commit 2133d7751bb81d26ae4a184b9793de30bebe037f parent d3724dd8fcdac6a0cfd52564eca776a80acd3429 Author: Christian Grothoff <christian@grothoff.org> Date: Mon, 10 Feb 2025 14:54:56 +0100 revise ToS/PP construction logic Diffstat:
35 files changed, 61 insertions(+), 7371 deletions(-)
diff --git a/playbooks/tops-public.yml b/playbooks/tops-public.yml @@ -24,7 +24,7 @@ AUDITOR_PUB: P6B7ZS7Y1Y12S0VP0PAJ1GQGSHW8RE4NSBTP8PR254J18SK24MH0 # URL with merchants accepting this exchange. EXCHANGE_SHOPPING_URL: "https://shops.taler-ops.ch/" # Name of Terms of service resource file -EXCHANGE_TERMS_ETAG: "exchange-tos-v0" +EXCHANGE_TERMS_ETAG: "exchange-tos-tops-v0" # Name of Privacy policy resource file EXCHANGE_PP_ETAG: "exchange-pp-v0" # Full BIC of exchange account diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.html @@ -1,427 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Allgemeine Geschäftsbedingungen der Taler Operations AG</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Allgemeine Geschäftsbedingungen der Taler Operations -AG</h1> -</header> -<p>Diese Allgemeinen Geschäftsbedingungen (nachfolgend -<strong>AGB</strong>) der Taler Operations AG regeln die Rechte und -Pflichten von Nutzern und Zahlungsempfängern (Begünstigten) des -angebotenen Zahlungsdiensts. Mit der Nutzung des Zahlungsdiensts -akzeptieren die Nutzer automatisch diese AGB.</p> -<h1 id="dienstleistung-geltungsbereich">Dienstleistung; -Geltungsbereich</h1> -<p>GNU Taler ist ein technisches System, das bargeldlose Zahlungen -ermöglicht. Taler Operations AG (nachfolgend <strong>TOPS</strong>) mit -Sitz in Biel/Bienne, Schweiz, bietet einen -<strong>Zahlungsdienst</strong> auf Basis von GNU Taler für Nutzer in -der Schweiz an. TOPS ist Mitglied im VQF, einer FINMA-akkreditierten -Selbstregulierungsorganisation. TOPS wird daher nicht direkt von der -FINMA beaufsichtigt, sondern betreibt eine Finanzdienstleistung nach -Art. 6 Abs. 2 BankV ohne gewerbsmässige Bankeneigenschaft (Nichtbank) -und somit ohne Kundeneinlagensicherung.</p> -<p><strong>Nutzer</strong> sind Eigentümer von durch TOPS signierten und -in CHF denominierten Wertmarken (e-Geld), welche in Taler-Wallets in -Eigenverantwortung der Nutzer gespeichert werden und mit denen die -Nutzer bezahlen können.</p> -<p><strong>Taler-Wallets</strong> sind Produkte, die digitales Bargeld -(e-Geld) nach dem GNU Taler-Protokoll verwalten, welches ein -Zahlungsdienst emittiert und zur Zahlung an Begünstigte wieder einlöst. -Die von TOPS emittierten Wertmarken (e-CHF) können als Zahlungsmittel im -stationären Handel, an Automaten, online und in Apps bei autorisierten -Händlern oder Dienstleistungsanbietern, die dieses Zahlungsmittel -akzeptieren (nachfolgend <strong>Begünstigte</strong>), eingesetzt -werden. Nutzer können auch Zahlungen an andere Nutzer durchführen oder -das e-Geld auf ein Schweizer Bankkonto zurückübertragen.</p> -<h1 id="technische-voraussetzungen">Technische Voraussetzungen</h1> -<p>Um die angebotenen Dienste wahrnehmen zu können, müssen Nutzer ein -Taler-Wallet (elektronische Geldbörse) als Taler-App auf ihrem -Smartphone oder als Erweiterung in einem Browser auf dem PC -installieren. Die Nutzer sind frei in der Wahl ihrer -Taler-Wallet-Anwendung. Begünstigte sind ebenfalls frei in der Wahl -ihrer Taler-Wallet-Anwendung bzw. ihres Taler-Backends. Verschiedene -Lösungen werden von diversen Anbietern bereitgestellt. TOPS macht hier -keine Einschränkungen und übernimmt keine Gewährleistung für die -gewählte Lösung. Die Nutzer sind eigenverantwortlich für die Sicherheit -ihrer Taler-Wallets bzw. Taler-Backends und der darin gespeicherten -Wertmarken bzw. Transaktionsdaten.</p> -<p>Das Taler-Wallet wird von den Nutzern über die hierfür vorgesehenen -Mechanismen aufgeladen. Zum Aufbuchen der gewünschten Geldmenge wählt -man im Taler-Wallet den von TOPS betriebenen Zahlungsdienst, an den man -diese Geldmenge vom Girokonto überweist und von dem schliesslich das -Taler-Wallet die elektronischen Repräsentanten der Geldmenge abhebt. -TOPS kann weitere Aufladeoptionen einführen oder auch bestehende -Mechanismen nicht mehr anbieten. Allfällige mit der Aufladung verbundene -Transaktionsgebühren oder sonstige Gebühren sind durch die Nutzer zu -tragen. Das Guthaben der Nutzer wird nicht verzinst. Die Nutzer nehmen -zur Kenntnis, dass das Guthaben nicht von der Einlagensicherung gedeckt -ist.</p> -<p>Das Entladen des Taler-Wallet muss auf ein Schweizer Bankkonto -erfolgen. Internationale Zahlungen sind nicht erlaubt. Die Nutzer können -mit dem im Smartphone oder Webbrowser installierten Taler-Wallet -innerhalb der geltenden Limiten bei natürlichen und juristischen -Personen bezahlen, die diese Bezahloption akzeptieren und ein Schweizer -Bankkonto zum Geldempfang führen (z.B. Ladengeschäfte, Webshops, Apps -und sonstige Begünstigte). Bei einer Bezahlung wird der entsprechende -Betrag direkt vom Taler-Wallet abgebucht. Es muss im Taler-Wallet -mindestens der Transaktionsbetrag verfügbar sein. Die Nutzer anerkennen -sämtliche getätigten Zahlungen, welche mit dem Taler-Wallet von ihrem -digitalen Endgerät erfolgten, selbst wenn diese Zahlungen ohne ihre -Zustimmung erfolgt sind. Wer ein Guthaben im Taler-Wallet einlöst, hat -den Wert des Guthabens zur Zahlung verwendet.</p> -<p>Der Verarbeitungsprozess für das Erhöhen und Verringern des Guthabens -im Taler-Wallet kann je nach Mechanismus mehrere Tage in Anspruch -nehmen.</p> -<h1 id="preise-gebühren-und-limiten">Preise, Gebühren und Limiten</h1> -<p>TOPS kann die Gebühren jederzeit ändern. Änderungen haben nur Wirkung -auf nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll -konforme Taler-Wallets informieren Nutzer über Gebührenänderungen vor -dem Bezug von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach -Änderung der Gebühren gilt als Zustimmung zu den geänderten -Bedingungen.</p> -<p>Es bestehen Limiten von CHF 3.000 pro Monat und CHF 15.000 pro -Kalenderjahr für das Abheben von e-Geld von einem Girokonto bzw. für den -Empfang von Peer-to-Peer-Zahlungen zwischen Taler-Wallets mit -bestätigter Schweizer Mobilfunknummer.</p> -<h1 id="allgemeine-mitwirkungspflichten">Allgemeine -Mitwirkungspflichten</h1> -<p>Zur Nutzung des Zahlungsdiensts sind Nutzer und Begünstigte -verpflichtet, TOPS bei der Erfüllung regulatorischer und gesetzlicher -Vorgaben zu unterstützen. TOPS hält sich an alle geltenden Gesetze zur -Bekämpfung der Geldwäsche (AML) und zur Feststellung wirtschaftlich -Berechtigter. TOPS stellt sicher, dass alle privaten Daten im Einklang -mit den Schweizerischen Datenschutzbestimmungen, insbesondere dem -Schweizer Datenschutzgesetz (DSG) und der Verordnung über den -Datenschutz (DSV), behandelt werden. Insbesondere kann TOPS über die -Identität von wirtschaftlich Berechtigten Auskunft verlangen. TOPS hat -das Recht und ggf. die gesetzliche Pflicht, Nutzer und Begünstigte von -der Nutzung des Zahlungsdiensts auszuschliessen, sollten diese die -erforderlichen Auskünfte verweigern oder unwahre Angaben machen.</p> -<p>Zur Nutzung des Zahlungsdiensts gehen <em>Begünstigte</em> eine -Geschäftsbeziehung mit TOPS ein und können ggf. verpflichtet sein, sich -bei TOPS zu registrieren und die dabei verlangten Informationen zur -Verfügung zu stellen. Die Begünstigten können aufgefordert werden, -Dokumente zur ihrer Identitätsprüfung vorzulegen. Für KYC-Anfragen haben -sie 30 Tage Zeit, auf diese zu antworten. TOPS behält sich vor, zur -Erfüllung regulatorischer Vorgaben jederzeit weitere Informationen zu -verlangen.</p> -<p>Es erfolgt keine Kontenanlage der <em>Nutzer</em> bei TOPS. Erfasst -werden jedoch die IBAN-Konten von Nutzern, die CHF an TOPS überweisen, -um Wertmarken zu kaufen. Die Nutzer brauchen zum Empfang von -Peer-to-Peer-Zahlungen mindestens eine Schweizer Mobiltelefonnummer zum -Empfang von SMS zur Identifizierung.</p> -<h1 id="sorgfaltspflichten-und-andere-pflichten-der-nutzer">Sorgfaltspflichten -und andere Pflichten der Nutzer</h1> -<ol class="incremental" type="1"> -<li>Users must comply with the following duties of care when using the -payment service:</li> -</ol> -<ul class="incremental"> -<li>Das Smartphone, PC, Notebook etc. ist vor unbefugter Benutzung oder -Manipulation zu schützen (z.B. mittels Geräte- bzw. Displaysperre).</li> -<li>Im Schadenfall haben die Nutzer nach bestem Wissen zur Aufklärung -des Falls und zur Schadensminderung beizutragen. Bei strafbaren -Handlungen ist Anzeige bei der Polizei zu erstatten.</li> -<li>Vor jeder Ausführung einer Zahlung sind die Angaben zum -Zahlungsempfänger zu überprüfen, um Fehltransaktionen zu -verhindern.</li> -<li>Die Nutzer sind für die Nutzung verantwortlich und tragen sämtliche -Folgen, die sich aus der Verwendung ergeben.</li> -<li>Insbesondere werden Handlungen, die eine Drittperson unberechtigt -mit dem Taler-Wallet vornimmt, dem Eigentümer des Wallet -zugerechnet.</li> -</ul> -<ol class="incremental" start="2" type="1"> -<li><p>Users must be aware of the need to <strong>treat electronic money -like cash</strong> and to secure it in the same way, i.e. to create a -backup of the wallet data. The users of the Taler app are therefore -obliged to secure access to the digital end device and protect it from -unauthorized access. They must save the wallet’s data with a backup copy -on another device. The wallet’s export function helps to create and save -a backup of the wallet data. A lost user device with a wallet on it -without a backup on another device or data carrier means a total loss of -the credit.</p></li> -<li><p>It must be ensured that the end device with a Taler wallet -installed on it connects to the payment service via the Internet -<strong>within one year</strong> after the last transaction, otherwise -the credit balance in the wallet may be lost. The credit balance is -usually renewed one month before the end of the validity of the -electronic cash, which is approximately one year after its -withdrawal.</p></li> -<li><p>Communication from TOPS to users is generally carried out via -notifications in the GNU Taler protocol. Users are responsible for -responding to such notifications. TOPS has the right not to execute -transactions until the users provide legally required data.</p></li> -</ol> -<h1 id="haftung">Haftung</h1> -<p>TOPS haftet nicht für entstandene Verluste oder Schäden der Nutzer -aufgrund der Verwendung von GNU Taler, insbesondere nicht für Verluste -oder Schäden</p> -<ul class="incremental"> -<li>aufgrund von Übermittlungsfehlern, technischen Störungen oder -Defekten, Ausfällen und unberechtigten Zugriffen oder Eingriffen auf das -digitale Endgerät,</li> -<li>die ganz oder teilweise auf einen Verstoss der Nutzer gegen diese -AGB oder anwendbare Gesetze zurückzuführen sind,</li> -<li>aufgrund einer Störung oder eines Fehlers der Software oder der -verwendeten Hardware,</li> -<li>aufgrund von Störungen, Unterbrechungen (einschliesslich -Systemwartungsarbeiten) oder Überlastungen der relevanten -Informatiksysteme bzw. Netze,</li> -<li>aufgrund von Zahlungen, die nicht oder verzögert verarbeitet -werden,</li> -<li>die auf Handlungen oder Unterlassungen von Dritten (inkl. -Hilfspersonen der TOPS) zurückzuführen sind,</li> -</ul> -<p>es sei denn, diese Verluste oder Schäden sind auf grobe -Fahrlässigkeit oder vorsätzliches Verschulden von TOPS zurückzuführen. -TOPS ersetzt Sach- und Vermögensschäden je Schadenereignis bis höchstens -CHF 1.000. Die Haftung für Folgeschäden, entgangenen Gewinn oder -Datenverluste ist - soweit gesetzlich zulässig - in jedem Fall -ausgeschlossen.</p> -<h1 id="nutzung-missbräuche">Nutzung; Missbräuche</h1> -<p>Nutzer halten TOPS schadlos für Schäden oder Verluste, die TOPS -aufgrund der Nichteinhaltung dieser AGB oder gesetzlicher Vorgaben, -aufgrund fehlerhafter oder unvollständiger Angaben der Nutzer oder der -fehlerhaften Ausführung von Anweisungen entstehen.</p> -<p>Weicht die Nutzung erheblich vom üblichen Gebrauch ab oder bestehen -Anzeichen eines rechts- oder vertragswidrigen Verhaltens, kann TOPS die -Nutzer zur rechts- und vertragskonformen Nutzung anhalten, die -Leistungserbringung ohne Vorankündigung entschädigungslos ändern, -einschränken oder einstellen, die Geschäftsbeziehung fristlos und -entschädigungslos auflösen und gegebenenfalls Schadenersatz sowie die -Freistellung von Ansprüchen Dritter verlangen. TOPS behält sich vor, bei -Verletzung von Regeln oder Missbrauch Zahlungen an Begünstigte -zurückzuhalten.</p> -<h1 id="vorbehalte-zu-änderungen-an-diesen-agb">Vorbehalte zu Änderungen -an diesen AGB</h1> -<p>TOPS kann die AGB jederzeit ändern. Änderungen haben nur Wirkung auf -nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll -konforme Taler-Wallets informieren Nutzer über Änderungen vor dem Bezug -von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach Änderung -der AGB gilt als Zustimmung zu den geänderten Bedingungen.</p> -<p>Allfällige Gesetzesbestimmungen, die den Betrieb und die Nutzung von -digitalen Endgeräten, Zahlungsdiensten, des Internets und sonstiger -Infrastruktur regeln, bleiben vorbehalten und gelten ab ihrer -Inkraftsetzung auch für die TOPS-Dienstleistungen.</p> -<p>TOPS behält sich vor, das Angebot von Dienstleistungen jederzeit und -ohne vorherige Ankündigung zu ändern, zu beschränken oder vollständig -einzustellen, insbesondere aufgrund rechtlicher Anforderungen, -technischer Probleme, zur Verhinderung von Missbräuchen, auf behördliche -Anordnung oder aus Sicherheitsgründen.</p> -<p>TOPS kann die Vertragsbeziehungen (einschliesslich eines Guthabens) -jederzeit und ohne vorherige Information auf eine andere Gesellschaft -übertragen.</p> -<h1 id="geheimhaltung-und-datenschutz">Geheimhaltung und -Datenschutz</h1> -<p>Personenbezogene Daten werden von TOPS nur im Rahmen der Erfüllung -gesetzlicher Verpflichtungen erhoben, verarbeitet, aufbewahrt oder -weitergegeben. Beim Bezahlvorgang mit e-Geld werden keine Daten zur -Identität der Nutzer erfasst.</p> -<p>TOPS stellt Nutzern auf Anfrage technischen Support zur Verfügung. An -der Erbringung dieses Supports können Dritte beteiligt sein. Diese -erhalten hierfür Zugriff auf notwendige personenbezogene Daten zur -Kommunikation mit den Nutzern.</p> -<p>TOPS verpflichtet sich hinsichtlich der Beschaffung, Bearbeitung und -Nutzung personenbezogener Daten von Nutzern die Bestimmungen der -schweizerischen Datenschutzgesetzgebung, insbesondere des Bundesgesetzes -über den Datenschutz und der Verordnung über den Datenschutz, -einzuhalten.</p> -<p>Alle Systemdaten werden primär in der Schweiz gehostet.</p> -<p>KYC-Prozesse werden ggf. durch Dienstleister gesteuert. Diese sind -ebenfalls verpflichtet, die Daten nach Recht und Gesetz der Schweiz zu -sichern. Die eigentlichen Daten des Kernsystems werden auf -verschlüsselten Festplatten redundant (d.h. mit Backup) gespeichert und -sind nur autorisiertem Personal zugänglich. Autorisiertes Personal wird -von TOPS einer Sicherheitsprüfung unterzogen. Das gesamte Design des -Zahlungsdiensts GNU Taler wurde strikt nach den Grundsätzen -‚Privacy-by-Design‘ und ‚Privacy-by-Default‘ umgesetzt.</p> -<p>Weitere Informationen zu den Datenverarbeitungen finden sich in der -Datenschutzerklärung auf der Webseite der TOPS (www.taler-ops.ch).</p> -<h1 id="dauer-und-kündigung">Dauer und Kündigung</h1> -<p>Die Geschäftsbeziehung zwischen TOPS und Begünstigten (Händler, -Betriebe, Verkäufer und sonstige regelmässige Empfänger von -Überweisungen des Zahlungsdiensts an die begünstigten IBAN-Konten) wird -auf eine unbestimmte Dauer abgeschlossen. TOPS kann die -Geschäftsbeziehung mit den Begünstigten jederzeit - insbesondere in -Missbrauchsfällen mit sofortiger Wirkung - kündigen. Eine schriftliche -Kündigung durch TOPS erfolgt an eine der zuletzt bekanntgegebenen -Adressen der Geschäftspartner (z.B. per E-Mail oder Brief). Sollten für -über 12 Monate keine Transaktionen an die Begünstigen erfolgen, gilt die -Geschäftsbeziehung automatisch als beendet.</p> -<p>Die Nutzer von Taler-Wallets können das Guthaben in diesen jederzeit -an Bankkonten in der Schweiz zurücküberweisen lassen und so das Guthaben -saldieren. Bei einer Betriebsaufgabe des Zahlungsdiensts der TOPS werden -die Nutzer über die bevorstehende Einstellung des Zahlungsdiensts durch -das Taler-Protokoll informiert und von den Taler-Wallets aufgefordert, -das bestehende Guthaben zu saldieren. Nutzer, die diese Saldierung -unterlassen, verlieren nach 3 Monaten den Anspruch auf das danach noch -bestehende Guthaben, welches in das Eigentum der TOPS übergeht.</p> -<h1 id="anwendbares-recht-und-gerichtsstand">Anwendbares Recht und -Gerichtsstand</h1> -<p>Soweit gesetzlich zulässig unterstehen alle Rechtsbeziehungen -zwischen TOPS und Nutzern ausschliesslich dem materiellen -schweizerischen Recht, unter Ausschluss von Kollisionsrecht und unter -Ausschluss von Staatsverträgen.</p> -<p>Unter dem Vorbehalt von entgegenstehenden zwingenden gesetzlichen -Bestimmungen ist Biel ausschliesslicher Gerichtsstand und Erfüllungsort. -Für Nutzer und Begünstigte mit einem Wohnsitz ausserhalb der Schweiz ist -Biel sodann auch Betreibungsort.