Materials

• Website Design: Layout, visual design, graphics, and user interface elements
• Calculator Code: Financial calculation algorithms, formulas, and programming code
• Written Content: Articles, blog posts, help documentation, and instructional materials
• Visual Elements: Logos, icons, images, charts, and graphical representations
• Audio/Video: Any multimedia content, tutorials, or presentations
• Database: Organization and structure of data and information

Copyright Notice

© 2024 Zero Balanced. All rights reserved.

This notice applies to all content and materials on this website unless otherwise specified.

2. Permitted Uses

We grant you a limited, non-exclusive, non-transferable license to use Zero Balanced for personal purposes.

Personal Use Rights

• Use the financial calculator for your personal financial planning
• View and read educational content for your own learning
• Print or save results from your calculations for personal records
• Share links to our website with others (but not copy our content)

Educational Use

• Teachers may reference our content in educational settings with proper attribution
• Students may cite our materials in academic work with proper citations
• Brief quotations may be used for commentary or criticism with attribution
• Educational institutions may link to our content for student reference

Fair Use Considerations

• Brief quotations for review, comment, or news reporting may be permissible
• Attribution to Zero Balanced must be included
• Use should not compete with or substitute for our original service
• Commercial use requires explicit written permission

3. Prohibited Uses

The following uses of our content are strictly prohibited without written permission:

Commercial Restrictions

• Reproducing our calculator or algorithms for commercial use
• Selling or licensing copies of our content
• Creating competing financial planning services using our materials
• Using our content in commercial applications or products

Distribution Restrictions

• Republishing our content on other websites or platforms
• Creating derivative works based on our content
• Modifying, adapting, or altering our materials
• Removing copyright notices or attribution

Technical Restrictions

• Reverse engineering our calculator algorithms
• Scraping or automatically downloading our content
• Bypassing technical protection measures
• Creating mirror sites or unauthorized copies

4. Third-Party Content and Licenses

Some components of Zero Balanced may include third-party content used under appropriate licenses.

Open Source Components

• We use various open-source libraries and frameworks under their respective licenses
• Attribution for open-source components is provided where required
• Open-source licenses do not extend to our proprietary content
• A complete list of third-party licenses is available upon request

Licensed Assets

• Some icons, fonts, or images may be used under commercial licenses
• These licenses do not grant users rights to use such assets independently
• Stock photos or graphics are used under appropriate licensing agreements
• Third-party trademarks remain the property of their respective owners

5. User-Generated Content

Any content you create or submit when using Zero Balanced is subject to the following terms:

Your Content Rights

• You retain ownership of any personal financial data you input
• Your calculation results and personal financial plans remain yours
• We do not claim ownership of your financial information
• You can delete or modify your data at any time

License Grant

• By using our service, you grant us a license to process your data for calculation purposes
• This license is limited to providing our service functionality
• We do not store or retain your personal financial data
• All processing occurs locally in your browser

6. Reporting Copyright Violations

We take copyright infringement seriously and respond to valid notices under the DMCA.

If Your Rights Are Infringed

• Review our DMCA Policy for detailed procedures
• Ensure you have valid copyright ownership or authority to act
• Provide all required information for a valid DMCA notice
• Include specific identification of the infringing content

False Claims Warning

• Making false copyright claims may result in liability for damages
• Consider fair use and other exemptions before filing a claim
• Consult with legal counsel if you're uncertain about your rights
• We may provide information to help users defend against false claims

7. International Copyright Considerations

Copyright laws vary by country, but our content is protected in jurisdictions where we operate.

Global Protection

• Copyright protection exists automatically upon creation in most countries
• International treaties provide copyright protection across borders
• Respect for intellectual property is expected regardless of local laws
• Different countries may have varying fair use or fair dealing provisions

Compliance Expectations

• Users should comply with copyright laws in their jurisdiction
• When in doubt, seek permission before using copyrighted material
• Educational and personal use exceptions vary by country
• Commercial use typically requires explicit permission everywhere

8. Updates to This Policy

We may update this copyright information to reflect changes in our content or legal requirements.

• Updates will be posted on this page with a new "last updated" date
• Material changes will be highlighted for user attention
• Continued use of our service constitutes acceptance of updated terms
• We encourage periodic review of this copyright information