DMCA Policy

**Effective Date: July 26, 2026**

**Last Updated: July 26, 2026**

1. Purpose and Scope

WisdomBread.com and its associated services are operated by **WisdomBread.com** (“WisdomBread,” “we,” “us,” or “our”).

WisdomBread respects intellectual property rights and expects its users, contributors, members and service partners to do the same. This policy explains how we receive and process copyright infringement notices, unauthorized AI digital replica complaints, counter-notifications and related disputes.

This policy applies, where relevant, to WisdomBread websites, mobile and desktop applications, member areas, community features, forums, comments, profile content, uploaded images, audio and video, course or educational content, AI-assisted features, hyperlinks and other services through which information may be stored, published, transmitted or made available at the direction of a user.

The Digital Millennium Copyright Act is a law of the United States. Complaints concerning other jurisdictions will be processed under applicable law and the jurisdiction-specific provisions below.

2. Designated Copyright & IP Agent

Copyright notices, digital replica complaints, and counter-notifications should be directed to our Designated Agent, who is registered with the U.S. Copyright Office:

**Email:** legal@wisdombread.com

Please use the subject line **“Copyright Infringement Notice,”** **”Unauthorized Digital Replica Notice,”** or **“DMCA Counter-Notification,”** as applicable. Notices sent to other WisdomBread addresses or personnel may not be processed as promptly.

3. United States DMCA Notice of Claimed Infringement

A copyright owner, or a person authorized to act on the owner’s behalf, may submit a written notification under 17 U.S.C. § 512. To be effective, the notification must include substantially all of the following:

• A physical or electronic signature of the copyright owner or a person authorized to act on the owner’s behalf.
• Identification of the copyrighted work claimed to have been infringed. In accordance with U.S. Copyright Office regulations, you must affirm that the work contains sufficient human authorship to qualify for copyright protection.  Where multiple copyrighted works at one online location are covered by the notice, the sender may provide a representative list of those works.
• Identification of the material claimed to be infringing, or to be the subject of infringing activity, together with information reasonably sufficient for WisdomBread to locate it. Exact URL or URLs should be provided whenever possible.
• Information reasonably sufficient for WisdomBread to contact the complaining party, including the party’s full name, mailing address and telephone number and, if available, an email address.
• A statement that the complaining party has a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law, and a confirmation that the complaining party has considered whether the use qualifies as Fair Use.
• A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right allegedly infringed.

Before submitting a notice, the sender should consider whether the disputed material may be authorized by a licence, consent, copyright exception or limitation, fair use, fair dealing, public-domain status or another applicable legal basis. A notice concerning a general subject, an entire website, a search-results page or a user account without identifying the specific allegedly infringing material may not provide enough information for us to act.

4. AI Digital Replicas & Unauthorized Likeness

In compliance with evolving state and federal frameworks (including the NO FAKES Act) regarding digital replicas, WisdomBread operates a notice-and-takedown process for unauthorized, AI-generated voice or visual replicas.

If you find an unauthorized digital replica of your voice or likeness on our platform, you may submit a takedown request to our Designated Agent using the contact requirements listed in Section 3, explicitly noting that the claim pertains to an unauthorized digital replica rather than a traditional copyright claim.

5. How We Process Notices

After receiving a copyright or digital replica notice, WisdomBread may:

• acknowledge receipt;
• review the notice for substantial completeness, facial validity and apparent abuse;
• request clarification or missing information;
• contact the complaining party or affected user;
• remove or disable access to identified material expeditiously where appropriate;
• restrict distribution, visibility, monetization or account functionality where justified;
• notify the person who submitted or uploaded the affected material;
• provide that person with a copy or summary of the complaint;
• preserve relevant records and evidence; and
• take any other action required or permitted by applicable law or our Terms of Use.

A removal or restriction is not a judicial determination that infringement occurred. WisdomBread does not act as a court and ordinarily cannot resolve complex disputes involving ownership, licensing, authorship, fair use, fair dealing or competing contractual rights.

6. DMCA Counter-Notification

A user who believes that material was removed or disabled as a result of mistake or misidentification may submit a written counter-notification to our Designated Agent. A counter-notification must include substantially all of the following:

• The user’s physical or electronic signature.
• Identification of the material that was removed or disabled and the location at which it appeared before removal or disabling.
• A statement under penalty of perjury that the user has a good-faith belief that the material was removed or disabled as a result of mistake or misidentification.
• The user’s full name, address and telephone number, together with a statement that the user consents to the jurisdiction of the United States Federal District Court for the judicial district in which the user’s address is located or, if the address is outside the United States, for any United States judicial district in which WisdomBread may be found.
• A statement that the user will accept service of process from the person who submitted the original notice or that person’s authorized agent.

By submitting a counter-notification, the user understands that WisdomBread may provide the counter-notification—including the user’s name and contact information—to the person who submitted the original infringement notice.

7. Restoration Following a Counter-Notification

When WisdomBread receives a substantially compliant counter-notification, we may promptly provide a copy to the original complaining party and inform that party that the affected material may be restored.

Subject to applicable law, WisdomBread may restore the material or cease disabling access not less than 10 and not more than 14 business days after receiving the counter-notification unless our Designated Agent first receives notice that the complaining party has filed an action seeking a court order restraining the user from engaging in the allegedly infringing activity.

Material may remain unavailable where WisdomBread independently determines that it violates our Terms of Use, Community Guidelines, another law, a court order, safety requirements or the rights of another person.