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.md @@ -1,115 +0,0 @@ -# Allgemeine Geschäftsbedingungen der Taler Operations AG - -Diese Allgemeinen Geschäftsbedingungen (nachfolgend **AGB**) der Taler Operations AG regeln die Rechte und Pflichten von Nutzern und Zahlungsempfängern (Begünstigten) des angebotenen Zahlungsdiensts. Mit der Nutzung des Zahlungsdiensts akzeptieren die Nutzer automatisch diese AGB. - -## Dienstleistung; Geltungsbereich - -GNU Taler ist ein technisches System, das bargeldlose Zahlungen ermöglicht. Taler Operations AG (nachfolgend **TOPS**) mit Sitz in Biel/Bienne, Schweiz, bietet einen **Zahlungsdienst** auf Basis von GNU Taler für Nutzer in der Schweiz an. TOPS ist Mitglied im VQF, einer FINMA-akkreditierten Selbstregulierungsorganisation. TOPS wird daher nicht direkt von der FINMA beaufsichtigt, sondern betreibt eine Finanzdienstleistung nach Art. 6 Abs. 2 BankV ohne gewerbsmässige Bankeneigenschaft (Nichtbank) und somit ohne Kundeneinlagensicherung. - -**Nutzer** sind Eigentümer von durch TOPS signierten und in CHF denominierten Wertmarken (e-Geld), welche in Taler-Wallets in Eigenverantwortung der Nutzer gespeichert werden und mit denen die Nutzer bezahlen können. - -**Taler-Wallets** sind Produkte, die digitales Bargeld (e-Geld) nach dem GNU Taler-Protokoll verwalten, welches ein Zahlungsdienst emittiert und zur Zahlung an Begünstigte wieder einlöst. Die von TOPS emittierten Wertmarken (e-CHF) können als Zahlungsmittel im stationären Handel, an Automaten, online und in Apps bei autorisierten Händlern oder Dienstleistungsanbietern, die dieses Zahlungsmittel akzeptieren (nachfolgend **Begünstigte**), eingesetzt werden. Nutzer können auch Zahlungen an andere Nutzer durchführen oder das e-Geld auf ein Schweizer Bankkonto zurückübertragen. - -## Technische Voraussetzungen - -Um die angebotenen Dienste wahrnehmen zu können, müssen Nutzer ein Taler-Wallet (elektronische Geldbörse) als Taler-App auf ihrem Smartphone oder als Erweiterung in einem Browser auf dem PC installieren. Die Nutzer sind frei in der Wahl ihrer Taler-Wallet-Anwendung. Begünstigte sind ebenfalls frei in der Wahl ihrer Taler-Wallet-Anwendung bzw. ihres Taler-Backends. Verschiedene Lösungen werden von diversen Anbietern bereitgestellt. TOPS macht hier keine Einschränkungen und übernimmt keine Gewährleistung für die gewählte Lösung. Die Nutzer sind eigenverantwortlich für die Sicherheit ihrer Taler-Wallets bzw. Taler-Backends und der darin gespeicherten Wertmarken bzw. Transaktionsdaten. - -Das Taler-Wallet wird von den Nutzern über die hierfür vorgesehenen Mechanismen aufgeladen. Zum Aufbuchen der gewünschten Geldmenge wählt man im Taler-Wallet den von TOPS betriebenen Zahlungsdienst, an den man diese Geldmenge vom Girokonto überweist und von dem schliesslich das Taler-Wallet die elektronischen Repräsentanten der Geldmenge abhebt. TOPS kann weitere Aufladeoptionen einführen oder auch bestehende Mechanismen nicht mehr anbieten. Allfällige mit der Aufladung verbundene Transaktionsgebühren oder sonstige Gebühren sind durch die Nutzer zu tragen. Das Guthaben der Nutzer wird nicht verzinst. Die Nutzer nehmen zur Kenntnis, dass das Guthaben nicht von der Einlagensicherung gedeckt ist. - -Das Entladen des Taler-Wallet muss auf ein Schweizer Bankkonto erfolgen. Internationale Zahlungen sind nicht erlaubt. Die Nutzer können mit dem im Smartphone oder Webbrowser installierten Taler-Wallet innerhalb der geltenden Limiten bei natürlichen und juristischen Personen bezahlen, die diese Bezahloption akzeptieren und ein Schweizer Bankkonto zum Geldempfang führen (z.B. Ladengeschäfte, Webshops, Apps und sonstige Begünstigte). Bei einer Bezahlung wird der entsprechende Betrag direkt vom Taler-Wallet abgebucht. Es muss im Taler-Wallet mindestens der Transaktionsbetrag verfügbar sein. Die Nutzer anerkennen sämtliche getätigten Zahlungen, welche mit dem Taler-Wallet von ihrem digitalen Endgerät erfolgten, selbst wenn diese Zahlungen ohne ihre Zustimmung erfolgt sind. Wer ein Guthaben im Taler-Wallet einlöst, hat den Wert des Guthabens zur Zahlung verwendet. - -Der Verarbeitungsprozess für das Erhöhen und Verringern des Guthabens im Taler-Wallet kann je nach Mechanismus mehrere Tage in Anspruch nehmen. - -## Preise, Gebühren und Limiten - -TOPS kann die Gebühren jederzeit ändern. Änderungen haben nur Wirkung auf nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll konforme Taler-Wallets informieren Nutzer über Gebührenänderungen vor dem Bezug von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach Änderung der Gebühren gilt als Zustimmung zu den geänderten Bedingungen. - -Es bestehen Limiten von CHF 3.000 pro Monat und CHF 15.000 pro Kalenderjahr für das Abheben von e-Geld von einem Girokonto bzw. für den Empfang von Peer-to-Peer-Zahlungen zwischen Taler-Wallets mit bestätigter Schweizer Mobilfunknummer. - -## Allgemeine Mitwirkungspflichten - -Zur Nutzung des Zahlungsdiensts sind Nutzer und Begünstigte verpflichtet, TOPS bei der Erfüllung regulatorischer und gesetzlicher Vorgaben zu unterstützen. TOPS hält sich an alle geltenden Gesetze zur Bekämpfung der Geldwäsche (AML) und zur Feststellung wirtschaftlich Berechtigter. TOPS stellt sicher, dass alle privaten Daten im Einklang mit den Schweizerischen Datenschutzbestimmungen, insbesondere dem Schweizer Datenschutzgesetz (DSG) und der Verordnung über den Datenschutz (DSV), behandelt werden. Insbesondere kann TOPS über die Identität von wirtschaftlich Berechtigten Auskunft verlangen. TOPS hat das Recht und ggf. die gesetzliche Pflicht, Nutzer und Begünstigte von der Nutzung des Zahlungsdiensts auszuschliessen, sollten diese die erforderlichen Auskünfte verweigern oder unwahre Angaben machen. - -Zur Nutzung des Zahlungsdiensts gehen *Begünstigte* eine Geschäftsbeziehung mit TOPS ein und können ggf. verpflichtet sein, sich bei TOPS zu registrieren und die dabei verlangten Informationen zur Verfügung zu stellen. Die Begünstigten können aufgefordert werden, Dokumente zur ihrer Identitätsprüfung vorzulegen. Für KYC-Anfragen haben sie 30 Tage Zeit, auf diese zu antworten. TOPS behält sich vor, zur Erfüllung regulatorischer Vorgaben jederzeit weitere Informationen zu verlangen. - -Es erfolgt keine Kontenanlage der *Nutzer* bei TOPS. Erfasst werden jedoch die IBAN-Konten von Nutzern, die CHF an TOPS überweisen, um Wertmarken zu kaufen. Die Nutzer brauchen zum Empfang von Peer-to-Peer-Zahlungen mindestens eine Schweizer Mobiltelefonnummer zum Empfang von SMS zur Identifizierung. - -## Sorgfaltspflichten und andere Pflichten der Nutzer - -1. -Users must comply with the following duties of care when using the payment service: - -* Das Smartphone, PC, Notebook etc. ist vor unbefugter Benutzung oder Manipulation zu schützen (z.B. mittels Geräte- bzw. Displaysperre). -* Im Schadenfall haben die Nutzer nach bestem Wissen zur Aufklärung des Falls und zur Schadensminderung beizutragen. Bei strafbaren Handlungen ist Anzeige bei der Polizei zu erstatten. -* Vor jeder Ausführung einer Zahlung sind die Angaben zum Zahlungsempfänger zu überprüfen, um Fehltransaktionen zu verhindern. -* Die Nutzer sind für die Nutzung verantwortlich und tragen sämtliche Folgen, die sich aus der Verwendung ergeben. -* Insbesondere werden Handlungen, die eine Drittperson unberechtigt mit dem Taler-Wallet vornimmt, dem Eigentümer des Wallet zugerechnet. - -2. Users must be aware of the need to **treat electronic money like cash** and to secure it in the same way, i.e. to create a backup of the wallet data. -The users of the Taler app are therefore obliged to secure access to the digital end device and protect it from unauthorized access. -They must save the wallet’s data with a backup copy on another device. The wallet’s export function helps to create and save a backup of the wallet data. -A lost user device with a wallet on it without a backup on another device or data carrier means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed on it connects to the payment service via the Internet **within one year** -after the last transaction, otherwise the credit balance in the wallet may be lost. -The credit balance is usually renewed one month before the end of the validity of the electronic cash, -which is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via notifications in the GNU Taler protocol. -Users are responsible for responding to such notifications. -TOPS has the right not to execute transactions until the users provide legally required data. - -## Haftung - -TOPS haftet nicht für entstandene Verluste oder Schäden der Nutzer aufgrund der Verwendung von GNU Taler, insbesondere nicht für Verluste oder Schäden - -* aufgrund von Übermittlungsfehlern, technischen Störungen oder Defekten, Ausfällen und unberechtigten Zugriffen oder Eingriffen auf das digitale Endgerät, -* die ganz oder teilweise auf einen Verstoss der Nutzer gegen diese AGB oder anwendbare Gesetze zurückzuführen sind, -* aufgrund einer Störung oder eines Fehlers der Software oder der verwendeten Hardware, -* aufgrund von Störungen, Unterbrechungen (einschliesslich Systemwartungsarbeiten) oder Überlastungen der relevanten Informatiksysteme bzw. Netze, -* aufgrund von Zahlungen, die nicht oder verzögert verarbeitet werden, -* die auf Handlungen oder Unterlassungen von Dritten (inkl. Hilfspersonen der TOPS) zurückzuführen sind, - -es sei denn, diese Verluste oder Schäden sind auf grobe Fahrlässigkeit oder vorsätzliches Verschulden von TOPS zurückzuführen. TOPS ersetzt Sach- und Vermögensschäden je Schadenereignis bis höchstens CHF 1.000. Die Haftung für Folgeschäden, entgangenen Gewinn oder Datenverluste ist - soweit gesetzlich zulässig - in jedem Fall ausgeschlossen. - -## Nutzung; Missbräuche - -Nutzer halten TOPS schadlos für Schäden oder Verluste, die TOPS aufgrund der Nichteinhaltung dieser AGB oder gesetzlicher Vorgaben, aufgrund fehlerhafter oder unvollständiger Angaben der Nutzer oder der fehlerhaften Ausführung von Anweisungen entstehen. - -Weicht die Nutzung erheblich vom üblichen Gebrauch ab oder bestehen Anzeichen eines rechts- oder vertragswidrigen Verhaltens, kann TOPS die Nutzer zur rechts- und vertragskonformen Nutzung anhalten, die Leistungserbringung ohne Vorankündigung entschädigungslos ändern, einschränken oder einstellen, die Geschäftsbeziehung fristlos und entschädigungslos auflösen und gegebenenfalls Schadenersatz sowie die Freistellung von Ansprüchen Dritter verlangen. TOPS behält sich vor, bei Verletzung von Regeln oder Missbrauch Zahlungen an Begünstigte zurückzuhalten. - -## Vorbehalte zu Änderungen an diesen AGB - -TOPS kann die AGB jederzeit ändern. Änderungen haben nur Wirkung auf nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll konforme Taler-Wallets informieren Nutzer über Änderungen vor dem Bezug von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach Änderung der AGB gilt als Zustimmung zu den geänderten Bedingungen. - -Allfällige Gesetzesbestimmungen, die den Betrieb und die Nutzung von digitalen Endgeräten, Zahlungsdiensten, des Internets und sonstiger Infrastruktur regeln, bleiben vorbehalten und gelten ab ihrer Inkraftsetzung auch für die TOPS-Dienstleistungen. - -TOPS behält sich vor, das Angebot von Dienstleistungen jederzeit und ohne vorherige Ankündigung zu ändern, zu beschränken oder vollständig einzustellen, insbesondere aufgrund rechtlicher Anforderungen, technischer Probleme, zur Verhinderung von Missbräuchen, auf behördliche Anordnung oder aus Sicherheitsgründen. - -TOPS kann die Vertragsbeziehungen (einschliesslich eines Guthabens) jederzeit und ohne vorherige Information auf eine andere Gesellschaft übertragen. - -## Geheimhaltung und Datenschutz - -Personenbezogene Daten werden von TOPS nur im Rahmen der Erfüllung gesetzlicher Verpflichtungen erhoben, verarbeitet, aufbewahrt oder weitergegeben. Beim Bezahlvorgang mit e-Geld werden keine Daten zur Identität der Nutzer erfasst. - -TOPS stellt Nutzern auf Anfrage technischen Support zur Verfügung. An der Erbringung dieses Supports können Dritte beteiligt sein. Diese erhalten hierfür Zugriff auf notwendige personenbezogene Daten zur Kommunikation mit den Nutzern. - -TOPS verpflichtet sich hinsichtlich der Beschaffung, Bearbeitung und Nutzung personenbezogener Daten von Nutzern die Bestimmungen der schweizerischen Datenschutzgesetzgebung, insbesondere des Bundesgesetzes über den Datenschutz und der Verordnung über den Datenschutz, einzuhalten. - -Alle Systemdaten werden primär in der Schweiz gehostet. - -KYC-Prozesse werden ggf. durch Dienstleister gesteuert. Diese sind ebenfalls verpflichtet, die Daten nach Recht und Gesetz der Schweiz zu sichern. Die eigentlichen Daten des Kernsystems werden auf verschlüsselten Festplatten redundant (d.h. mit Backup) gespeichert und sind nur autorisiertem Personal zugänglich. Autorisiertes Personal wird von TOPS einer Sicherheitsprüfung unterzogen. Das gesamte Design des Zahlungsdiensts GNU Taler wurde strikt nach den Grundsätzen ‚Privacy-by-Design‘ und ‚Privacy-by-Default‘ umgesetzt. - -Weitere Informationen zu den Datenverarbeitungen finden sich in der Datenschutzerklärung auf der Webseite der TOPS (www.taler-ops.ch). - -## Dauer und Kündigung - -Die Geschäftsbeziehung zwischen TOPS und Begünstigten (Händler, Betriebe, Verkäufer und sonstige regelmässige Empfänger von Überweisungen des Zahlungsdiensts an die begünstigten IBAN-Konten) wird auf eine unbestimmte Dauer abgeschlossen. TOPS kann die Geschäftsbeziehung mit den Begünstigten jederzeit - insbesondere in Missbrauchsfällen mit sofortiger Wirkung - kündigen. Eine schriftliche Kündigung durch TOPS erfolgt an eine der zuletzt bekanntgegebenen Adressen der Geschäftspartner (z.B. per E-Mail oder Brief). Sollten für über 12 Monate keine Transaktionen an die Begünstigen erfolgen, gilt die Geschäftsbeziehung automatisch als beendet. - -Die Nutzer von Taler-Wallets können das Guthaben in diesen jederzeit an Bankkonten in der Schweiz zurücküberweisen lassen und so das Guthaben saldieren. Bei einer Betriebsaufgabe des Zahlungsdiensts der TOPS werden die Nutzer über die bevorstehende Einstellung des Zahlungsdiensts durch das Taler-Protokoll informiert und von den Taler-Wallets aufgefordert, das bestehende Guthaben zu saldieren. Nutzer, die diese Saldierung unterlassen, verlieren nach 3 Monaten den Anspruch auf das danach noch bestehende Guthaben, welches in das Eigentum der TOPS übergeht. - -## Anwendbares Recht und Gerichtsstand - -Soweit gesetzlich zulässig unterstehen alle Rechtsbeziehungen zwischen TOPS und Nutzern ausschliesslich dem materiellen schweizerischen Recht, unter Ausschluss von Kollisionsrecht und unter Ausschluss von Staatsverträgen. - -Unter dem Vorbehalt von entgegenstehenden zwingenden gesetzlichen Bestimmungen ist Biel ausschliesslicher Gerichtsstand und Erfüllungsort. Für Nutzer und Begünstigte mit einem Wohnsitz ausserhalb der Schweiz ist Biel sodann auch Betreibungsort. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-tops-v0.txt @@ -1,291 +0,0 @@ -# Allgemeine Geschäftsbedingungen der Taler Operations AG - -Diese Allgemeinen Geschäftsbedingungen (nachfolgend **AGB**) der Taler -Operations AG regeln die Rechte und Pflichten von Nutzern und -Zahlungsempfängern (Begünstigten) des angebotenen Zahlungsdiensts. Mit -der Nutzung des Zahlungsdiensts akzeptieren die Nutzer automatisch diese -AGB. - -## Dienstleistung; Geltungsbereich - -GNU Taler ist ein technisches System, das bargeldlose Zahlungen -ermöglicht. Taler Operations AG (nachfolgend **TOPS**) mit Sitz in -Biel/Bienne, Schweiz, bietet einen **Zahlungsdienst** auf Basis von GNU -Taler für Nutzer in der Schweiz an. TOPS ist Mitglied im VQF, einer -FINMA-akkreditierten Selbstregulierungsorganisation. TOPS wird daher -nicht direkt von der FINMA beaufsichtigt, sondern betreibt eine -Finanzdienstleistung nach Art. 6 Abs. 2 BankV ohne gewerbsmässige -Bankeneigenschaft (Nichtbank) und somit ohne Kundeneinlagensicherung. - -**Nutzer** sind Eigentümer von durch TOPS signierten und in CHF -denominierten Wertmarken (e-Geld), welche in Taler-Wallets in -Eigenverantwortung der Nutzer gespeichert werden und mit denen die -Nutzer bezahlen können. - -**Taler-Wallets** sind Produkte, die digitales Bargeld (e-Geld) nach dem -GNU Taler-Protokoll verwalten, welches ein Zahlungsdienst emittiert und -zur Zahlung an Begünstigte wieder einlöst. Die von TOPS emittierten -Wertmarken (e-CHF) können als Zahlungsmittel im stationären Handel, an -Automaten, online und in Apps bei autorisierten Händlern oder -Dienstleistungsanbietern, die dieses Zahlungsmittel akzeptieren -(nachfolgend **Begünstigte**), eingesetzt werden. Nutzer können auch -Zahlungen an andere Nutzer durchführen oder das e-Geld auf ein Schweizer -Bankkonto zurückübertragen. - -## Technische Voraussetzungen - -Um die angebotenen Dienste wahrnehmen zu können, müssen Nutzer ein -Taler-Wallet (elektronische Geldbörse) als Taler-App auf ihrem -Smartphone oder als Erweiterung in einem Browser auf dem PC -installieren. Die Nutzer sind frei in der Wahl ihrer -Taler-Wallet-Anwendung. Begünstigte sind ebenfalls frei in der Wahl -ihrer Taler-Wallet-Anwendung bzw. ihres Taler-Backends. Verschiedene -Lösungen werden von diversen Anbietern bereitgestellt. TOPS macht hier -keine Einschränkungen und übernimmt keine Gewährleistung für die -gewählte Lösung. Die Nutzer sind eigenverantwortlich für die Sicherheit -ihrer Taler-Wallets bzw. Taler-Backends und der darin gespeicherten -Wertmarken bzw. Transaktionsdaten. - -Das Taler-Wallet wird von den Nutzern über die hierfür vorgesehenen -Mechanismen aufgeladen. Zum Aufbuchen der gewünschten Geldmenge wählt -man im Taler-Wallet den von TOPS betriebenen Zahlungsdienst, an den man -diese Geldmenge vom Girokonto überweist und von dem schliesslich das -Taler-Wallet die elektronischen Repräsentanten der Geldmenge abhebt. -TOPS kann weitere Aufladeoptionen einführen oder auch bestehende -Mechanismen nicht mehr anbieten. Allfällige mit der Aufladung verbundene -Transaktionsgebühren oder sonstige Gebühren sind durch die Nutzer zu -tragen. Das Guthaben der Nutzer wird nicht verzinst. Die Nutzer nehmen -zur Kenntnis, dass das Guthaben nicht von der Einlagensicherung gedeckt -ist. - -Das Entladen des Taler-Wallet muss auf ein Schweizer Bankkonto erfolgen. -Internationale Zahlungen sind nicht erlaubt. Die Nutzer können mit dem -im Smartphone oder Webbrowser installierten Taler-Wallet innerhalb der -geltenden Limiten bei natürlichen und juristischen Personen bezahlen, -die diese Bezahloption akzeptieren und ein Schweizer Bankkonto zum -Geldempfang führen (z.B. Ladengeschäfte, Webshops, Apps und sonstige -Begünstigte). Bei einer Bezahlung wird der entsprechende Betrag direkt -vom Taler-Wallet abgebucht. Es muss im Taler-Wallet mindestens der -Transaktionsbetrag verfügbar sein. Die Nutzer anerkennen sämtliche -getätigten Zahlungen, welche mit dem Taler-Wallet von ihrem digitalen -Endgerät erfolgten, selbst wenn diese Zahlungen ohne ihre Zustimmung -erfolgt sind. Wer ein Guthaben im Taler-Wallet einlöst, hat den Wert des -Guthabens zur Zahlung verwendet. - -Der Verarbeitungsprozess für das Erhöhen und Verringern des Guthabens im -Taler-Wallet kann je nach Mechanismus mehrere Tage in Anspruch nehmen. - -## Preise, Gebühren und Limiten - -TOPS kann die Gebühren jederzeit ändern. Änderungen haben nur Wirkung -auf nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll -konforme Taler-Wallets informieren Nutzer über Gebührenänderungen vor -dem Bezug von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach -Änderung der Gebühren gilt als Zustimmung zu den geänderten Bedingungen. - -Es bestehen Limiten von CHF 3.000 pro Monat und CHF 15.000 pro -Kalenderjahr für das Abheben von e-Geld von einem Girokonto bzw. für den -Empfang von Peer-to-Peer-Zahlungen zwischen Taler-Wallets mit -bestätigter Schweizer Mobilfunknummer. - -## Allgemeine Mitwirkungspflichten - -Zur Nutzung des Zahlungsdiensts sind Nutzer und Begünstigte -verpflichtet, TOPS bei der