Copyright, DMCA and Trademarks

1. What Banrox Owns

The Banrox websites, applications, software, page designs, graphics, editorial content, guides, articles, methodology, and the selection, arrangement and compilation of the rate, product and directory data are owned by Banrox Inc. or its licensors and are protected by United States and international copyright and database law.

BANROX, the Banrox logo, Squad Card, Privacy Protect, Debt Navigator, and Documents Lab are trademarks or service marks of Banrox Inc., whether or not a registration symbol appears next to them. Nothing on this site grants you a licence to use them.

You may read, print and save pages for your own personal, non-commercial use, and you may quote a short extract with attribution and a link. Everything else needs written permission. Scraping, bulk copying, republishing, reselling, and using this content to train a model are prohibited under the Acceptable Use Policy.

2. Other Companies' Names and Logos

Bank, lender, card issuer, insurer and other product names, logos and trademarks appearing on this site belong to their owners. They appear only to identify the products they name, which is nominative fair use. Their presence does not mean that company sponsors, endorses, is affiliated with, or has any agreement with Banrox, and their absence is not a comment on them.

If you own a mark and believe our use of it goes beyond identification, write to [email protected] and tell us specifically what to change. We will look at it and answer within 10 business days.

3. Copyright Complaints Under the DMCA

Banrox responds to notices of alleged infringement under the Digital Millennium Copyright Act, 17 U.S.C. section 512. We remove or disable access to material that is the subject of a compliant notice, and we terminate the accounts of repeat infringers.

Designated agent

What a notice must contain

All six elements are required by 17 U.S.C. section 512(c)(3). A notice missing any of them is not effective and we may not be able to act on it.

1. A physical or electronic signature of the copyright owner or a person authorised to act for them
2. Identification of the copyrighted work claimed to have been infringed, or a representative list if there are several
3. Identification of the material claimed to be infringing, with enough detail for us to find it, which means the exact URL
4. Your name, address, telephone number and email address
5. A statement that you have a good faith belief that the use is not authorised 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 the owner or authorised to act on the owner's behalf

Section 512(f) makes a person who knowingly materially misrepresents that material is infringing liable for damages, including costs and attorney fees. Consider whether the use is fair use before you send a notice.

4. Counter Notice

If your material was removed and you believe that was a mistake or a misidentification, you may send a counter notice to the same address. It must contain your signature, identification of the removed material and where it appeared, a statement under penalty of perjury that you have a good faith belief the removal was a mistake or misidentification, your name, address and telephone number, and a statement that you consent to the jurisdiction of the federal district court for your district, or for the Central District of California if you are outside the United States, and that you will accept service from the person who sent the notice.

If we receive a valid counter notice, we forward it to the original complainant and may restore the material in 10 to 14 business days unless we are told a court action has been filed.

5. Repeat Infringers

We keep a record of notices. An account that is the subject of repeated valid notices is terminated. We take account of counter notices and of notices that turn out to be abusive, so a single disputed notice does not end an account.

6. Content You Post

You keep your copyright in what you post. You grant Banrox the licence described in Section 12 of the Terms of Service so we can display and operate the service. Do not post material you do not have the right to post, including full articles, images you found in a search engine, or a document you signed with someone else. See Community and User Content Guidelines.

7. Asking Permission

For press use, quoting more than a short extract, republishing a chart, or using the Banrox name or logo, write to [email protected] with what you want to use, where, and for how long. We normally say yes to accurate press and academic use with attribution, and we answer within 5 business days.