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:
-
-
user error such as forgotten passwords, incorrectly constructed
+carefully.
+
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.
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.
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.
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.
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.
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.
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.
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.
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:
+
+
user error such as forgotten passwords, incorrectly constructed
transactions;
-
server failure or data loss;
-
unauthorized access to the Taler Wallet application;
-
bugs or other errors in the Taler Wallet software; and
-
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:
-
-
-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:
-
-
- your use of, or conduct in connection with, our services;
-
-any unauthorized use of your wallet and/or private key due to your
+
server failure or data loss;
+
unauthorized access to the Taler Wallet application;
+
bugs or other errors in the Taler Wallet software; and
+
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.
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:
+
+
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:
+
+
+
+
your use of, or conduct in connection with, our services;
+
any unauthorized use of your wallet and/or private key due to your
failure to maintain the confidentiality of your wallet;
-
any interruption or cessation of transmission to or from the
- services; or
-
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)
+
any interruption or cessation of transmission to or from the services; or
+
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
-
or any direct damages.
+
+
+
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,
+
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.
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.
-
-
-
INDEMNITY
-
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
-
-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
+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.
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.
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.
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.
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.
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.
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.
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.
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.
-
-
-
+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.
+
We welcome comments, questions, concerns, or suggestions. Please send us a
+message on our contact page at legal@taler-systems.com.
+
+
+
+
+
+
+
+
+
+
+
\ No newline at end of file
diff --git a/contrib/tos/en/0.pdf b/contrib/tos/en/0.pdf
new file mode 100644
index 000000000..972b91b93
Binary files /dev/null and b/contrib/tos/en/0.pdf differ
diff --git a/contrib/tos/en/0.txt b/contrib/tos/en/0.txt
index 5a5ee1b9a..9b512f013 100644
--- a/contrib/tos/en/0.txt
+++ b/contrib/tos/en/0.txt
@@ -1,295 +1,381 @@
-Terms Of Service - Last Updated: 12.4.2019
+Terms Of Service
+****************
-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.
+Last Updated: 12.4.2019
-OVERVIEW
+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.
+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
+-----------
+
+ * 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.
-
-INDEMNITY
-
-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
+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:
+
+1. user error such as forgotten passwords, incorrectly constructed
+ transactions;
+
+2. server failure or data loss;
+
+3. unauthorized access to the Taler Wallet application;
+
+4. bugs or other errors in the Taler Wallet software; and
+
+5. 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:
+
+1. 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:
+
+ 1. your use of, or conduct in connection with, our services;
+
+ 2. any unauthorized use of your wallet and/or private key due to
+ your failure to maintain the confidentiality of your wallet;
+
+ 3. any interruption or cessation of transmission to or from the
+ services; or
+
+ 4. 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
+
+2. 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.
+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
+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.
+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.
+Severability
+============
-FORCE MAJEURE
+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
+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.
+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
+================
-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.
-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
+Questions or comments
+=====================
-We welcome comments, questions, concerns, or suggestions. Please send us a
-message on our contact page at legal@taler-systems.com.
+We welcome comments, questions, concerns, or suggestions. Please send
+us a message on our contact page at legal@taler-systems.com.
diff --git a/contrib/tos/en/0.xml b/contrib/tos/en/0.xml
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index 000000000..45871ead4
--- /dev/null
+++ b/contrib/tos/en/0.xml
@@ -0,0 +1,344 @@
+
+
+
+
+
+ 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:
+
+
+ user error such as forgotten passwords, incorrectly constructed
+ transactions;
+
+
+ server failure or data loss;
+
+
+ unauthorized access to the Taler Wallet application;
+
+
+ bugs or other errors in the Taler Wallet software; and
+
+
+ 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:
+
+
+ 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:
+
+
+
+
+
+ your use of, or conduct in connection with, our services;
+
+
+ any unauthorized use of your wallet and/or private key due to your
+ failure to maintain the confidentiality of your wallet;
+
+
+ any interruption or cessation of transmission to or from the services; or
+
+
+ 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
+
+
+
+
+
+ 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.