Erfüllung regulatorischer und gesetzlicher -Vorgaben zu unterstützen. TOPS hält sich an alle geltenden Gesetze zur -Bekämpfung der Geldwäsche (AML) und zur Feststellung wirtschaftlich -Berechtigter. TOPS stellt sicher, dass alle privaten Daten im Einklang -mit den Schweizerischen Datenschutzbestimmungen, insbesondere dem -Schweizer Datenschutzgesetz (DSG) und der Verordnung über den -Datenschutz (DSV), behandelt werden. Insbesondere kann TOPS über die -Identität von wirtschaftlich Berechtigten Auskunft verlangen. TOPS hat -das Recht und ggf. die gesetzliche Pflicht, Nutzer und Begünstigte von -der Nutzung des Zahlungsdiensts auszuschliessen, sollten diese die -erforderlichen Auskünfte verweigern oder unwahre Angaben machen. - -Zur Nutzung des Zahlungsdiensts gehen *Begünstigte* eine -Geschäftsbeziehung mit TOPS ein und können ggf. verpflichtet sein, sich -bei TOPS zu registrieren und die dabei verlangten Informationen zur -Verfügung zu stellen. Die Begünstigten können aufgefordert werden, -Dokumente zur ihrer Identitätsprüfung vorzulegen. Für KYC-Anfragen haben -sie 30 Tage Zeit, auf diese zu antworten. TOPS behält sich vor, zur -Erfüllung regulatorischer Vorgaben jederzeit weitere Informationen zu -verlangen. - -Es erfolgt keine Kontenanlage der *Nutzer* bei TOPS. Erfasst werden -jedoch die IBAN-Konten von Nutzern, die CHF an TOPS überweisen, um -Wertmarken zu kaufen. Die Nutzer brauchen zum Empfang von -Peer-to-Peer-Zahlungen mindestens eine Schweizer Mobiltelefonnummer zum -Empfang von SMS zur Identifizierung. - -## Sorgfaltspflichten und andere Pflichten der Nutzer - -1. Users must comply with the following duties of care when using the - payment service: - -- Das Smartphone, PC, Notebook etc. ist vor unbefugter Benutzung oder - Manipulation zu schützen (z.B. mittels Geräte- bzw. Displaysperre). -- Im Schadenfall haben die Nutzer nach bestem Wissen zur Aufklärung - des Falls und zur Schadensminderung beizutragen. Bei strafbaren - Handlungen ist Anzeige bei der Polizei zu erstatten. -- Vor jeder Ausführung einer Zahlung sind die Angaben zum - Zahlungsempfänger zu überprüfen, um Fehltransaktionen zu verhindern. -- Die Nutzer sind für die Nutzung verantwortlich und tragen sämtliche - Folgen, die sich aus der Verwendung ergeben. -- Insbesondere werden Handlungen, die eine Drittperson unberechtigt - mit dem Taler-Wallet vornimmt, dem Eigentümer des Wallet - zugerechnet. - -2. Users must be aware of the need to **treat electronic money like - cash** and to secure it in the same way, i.e. to create a backup of - the wallet data. The users of the Taler app are therefore obliged to - secure access to the digital end device and protect it from - unauthorized access. They must save the wallet's data with a backup - copy on another device. The wallet's export function helps to create - and save a backup of the wallet data. A lost user device with a - wallet on it without a backup on another device or data carrier - means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed - on it connects to the payment service via the Internet **within one - year** after the last transaction, otherwise the credit balance in - the wallet may be lost. The credit balance is usually renewed one - month before the end of the validity of the electronic cash, which - is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via - notifications in the GNU Taler protocol. Users are responsible for - responding to such notifications. TOPS has the right not to execute - transactions until the users provide legally required data. - -## Haftung - -TOPS haftet nicht für entstandene Verluste oder Schäden der Nutzer -aufgrund der Verwendung von GNU Taler, insbesondere nicht für Verluste -oder Schäden - -- aufgrund von Übermittlungsfehlern, technischen Störungen oder - Defekten, Ausfällen und unberechtigten Zugriffen oder Eingriffen auf - das digitale Endgerät, -- die ganz oder teilweise auf einen Verstoss der Nutzer gegen diese - AGB oder anwendbare Gesetze zurückzuführen sind, -- aufgrund einer Störung oder eines Fehlers der Software oder der - verwendeten Hardware, -- aufgrund von Störungen, Unterbrechungen (einschliesslich - Systemwartungsarbeiten) oder Überlastungen der relevanten - Informatiksysteme bzw. Netze, -- aufgrund von Zahlungen, die nicht oder verzögert verarbeitet werden, -- die auf Handlungen oder Unterlassungen von Dritten (inkl. - Hilfspersonen der TOPS) zurückzuführen sind, - -es sei denn, diese Verluste oder Schäden sind auf grobe Fahrlässigkeit -oder vorsätzliches Verschulden von TOPS zurückzuführen. TOPS ersetzt -Sach- und Vermögensschäden je Schadenereignis bis höchstens CHF 1.000. -Die Haftung für Folgeschäden, entgangenen Gewinn oder Datenverluste -ist - soweit gesetzlich zulässig - in jedem Fall ausgeschlossen. - -## Nutzung; Missbräuche - -Nutzer halten TOPS schadlos für Schäden oder Verluste, die TOPS aufgrund -der Nichteinhaltung dieser AGB oder gesetzlicher Vorgaben, aufgrund -fehlerhafter oder unvollständiger Angaben der Nutzer oder der -fehlerhaften Ausführung von Anweisungen entstehen. - -Weicht die Nutzung erheblich vom üblichen Gebrauch ab oder bestehen -Anzeichen eines rechts- oder vertragswidrigen Verhaltens, kann TOPS die -Nutzer zur rechts- und vertragskonformen Nutzung anhalten, die -Leistungserbringung ohne Vorankündigung entschädigungslos ändern, -einschränken oder einstellen, die Geschäftsbeziehung fristlos und -entschädigungslos auflösen und gegebenenfalls Schadenersatz sowie die -Freistellung von Ansprüchen Dritter verlangen. TOPS behält sich vor, bei -Verletzung von Regeln oder Missbrauch Zahlungen an Begünstigte -zurückzuhalten. - -## Vorbehalte zu Änderungen an diesen AGB - -TOPS kann die AGB jederzeit ändern. Änderungen haben nur Wirkung auf -nach der Änderung bezogene Wertmarken. Mit dem GNU Taler-Protokoll -konforme Taler-Wallets informieren Nutzer über Änderungen vor dem Bezug -von neuen Wertmarken. Der Bezug von Wertmarken der TOPS nach Änderung -der AGB gilt als Zustimmung zu den geänderten Bedingungen. - -Allfällige Gesetzesbestimmungen, die den Betrieb und die Nutzung von -digitalen Endgeräten, Zahlungsdiensten, des Internets und sonstiger -Infrastruktur regeln, bleiben vorbehalten und gelten ab ihrer -Inkraftsetzung auch für die TOPS-Dienstleistungen. - -TOPS behält sich vor, das Angebot von Dienstleistungen jederzeit und -ohne vorherige Ankündigung zu ändern, zu beschränken oder vollständig -einzustellen, insbesondere aufgrund rechtlicher Anforderungen, -technischer Probleme, zur Verhinderung von Missbräuchen, auf behördliche -Anordnung oder aus Sicherheitsgründen. - -TOPS kann die Vertragsbeziehungen (einschliesslich eines Guthabens) -jederzeit und ohne vorherige Information auf eine andere Gesellschaft -übertragen. - -## Geheimhaltung und Datenschutz - -Personenbezogene Daten werden von TOPS nur im Rahmen der Erfüllung -gesetzlicher Verpflichtungen erhoben, verarbeitet, aufbewahrt oder -weitergegeben. Beim Bezahlvorgang mit e-Geld werden keine Daten zur -Identität der Nutzer erfasst. - -TOPS stellt Nutzern auf Anfrage technischen Support zur Verfügung. An -der Erbringung dieses Supports können Dritte beteiligt sein. Diese -erhalten hierfür Zugriff auf notwendige personenbezogene Daten zur -Kommunikation mit den Nutzern. - -TOPS verpflichtet sich hinsichtlich der Beschaffung, Bearbeitung und -Nutzung personenbezogener Daten von Nutzern die Bestimmungen der -schweizerischen Datenschutzgesetzgebung, insbesondere des Bundesgesetzes -über den Datenschutz und der Verordnung über den Datenschutz, -einzuhalten. - -Alle Systemdaten werden primär in der Schweiz gehostet. - -KYC-Prozesse werden ggf. durch Dienstleister gesteuert. Diese sind -ebenfalls verpflichtet, die Daten nach Recht und Gesetz der Schweiz zu -sichern. Die eigentlichen Daten des Kernsystems werden auf -verschlüsselten Festplatten redundant (d.h. mit Backup) gespeichert und -sind nur autorisiertem Personal zugänglich. Autorisiertes Personal wird -von TOPS einer Sicherheitsprüfung unterzogen. Das gesamte Design des -Zahlungsdiensts GNU Taler wurde strikt nach den Grundsätzen -‚Privacy-by-Design' und ‚Privacy-by-Default' umgesetzt. - -Weitere Informationen zu den Datenverarbeitungen finden sich in der -Datenschutzerklärung auf der Webseite der TOPS (www.taler-ops.ch). - -## Dauer und Kündigung - -Die Geschäftsbeziehung zwischen TOPS und Begünstigten (Händler, -Betriebe, Verkäufer und sonstige regelmässige Empfänger von -Überweisungen des Zahlungsdiensts an die begünstigten IBAN-Konten) wird -auf eine unbestimmte Dauer abgeschlossen. TOPS kann die -Geschäftsbeziehung mit den Begünstigten jederzeit - insbesondere in -Missbrauchsfällen mit sofortiger Wirkung - kündigen. Eine schriftliche -Kündigung durch TOPS erfolgt an eine der zuletzt bekanntgegebenen -Adressen der Geschäftspartner (z.B. per E-Mail oder Brief). Sollten für -über 12 Monate keine Transaktionen an die Begünstigen erfolgen, gilt die -Geschäftsbeziehung automatisch als beendet. - -Die Nutzer von Taler-Wallets können das Guthaben in diesen jederzeit an -Bankkonten in der Schweiz zurücküberweisen lassen und so das Guthaben -saldieren. Bei einer Betriebsaufgabe des Zahlungsdiensts der TOPS werden -die Nutzer über die bevorstehende Einstellung des Zahlungsdiensts durch -das Taler-Protokoll informiert und von den Taler-Wallets aufgefordert, -das bestehende Guthaben zu saldieren. Nutzer, die diese Saldierung -unterlassen, verlieren nach 3 Monaten den Anspruch auf das danach noch -bestehende Guthaben, welches in das Eigentum der TOPS übergeht. - -## Anwendbares Recht und Gerichtsstand - -Soweit gesetzlich zulässig unterstehen alle Rechtsbeziehungen zwischen -TOPS und Nutzern ausschliesslich dem materiellen schweizerischen Recht, -unter Ausschluss von Kollisionsrecht und unter Ausschluss von -Staatsverträgen. - -Unter dem Vorbehalt von entgegenstehenden zwingenden gesetzlichen -Bestimmungen ist Biel ausschliesslicher Gerichtsstand und Erfüllungsort. -Für Nutzer und Begünstigte mit einem Wohnsitz ausserhalb der Schweiz ist -Biel sodann auch Betreibungsort. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.html @@ -1,449 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Allgemeine Geschäftsbedingungen der Taler Operations AG</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Allgemeine Geschäftsbedingungen der Taler Operations -AG</h1> -</header> -<h1 id="datum-3.10.2024">Datum: 3.10.2024</h1> -<p>Diese Allgemeinen Geschäftsbedingungen (nachfolgend -<strong>AGB</strong>) der Taler Operations AG regeln die Rechte und -Pflichten von Nutzern und Zahlungsempfängern (Begünstigten) des -angebotenen Zahlungsdiensts. Mit der Nutzung des Zahlungsdiensts -akzeptieren die Nutzer automatisch diese AGB.</p> -<h1 id="dienstleistung-geltungsbereich">Dienstleistung; -Geltungsbereich</h1> -<p>GNU Taler ist ein technisches System, das bargeldlose Zahlungen -ermöglicht. Taler Operations AG (nachfolgend <strong>TOPS</strong>) mit -Sitz in Biel/Bienne, Schweiz, bietet einen -<strong>Zahlungsdienst</strong> auf Basis von GNU Taler für Nutzer in -der Schweiz an. TOPS ist Mitglied im VQF, einer FINMA-akkreditierten -Selbstregulierungsorganisation. TOPS wird daher nicht direkt von der -FINMA beaufsichtigt, sondern betreibt eine Finanzdienstleistung nach -Art. 6 Abs. 2 BankV ohne gewerbsmässige Bankeneigenschaft (Nichtbank) -und somit ohne Kundeneinlagensicherung.**Nutzer** sind Eigentümer von -durch TOPS signierten und in CHF denominierten Wertmarken (e-Geld), -welche in Taler-Wallets in Eigenverantwortung der Nutzer gespeichert -werden und mit denen die Nutzer bezahlen können.**Taler-Wallets** sind -Produkte, die digitales Bargeld (e-Geld) nach dem GNU Taler-Protokoll -verwalten, welches ein Zahlungsdienst emittiert und zur Zahlung an -Begünstigte wieder einlöst. Die von TOPS emittierten Wertmarken (e-CHF) -können als Zahlungsmittel im stationären Handel, an Automaten, online -und in Apps bei autorisierten Händlern oder Dienstleistungsanbietern, -die dieses Zahlungsmittel akzeptieren (nachfolgend -<strong>Begünstigte</strong>), eingesetzt werden. Nutzer können auch -Zahlungen an andere Nutzer durchführen oder das e-Geld auf ein Schweizer -Bankkonto zurückübertragen.</p> -<h1 id="highlights">Highlights:</h1> -<ul class="incremental"> -<li>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.</li> -<li>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.</li> -<li>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.</li> -<li>You agree to not intentionally overwhelm our systems with requests -and follow responsible disclosure if you find security issues in our -services.</li> -<li>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.</li> -</ul> -<p>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 <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>. If -you do not agree to this Agreement, you must not use our Services.</p> -<h1 id="how-you-accept-this-policy">How you accept this policy</h1> -<p>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.</p> -<h1 id="services">Services</h1> -<p>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.</p> -<p>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 <a href="mailto:security@taler-systems.com">security@taler-systems.com</a> -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.</p> -<h1 id="fees">Fees</h1> -<p>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.</p> -<h1 id="eligibility-and-financial-self-responsibility">Eligibility and -Financial self-responsibility</h1> -<p>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.</p> -<p>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.</p> -<h1 id="copyrights-and-trademarks">Copyrights and trademarks</h1> -<p>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 on the GNU GPL Licenses page (<a href="https://www.gnu.org/licenses/">https://www.gnu.org/licenses/</a>). -“Taler” itself is a trademark of Taler Systems SA. You are welcome to -use the name in relation to processing payments based on the Taler -protocol, assuming your use is compatible with an official release from -the GNU Project that is not older than two years.</p> -<h1 id="limitation-of-liability-disclaimer-of-warranties">Limitation of -liability & disclaimer of warranties</h1> -<p>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:</p> -<ol class="incremental" type="1"> -<li>user error such as forgotten passwords, incorrectly constructed -transactions;</li> -<li>server failure or data loss;</li> -<li>unauthorized access to the Taler Wallet application;</li> -<li>bugs or other errors in the Taler Wallet software; and</li> -</ol> -<ol class="incremental" start="5" type="1"> -<li>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.</li> -</ol> -<p>Any other terms, conditions, warranties, or representations -associated with such content, are solely between you and such -organizations and/or individuals.</p> -<p>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:</p> -<ol class="incremental" type="1"> -<li>any direct damages or</li> -</ol> -<ol class="incremental" start="2" type="1"> -<li>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:</li> -</ol> -<ul class="incremental"> -<li>your use of, or conduct in connection with, our services;</li> -<li>any unauthorized use of your wallet and/or private key due to your -failure to maintain the confidentiality of your wallet;</li> -<li>any interruption or cessation of transmission to or from the -services; or</li> -<li>any bugs, viruses, trojan horses, or the like that are found in the -Taler Wallet software</li> -</ul> -<p>or that may be transmitted to or through our services by any third -party (regardless of the source of origination).</p> -<p>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.</p> -<p>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.</p> -<h1 id="indemnity-and-time-limitation-on-claims-and-termination">Indemnity -and Time limitation on claims and Termination</h1> -<p>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.</p> -<p>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.</p> -<p>In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue.</p> -<h1 id="discontinuance-of-services-and-force-majeure">Discontinuance of -services and Force majeure</h1> -<p>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.</p> -<p>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.</p> -<h1 id="governing-law-waivers-severability-and-assignment">Governing -law, Waivers, Severability and Assignment</h1> -<p>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.</p> -<p>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.</p> -<p>You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms.</p> -<p>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.</p> -<p>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.</p> -<h1 id="questions-or-comments">Questions or comments</h1> -<p>We welcome comments, questions, concerns, or suggestions. Please send -us a message on our contact page at <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.md @@ -1,253 +0,0 @@ -# Allgemeine Geschäftsbedingungen der Taler Operations AG - -## Datum: 3.10.2024 - -Diese Allgemeinen Geschäftsbedingungen (nachfolgend **AGB**) der Taler Operations AG regeln die Rechte und Pflichten von Nutzern und Zahlungsempfängern (Begünstigten) des angebotenen Zahlungsdiensts. Mit der Nutzung des Zahlungsdiensts akzeptieren die Nutzer automatisch diese AGB. - -## Dienstleistung; Geltungsbereich - -GNU Taler ist ein technisches System, das bargeldlose Zahlungen ermöglicht. Taler Operations AG (nachfolgend **TOPS**) mit Sitz in Biel/Bienne, Schweiz, bietet einen **Zahlungsdienst** auf Basis von GNU Taler für Nutzer in der Schweiz an. TOPS ist Mitglied im VQF, einer FINMA-akkreditierten Selbstregulierungsorganisation. TOPS wird daher nicht direkt von der FINMA beaufsichtigt, sondern betreibt eine Finanzdienstleistung nach Art. 6 Abs. 2 BankV ohne gewerbsmässige Bankeneigenschaft (Nichtbank) und somit ohne Kundeneinlagensicherung.\*\*Nutzer\*\* sind Eigentümer von durch TOPS signierten und in CHF denominierten Wertmarken (e-Geld), welche in Taler-Wallets in Eigenverantwortung der Nutzer gespeichert werden und mit denen die Nutzer bezahlen können.