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diff --git a/contrib/tos/tos.rst b/contrib/tos/tos.rst new file mode 100644 index 000000000..aff01001a --- /dev/null +++ b/contrib/tos/tos.rst @@ -0,0 +1,324 @@ +Terms Of Service +================ + +Last Updated: 12.4.2019 + +Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service +through our Internet presence (collectively the “Services”). Before using our +Services, please read the Terms of Service (the “Terms” or the “Agreement”) +carefully. + +Overview +-------- + +This section provides a brief summary of the highlights of this +Agreement. Please note that when you accept this Agreement, you are accepting +all of the terms and conditions and not just this section. We and possibly +other third parties provide Internet services which interact with the Taler +Wallet’s self-hosted personal payment application. When using the Taler Wallet +to interact with our Services, you are agreeing to our Terms, so please read +carefully. + +Highlights: +~~~~~~~~~~~ + + • You are responsible for keeping the data in your Taler Wallet at all times + under your control. Any losses arising from you not being in control of + your private information are your problem. + • We will try to transfer funds we hold in escrow for our users to any legal + recipient to the best of our ability within the limitations of the law and + our implementation. However, the Services offered today are highly + experimental and the set of recipients of funds is severely restricted. + • For our Services, we may charge transaction fees. The specific fee structure + is provided based on the Taler protocol and should be shown to you when you + withdraw electronic coins using a Taler Wallet. You agree and understand + that the Taler protocol allows for the fee structure to change. + • You agree to not intentionally overwhelm our systems with requests and + follow responsible disclosure if you find security issues in our services. + • We cannot be held accountable for our Services not being available due to + circumstances beyond our control. If we modify or terminate our services, + we will try to give you the opportunity to recover your funds. However, + given the experimental state of the Services today, this may not be + possible. You are strongly advised to limit your use of the Service + to small-scale experiments expecting total loss of all funds. + +These terms outline approved uses of our Services. The Services and these +Terms are still at an experimental stage. If you have any questions or +comments related to this Agreement, please send us a message to +legal@taler-systems.com. If you do not agree to this Agreement, you must not +use our Services. + +How you accept this policy +-------------------------- + +By sending funds to us (to top-up your Taler Wallet), you acknowledge that you +have read, understood, and agreed to these Terms. We reserve the right to +change these Terms at any time. If you disagree with the change, we may in the +future offer you with an easy option to recover your unspent funds. However, +in the current experimental period you acknowledge that this feature is not +yet available, resulting in your funds being lost unless you accept the new +Terms. If you continue to use our Services other than to recover your unspent +funds, your continued use of our Services following any such change will +signify your acceptance to be bound by the then current Terms. Please check +the effective date above to determine if there have been any changes since you +have last reviewed these Terms. + +Services +-------- + +We will try to transfer funds that we hold in escrow for our users to any +legal recipient to the best of our ability and within the limitations of the +law and our implementation. However, the Services offered today are highly +experimental and the set of recipients of funds is severely restricted. The +Taler Wallet can be loaded by exchanging fiat currencies against electronic +coins. We are providing this exchange service. Once your Taler Wallet is +loaded with electronic coins they can be spent for purchases if the seller is +accepting Taler as a means of payment. We are not guaranteeing that any seller +is accepting Taler at all or a particular seller. The seller or recipient of +deposits of electronic coins must specify the target account, as per the +design of the Taler protocol. They are responsible for following the protocol +and specifying the correct bank account, and are solely liable for any losses +that may arise from specifying the wrong account. We will allow the government +to link wire transfers to the underlying contract hash. It is the +responsibility of recipients to preserve the full contracts and to pay +whatever taxes and charges may be applicable. Technical issues may lead to +situations where we are unable to make transfers at all or lead to incorrect +transfers that cannot be reversed. We will only refuse to execute transfers if +the transfers are prohibited by a competent legal authority and we are ordered +to do so. + +Fees +---- + +You agree to pay the fees for exchanges and withdrawals completed via the +Taler Wallet ("Fees") as defined by us, which we may change from time to +time. With the exception of wire transfer fees, Taler transaction fees are set +for any electronic coin at the time of withdrawal and fixed throughout the +validity period of the respective electronic coin. Your wallet should obtain +and display applicable fees when withdrawing funds. Fees for coins obtained as +change may differ from the fees applicable to the original coin. Wire transfer +fees that are independent from electronic coins may change annually. You +authorize us to charge or deduct applicable fees owed in connection with +deposits, exchanges and withdrawals following the rules of the Taler protocol. +We reserve the right to provide different types of rewards to users either in +the form of discount for our Services or in any other form at our discretion +and without prior notice to you. + +Eligibility +----------- + +To be eligible to use our Services, you must be able to form legally binding +contracts or have the permission of your legal guardian. By using our +Services, you represent and warrant that you meet all eligibility requirements +that we outline in these Terms. + +Financial self-responsibility +----------------------------- + +You will be responsible for maintaining the availability, integrity and +confidentiality of the data stored in your wallet. When you setup a Taler +Wallet, you are strongly advised to follow the precautionary measures offered +by the software to minimize the chances to losse access to or control over +your Wallet data. We will not be liable for any loss or damage arising from +your failure to comply with this paragraph. + +Copyrights and trademarks +------------------------- + +The Taler Wallet is released under the terms of the GNU General Public License +(GNU GPL). You have the right to access, use, and share the Taler Wallet, in +modified or unmodified form. However, the GPL is a strong copyleft license, +which means that any derivative works must be distributed under the same +license terms as the original software. If you have any questions, you should +review the GNU GPL’s full terms and conditions at +https://www.gnu.org/licenses/gpl-3.0.en.html. “Taler” itself is a trademark +of Taler Systems SA. You are welcome to use the name in relation to processing +payments using the Taler protocol, assuming your use is compatible with an +official release from the GNU Project that is not older than two years. + +Your use of our services +------------------------ + +When using our Services, you agree to not take any action that intentionally +imposes an unreasonable load on our infrastructure. If you find security +problems in our Services, you agree to first report them to +security@taler-systems.com and grant us the right to publish your report. We +warrant that we will ourselves publicly disclose any issues reported within 3 +months, and that we will not prosecute anyone reporting security issues if +they did not exploit the issue beyond a proof-of-concept, and followed the +above responsible disclosure practice. + +Limitation of liability & disclaimer of warranties +-------------------------------------------------- + +You understand and agree that we have no control over, and no duty to take any +action regarding: Failures, disruptions, errors, or delays in processing that +you may experience while using our Services; The risk of failure of hardware, +software, and Internet connections; The risk of malicious software being +introduced or found in the software underlying the Taler Wallet; The risk that +third parties may obtain unauthorized access to information stored within your +Taler Wallet, including, but not limited to your Taler Wallet coins or backup +encryption keys. You release us from all liability related to any losses, +damages, or claims arising from: + +(a) user error such as forgotten passwords, incorrectly constructed + transactions; +(b) server failure or data loss; +(c) unauthorized access to the Taler Wallet application; +(d) bugs or other errors in the Taler Wallet software; and +(e) any unauthorized third party activities, including, but not limited to, + the use of viruses, phishing, brute forcing, or other means of attack + against the Taler Wallet. We make no representations concerning any + Third Party Content contained in or accessed through our Services. + +Any other terms, conditions, warranties, or representations associated with +such content, are solely between you and such organizations and/or +individuals. + +Limitation of liability +----------------------- + +To the fullest extent permitted by applicable law, in no event will we or any +of our officers, directors, representatives, agents, servants, counsel, +employees, consultants, lawyers, and other personnel authorized to act, +acting, or purporting to act on our behalf (collectively the “Taler Parties”) +be liable to you under contract, tort, strict liability, negligence, or any +other legal or equitable theory, for: + +(a) any lost profits, data loss, cost of procurement of substitute goods or + services, or direct, indirect, incidental, special, punitive, compensatory, + or consequential damages of any kind whatsoever resulting from: + + (i) your use of, or conduct in connection with, our services; + (ii) any unauthorized use of your wallet and/or private key due to your + failure to maintain the confidentiality of your wallet; + (iii) any interruption or cessation of transmission to or from the services; or + (iv) any bugs, viruses, trojan horses, or the like that are found in the Taler + Wallet software or that may be transmitted to or through our services by + any third party (regardless of the source of origination), or + +(b) any direct damages. + +These limitations apply regardless of legal theory, whether based on tort, +strict liability, breach of contract, breach of warranty, or any other legal +theory, and whether or not we