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Beware: Read this before hitting copy-paste

By Ken Colburn, Data Doctors

PHOENIX, Ariz. — Anonymous asks: I got a notice of copyright infringement via Fedex from a company called Masterfile for an image that I have posted on my website. They want $2,500 as compensation; is this a scam, or should I take this seriously?

The Internet makes it so easy to copy and paste just about anything you find online, and that has led to a major problem for website owners and photographers: copyright infringement.

Image copyright infringement is running rampant, primarily because so many people have no understanding of what is and isn’t copyrighted.

Masterfile is one of many companies that sells images and aggressively pursues anyone who uses one of their images without paying for it.

I can’t give you legal advice, but I would definitely recommend you start researching what others in your position have done. A Google search for the words “Masterfile” and “copyright infringement” should get you going.

Here are the most common misconceptions when it comes to using images on the Internet:

1. If I find it on Google’s image search, it’s public domain.

Publicly accessible does not mean publicly usable. Public domain is a specific term and applies to images created:

  • Before 1923;
  • Between 1923-1963 without a copyright notice;
  • Between 1923-1963 with a copyright notice, if the copyright was not renewed;
  • Between 1964-1977 without a copyright notice;
  • At any time by the federal government

A copyright lasts for 70 years past the author’s death, so just about everything you see on the Internet was created by someone who hasn’t been dead for 70 years. Never use an image from a Google search unless you get specific written consent from the owner of the image.

2. If I change the image by 20 percent, I’m safe to use it.

There is no legal standard for changing an image by a random percentage to avoid copyright infringement. If you use someone else’s copyrighted work in any way, you are technically violating the copyright and potentially liable. In fact, if you are found to be willfully infringing, by removing a watermark for instance, your exposure can become much greater.

3. There wasn’t any copyright information posted with the image, so I’m not liable.

The law prohibits accidental and willful copyright infringement, and only recognizes the differences when determining damages. There is no requirement to post copyright information; always assume everything you see on the Internet is copyrighted.

4. I’m not making money from using the image, so it’s OK.

How you use the image has nothing to do with copyright infringement. Whether you were using it on a personal blog or a company website may determine how far the copyright holder will go to pursue his case, but it has no bearing on the copyright itself.

5. I gave the owner credit for the image.

Simply providing attribution does not override copyright laws. Always get written permission so you can protect yourself.

6. The image said it was “royalty-free,” so I assumed that it meant it’s free to use.

Royalty-free refers to the ability to use the image multiple times after you secure the initial rights — generally by paying a fee.

If you’re looking for resources that allow you to legally use images, Creative Commons is a type of license developed for people who want to license their work, for free, for certain uses. You can search for images and their specific uses here.

Getty Images recently created a free option to embed images by following these instructions.

If you use a lot of images or want an inexpensive place to buy images, check out Bigstock Photo.

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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