\*\*Taler-Wallets\*\* sind Produkte, die digitales Bargeld (e-Geld) nach dem GNU Taler-Protokoll verwalten, welches ein Zahlungsdienst emittiert und zur Zahlung an Begünstigte wieder einlöst. Die von TOPS emittierten Wertmarken (e-CHF) können als Zahlungsmittel im stationären Handel, an Automaten, online und in Apps bei autorisierten Händlern oder Dienstleistungsanbietern, die dieses Zahlungsmittel akzeptieren (nachfolgend **Begünstigte**), eingesetzt werden. Nutzer können auch Zahlungen an andere Nutzer durchführen oder das e-Geld auf ein Schweizer Bankkonto zurückübertragen. - -## 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](mailto: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. - -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](mailto: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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -([https://www.gnu.org/licenses/](https://www.gnu.org/licenses/)). “Taler” itself is a trademark -of Taler Systems SA. You are welcome to use the name in relation to processing -payments based on the Taler protocol, assuming your use is compatible with an -official release from the GNU Project that is not older than two years. - -## 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. - -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 direct damages or - -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, sub-contract, -or delegate any of our obligations under these Terms. - -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. - -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](mailto:legal@taler-systems.com). diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/de/exchange-tos-v0.txt @@ -1,320 +0,0 @@ -# Allgemeine Geschäftsbedingungen der Taler Operations AG - -## Datum: 3.10.2024 - -Diese Allgemeinen Geschäftsbedingungen (nachfolgend **AGB**) der Taler -Operations AG regeln die Rechte und Pflichten von Nutzern und -Zahlungsempfängern (Begünstigten) des angebotenen Zahlungsdiensts. Mit -der Nutzung des Zahlungsdiensts akzeptieren die Nutzer automatisch diese -AGB. - -## Dienstleistung; Geltungsbereich - -GNU Taler ist ein technisches System, das bargeldlose Zahlungen -ermöglicht. Taler Operations AG (nachfolgend **TOPS**) mit Sitz in -Biel/Bienne, Schweiz, bietet einen **Zahlungsdienst** auf Basis von GNU -Taler für Nutzer in der Schweiz an. TOPS ist Mitglied im VQF, einer -FINMA-akkreditierten Selbstregulierungsorganisation. TOPS wird daher -nicht direkt von der FINMA beaufsichtigt, sondern betreibt eine -Finanzdienstleistung nach Art. 6 Abs. 2 BankV ohne gewerbsmässige -Bankeneigenschaft (Nichtbank) und somit ohne -Kundeneinlagensicherung.\*\*Nutzer\*\* sind Eigentümer von durch TOPS -signierten und in CHF denominierten Wertmarken (e-Geld), welche in -Taler-Wallets in Eigenverantwortung der Nutzer gespeichert werden und -mit denen die Nutzer bezahlen können.\*\*Taler-Wallets\*\* sind -Produkte, die digitales Bargeld (e-Geld) nach dem GNU Taler-Protokoll -verwalten, welches ein Zahlungsdienst emittiert und zur Zahlung an -Begünstigte wieder einlöst. Die von TOPS emittierten Wertmarken (e-CHF) -können als Zahlungsmittel im stationären Handel, an Automaten, online -und in Apps bei autorisierten Händlern oder Dienstleistungsanbietern, -die dieses Zahlungsmittel akzeptieren (nachfolgend **Begünstigte**), -eingesetzt werden. Nutzer können auch Zahlungen an andere Nutzer -durchführen oder das e-Geld auf ein Schweizer Bankkonto -zurückübertragen. - -## 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. - -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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -(<https://www.gnu.org/licenses/>). "Taler" itself is a trademark of -Taler Systems SA. You are welcome to use the name in relation to -processing payments based on the Taler protocol, assuming your use is -compatible with an official release from the GNU Project that is not -older than two years. - -## 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 - -```{=html} -<!-- --> -``` -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. - -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 direct damages or - -```{=html} -<!-- --> -``` -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms. - -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. - -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>. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.html @@ -1,352 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Privacy Policy</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Privacy Policy</h1> -</header> -<p>Last Updated: 11.12.2019</p> -<p>This Privacy Policy describes the policies and procedures of Taler -Systems SA (“we,” “our,” or “us”) pertaining to the collection, use, and -disclosure of your information on our sites and related mobile -applications and products we offer (the “Services” or “Taler Wallet”). -This Privacy Statement applies to your personal data when you use our -Services, and does not apply to online websites or services that we do -not own or control.</p> -<h1 id="overview">Overview</h1> -<p>Your privacy is important to us. We follow a few fundamental -principles: We don’t ask you for personally identifiable information -(defined below). That being said, your contact information, such as your -phone number, social media handle, or email address (depending on how -you contact us), may be collected when you communicate with us, for -example to report a bug or other error related to the Taler Wallet. We -don’t share your information with third parties except when strictly -required to deliver you our Services and products, or to comply with the -law. If you have any questions or concerns about this policy, please -reach out to us at <a href="mailto:privacy@taler-systems.net">privacy@taler-systems.net</a>.</p> -<h1 id="how-you-accept-this-policy">How you accept this policy</h1> -<p>By using our Services or visiting our sites, you agree to the use, -disclosure, and procedures outlined in this Privacy Policy.</p> -<h1 id="what-personal-information-do-we-collect-from-our-users">What -personal information do we collect from our users?</h1> -<p>The information we collect from you falls into two categories: (i) -personally identifiable information (i.e., data that could potentially -identify you as an individual) (“Personal Information”), and (ii) -non-personally identifiable information (i.e., information that cannot -be used to identify who you are) (“Non-Personal Information”). This -Privacy Policy covers both categories and will tell you how we might -collect and use each type.</p> -<p>We do our best to not collect any Personal Information from Taler -Wallet users. We believe that the Taler Wallet never transmits personal -information to our services without at least clear implied consent, and -we only process and retain information with a strict business need. That -being said, when using our Services, we inherently have to collect the -following information:</p> -<ul class="incremental"> -<li>Bank account details necessary when receiving funds from you to -top-up your wallet or to transfer funds to you when you are being paid -via Taler. At the current experimental stage, only the pseudonym and -password you entered in the bank demonstrator is stored.</li> -<li>The amounts being withdrawn or deposited, with associated unique -transaction identifiers and cryptographic signatures authorizing the -transaction. Note that for purchases, we cannot identify the buyer from -the collected data, so when you spend money, we only receive -non-personal information.</li> -<li>When you contact us. We may collect certain information if you -choose to contact us, for example to report a bug or other error with -the Taler Wallet. This may include contact information such as your -name, email address or phone number depending on the method you choose -to contact us.</li> -</ul> -<h1 id="how-we-collect-and-process-information">How we collect and -process information</h1> -<p>We may process your information for the following reasons:</p> -<ul class="incremental"> -<li>to transfer money as specified by our users (Taler -transactions);</li> -<li>to assist government entities in linking income to the underlying -contract as required by law and local regulations</li> -<li>to support you using the Taler Wallet or to improve our -Services</li> -</ul> -<h1 id="how-we-share-and-use-the-information-we-gather">How we share and -use the information we gather</h1> -<p>We may share your Personal Data or other information about you only -if you are a merchant receiving income, with your bank, to the degree -necessary to execute the payment.</p> -<p>We retain Personal Data to transfer funds to the accounts designated -by our users. We may retain Personal Data only for as long as mandated -by law and required for the wire transfers.</p> -<p>We primarily use the limited information we receive directly from you -to enhance the Taler Wallet. Some ways we may use your Personal -Information are to: Contact you when necessary to respond to your -comments, answer your questions, or obtain additional information on -issues related to bugs or errors with the Taler Wallet that you -reported.</p> -<h1 id="agents-or-third-party-partners">Agents or third party -partners</h1> -<p>We may provide your Personal Information to our employees, -contractors, agents, service providers, and designees (“Agents”) to -enable them to perform certain services for us exclusively, including: -improvement and maintenance of our software and Services.</p> -<h1 id="protection-of-us-and-others">Protection of us and others</h1> -<p>We reserve the right to access, read, preserve, and disclose any -information that we reasonably believe is necessary to comply with the -law or a court order.</p> -<h1 id="what-personal-information-can-i-access-or-change">What personal -information can I access or change?</h1> -<p>You can request access to the information we have collected from you. -You can do this by contacting us at <a href="mailto:privacy@taler-systems.net">privacy@taler-systems.net</a>. -We will make sure to provide you with a copy of the data we process -about you. To comply with your request, we may ask you to verify your -identity. We will fulfill your request by sending your copy -electronically. For any subsequent access request, we may charge you -with an administrative fee. If you believe that the information we have -collected is incorrect, you are welcome to contact us so we can update -it and keep your data accurate. Any data that is no longer needed for -purposes specified in the “How We Use the Information We Gather” section -will be deleted after ninety (90) days.</p> -<h1 id="what-are-your-data-protection-rights">What are your data -protection rights?</h1> -<p>Anastasis would like to make sure you are fully aware of all of your -data protection rights. Every user is entitled to the following:</p> -<dl class="incremental"> -<dt><strong>The right to access</strong>: You have the right to request -Anastasis for</dt> -<dd> -copies of your personal data. We may charge you a small fee for this -service. -</dd> -</dl> -<p><strong>The right to rectification</strong>: You have the right to -request that Anastasis correct any information you believe is -inaccurate. You also have the right to request Anastasis to complete -information you believe is incomplete. The right to erasure - You have -the right to request that Anastasis erase your personal data, under -certain conditions.</p> -<dl class="incremental"> -<dt><strong>The right to restrict processing</strong>: You have the -right to request</dt> -<dd> -that Anastasis restrict the processing of your personal data, under -certain conditions. -</dd> -<dt><strong>The right to object to processing</strong>: You have the -right to object to</dt> -<dd> -Anastasis’s processing of your personal data, under certain conditions. -</dd> -<dt><strong>The right to data portability</strong>: You have the right -to request that</dt> -<dd> -Anastasis transfer the data that we have collected to another -organization, or directly to you, under certain conditions. -</dd> -</dl> -<p>If you make a request, we have one month to respond to you. If you -would like to exercise any of these rights, please contact us at our -email: <a href="mailto:privacy@taler-systems.com">privacy@taler-systems.com</a></p> -<p>You can always contact your local data protection authority to -enforce your rights.</p> -<h1 id="data-retention">Data retention</h1> -<p>If you uninstall the Taler Wallet mobile applications from your -device, or request that your information be deleted, we still may retain -some information that you have provided to us to maintain the Taler -Wallet or to comply with relevant laws.</p> -<h1 id="data-security">Data security</h1> -<p>We are committed to making sure your information is protected. We -employ several physical and electronic safeguards to keep your -information safe, including encrypted user passwords, two factor -verification and authentication on passwords where possible, and -securing connections with industry standard transport layer security. -You are also welcome to contact us using GnuPG encrypted e-mail. Even -with all these precautions, we cannot fully guarantee against the -access, disclosure, alteration, or deletion of data through events, -including but not limited to hardware or software failure or -unauthorized use. Any information that you provide to us is done so -entirely at your own risk.</p> -<h1 id="changes-and-updates-to-privacy-policy">Changes and updates to -privacy policy</h1> -<p>We reserve the right to update and revise this privacy policy at any -time. We occasionally review this Privacy Policy to make sure it -complies with applicable laws and conforms to changes in our business. -We may need to update this Privacy Policy, and we reserve the right to -do so at any time. If we do revise this Privacy Policy, we will update -the “Effective Date” at the bottom of this page so that you can tell if -it has changed since your last visit. As we generally do not collect -contact information and also do not track your visits, we will not be -able to notify you directly. However, the Taler Wallet may inform you -about a change in the privacy policy once it detects that the policy has -changed. Please review this Privacy Policy regularly to ensure that you -are aware of its terms. Any use of our Services after an amendment to -our Privacy Policy constitutes your acceptance to the revised or amended -agreement.</p> -<h1 id="international-users-and-visitors">International users and -visitors</h1> -<p>Our Services are hosted in Switzerland. If you are a user accessing -the Services from the European Union, Asia, US, or any other region with -laws or regulations governing personal data collection, use, and -disclosure that differ from Swiss laws, please be advised that through -your continued use of the Services, which is governed by Swiss law, you -are transferring your Personal Information to Switzerland and you -consent to that transfer.</p> -<h1 id="questions">Questions</h1> -<p>Please contact us at <a href="mailto:privacy@taler-systems.net">privacy@taler-systems.net</a> if -you have questions about our privacy practices that are not addressed in -this Privacy Statement.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.md @@ -1,181 +0,0 @@ -# Privacy Policy - -Last Updated: 11.12.2019 - -This Privacy Policy describes the policies and procedures of Taler Systems SA -(“we,” “our,” or “us”) pertaining to the collection, use, and disclosure of -your information on our sites and related mobile applications and products we -offer (the “Services” or “Taler Wallet”). This Privacy Statement applies to -your personal data when you use our Services, and does not apply to online -websites or services that we do not own or control. - -## Overview - -Your privacy is important to us. We follow a few fundamental principles: We -don’t ask you for personally identifiable information (defined below). That -being said, your contact information, such as your phone number, social media -handle, or email address (depending on how you contact us), may be collected -when you communicate with us, for example to report a bug or other error -related to the Taler Wallet. We don’t share your information with third -parties except when strictly required to deliver you our Services and -products, or to comply with the law. If you have any questions or concerns -about this policy, please reach out to us at [privacy@taler-systems.net](mailto:privacy@taler-systems.net). - -## How you accept this policy - -By using our Services or visiting our sites, you agree to the use, disclosure, -and procedures outlined in this Privacy Policy. - -## What personal information do we collect from our users? - -The information we collect from you falls into two categories: (i) personally -identifiable information (i.e., data that could potentially identify you as an -individual) (“Personal Information”), and (ii) non-personally identifiable -information (i.e., information that cannot be used to identify who you are) -(“Non-Personal Information”). This Privacy Policy covers both categories and -will tell you how we might collect and use each type. - -We do our best to not collect any Personal Information from Taler Wallet -users. We believe that the Taler Wallet never transmits personal information -to our services without at least clear implied consent, and we only process -and retain information with a strict business need. That being said, when -using our Services, we inherently have to collect the following information: - -* Bank account details necessary when receiving funds from you to top-up your wallet or to transfer funds to you when you are being paid via Taler. At the current experimental stage, only the pseudonym and password you entered in the bank demonstrator is stored. -* The amounts being withdrawn or deposited, with associated unique transaction identifiers and cryptographic signatures authorizing the transaction. Note that for purchases, we cannot identify the buyer from the collected data, so when you spend money, we only receive non-personal information. -* When you contact us. We may collect certain information if you choose to contact us, for example to report a bug or other error with the Taler Wallet. This may include contact information such as your name, email address or phone number depending on the method you choose to contact us. - -## How we collect and process information - -We may process your information for the following reasons: - -* to transfer money as specified by our users (Taler transactions); -* to assist government entities in linking income to the underlying contract as required by law and local regulations -* to