+
+
+
--
cgit v1.2.3
From 3d90810f0092476ba4d37c135c430b11783da373 Mon Sep 17 00:00:00 2001
From: Christian Grothoff
Date: Fri, 7 Feb 2020 01:00:44 +0100
Subject: fix typo
---
contrib/tos/en/0.epub | Bin 16631 -> 16629 bytes
contrib/tos/en/0.html | 4 ++--
contrib/tos/en/0.pdf | Bin 99867 -> 99859 bytes
contrib/tos/en/0.txt | 2 +-
contrib/tos/en/0.xml | 4 ++--
contrib/tos/locale/de/LC_MESSAGES/tos.po | 7 +++++--
contrib/tos/tos.rst | 2 +-
7 files changed, 11 insertions(+), 8 deletions(-)
(limited to 'contrib/tos/en')
diff --git a/contrib/tos/en/0.epub b/contrib/tos/en/0.epub
index a6c7860bd..5acb8dfca 100644
Binary files a/contrib/tos/en/0.epub and b/contrib/tos/en/0.epub differ
diff --git a/contrib/tos/en/0.html b/contrib/tos/en/0.html
index 2c8000c35..07a3ab401 100644
--- a/contrib/tos/en/0.html
+++ b/contrib/tos/en/0.html
@@ -238,8 +238,8 @@ 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.
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
diff --git a/contrib/tos/en/0.pdf b/contrib/tos/en/0.pdf
index 972b91b93..ce3f013c5 100644
Binary files a/contrib/tos/en/0.pdf and b/contrib/tos/en/0.pdf differ
diff --git a/contrib/tos/en/0.txt b/contrib/tos/en/0.txt
index 9b512f013..ce0893faf 100644
--- a/contrib/tos/en/0.txt
+++ b/contrib/tos/en/0.txt
@@ -268,7 +268,7 @@ you. This paragraph gives you specific legal rights and you may also
have other legal rights that vary from state to state.
-Indemntiy
+Indemnity
=========
To the extent permitted by applicable law, you agree to defend,
diff --git a/contrib/tos/en/0.xml b/contrib/tos/en/0.xml
index 45871ead4..75974dc4d 100644
--- a/contrib/tos/en/0.xml
+++ b/contrib/tos/en/0.xml
@@ -253,8 +253,8 @@
paragraph gives you specific legal rights and you may also have other legal
rights that vary from state to state.
-
- Indemntiy
+
+ IndemnityTo 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
diff --git a/contrib/tos/locale/de/LC_MESSAGES/tos.po b/contrib/tos/locale/de/LC_MESSAGES/tos.po
index 4644a5c8a..21aa9c88a 100644
--- a/contrib/tos/locale/de/LC_MESSAGES/tos.po
+++ b/contrib/tos/locale/de/LC_MESSAGES/tos.po
@@ -8,7 +8,7 @@ msgid ""
msgstr ""
"Project-Id-Version: tos 0\n"
"Report-Msgid-Bugs-To: \n"
-"POT-Creation-Date: 2020-02-07 00:35+0100\n"
+"POT-Creation-Date: 2020-02-07 01:00+0100\n"
"PO-Revision-Date: YEAR-MO-DA HO:MI+ZONE\n"
"Last-Translator: FULL NAME \n"
"Language-Team: LANGUAGE \n"
@@ -368,7 +368,7 @@ msgid ""
msgstr ""
#: ../../tos.rst:229
-msgid "Indemntiy"
+msgid "Indemnity"
msgstr ""
#: ../../tos.rst:231
@@ -512,3 +512,6 @@ msgid ""
"a message on our contact page at legal@taler-systems.com."
msgstr ""
+#~ msgid "Indemntiy"
+#~ msgstr ""
+
diff --git a/contrib/tos/tos.rst b/contrib/tos/tos.rst
index aff01001a..2ef5c2c2d 100644
--- a/contrib/tos/tos.rst
+++ b/contrib/tos/tos.rst
@@ -225,7 +225,7 @@ 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
+Indemnity
---------
To the extent permitted by applicable law, you agree to defend, indemnify, and
--
cgit v1.2.3