No longer a newbie, moving up!
Skieur, In the US that is correct. In Canada where you (we) live, the rules are different. Unless they changed since the last I read we have an unusual ownership rule here. Sections 10(2) and 13 of Canada's Copyright Act pretty much say that the person who owns the negative of the photograph, the physical object from which the photograph is taken,(in today's age interpreted as Memory card) is also deemed to be the author and copyright holder of that photograph. S. 13(2) adds that where a photograph is commissioned by someone else, that person is assumed, unless there is “any agreement to the contrary,” to be the owner of copyright in the photograph. There have been some disputes with privacy issues and such lately so it could be these rules have been ammended somewhat.