support you using the Taler Wallet or to improve our Services - -## How we share and use the information we gather - -We may share your Personal Data or other information about you only if you are -a merchant receiving income, with your bank, to the degree necessary to -execute the payment. - -We retain Personal Data to transfer funds to the accounts designated by our -users. We may retain Personal Data only for as long as mandated by law and -required for the wire transfers. - -We primarily use the limited information we receive directly from you to -enhance the Taler Wallet. Some ways we may use your Personal Information are -to: Contact you when necessary to respond to your comments, answer your -questions, or obtain additional information on issues related to bugs or -errors with the Taler Wallet that you reported. - -## Agents or third party partners - -We may provide your Personal Information to our employees, contractors, -agents, service providers, and designees (“Agents”) to enable them to perform -certain services for us exclusively, including: improvement and maintenance of -our software and Services. - -## Protection of us and others - -We reserve the right to access, read, preserve, and disclose any information -that we reasonably believe is necessary to comply with the law or a court -order. - -## What personal information can I access or change? - -You can request access to the information we have collected from you. You can -do this by contacting us at [privacy@taler-systems.net](mailto:privacy@taler-systems.net). We will make sure to -provide you with a copy of the data we process about you. To comply with your -request, we may ask you to verify your identity. We will fulfill your request -by sending your copy electronically. For any subsequent access request, we may -charge you with an administrative fee. If you believe that the information we -have collected is incorrect, you are welcome to contact us so we can update it -and keep your data accurate. Any data that is no longer needed for purposes -specified in the “How We Use the Information We Gather” section will be -deleted after ninety (90) days. - -## What are your data protection rights? - -Anastasis would like to make sure you are fully aware of all of your -data protection rights. Every user is entitled to the following: - -**The right to access**: You have the right to request Anastasis for -: copies of your personal data. We may charge you a small fee for this - service. - -**The right to rectification**: You have the right to request that -Anastasis correct any information you believe is inaccurate. You also -have the right to request Anastasis to complete information you -believe is incomplete. The right to erasure - You have the right to -request that Anastasis erase your personal data, under certain -conditions. - -**The right to restrict processing**: You have the right to request -: that Anastasis restrict the processing of your personal data, under - certain conditions. - -**The right to object to processing**: You have the right to object to -: Anastasis’s processing of your personal data, under certain - conditions. - -**The right to data portability**: You have the right to request that -: Anastasis transfer the data that we have collected to another - organization, or directly to you, under certain conditions. - -If you make a request, we have one month to respond to you. If you -would like to exercise any of these rights, please contact us at our -email: [privacy@taler-systems.com](mailto:privacy@taler-systems.com) - -You can always contact your local data protection authority to enforce -your rights. - -## Data retention - -If you uninstall the Taler Wallet mobile applications from your device, or -request that your information be deleted, we still may retain some information -that you have provided to us to maintain the Taler Wallet or to comply with -relevant laws. - -## Data security - -We are committed to making sure your information is protected. We employ -several physical and electronic safeguards to keep your information safe, -including encrypted user passwords, two factor verification and authentication -on passwords where possible, and securing connections with industry standard -transport layer security. You are also welcome to contact us using GnuPG -encrypted e-mail. Even with all these precautions, we cannot fully guarantee -against the access, disclosure, alteration, or deletion of data through -events, including but not limited to hardware or software failure or -unauthorized use. Any information that you provide to us is done so entirely -at your own risk. - -## Changes and updates to privacy policy - -We reserve the right to update and revise this privacy policy at any time. We -occasionally review this Privacy Policy to make sure it complies with -applicable laws and conforms to changes in our business. We may need to update -this Privacy Policy, and we reserve the right to do so at any time. If we do -revise this Privacy Policy, we will update the “Effective Date” at the bottom -of this page so that you can tell if it has changed since your last visit. As -we generally do not collect contact information and also do not track your -visits, we will not be able to notify you directly. However, the Taler Wallet -may inform you about a change in the privacy policy once it detects that the -policy has changed. Please review this Privacy Policy regularly to ensure that -you are aware of its terms. Any use of our Services after an amendment to our -Privacy Policy constitutes your acceptance to the revised or amended -agreement. - -## International users and visitors - -Our Services are hosted in Switzerland. If you are a user accessing the -Services from the European Union, Asia, US, or any other region with laws or -regulations governing personal data collection, use, and disclosure that -differ from Swiss laws, please be advised that through your continued use of -the Services, which is governed by Swiss law, you are transferring your -Personal Information to Switzerland and you consent to that transfer. - -## Questions - -Please contact us at [privacy@taler-systems.net](mailto:privacy@taler-systems.net) if you have questions about our -privacy practices that are not addressed in this Privacy Statement. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-pp-v0.txt @@ -1,201 +0,0 @@ -# Privacy Policy - -Last Updated: 11.12.2019 - -This Privacy Policy describes the policies and procedures of Taler -Systems SA ("we," "our," or "us") pertaining to the collection, use, and -disclosure of your information on our sites and related mobile -applications and products we offer (the "Services" or "Taler Wallet"). -This Privacy Statement applies to your personal data when you use our -Services, and does not apply to online websites or services that we do -not own or control. - -## Overview - -Your privacy is important to us. We follow a few fundamental principles: -We don't ask you for personally identifiable information (defined -below). That being said, your contact information, such as your phone -number, social media handle, or email address (depending on how you -contact us), may be collected when you communicate with us, for example -to report a bug or other error related to the Taler Wallet. We don't -share your information with third parties except when strictly required -to deliver you our Services and products, or to comply with the law. If -you have any questions or concerns about this policy, please reach out -to us at <privacy@taler-systems.net>. - -## How you accept this policy - -By using our Services or visiting our sites, you agree to the use, -disclosure, and procedures outlined in this Privacy Policy. - -## What personal information do we collect from our users? - -The information we collect from you falls into two categories: (i) -personally identifiable information (i.e., data that could potentially -identify you as an individual) ("Personal Information"), and (ii) -non-personally identifiable information (i.e., information that cannot -be used to identify who you are) ("Non-Personal Information"). This -Privacy Policy covers both categories and will tell you how we might -collect and use each type. - -We do our best to not collect any Personal Information from Taler Wallet -users. We believe that the Taler Wallet never transmits personal -information to our services without at least clear implied consent, and -we only process and retain information with a strict business need. That -being said, when using our Services, we inherently have to collect the -following information: - -- Bank account details necessary when receiving funds from you to - top-up your wallet or to transfer funds to you when you are being - paid via Taler. At the current experimental stage, only the - pseudonym and password you entered in the bank demonstrator is - stored. -- The amounts being withdrawn or deposited, with associated unique - transaction identifiers and cryptographic signatures authorizing the - transaction. Note that for purchases, we cannot identify the buyer - from the collected data, so when you spend money, we only receive - non-personal information. -- When you contact us. We may collect certain information if you - choose to contact us, for example to report a bug or other error - with the Taler Wallet. This may include contact information such as - your name, email address or phone number depending on the method you - choose to contact us. - -## How we collect and process information - -We may process your information for the following reasons: - -- to transfer money as specified by our users (Taler transactions); -- to assist government entities in linking income to the underlying - contract as required by law and local regulations -- to support you using the Taler Wallet or to improve our Services - -## How we share and use the information we gather - -We may share your Personal Data or other information about you only if -you are a merchant receiving income, with your bank, to the degree -necessary to execute the payment. - -We retain Personal Data to transfer funds to the accounts designated by -our users. We may retain Personal Data only for as long as mandated by -law and required for the wire transfers. - -We primarily use the limited information we receive directly from you to -enhance the Taler Wallet. Some ways we may use your Personal Information -are to: Contact you when necessary to respond to your comments, answer -your questions, or obtain additional information on issues related to -bugs or errors with the Taler Wallet that you reported. - -## Agents or third party partners - -We may provide your Personal Information to our employees, contractors, -agents, service providers, and designees ("Agents") to enable them to -perform certain services for us exclusively, including: improvement and -maintenance of our software and Services. - -## Protection of us and others - -We reserve the right to access, read, preserve, and disclose any -information that we reasonably believe is necessary to comply with the -law or a court order. - -## What personal information can I access or change? - -You can request access to the information we have collected from you. -You can do this by contacting us at <privacy@taler-systems.net>. We will -make sure to provide you with a copy of the data we process about you. -To comply with your request, we may ask you to verify your identity. We -will fulfill your request by sending your copy electronically. For any -subsequent access request, we may charge you with an administrative fee. -If you believe that the information we have collected is incorrect, you -are welcome to contact us so we can update it and keep your data -accurate. Any data that is no longer needed for purposes specified in -the "How We Use the Information We Gather" section will be deleted after -ninety (90) days. - -## What are your data protection rights? - -Anastasis would like to make sure you are fully aware of all of your -data protection rights. Every user is entitled to the following: - -**The right to access**: You have the right to request Anastasis for -: copies of your personal data. We may charge you a small fee for this - service. - -**The right to rectification**: You have the right to request that -Anastasis correct any information you believe is inaccurate. You also -have the right to request Anastasis to complete information you believe -is incomplete. The right to erasure - You have the right to request that -Anastasis erase your personal data, under certain conditions. - -**The right to restrict processing**: You have the right to request -: that Anastasis restrict the processing of your personal data, under - certain conditions. - -**The right to object to processing**: You have the right to object to -: Anastasis's processing of your personal data, under certain - conditions. - -**The right to data portability**: You have the right to request that -: Anastasis transfer the data that we have collected to another - organization, or directly to you, under certain conditions. - -If you make a request, we have one month to respond to you. If you would -like to exercise any of these rights, please contact us at our email: -<privacy@taler-systems.com> - -You can always contact your local data protection authority to enforce -your rights. - -## Data retention - -If you uninstall the Taler Wallet mobile applications from your device, -or request that your information be deleted, we still may retain some -information that you have provided to us to maintain the Taler Wallet or -to comply with relevant laws. - -## Data security - -We are committed to making sure your information is protected. We employ -several physical and electronic safeguards to keep your information -safe, including encrypted user passwords, two factor verification and -authentication on passwords where possible, and securing connections -with industry standard transport layer security. You are also welcome to -contact us using GnuPG encrypted e-mail. Even with all these -precautions, we cannot fully guarantee against the access, disclosure, -alteration, or deletion of data through events, including but not -limited to hardware or software failure or unauthorized use. Any -information that you provide to us is done so entirely at your own risk. - -## Changes and updates to privacy policy - -We reserve the right to update and revise this privacy policy at any -time. We occasionally review this Privacy Policy to make sure it -complies with applicable laws and conforms to changes in our business. -We may need to update this Privacy Policy, and we reserve the right to -do so at any time. If we do revise this Privacy Policy, we will update -the "Effective Date" at the bottom of this page so that you can tell if -it has changed since your last visit. As we generally do not collect -contact information and also do not track your visits, we will not be -able to notify you directly. However, the Taler Wallet may inform you -about a change in the privacy policy once it detects that the policy has -changed. Please review this Privacy Policy regularly to ensure that you -are aware of its terms. Any use of our Services after an amendment to -our Privacy Policy constitutes your acceptance to the revised or amended -agreement. - -## International users and visitors - -Our Services are hosted in Switzerland. If you are a user accessing the -Services from the European Union, Asia, US, or any other region with -laws or regulations governing personal data collection, use, and -disclosure that differ from Swiss laws, please be advised that through -your continued use of the Services, which is governed by Swiss law, you -are transferring your Personal Information to Switzerland and you -consent to that transfer. - -## Questions - -Please contact us at <privacy@taler-systems.net> if you have questions -about our privacy practices that are not addressed in this Privacy -Statement. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.html @@ -1,447 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Terms of Service</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Terms of Service</h1> -</header> -<p>Last update: 26.04.2024</p> -<p>Welcome! The ICE research center of the Bern University of Applied -Sciences in Switzerland (“we,” “our,” or “us”) provides an experimental -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.</p> -<h1 id="this-is-research">This is research</h1> -<p>This is a research experiment. Any funds wired to our Bitcoin address -are considered a donation to our research group. We may use them to -enable payments following the GNU Taler protocol, or simply keep them at -our discretion. The service is experimental and may also be discontinued -at any time, in which case all remaining funds will definitively be kept -by the research group.</p> -<h1 id="overview">Overview</h1> -<p>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.</p> -<h2 id="highlights">Highlights:</h2> -<ul class="incremental"> -<li>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.</li> -<li>We may transfer funds we receive from 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. -Again, we stress this is a research experiment and technically all funds -held by the exchange are owned by the research group of the -university.</li> -<li>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.</li> -<li>You agree to not intentionally overwhelm our systems with requests -and follow responsible disclosure if you find security issues in our -services.</li> -<li>We cannot be held accountable for our Services not being available -due to any circumstances. If we modify or terminate our services, we may -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.</li> -</ul> -<p>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 <a href="mailto:ice@bfh.ch">ice@bfh.ch</a>. If you do not -agree to this Agreement, you must not use our Services.</p> -<h1 id="how-you-accept-this-policy">How you accept this policy</h1> -<p>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.</p> -<h1 id="services">Services</h1> -<p>We will try to transfer funds that we receive from users to any legal -recipient to the best of our ability and within the limitations of the -law. 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 or cryptocurrencies 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 may 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 may refuse to execute transfers if the -transfers are prohibited by a competent legal authority and we are -ordered to do so.