8. Retraction of a Notice

A complaining party may retract a previously submitted notice by sending a written retraction to legal@wisdombread.com. The retraction should:

• identify the original notice;
• identify the material concerned;
• state clearly that the claim is being withdrawn;
• be sent by the original claimant or an authorized representative; and
• include the claimant’s physical or electronic signature.

A retraction does not guarantee restoration where the material is restricted for an independent legal, contractual or safety reason.

9. Repeat-Infringer Policy

WisdomBread has adopted and reasonably implements a policy providing for the suspension or termination, in appropriate circumstances, of users and account holders who repeatedly infringe intellectual property rights. When determining appropriate action, WisdomBread may consider relevant circumstances, including:

• substantially compliant infringement notices;
• notice retractions;
• valid counter-notifications;
• court orders or judicial findings;
• repeated use of different accounts to evade enforcement;
• the nature and seriousness of the conduct;
• evidence of authorization or lawful use; and
• whether the person acted knowingly or in good faith.

No fixed number of allegations automatically determines that a person is a repeat infringer. WisdomBread may suspend or terminate an account immediately where circumstances warrant. Where applicable, WisdomBread accommodates and does not interfere with qualifying standard technical measures used by copyright owners to identify or protect copyrighted works.

10. Misrepresentations and Abuse

Intellectual property processes must not be used to censor criticism, suppress lawful speech, interfere with competition, impersonate a rights holder or remove material that the sender knows is authorized or non-infringing.

Under 17 U.S.C. § 512(f), a person who knowingly and materially misrepresents that material is infringing, or that removed material was removed by mistake or misidentification, may be liable for resulting damages, costs and attorneys’ fees. WisdomBread may reject, restrict or refer abusive, fraudulent, harassing, automated or manifestly unfounded notices or complaints. Repeated misuse of our reporting systems may result in restrictions on access to those systems or other appropriate action.

11. Privacy and Disclosure

Legal notices should not contain personal information beyond what is reasonably necessary. WisdomBread may disclose a notice, counter-notification and related information:

• to the user who submitted or published the affected material;
• to the original complaining party;
• to our hosting, infrastructure and service providers;
• to professional advisers, insurers or auditors;
• to courts, regulators or law-enforcement authorities;
• where required to comply with legal process; or
• where reasonably necessary to establish, exercise or defend legal rights.

WisdomBread may publish anonymized, redacted or aggregated information about complaints and content-moderation activity. Personal information will otherwise be handled in accordance with our Privacy Policy and applicable law.

12. Canada: Notice and Notice Regime

Where WisdomBread is subject to Canada’s Notice and Notice regime, a compliant Canadian notice should include the claimant’s name and address, identification of the work, the claimant’s interest, the location data, a description of the infringement, and the date and time of the alleged infringement.

A Canadian Notice and Notice communication must not contain an offer to settle, a request or demand for payment, a demand for personal information, or a hyperlink or reference to such an offer or demand. Where legally applicable, WisdomBread may forward a compliant notice to the relevant user as soon as feasible and retain records for the period required by Canadian law. Receiving a notice does not itself establish that infringement occurred or that the recipient owes money.

13. European Union (DSA Compliance)

Where the European Union Digital Services Act applies to a WisdomBread service, we will maintain an accessible electronic mechanism for reporting specific allegedly illegal content. A sufficiently substantiated EU notice should ordinarily include:

• an explanation of why the material is alleged to be illegal;
• the exact electronic location, such as the relevant URL or URLs;
• the notifier’s name and email address, except where applicable law permits otherwise; and
• a statement confirming the notifier’s bona-fide belief that the information and allegations are accurate and complete.

Where legally required under the DSA, WisdomBread will:

• acknowledge receipt without undue delay;
• process notices in a timely, diligent, objective and non-arbitrary manner;
• notify the notifier of our decision;
• provide affected users with a clear and specific Article 17 statement of reasons;
• disclose whether automated means materially contributed to the decision;
• provide information about available internal (Article 20 appeals mechanism open for six months), out-of-court, or judicial redress; and
• provide complaint and human-review procedures where applicable.

Where European copyright law applies, we will give appropriate consideration to lawful uses and copyright exceptions or limitations, including quotation, criticism, review, caricature, parody and pastiche. References to European law in this policy do not represent that every WisdomBread service is an “online platform” or an “online content-sharing service provider” under European law. Classification depends on the design, purpose, operation, audience and scale of the particular service.

14. Other Jurisdictions

WisdomBread may process complaints submitted under the laws of other jurisdictions. A complainant should clearly identify the applicable jurisdiction, legal basis, protected work, disputed material, exact location and requested action. Where legal standards differ, WisdomBread may apply the procedure required by the applicable law rather than the DMCA counter-notification procedure.

15. Safe-Harbour Position

To the extent that WisdomBread or a particular WisdomBread service qualifies for limitations on liability or safe-harbour protection under applicable law, WisdomBread intends to satisfy the relevant conditions and reserves the right to rely on those protections. Nothing in this policy guarantees that WisdomBread or every WisdomBread service qualifies for a particular statutory safe harbour. Eligibility depends on the applicable law, the nature and operation of the service and WisdomBread’s actual practices. Nothing in this policy waives any right, defence, exception, limitation, immunity or remedy available to WisdomBread, its users or any copyright owner.

16. Policy Updates

WisdomBread may revise this policy to reflect changes in its services, operating practices or applicable law. The current version will display its effective date and last-updated date. Material changes may also be communicated through the service or by another reasonable method where required. Continued use of WisdomBread services remains subject to our Terms of Use, Community Guidelines and other applicable policies.