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Originally Posted by schachin
the person who creates the design or code owns it and you are paying for their service.
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In my experience this is not the norm. This would have to be specified by the designer and agreed to in writing by both parties prior to commencing work. Generally speaking, once the code or design is completed and paid for, you own it outright. Until it is paid for, the designer owns it.
I would not go into an arrangement such as the original poster is contemplating simply because I am a control freak and want complete control of all aspects of my sites. This can be overwhelming for the newcomer and for those who do not want to spend 10 hours a day in front of the computer but in the end it is rewarding, safe, and there is no one to blame but yourself.