</p> -<p>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 <a href="mailto:security@taler-systems.com">security@taler-systems.com</a> -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.</p> -<h1 id="fees">Fees</h1> -<p>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.</p> -<h1 id="eligibility-and-financial-self-responsibility">Eligibility and -Financial self-responsibility</h1> -<p>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.</p> -<p>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 lose 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.</p> -<h1 id="copyrights-and-trademarks">Copyrights and Trademarks</h1> -<p>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 <a href="https://www.gnu.org/licenses/">https://www.gnu.org/licenses/</a>. -“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.</p> -<h1 id="limitation-of-liability-disclaimer-of-warranties">Limitation of -Liability, Disclaimer of Warranties</h1> -<p>You understand and agree that we have no control over and no duty to -take any action regarding:</p> -<ul class="incremental"> -<li>Failures, disruptions, errors or delays in processing that you may -experience while using our Services;</li> -<li>the risk of failure of hardware, of software or of Internet -connections;</li> -<li>the risk of malicious software being introduced or found in the -software underlying the Taler wallet;</li> -<li>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.</li> -</ul> -<p>You release us from all liability related to any losses, damages, or -claims arising from:</p> -<ul class="incremental"> -<li>user error such as forgotten passwords, incorrectly constructed -transactions;</li> -<li>server failure or data loss;</li> -<li>unauthorized access to the Taler wallet application;</li> -<li>bugs or other errors in the Taler wallet software; and</li> -<li>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.</li> -</ul> -<p>Any other terms, conditions, warranties or representations associated -with such content are solely between you and such organizations and/or -individuals.</p> -<p>To the fullest extent permitted by applicable law, in no event will -we or any of our officers, directors, representatives, agents, servants, -counsels, 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:</p> -<ol class="incremental" type="1"> -<li>any direct damages or</li> -<li>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:</li> -</ol> -<ul class="incremental"> -<li>your use of or conduct in connection with our services;</li> -<li>any unauthorized use of your wallet and/or private key due to your -failure to maintain the confidentiality of your wallet;</li> -<li>any interruption or cessation of transmission to or from the -services; or</li> -<li>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).</li> -</ul> -<p>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.</p> -<p>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.</p> -<h1 id="indemnity-and-time-limitation-on-claims-and-termination">Indemnity -and Time limitation on Claims and Termination</h1> -<p>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:</p> -<ul class="incremental"> -<li>your use of and access to the Services;</li> -<li>any feedback or submissions you provide to us concerning the Taler -wallet;</li> -<li>your violation of any term of this Agreement; or</li> -<li>your violation of any law, rule, or regulation, or the rights of any -third party.</li> -</ul> -<p>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 is permanently barred.</p> -<p>In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue.</p> -<h1 id="discontinuance-of-services-and-force-majeure">Discontinuance of -Services and Force majeure</h1> -<p>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 deprecate the Services and -your Taler wallet fails to transfer out the coins within a three months -notification period.</p> -<p>We shall not be held liable for any delays failure in performance or -interruptions of Services 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.</p> -<h1 id="governing-law-waivers-severability-and-assignment">Governing -law, Waivers, Severability and Assignment</h1> -<p>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 Bern, Switzerland for exclusive jurisdiction -of any dispute arising out of or related to your use of the Services or -your breach of these Terms.</p> -<p>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.</p> -<p>You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms.</p> -<p>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.</p> -<p>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.</p> -<h1 id="questions-or-comments">Questions or comments</h1> -<p>We welcome comments, questions, concerns or suggestions. Please send -us a message on our contact page at <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.md @@ -1,263 +0,0 @@ -# Terms of Service - -Last update: 26.04.2024 - -Welcome! The ICE research center of the Bern University of Applied Sciences -in Switzerland (“we,” “our,” or “us”) provides an experimental 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. - -## This is research - -This is a research experiment. Any funds wired to our Bitcoin address are -considered a donation to our research group. We may use them to enable -payments following the GNU Taler protocol, or simply keep them at our -discretion. The service is experimental and may also be discontinued at -any time, in which case all remaining funds will definitively be kept by -the research group. - -## 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 may transfer funds we receive from 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. Again, we stress this is a research experiment and technically all funds held by the exchange are owned by the research group of the university. -* 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 any circumstances. If we modify or terminate our services, we may 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 -[ice@bfh.ch](mailto:ice@bfh.ch). 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 receive from users to any legal -recipient to the best of our ability and within the limitations of the -law. 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 or cryptocurrencies 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 may 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 may refuse to execute transfers if the -transfers are prohibited by a competent legal authority and we are ordered to -do so. - -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](mailto: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. - -## 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 and Financial self-responsibility - -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 lose 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/](https://www.gnu.org/licenses/). “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. - -## 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, of software or of 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. - -To the fullest extent permitted by applicable law, in no event will we or any -of our officers, directors, representatives, agents, servants, counsels, -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 direct damages or -2. 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). - -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 and Time limitation on Claims and Termination - -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: - -* your use of and access to the Services; -* any feedback or submissions you provide to us concerning the Taler wallet; -* your violation of any term of this Agreement; or -* 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 is permanently barred. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of Services and Force majeure - -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 deprecate -the Services and your Taler wallet fails to transfer out the coins within a -three months notification period. - -We shall not be held liable for any delays failure in performance or -interruptions of Services 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. - -## Governing law, Waivers, Severability and Assignment - -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 Bern, Switzerland for exclusive jurisdiction of any dispute -arising out of or related to your use of the Services or your breach of these -Terms. - -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. - -You agree that we may assign any of our rights and/or transfer, sub-contract, -or delegate any of our obligations under these Terms. - -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. - -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](mailto:legal@taler-systems.com). diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-bfh-v0.txt @@ -1,315 +0,0 @@ -# Terms of Service - -Last update: 26.04.2024 - -Welcome! The ICE research center of the Bern University of Applied -Sciences in Switzerland ("we," "our," or "us") provides an experimental -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. - -## This is research - -This is a research experiment. Any funds wired to our Bitcoin address -are considered a donation to our research group. We may use them to -enable payments following the GNU Taler protocol, or simply keep them at -our discretion. The service is experimental and may also be discontinued -at any time, in which case all remaining funds will definitively be kept -by the research group. - -## 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 may transfer funds we receive from 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. Again, we stress this is a research experiment and - technically all funds held by the exchange are owned by the research - group of the university. -- 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 any circumstances. If we modify or terminate our services, we - may 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 <ice@bfh.ch>. 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 receive from users to any legal -recipient to the best of our ability and within the limitations of the -law. 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 or cryptocurrencies 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 may 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 may refuse to execute transfers if the -transfers are prohibited by a competent legal authority and we are -ordered to do so. - -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. - -## 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 and Financial self-responsibility - -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 lose 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/>. "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. - -## 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, of software or of 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. - -To the fullest extent permitted by applicable law, in no event will we -or any of our officers, directors, representatives, agents, servants, -counsels, 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 direct damages or -2. 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). - -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 and Time limitation on Claims and Termination - -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: - -- your use of and access to the Services; -- any feedback or submissions you provide to us concerning the Taler - wallet; -- your violation of any term of this Agreement; or -- 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 is permanently barred. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of Services and Force majeure - -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 deprecate the Services and -your Taler wallet fails to transfer out the coins within a three months -notification period. - -We shall not be held liable for any delays failure in performance or -interruptions of Services 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. - -## Governing law, Waivers, Severability and Assignment - -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 Bern, Switzerland for exclusive jurisdiction -of any dispute arising out of or related to your use of the Services or -your breach of these Terms. - -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. - -You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms. - -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. - -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>. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.html @@ -1,405 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Terms of Service of Taler Operations AG</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Terms of Service of Taler Operations AG</h1> -</header> -<p>These Terms of Service (hereinafter <strong>ToS</strong>) of Taler -Operations AG regulate the rights and obligations of users and -recipients (beneficiaries) of the payment service offered. By using the -payment service, users automatically accept these ToS.</p> -<h1 id="service-scope-of-application">Service; scope of application</h1> -<p>GNU Taler is a technical system that enables cashless payments. Taler -Operations AG (hereinafter <strong>TOPS</strong>), headquartered in -Biel/Bienne, Switzerland, provides a <strong>payment system</strong> -based on GNU Taler for users in Switzerland. TOPS is a member of VQF, a -FINMA-accredited self-regulating organisation. Consequently, TOPS will -therefore not be directly supervised by the Swiss financial services -regulation authority FINMA, but operates a financial service in -accordance with Art. 6 para. 2 Banking Ordinance without commercial -banking status (non-bank) and therefore without customer deposit -protection.</p> -<p><strong>Users</strong> are the owners of tokens signed by TOPS, -denominated in CHF (e-money), which they store in their Taler wallets -under their own responsibility. These tokens can be used by the users to -make payments.</p> -<p><strong>Taler-Wallets</strong> are products that, in accordance with -the GNU Taler protocol, manage digital cash (e-money) , which a payment -service issues and redeems for payments to beneficiaries. The tokens -issued by TOPS (e-CHF) can be used as a means of payment in -bricks-and-mortar shops, at vending machines, in online shops, and in -apps at authorized merchants or service providers that accept this means -of payment (hereinafter <strong>beneficiaries</strong>). Users can also -make payments to other users or transfer the e-money back to a Swiss -bank account.</p> -<h1 id="technical-requirements">Technical requirements</h1> -<p>In order to use the services offered, users must have a Taler wallet -(an electronic wallet) as a Taler application on their smartphone or as -an extension in a browser on the PC. Users are free to choose their -Taler wallet application. Beneficiaries are also free to choose their -Taler wallet application or Taler backend. Various solutions are -provided by various providers. TOPS does not impose any restrictions and -does not provide any guarantee for the chosen solution. The users are -responsible for the security of their Taler wallets or Taler backends -and the tokens or transaction data stored in them.</p> -<p>The Taler wallet is topped up by users through mechanisms foreseen -for the purpose of withdrawals. In order to let the wallet withdraw the -desired amount of money, users select from within the Taler wallet the -payment service provider operated by TOPS and wire this amount of money -to the bank account of the payment service provider. TOPS may introduce -further withdrawal options or cease to offer existing mechanisms. Any -transaction fees or other fees associated with wiring or with -withdrawals shall be borne by the users. Users’ funds do not earn -interest. Users acknowledge that their credit balance is not covered by -customer deposit protection.</p> -<p>To unload a Taler wallet, users must transfer their funds to a Swiss -bank account. International payments are not permitted. With the Taler -wallet installed in the smartphone or web browser, users can make -payments (within applicable limits) to natural persons and legal -entities that accept this payment method and have a Swiss bank account -to receive the funds (e.g., stores, web shops, apps, and other -beneficiaries). When users make payments, the corresponding amount of -e-money is debited directly from the Taler wallet. At least the -transaction amount must be available in the Taler wallet’s balance. -Users consent to all payments made with the Taler wallet from their -digital end device, even if these payments were made without their -agreement. Anyone who redeems a token in the Taler wallet has used its -represented value of the credit for payment.</p> -<p>The procedure for increasing and decreasing the credit balance in the -Taler wallet can take several days, depending on the mechanism.</p> -<h1 id="prices-fees-and-limits">Prices, fees and limits</h1> -<p>TOPS may change the fees at any time. Fee changes only apply to -tokens withdrawn after the change takes effect. Taler wallets compliant -to the GNU Taler protocol will inform users about fee changes before -they withdraw new tokens. Withdrawing tokens issued by TOPS after a fee -change is considered the user’s consent to the updated conditions.</p> -<p>There are limits of CHF 3,000 per month and CHF 15,000 per calendar -year for withdrawing e-money from a bank account or receiving -peer-to-peer payments between Taler wallets with a confirmed Swiss -mobile number.</p> -<h1 id="legal-and-regulatory-requirements">Legal and regulatory -requirements</h1> -<p>In order to use the payment service, users and beneficiaries are -obliged to support TOPS in fulfilling legal and regulatory requirements. -TOPS complies with all applicable anti-money laundering (AML) and -know-your-customer (KYC) regulations. TOPS will ensure that all personal -data is processed in accordance with Swiss privacy laws, including the -new Swiss Data Protection Act (nFADP) and the Ordinance on Data -Protection (DPO). TOPS has the right and, where applicable, the legal -obligation to exclude users and beneficiaries from using the payment -service, if they refuse to provide the required information or provide -false information.