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Repeat Infringer Policy

1. Purpose and Scope

 

This Repeat Infringer Policy ("Policy") sets out our commitment to protecting intellectual property rights and our approach to addressing copyright and other intellectual property infringement on our platform. This Policy applies to all users of our Services across all jurisdictions where we operate.


We respect the intellectual property rights of others and expect our users to do the same. In accordance with applicable laws including the US Digital Millennium Copyright Act (DMCA), UK Copyright, Designs and Patents Act 1988, and Australian Copyright Act 1968, we have adopted and implemented a policy that provides for the termination of user Accounts in appropriate circumstances.

 

2. Definitions


"Repeat Infringer" means a user who has received more than two (2) valid notifications of claimed infringement in respect of their Account within any twelve (12) month rolling period.
"Valid Notification" means a notification of claimed infringement that:

  • Is submitted in accordance with our Copyright Infringement Notification Procedure

  • Contains all required information specified in applicable law

  • Is made in good faith by or on behalf of a rights holder

  • Is determined by us, in our reasonable judgment, to be sufficiently substantiated

  • "Account" means a user account registered on our platform, including all associated content, data, and user-generated materials.


3. Repeat Infringer Determination


3.1 Tracking Period
We track infringement notifications on a rolling twelve (12) month basis. Only valid notifications received within the preceding twelve months from the date of assessment are considered when determining Repeat Infringer status.
3.2 Threshold
A user will be deemed a Repeat Infringer upon receiving a third (3rd) valid notification of claimed infringement within any twelve-month period.
3.3 Counter-Notifications
If a user submits a valid counter-notification in accordance with applicable law and our procedures, and the claimant does not initiate legal proceedings within the statutory timeframe, that notification may be removed from the user's infringement record at our discretion.
3.4 Discretionary Factors
In determining whether to classify a user as a Repeat Infringer, we may consider:

  • The nature and severity of the infringements

  • Whether infringements were willful or inadvertent

  • The user's response to previous notifications

  • Whether the user has taken steps to prevent future infringement

  • The user's overall conduct on the platform

  • Any evidence of good faith disputes or legitimate fair use/fair dealing claims

 

4. Actions Against Repeat Infringers


4.1 Account Termination
We reserve the right to suspend or terminate the Account of any user deemed to be a Repeat Infringer. Account termination may be temporary or permanent at our sole discretion.
4.2 Service Restrictions
We may, in appropriate circumstances:

  • Suspend access to all or part of our Services

  • Remove or disable access to allegedly infringing content

  • Restrict the user's ability to upload or share content

  • Impose additional verification or monitoring requirements

4.3 Future Access
We reserve the right to refuse to provide Services to any terminated Repeat Infringer in the future, including by preventing the creation of new Accounts using the same credentials, payment methods, or identifying information.
4.4 Progressive Enforcement
Where appropriate, we may implement progressive enforcement measures, including:

  • First Notification: Warning and removal of infringing content

  • Second Notification: Temporary suspension and mandatory acknowledgment of Policy

  • Third Notification: Account termination as Repeat Infringer

 

5. Notification and Appeal Process


5.1 User Notification
When we receive a valid infringement notification concerning a user's content, we will:

  • Promptly notify the user of the claim

  • Provide details of the allegedly infringing material

  • Inform the user of their right to submit a counter-notification

  • Advise the user of their current standing under this Policy

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5.2 Appeal Rights
Users who believe they have been incorrectly designated as Repeat Infringers may submit an appeal by contacting us at support@moneymindprofile.com.
Appeals should include:

  • The basis for the appeal

  • Any evidence supporting the user's position

  • Explanation of any mitigating circumstances

We will review all appeals in good faith and provide a response within a reasonable timeframe.

 

6. No Obligation to Monitor
This Policy does not create any obligation for us to monitor content on our platform or to actively seek out infringing material. We respond to valid notifications as required by law but are not responsible for proactively identifying infringement.


7. Reservation of Rights
We reserve the right to:

  • Modify this Policy at any time with notice to users

  • Take action against accounts that do not meet the technical definition of Repeat Infringer but demonstrate patterns of abuse or infringement

  • Exercise discretion in the application of this Policy based on individual circumstances

  • Cooperate with law enforcement and rights holders as appropriate

 

8. Implementation Across Jurisdictions

 

This Policy is designed to comply with intellectual property laws in the United States, United Kingdom, and Australia, including:

  • US: Digital Millennium Copyright Act (17 U.S.C. § 512)

  • UK: Copyright, Designs and Patents Act 1988 and Electronic Commerce (EC Directive) Regulations 2002

  • Australia: Copyright Act 1968 and related safe harbor provisions

Where jurisdictional requirements differ, we will apply the standard most protective of intellectual property rights.

 

9. Contact Information
For questions about this Policy or to submit notifications of claimed infringement, please contact us at:


MoneyMind Profile
Email: support@moneymindprofile.com

Effective Date: 20 January 2026

 

Note: This Policy should be read in conjunction with our Terms of Use, Privacy Policy, and Repeat Infringer Policy. In the event of any conflict, the Terms of Use shall prevail.

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