DMCA Copyright Policy

Digital Millennium Copyright Act (DMCA) Notice

Amortio respects the intellectual property rights of others and expects its users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (DMCA), we will respond expeditiously to claims of copyright infringement committed using our website.

Copyright Ownership

All content on Amortio.com, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Amortio or its content suppliers and is protected by United States and international copyright laws.

The compilation of all content on this site is the exclusive property of Amortio and is protected by U.S. and international copyright laws.

Permitted Use

You may use the loan calculator and tools provided on this website for personal, non-commercial purposes. You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of this website without express written permission
• Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the website
• Remove any copyright, trademark, or other proprietary notices from the website
• Frame or mirror any content without prior written authorization
• Use any automated system or software to extract data from the website

DMCA Notice Procedure

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on this website, you may notify our copyright agent as set forth in the DMCA. For your complaint to be valid under the DMCA, you must provide the following information in writing:

Required Information

1. Identification of the copyrighted work: Describe the copyrighted work that you claim has been infringed. If multiple copyrighted works are covered by this notification, you may provide a representative list.
2. Identification of the infringing material: Provide a description of where the material you claim is infringing is located on the website, with sufficient detail that we can find it (e.g., URL).
3. Contact information: Provide your mailing address, telephone number, and email address.
4. Statement of good faith: Include 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.
5. Statement of accuracy: Include a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
6. Physical or electronic signature: The notice must be signed by the copyright owner or a person authorized to act on their behalf.

Designated DMCA Agent

Please send DMCA notifications to our designated copyright agent:

Please allow 1-2 business days for an email response. Note that emailing your complaint to other parties such as our Internet Service Provider will not expedite your request and may result in a delayed response.

Counter-Notice Procedure

If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use such content, you may send a counter-notice containing the following information to our copyright agent:

1. Your physical or electronic signature
2. Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled
3. A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification
4. Your name, address, telephone number, and email address
5. A statement that you consent to the jurisdiction of the federal court in your jurisdiction and that you will accept service of process from the person who provided notification of the alleged infringement

If a counter-notice is received by our copyright agent, we may send a copy of the counter-notice to the original complaining party informing them that we may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days after receipt of the counter-notice.

Repeat Infringer Policy

In accordance with the DMCA and other applicable law, we have adopted a policy of terminating, in appropriate circumstances and at our sole discretion, users who are deemed to be repeat infringers. We may also, at our sole discretion, limit access to the website and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Misrepresentation

Please note that under Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material or activity is infringing, or that material or activity was removed or disabled by mistake or misidentification, may be subject to liability. If you are unsure whether the material you are reporting is infringing, you may wish to contact an attorney before filing a notification with us.

Trademark Information

Amortio and the Amortio logo are trademarks of Amortio. All rights reserved. All other trademarks, service marks, and trade names referenced in this website are the property of their respective owners.

The use of any trademark, service mark, or trade name on this website without the express written consent of the owner is strictly prohibited.

Fair Use

We respect the principles of fair use under copyright law. Fair use allows limited use of copyrighted material without permission for purposes such as criticism, comment, news reporting, teaching, scholarship, or research. However, fair use is determined on a case-by-case basis.

If you believe your use of our content falls under fair use, please contact us before using the material. We reserve the right to make the final determination on what constitutes fair use of our content.

Third-Party Content

Our website may contain links to third-party websites or content. We do not claim ownership of third-party content and are not responsible for the copyright compliance of third-party sites. If you believe third-party content on our site infringes your copyright, please follow the DMCA notice procedure outlined above.

Modifications

We reserve the right to modify this DMCA policy at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website following any changes indicates your acceptance of the new policy.