</p> -<p>In order to use the payment service, <em>beneficiaries</em> enter -into a business relationship with TOPS and, where applicable, may be -required to register with TOPS and provide the requested information for -this purpose. Beneficiaries may be required to provide identity -verification documents. They will be notified of any KYC information -requests and will have 30 days to respond. TOPS reserves the right to -request further information at any time to fulfill regulatory -compliance.</p> -<p>No accounts are created for <em>users</em> at TOPS. However, the bank -accounts of users who transfer CHF to TOPS in order to purchase tokens -are recorded. To accept peer-to-peer payments, users must have a Swiss -cell phone number to receive SMS for identification purposes.</p> -<h1 id="duty-of-care-and-other-obligations-of-users">Duty of care and -other obligations of users</h1> -<ol class="incremental" type="1"> -<li>Users must comply with the following duties of care when using the -payment service:</li> -</ol> -<ul class="incremental"> -<li>The smartphone, PC, notebook, etc. must be protected against -unauthorized use or manipulation (e.g. by means of a device lock or -display lock).</li> -<li>In the event of damage, users must contribute to the best of their -knowledge to help clarify the case and minimizing the damage. Criminal -acts must be reported to the police.</li> -<li>Before each payment is made, the details of the payee must be -double-checked in order to prevent incorrect transactions.</li> -<li>Users are responsible for their use of the system and bear all -consequences arising from such use.</li> -<li>In particular, any unauthorized use of the Taler wallet by a third -party shall be attributed to the owner of the wallet.</li> -</ul> -<ol class="incremental" start="2" type="1"> -<li><p>Users must be aware of the need to <strong>treat electronic money -like cash</strong> and to secure it in the same way, i.e. to create a -backup of the wallet data. The users of the Taler app are therefore -obliged to secure access to the digital end device and protect it from -unauthorized access. They must save the wallet’s data with a backup copy -on another device. The wallet’s export function helps to create and save -a backup of the wallet data. A lost user device with a wallet on it -without a backup on another device or data carrier means a total loss of -the credit.</p></li> -<li><p>It must be ensured that the end device with a Taler wallet -installed on it connects to the payment service via the Internet -<strong>within one year</strong> after the last transaction, otherwise -the credit balance in the wallet may be lost. The credit balance is -usually renewed one month before the end of the validity of the -electronic cash, which is approximately one year after its -withdrawal.</p></li> -<li><p>Communication from TOPS to users is generally carried out via -notifications in the GNU Taler protocol. Users are responsible for -responding to such notifications. TOPS has the right not to execute -transactions until the users provide legally required data.</p></li> -</ol> -<h1 id="liability">Liability</h1> -<p>TOPS is not liable for any loss or damage incurred by users as a -result of the use of GNU Taler, in particular not for loss or damage</p> -<ul class="incremental"> -<li>due to transmission errors, technical malfunctions or defects, -failures and unauthorized access to or interference with the digital end -device,</li> -<li>which are due in whole or in part to a breach by the user of these -ToS or applicable laws,</li> -<li>due to a malfunction or error in the software or hardware used,</li> -<li>due to malfunctions, interruptions (including system maintenance -work) or overloads of the relevant IT systems or networks,</li> -<li>due to payments that are not processed or are delayed,</li> -<li>due to acts or omissions of third parties (including auxiliary -persons of TOPS),</li> -</ul> -<p>unless these losses or damages are attributable to gross negligence -or willful misconduct on the part of TOPS. Liability caps are set at CHF -1,000 for certain loss events. Liability for consequential damages, loss -of profit or loss of data is - to the extent permitted by law - excluded -in any case.</p> -<h1 id="use-misuse">Use; misuse</h1> -<p>Users shall indemnify TOPS for any damages or losses incurred by TOPS -due to non-compliance with these ToS or legal requirements, due to -incorrect or incomplete information provided by users or the incorrect -execution of instructions.</p> -<p>If the use deviates significantly from normal use or if there are -signs of illegal or non-contractual behavior, TOPS may require users to -act in accordance with the law and the contract, to suspend, restrict or -discontinue the provision of services without prior notice and without -compensation, terminate the business relationship without prior notice -and without compensation and, if necessary, demand compensation for -damages and indemnification from third-party claims. TOPS reserves the -right to withhold payments to beneficiaries in the event of a breach of -rules or abuse.</p> -<h1 id="reservations-regarding-changes-to-these-tos">Reservations -regarding changes to these ToS</h1> -<p>TOPS may amend the ToS at any time. Amendments only have effect on -tokens withdrawn after the change. Taler wallets compliant to the GNU -Taler protocol inform users about changes before new tokens are -withdrawn. The withdrawal of tokens issued by TOPS after the ToS have -been amended shall be deemed to constitute acceptance of the amended -conditions.</p> -<p>Any legal provisions governing the operation and use of digital -devices, payment services, the Internet and other infrastructure remain -reserved and shall also apply to the TOPS services.</p> -<p>TOPS reserves the right to change, restrict, modify or completely -discontinue its range of services at any time and without prior notice, -in particular due to legal requirements, technical problems, prevention -of misuse, by order of the authorities or for security reasons.</p> -<p>TOPS may transfer the contractual relationship (including a credit -balance) to another company at any time and without prior -notification.</p> -<h1 id="confidentiality-and-data-protection">Confidentiality and data -protection</h1> -<p>Personal data is only collected, processed, stored or used by TOPS -within the scope of legal obligations. When paying with e-money, no data -on the identity of the user is recorded.</p> -<p>TOPS provides users with technical support on request. In the -provision of this support third parties may be involved. They will -receive access to the personal data required for communication with -users.</p> -<p>TOPS undertakes to comply with the provisions of Swiss law with -regard to the personal data of users, in particular the Federal Act on -Data Protection and the Ordinance on Data Protection.</p> -<p>All system data is primarily hosted in Switzerland.</p> -<p>KYC processes may be controlled by service providers. These are also -obliged to secure the data in accordance with Swiss law. The core -system’s data is stored on encrypted hard disks with redundancy -(including backups) and is accessible only to authorized personnel. -Authorized personnel are subjected to security checks by TOPS. The -entire design of the GNU Taler payment service has been strictly -developed according to the principles of “Privacy-by-Design” and -“Privacy-by-Default”.</p> -<p>Further information on data processing can be found in the privacy -policy on the TOPS website (www.taler-ops.ch).</p> -<h1 id="duration-and-termination">Duration and termination</h1> -<p>The business relationship between TOPS and beneficiaries (merchants, -businesses, and other regular recipients of transfers from the payment -service to the beneficiary IBAN accounts) is concluded for an indefinite -period. TOPS may terminate the business relationship with the -beneficiaries at any time - in particular in cases of abuse with -immediate effect. Written notice of termination by TOPS shall be sent to -one of the last addresses provided by the business partners (e.g. by -e-mail or letter). If no transactions are made to the beneficiaries for -more than 12 months, the business relationship shall be automatically -deemed terminated.</p> -<p>Users of Taler wallets can return the existing credit in these -wallets to bank accounts in Switzerland at any time, thereby balancing -the credit. If the TOPS payment service is discontinued, users will be -notified through the GNU Taler protocol and prompted by their Taler -wallets to balance any remaining credit. Users who fail to balance the -credit within 3 months will lose their entitlement to the remaining -amount, which will become the property of TOPS.</p> -<h1 id="applicable-law-and-place-of-jurisdiction">Applicable law and -place of jurisdiction</h1> -<p>To the extent permitted by law, all legal relationships between TOPS -and users shall be governed exclusively by substantive Swiss law, -excluding conflict of laws and international treaties.</p> -<p>Subject to any mandatory statutory provisions to the contrary, Biel -is the exclusive place of jurisdiction and the place of performance. For -users and beneficiaries domiciled outside Switzerland, Biel/Bienne is -also the place of debt collection.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.md @@ -1,194 +0,0 @@ -# Terms of Service of Taler Operations AG - -These Terms of Service (hereinafter **ToS**) of Taler Operations AG regulate the rights and obligations of users and -recipients (beneficiaries) of the payment service offered. By using the payment service, users automatically accept these ToS. - -## Service; scope of application - -GNU Taler is a technical system that enables cashless payments. Taler Operations AG (hereinafter **TOPS**), -headquartered in Biel/Bienne, Switzerland, provides a **payment system** based on GNU Taler for users in Switzerland. -TOPS is a member of VQF, a FINMA-accredited self-regulating organisation. Consequently, TOPS will therefore not be -directly supervised by the Swiss financial services regulation authority FINMA, but operates a financial service in -accordance with Art. 6 para. 2 Banking Ordinance without commercial banking status (non-bank) and therefore without -customer deposit protection. - -**Users** are the owners of tokens signed by TOPS, denominated in CHF (e-money), which they store in their Taler -wallets under their own responsibility. These tokens can be used by the users to make payments. - -**Taler-Wallets** are products that, in accordance with the GNU Taler protocol, manage digital cash (e-money) , which a -payment service issues and redeems for payments to beneficiaries. The tokens issued by TOPS (e-CHF) can be used as a -means of payment in bricks-and-mortar shops, at vending machines, in online shops, and in apps at authorized merchants -or service providers that accept this means of payment (hereinafter **beneficiaries**). Users can also make payments to -other users or transfer the e-money back to a Swiss bank account. - -## Technical requirements - -In order to use the services offered, users must have a Taler wallet (an electronic wallet) as a Taler application on -their smartphone or as an extension in a browser on the PC. Users are free to choose their Taler wallet application. -Beneficiaries are also free to choose their Taler wallet application or Taler backend. Various solutions are provided -by various providers. TOPS does not impose any restrictions and does not provide any guarantee for the chosen solution. -The users are responsible for the security of their Taler wallets or Taler backends and the tokens or transaction data -stored in them. - -The Taler wallet is topped up by users through mechanisms foreseen for the purpose of withdrawals. In order to let the -wallet withdraw the desired amount of money, users select from within the Taler wallet the payment service provider -operated by TOPS and wire this amount of money to the bank account of the payment service provider. TOPS may introduce -further withdrawal options or cease to offer existing mechanisms. Any transaction fees or other fees associated with -wiring or with withdrawals shall be borne by the users. Users’ funds do not earn interest. -Users acknowledge that their credit balance is not covered by customer deposit protection. - -To unload a Taler wallet, users must transfer their funds to a Swiss bank account. International payments -are not permitted. With the Taler wallet installed in the smartphone or web browser, users can make payments -(within applicable limits) to natural persons and legal entities that accept this payment method and have a -Swiss bank account to receive the funds (e.g., stores, web shops, apps, and other beneficiaries). -When users make payments, the corresponding amount of e-money is debited directly from the Taler wallet. -At least the transaction amount must be available in the Taler wallet’s balance. Users consent to all payments made -with the Taler wallet from their digital end device, even if these payments were made without their agreement. -Anyone who redeems a token in the Taler wallet has used its represented value of the credit for payment. - -The procedure for increasing and decreasing the credit balance in the Taler wallet can take several days, depending on -the mechanism. - -## Prices, fees and limits - -TOPS may change the fees at any time. Fee changes only apply to tokens withdrawn after the change takes effect. -Taler wallets compliant to the GNU Taler protocol will inform users about fee changes before they withdraw new tokens. -Withdrawing tokens issued by TOPS after a fee change is considered the user’s consent to the updated conditions. - -There are limits of CHF 3,000 per month and CHF 15,000 per calendar year for withdrawing e-money from a bank account -or receiving peer-to-peer payments between Taler wallets with a confirmed Swiss mobile number. - -## Legal and regulatory requirements - -In order to use the payment service, users and beneficiaries are obliged to support TOPS in fulfilling legal and regulatory requirements. -TOPS complies with all applicable anti-money laundering (AML) and know-your-customer (KYC) regulations. -TOPS will ensure that all personal data is processed in accordance with Swiss privacy laws, including the -new Swiss Data Protection Act (nFADP) and the Ordinance on Data Protection (DPO). -TOPS has the right and, where applicable, the legal obligation to exclude users and beneficiaries from using the payment service, -if they refuse to provide the required information or provide false information. - -In order to use the payment service, *beneficiaries* enter into a business relationship with TOPS and, where applicable, -may be required to register with TOPS and provide the requested information for this purpose. -Beneficiaries may be required to provide identity verification documents. -They will be notified of any KYC information requests and will have 30 days to respond. -TOPS reserves the right to request further information at any time to fulfill regulatory compliance. - -No accounts are created for *users* at TOPS. However, the bank accounts of users who transfer CHF to TOPS in order to -purchase tokens are recorded. To accept peer-to-peer payments, users must have a Swiss cell phone number to receive -SMS for identification purposes. - -## Duty of care and other obligations of users - -1. -Users must comply with the following duties of care when using the payment service: - -* The smartphone, PC, notebook, etc. must be protected against unauthorized use or manipulation (e.g. by means of a device lock or display lock). -* In the event of damage, users must contribute to the best of their knowledge to help clarify the case and minimizing the damage. Criminal acts must be reported to the police. -* Before each payment is made, the details of the payee must be double-checked in order to prevent incorrect transactions. -* Users are responsible for their use of the system and bear all consequences arising from such use. -* In particular, any unauthorized use of the Taler wallet by a third party shall be attributed to the owner of the wallet. - -2. Users must be aware of the need to **treat electronic money like cash** and to secure it in the same way, i.e. to create a backup of the wallet data. -The users of the Taler app are therefore obliged to secure access to the digital end device and protect it from unauthorized access. -They must save the wallet’s data with a backup copy on another device. The wallet’s export function helps to create and save a backup of the wallet data. -A lost user device with a wallet on it without a backup on another device or data carrier means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed on it connects to the payment service via the Internet **within one year** -after the last transaction, otherwise the credit balance in the wallet may be lost. -The credit balance is usually renewed one month before the end of the validity of the electronic cash, -which is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via notifications in the GNU Taler protocol. -Users are responsible for responding to such notifications. -TOPS has the right not to execute transactions until the users provide legally required data. - -## Liability - -TOPS is not liable for any loss or damage incurred by users as a result of -the use of GNU Taler, in particular not for loss or damage - -* due to transmission errors, technical malfunctions or defects, failures and unauthorized access to or interference with the digital end device, -* which are due in whole or in part to a breach by the user of these ToS or applicable laws, -* due to a malfunction or error in the software or hardware used, -* due to malfunctions, interruptions (including system maintenance work) or overloads of the relevant IT systems or networks, -* due to payments that are not processed or are delayed, -* due to acts or omissions of third parties (including auxiliary persons of TOPS), - -unless these losses or damages are attributable to gross negligence or willful misconduct on the part of TOPS. -Liability caps are set at CHF 1,000 for certain loss events. -Liability for consequential damages, loss of profit or loss of data is - to the extent permitted by law - excluded in any case. - -## Use; misuse - -Users shall indemnify TOPS for any damages or losses