DMCA Takedown Notice Policy

1. Zero Balanced Content

Zero Balanced is primarily a financial calculator tool with educational content. We create original content and respect copyright laws.

Original Content

• Financial calculator algorithms and user interface design
• Educational articles and blog posts about financial planning
• Website design, layout, and visual elements
• Documentation and help materials

Third-Party Content

• We use only properly licensed or open-source third-party libraries
• All external resources are used in compliance with their respective licenses
• Any user-generated content is subject to our terms of service
• We do not knowingly host infringing content

2. Filing a DMCA Takedown Notice

If you believe your copyrighted work has been copied in a way that constitutes copyright infringement, you may submit a DMCA takedown notice.

Required Information

Your DMCA notice must include the following information to be considered valid:

• Identification of the copyrighted work: Describe the copyrighted work that you claim has been infringed
• Identification of the infringing material: Identify the material on our site that you claim is infringing and provide sufficient information for us to locate it
• Your contact information: Provide your address and telephone number as required by law
• Good faith statement: Include a statement that you have a good faith belief that the use is not authorized by the copyright owner
• Accuracy statement: Include a statement that the information in your notice is accurate
• Authority statement: Include a statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner
• Physical or electronic signature: Include your physical or electronic signature

Notice Requirements

• Notices must be written in English
• Notices should be specific and identify the exact content in question
• Vague or incomplete notices may not be processed
• False claims may subject you to liability for damages

3. Where to Send DMCA Notices

DMCA notices should be sent to our designated agent for receiving notices of claimed infringement.

Notice Guidelines

• Ensure your notice includes all required DMCA information
• Provide specific identification of the allegedly infringing content
• Include all supporting documentation
• Review our About page for additional guidance

4. Counter-Notification Procedure

If you believe your content was removed in error, you may file a counter-notification.

Counter-Notice Requirements

A valid counter-notification must include:

• Your physical or electronic signature
• Identification of the material that was removed
• A statement under penalty of perjury that the material was removed by mistake or misidentification
• Your name, address, and telephone number
• A statement consenting to jurisdiction of federal court in your district
• A statement that you will accept service of process from the person who filed the original DMCA notice

Counter-Notice Process

• We will forward your counter-notice to the original complainant
• The material may be restored after 10-14 business days
• Restoration depends on whether the complainant files a court action
• We reserve the right to refuse invalid counter-notices

5. Our Response Process

We take DMCA notices seriously and follow a systematic process for reviewing and responding to them.

Initial Review

• We acknowledge receipt of valid DMCA notices within 1-2 business days
• We review notices for completeness and validity
• Incomplete notices will be returned with guidance for resubmission
• We may request additional information if needed

Action Taken

• Valid notices will prompt investigation of the claimed infringement
• Infringing content will be removed or disabled expeditiously
• We will notify the alleged infringer of the notice and removal
• Repeat infringers may have their access terminated

6. False Claims and Misrepresentation

Making false claims in a DMCA notice or counter-notice can have serious legal consequences.

Section 512(f) Liability

• Knowingly making false statements in a DMCA notice may result in liability for damages
• This includes attorney's fees and costs incurred by the alleged infringer
• Consider whether fair use or other exemptions may apply before filing
• Consult with an attorney if you're unsure about your claim

Our Policy

• We reserve the right to ignore notices that appear to be made in bad faith
• Repeated false notices may result in being blocked from our system
• We may provide information to alleged infringers to help them defend against false claims

7. Educational Resources

Understanding copyright law can help prevent inadvertent infringement and false claims.

Copyright Basics

• Copyright protects original works of authorship fixed in a tangible medium
• Ideas, facts, and concepts cannot be copyrighted
• Fair use may permit certain uses of copyrighted material
• Copyright duration varies based on when and how the work was created

Fair Use Considerations

• Purpose and character of the use (commercial vs. educational)
• Nature of the copyrighted work
• Amount and substantiality of the portion used
• Effect of the use on the market for the original work