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get my head around ownership
One of the questions raised was if a competitor of my client rings me up and asks me to develop a similar application for them, what will I do?
How would most people answer this question?I can't speak for most people- a lot depends on the industry, relationship with existing client, scope of project, amount of money involved, etc.
If your client wants a no-compete clause, he should add it into the contract. If your client wants full ownership of the application (i.e., preventing you form re-using the code on any other project), he should add that into the contract as well (that should correspond to a higher payment to you as well).
Technically, if you do some custom development and charge for your time , once the client pays its theirs, unless a contract states otherwise.
The client receives a copy, and license to use.
Provider agrees that upon receipt of payment from Buyer, any and all Work Product will be the sole and exclusive property of Buyer.
3. Types of work protected
Literary: song lyrics, manuscripts, manuals, computer programs, commercial documents, leaflets, newsletters & articles etc.
5. Who owns a piece of work
[..]Freelance or commissioned work will usually belong to the author of the work, unless there is an agreement to the contrary, (i.e. in a contract for service).