were advised of the possibility of such +damages. Some jurisdictions do not allow the exclusion or limitation of +liability for consequential or incidental damages, so the above limitation may +not apply to you. + +Warranty disclaimer +------------------- + +Our services are provided "as is" and without warranty of any kind. To the +maximum extent permitted by law, we disclaim all representations and +warranties, express or implied, relating to the services and underlying +software or any content on the services, whether provided or owned by us or by +any third party, including without limitation, warranties of merchantability, +fitness for a particular purpose, title, non-infringement, freedom from +computer virus, and any implied warranties arising from course of dealing, +course of performance, or usage in trade, all of which are expressly +disclaimed. In addition, we do not represent or warrant that the content +accessible via the services is accurate, complete, available, current, free of +viruses or other harmful components, or that the results of using the services +will meet your requirements. Some states do not allow the disclaimer of +implied warranties, so the foregoing disclaimers may not apply to you. This +paragraph gives you specific legal rights and you may also have other legal +rights that vary from state to state. + +Indemntiy +--------- + +To the extent permitted by applicable law, you agree to defend, indemnify, and +hold harmless the Taler Parties from and against any and all claims, damages, +obligations, losses, liabilities, costs or debt, and expenses (including, but +not limited to, attorney’s fees) arising from: (a) your use of and access to +the Services; (b) any feedback or submissions you provide to us concerning the +Taler Wallet; (c) your violation of any term of this Agreement; or (d) your +violation of any law, rule, or regulation, or the rights of any third party. + +Time limitation on claims +------------------------- + +You agree that any claim you may have arising out of or related to your +relationship with us must be filed within one year after such claim arises, +otherwise, your claim in permanently barred. + +Governing law +------------- + +No matter where you’re located, the laws of Switzerland will govern these +Terms. If any provisions of these Terms are inconsistent with any applicable +law, those provisions will be superseded or modified only to the extent such +provisions are inconsistent. The parties agree to submit to the ordinary +courts in Zurich, Switzerland for exclusive jurisdiction of any dispute +arising out of or related to your use of the Services or your breach of these +Terms. + +Termination +----------- + +In the event of termination concerning your use of our Services, your +obligations under this Agreement will still continue. + +Discontinuance of services +-------------------------- + +We may, in our sole discretion and without cost to you, with or without prior +notice, and at any time, modify or discontinue, temporarily or permanently, +any portion of our Services. We will use the Taler protocol’s provisions to +notify Wallets if our Services are to be discontinued. It is your +responsibility to ensure that the Taler Wallet is online at least once every +three months to observe these notifications. We shall not be held responsible +or liable for any loss of funds in the event that we discontinue or depreciate +the Services and your Taler Wallet fails to transfer out the coins within a +three months notification period. + +No waiver +--------- + +Our failure to exercise or delay in exercising any right, power, or privilege +under this Agreement shall not operate as a waiver; nor shall any single or +partial exercise of any right, power, or privilege preclude any other or +further exercise thereof. + +Severability +------------ + +If it turns out that any part of this Agreement is invalid, void, or for any +reason unenforceable, that term will be deemed severable and limited or +eliminated to the minimum extent necessary. + +Force majeure +------------- + +We shall not be held liable for any delays, failure in performance, or +interruptions of service which result directly or indirectly from any cause or +condition beyond our reasonable control, including but not limited to: any +delay or failure due to any act of God, act of civil or military authorities, +act of terrorism, civil disturbance, war, strike or other labor dispute, fire, +interruption in telecommunications or Internet services or network provider +services, failure of equipment and/or software, other catastrophe, or any +other occurrence which is beyond our reasonable control and shall not affect +the validity and enforceability of any remaining provisions. + +Assignment +---------- + +You agree that we may assign any of our rights and/or transfer, sub-contract, +or delegate any of our obligations under these Terms. + +Entire agreement +---------------- + +This Agreement sets forth the entire understanding and agreement as to the +subject matter hereof and supersedes any and all prior discussions, +agreements, and understandings of any kind (including, without limitation, any +prior versions of this Agreement) and every nature between us. Except as +provided for above, any modification to this Agreement must be in writing and +must be signed by both parties. + +Questions or comments +--------------------- + +We welcome comments, questions, concerns, or suggestions. Please send us a +message on our contact page at legal@taler-systems.com. |