1. Overview
PayServices Bank ("we," "us," or "Bank") respects intellectual-property rights and expects users of the ITAM application and of itam.world (together, the "Services") to do the same. This Copyright Policy describes how we handle claims of copyright infringement involving the Services and how rights holders, users, and other parties can communicate with us about copyright issues.
This Policy is provided in accordance with the U.S. Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512, and analogous notice-and-takedown regimes in other jurisdictions, including Article 17 of the EU Directive on Copyright in the Digital Single Market and equivalent provisions of national law in markets where ITAM is available.
2. Our content
The text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code, and other content of the Services that originates with us or our licensors (together, our "Content") is owned by or licensed to PayServices Bank and is protected by U.S. and international copyright, trademark, patent, trade-secret, and other intellectual-property laws.
Except as expressly permitted in the Terms of Service, you may not copy, reproduce, republish, upload, post, transmit, distribute, modify, or create derivative works of our Content without our prior written permission.
3. User-generated content
The Services may include features that allow you to submit, upload, or share content with us, with our partner banks on the PayServices Network, or with other users (for example, profile information, payment-message memos, support attachments, business profile assets, or files supplied during onboarding) ("User Content"). You retain ownership of any copyright you hold in your User Content. By submitting User Content through the Services, you grant us, our partner banks, and our service providers a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process that User Content solely as necessary to operate the Services and to comply with applicable law.
You are solely responsible for the User Content you submit. You represent and warrant that you have all rights necessary to submit it and to grant the license described above, and that your User Content does not infringe any third-party intellectual-property rights.
4. Filing a DMCA notice of claimed infringement
If you are a copyright owner (or are authorized to act on behalf of one) and believe that material on the Services infringes your copyright, you may submit a written notice of claimed infringement to our Designated Agent (see Section 5). To be effective under 17 U.S.C. § 512(c)(3), your notice must include all of the following:
- A physical or electronic signature of the owner, or of a person authorized to act on the owner's behalf, of the exclusive right that is allegedly infringed;
- Identification of the copyrighted work claimed to have been infringed (or, if multiple copyrighted works at a single online site are covered by a single notice, a representative list of such works);
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity, and information reasonably sufficient to permit us to locate the material (such as a URL or precise description of where the material appears in the Services);
- Information reasonably sufficient to permit us to contact you, including an address, telephone number, and (if available) an email address;
- 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;
- A statement, made under penalty of perjury, that the information in the notice is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Upon receipt of an effective notice, we will act expeditiously to remove or disable access to the material that is the subject of the notice and will notify the user who submitted the material.
5. Designated agent
Notices of claimed infringement under the DMCA must be sent to our Designated Agent at the address below. Notices that are not sent to the Designated Agent or that are not in compliance with Section 4 may not be effective and may be disregarded.
DMCA Designated Agent
PayServices Bank
Attn: Copyright Agent
950 W Bannock Street, Suite 1100
Boise, Idaho 83702-6140
United States
Email: info@payservices.com
Our Designated Agent is registered with the U.S. Copyright Office. The current registration information is available at the U.S. Copyright Office's online directory of designated agents.
6. Filing a counter-notice
If your User Content has been removed or disabled by us in response to a DMCA notice, and you believe in good faith that the removal or disablement was the result of mistake or misidentification of the material, you may file a counter-notice with our Designated Agent. To be effective under 17 U.S.C. § 512(g)(3), your counter-notice must include all of the following:
- Your physical or electronic signature;
- Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or disabled;
- 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;
- Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the U.S. Federal District Court for the judicial district in which you are located (or, if outside the United States, the U.S. Federal District Court for the District of Idaho), and that you will accept service of process from the person who provided notification under Section 4 or an agent of that person.
Upon receipt of an effective counter-notice, we will provide a copy to the original complainant and inform them that we may replace the removed material or cease disabling it within ten to fourteen business days unless the complainant files a court action seeking a restraining order against the user.
7. Repeat infringers
It is our policy to terminate, in appropriate circumstances and in our discretion, the accounts of users who are determined to be repeat infringers of copyright. We may also limit access to the Services or terminate accounts of users who infringe copyright, regardless of whether the conduct constitutes "repeat" infringement.
8. International users
The Services are operated from the United States. The DMCA applies to material hosted or transmitted in the United States. For users outside the United States, we will additionally honor notices of claimed infringement that comply with the notice-and-takedown procedures of the country in which the material is hosted, accessed, or directed, including Article 17 of the EU Directive 2019/790, the UK Online Safety Act, and equivalent national-law regimes. Where multiple regimes apply, we will apply the regime that provides the broadest protection to the rights holder, consistent with applicable law.
9. Trademarks
"ITAM," "PayServices," "PayServices Network," "PayServices Bank," the ITAM mark, and the PayServices Network mark are trademarks of PayServices Bank in the United States and other countries. All other trademarks, service marks, and logos used on the Services are the property of their respective owners. Nothing on the Services should be construed as granting any license or right to use any trademark without the express written permission of PayServices Bank or the third-party owner.
Claims of trademark infringement should be sent to info@payservices.com and should include the same categories of information described in Section 4 (substituting trademark for copyright as appropriate).
10. Changes to this Policy
We may update this Copyright Policy from time to time. The current version is the version posted at itam.world/copyright. Material changes will be communicated to users in-app or by email where required by law.
11. Contact us
For DMCA notices, counter-notices, and trademark claims, use the addresses in Sections 5 and 9 above. For all other questions about this Policy:
PayServices Bank
Legal Department
950 W Bannock Street, Suite 1100
Boise, Idaho 83702-6140
United States
info@payservices.com