Hi Podlod
Anything that you produce on your site is automatically owned and copyrighted by you. Does that mean people won't try to steal your stuff? No, unfortunately it's the nature of the beast. There are some copyright services out there you can use to make your site look more official (c-site, etc.)
I know giving your banking info can be scary but I have been using my bank card online since 1995 and I've never had any issues. (knock on wood!) Just look for the padlock/security icon in your browser before giving any details.
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