incurred by TOPS due to non-compliance with these ToS -or legal requirements, due to incorrect or incomplete information provided by users or the incorrect execution of -instructions. - -If the use deviates significantly from normal use or if there are signs of illegal or non-contractual behavior, TOPS -may require users to act in accordance with the law and the contract, to suspend, restrict or discontinue the provision -of services without prior notice and without compensation, terminate the business relationship without prior notice -and without compensation and, if necessary, demand compensation for damages and indemnification from third-party claims. -TOPS reserves the right to withhold payments to beneficiaries in the event of a breach of rules or abuse. - -## Reservations regarding changes to these ToS - -TOPS may amend the ToS at any time. Amendments only have effect on tokens withdrawn after the change. -Taler wallets compliant to the GNU Taler protocol inform users about changes before new tokens are withdrawn. The withdrawal of tokens -issued by TOPS after the ToS have been amended shall be deemed to constitute acceptance of the amended conditions. - -Any legal provisions governing the operation and use of digital devices, payment services, the Internet and other -infrastructure remain reserved and shall also apply to the TOPS services. - -TOPS reserves the right to change, restrict, modify or completely discontinue its range of services at any time -and without prior notice, in particular due to legal requirements, technical problems, prevention of misuse, -by order of the authorities or for security reasons. - -TOPS may transfer the contractual relationship (including a credit balance) to another company -at any time and without prior notification. - -## Confidentiality and data protection - -Personal data is only collected, processed, stored or used by TOPS within the scope of legal obligations. -When paying with e-money, no data on the identity of the user is recorded. - -TOPS provides users with technical support on request. In the provision of this support third parties may be involved. -They will receive access to the personal data required for communication with users. - -TOPS undertakes to comply with the provisions of Swiss law with regard to the personal data of users, in particular -the Federal Act on Data Protection and the Ordinance on Data Protection. - -All system data is primarily hosted in Switzerland. - -KYC processes may be controlled by service providers. These are also obliged to secure the data in accordance with Swiss law. -The core system’s data is stored on encrypted hard disks with redundancy (including backups) and is accessible only to authorized personnel. -Authorized personnel are subjected to security checks by TOPS. -The entire design of the GNU Taler payment service has been strictly developed according to the principles of -“Privacy-by-Design” and “Privacy-by-Default”. - -Further information on data processing can be found in the privacy policy on the TOPS website (www.taler-ops.ch). - -## Duration and termination - -The business relationship between TOPS and beneficiaries (merchants, businesses, and other regular recipients -of transfers from the payment service to the beneficiary IBAN accounts) is concluded for an indefinite period. -TOPS may terminate the business relationship with the beneficiaries at any time - in particular in cases of abuse -with immediate effect. -Written notice of termination by TOPS shall be sent to one of the last addresses provided by the business partners -(e.g. by e-mail or letter). -If no transactions are made to the beneficiaries for more than 12 months, the business relationship shall be automatically -deemed terminated. - -Users of Taler wallets can return the existing credit in these wallets to bank accounts in Switzerland at any time, -thereby balancing the credit. -If the TOPS payment service is discontinued, users will be notified through the GNU Taler protocol and prompted -by their Taler wallets to balance any remaining credit. -Users who fail to balance the credit within 3 months will lose their entitlement to the remaining amount, -which will become the property of TOPS. - -## Applicable law and place of jurisdiction - -To the extent permitted by law, all legal relationships between TOPS and users shall be governed exclusively by -substantive Swiss law, excluding conflict of laws and international treaties. - -Subject to any mandatory statutory provisions to the contrary, Biel is the exclusive place of jurisdiction and the place of performance. -For users and beneficiaries domiciled outside Switzerland, Biel/Bienne is also the place of debt collection. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-tops-v0.txt @@ -1,270 +0,0 @@ -# Terms of Service of Taler Operations AG - -These Terms of Service (hereinafter **ToS**) of Taler Operations AG -regulate the rights and obligations of users and recipients -(beneficiaries) of the payment service offered. By using the payment -service, users automatically accept these ToS. - -## Service; scope of application - -GNU Taler is a technical system that enables cashless payments. Taler -Operations AG (hereinafter **TOPS**), headquartered in Biel/Bienne, -Switzerland, provides a **payment system** based on GNU Taler for users -in Switzerland. TOPS is a member of VQF, a FINMA-accredited -self-regulating organisation. Consequently, TOPS will therefore not be -directly supervised by the Swiss financial services regulation authority -FINMA, but operates a financial service in accordance with Art. 6 para. -2 Banking Ordinance without commercial banking status (non-bank) and -therefore without customer deposit protection. - -**Users** are the owners of tokens signed by TOPS, denominated in CHF -(e-money), which they store in their Taler wallets under their own -responsibility. These tokens can be used by the users to make payments. - -**Taler-Wallets** are products that, in accordance with the GNU Taler -protocol, manage digital cash (e-money) , which a payment service issues -and redeems for payments to beneficiaries. The tokens issued by TOPS -(e-CHF) can be used as a means of payment in bricks-and-mortar shops, at -vending machines, in online shops, and in apps at authorized merchants -or service providers that accept this means of payment (hereinafter -**beneficiaries**). Users can also make payments to other users or -transfer the e-money back to a Swiss bank account. - -## Technical requirements - -In order to use the services offered, users must have a Taler wallet (an -electronic wallet) as a Taler application on their smartphone or as an -extension in a browser on the PC. Users are free to choose their Taler -wallet application. Beneficiaries are also free to choose their Taler -wallet application or Taler backend. Various solutions are provided by -various providers. TOPS does not impose any restrictions and does not -provide any guarantee for the chosen solution. The users are responsible -for the security of their Taler wallets or Taler backends and the tokens -or transaction data stored in them. - -The Taler wallet is topped up by users through mechanisms foreseen for -the purpose of withdrawals. In order to let the wallet withdraw the -desired amount of money, users select from within the Taler wallet the -payment service provider operated by TOPS and wire this amount of money -to the bank account of the payment service provider. TOPS may introduce -further withdrawal options or cease to offer existing mechanisms. Any -transaction fees or other fees associated with wiring or with -withdrawals shall be borne by the users. Users' funds do not earn -interest. Users acknowledge that their credit balance is not covered by -customer deposit protection. - -To unload a Taler wallet, users must transfer their funds to a Swiss -bank account. International payments are not permitted. With the Taler -wallet installed in the smartphone or web browser, users can make -payments (within applicable limits) to natural persons and legal -entities that accept this payment method and have a Swiss bank account -to receive the funds (e.g., stores, web shops, apps, and other -beneficiaries). When users make payments, the corresponding amount of -e-money is debited directly from the Taler wallet. At least the -transaction amount must be available in the Taler wallet's balance. -Users consent to all payments made with the Taler wallet from their -digital end device, even if these payments were made without their -agreement. Anyone who redeems a token in the Taler wallet has used its -represented value of the credit for payment. - -The procedure for increasing and decreasing the credit balance in the -Taler wallet can take several days, depending on the mechanism. - -## Prices, fees and limits - -TOPS may change the fees at any time. Fee changes only apply to tokens -withdrawn after the change takes effect. Taler wallets compliant to the -GNU Taler protocol will inform users about fee changes before they -withdraw new tokens. Withdrawing tokens issued by TOPS after a fee -change is considered the user's consent to the updated conditions. - -There are limits of CHF 3,000 per month and CHF 15,000 per calendar year -for withdrawing e-money from a bank account or receiving peer-to-peer -payments between Taler wallets with a confirmed Swiss mobile number. - -## Legal and regulatory requirements - -In order to use the payment service, users and beneficiaries are obliged -to support TOPS in fulfilling legal and regulatory requirements. TOPS -complies with all applicable anti-money laundering (AML) and -know-your-customer (KYC) regulations. TOPS will ensure that all personal -data is processed in accordance with Swiss privacy laws, including the -new Swiss Data Protection Act (nFADP) and the Ordinance on Data -Protection (DPO). TOPS has the right and, where applicable, the legal -obligation to exclude users and beneficiaries from using the payment -service, if they refuse to provide the required information or provide -false information. - -In order to use the payment service, *beneficiaries* enter into a -business relationship with TOPS and, where applicable, may be required -to register with TOPS and provide the requested information for this -purpose. Beneficiaries may be required to provide identity verification -documents. They will be notified of any KYC information requests and -will have 30 days to respond. TOPS reserves the right to request further -information at any time to fulfill regulatory compliance. - -No accounts are created for *users* at TOPS. However, the bank accounts -of users who transfer CHF to TOPS in order to purchase tokens are -recorded. To accept peer-to-peer payments, users must have a Swiss cell -phone number to receive SMS for identification purposes. - -## Duty of care and other obligations of users - -1. Users must comply with the following duties of care when using the - payment service: - -- The smartphone, PC, notebook, etc. must be protected against - unauthorized use or manipulation (e.g. by means of a device lock or - display lock). -- In the event of damage, users must contribute to the best of their - knowledge to help clarify the case and minimizing the damage. - Criminal acts must be reported to the police. -- Before each payment is made, the details of the payee must be - double-checked in order to prevent incorrect transactions. -- Users are responsible for their use of the system and bear all - consequences arising from such use. -- In particular, any unauthorized use of the Taler wallet by a third - party shall be attributed to the owner of the wallet. - -2. Users must be aware of the need to **treat electronic money like - cash** and to secure it in the same way, i.e. to create a backup of - the wallet data. The users of the Taler app are therefore obliged to - secure access to the digital end device and protect it from - unauthorized access. They must save the wallet's data with a backup - copy on another device. The wallet's export function helps to create - and save a backup of the wallet data. A lost user device with a - wallet on it without a backup on another device or data carrier - means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed - on it connects to the payment service via the Internet **within one - year** after the last transaction, otherwise the credit balance in - the wallet may be lost. The credit balance is usually renewed one - month before the end of the validity of the electronic cash, which - is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via - notifications in the GNU Taler protocol. Users are responsible for - responding to such notifications. TOPS has the right not to execute - transactions until the users provide legally required data. - -## Liability - -TOPS is not liable for any loss or damage incurred by users as a result -of the use of GNU Taler, in particular not for loss or damage - -- due to transmission errors, technical malfunctions or defects, - failures and unauthorized access to or interference with the digital - end device, -- which are due in whole or in part to a breach by the user of these - ToS or applicable laws, -- due to a malfunction or error in the software or hardware used, -- due to malfunctions, interruptions (including system maintenance - work) or overloads of the relevant IT systems or networks, -- due to payments that are not processed or are delayed, -- due to acts or omissions of third parties (including auxiliary - persons of TOPS), - -unless these losses or damages are attributable to gross negligence or -willful misconduct on the part of TOPS. Liability caps are set at CHF -1,000 for certain loss events. Liability for consequential damages, loss -of profit or loss of data is - to the extent permitted by law - excluded -in any case. - -## Use; misuse - -Users shall indemnify TOPS for any damages or losses incurred by TOPS -due to non-compliance with these ToS or legal requirements, due to -incorrect or incomplete information provided by users or the incorrect -execution of instructions. - -If the use deviates significantly from normal use or if there are signs -of illegal or non-contractual behavior, TOPS may require users to act in -accordance with the law and the contract, to suspend, restrict or -discontinue the provision of services without prior notice and without -compensation, terminate the business relationship without prior notice -and without compensation and, if necessary, demand compensation for -damages and indemnification from third-party claims. TOPS reserves the -right to withhold payments to beneficiaries in the event of a breach of -rules or abuse. - -## Reservations regarding changes to these ToS - -TOPS may amend the ToS at any time. Amendments only have effect on -tokens withdrawn after the change. Taler wallets compliant to the GNU -Taler protocol inform users about changes before new tokens are -withdrawn. The withdrawal of tokens issued by TOPS after the ToS have -been amended shall be deemed to constitute acceptance of the amended -conditions. - -Any legal provisions governing the operation and use of digital devices, -payment services, the Internet and other infrastructure remain reserved -and shall also apply to the TOPS services. - -TOPS reserves the right to change, restrict, modify or completely -discontinue its range of services at any time and without prior notice, -in particular due to legal requirements, technical problems, prevention -of misuse, by order of the authorities or for security reasons. - -TOPS may transfer the contractual relationship (including a credit -balance) to another company at any time and without prior notification. - -## Confidentiality and data protection - -Personal data is only collected, processed, stored or used by TOPS -within the scope of legal obligations. When paying with e-money, no data -on the identity of the user is recorded. - -TOPS provides users with technical support on request. In the provision -of this support third parties may be involved. They will receive access -to the personal data required for communication with users. - -TOPS undertakes to comply with the provisions of Swiss law with regard -to the personal data of users, in particular the Federal Act on Data -Protection and the Ordinance on Data Protection. - -All system data is primarily hosted in Switzerland. - -KYC processes may be controlled by service providers. These are also -obliged to secure the data in accordance with Swiss law. The core -system's data is stored on encrypted hard disks with redundancy -(including backups) and is accessible only to authorized personnel. -Authorized personnel are subjected to security checks by TOPS. The -entire design of the GNU Taler payment service has been strictly -developed according to the principles of "Privacy-by-Design" and -"Privacy-by-Default". - -Further information on data processing can be found in the privacy -policy on the TOPS website (www.taler-ops.ch). - -## Duration and termination - -The business relationship between TOPS and beneficiaries (merchants, -businesses, and other regular recipients of transfers from the payment -service to the beneficiary IBAN accounts) is concluded for an indefinite -period. TOPS may terminate the business relationship with the -beneficiaries at any time - in particular in cases of abuse with -immediate effect. Written notice of termination by TOPS shall be sent to -one of the last addresses provided by the business partners (e.g. by -e-mail or letter). If no transactions are made to the beneficiaries for -more than 12 months, the business relationship shall be automatically -deemed terminated. - -Users of Taler wallets can return the existing credit in these wallets -to bank accounts in Switzerland at any time, thereby balancing the -credit. If the TOPS payment service is discontinued, users will be -notified through the GNU Taler protocol and prompted by their Taler -wallets to balance any remaining credit. Users who fail to balance the -credit within 3 months will lose their entitlement to the remaining -amount, which will become the property of TOPS. - -## Applicable law and place of jurisdiction - -To the extent permitted by law, all legal relationships between TOPS and -users shall be governed exclusively by substantive Swiss law, excluding -conflict of laws and international treaties. - -Subject to any mandatory statutory provisions to the contrary, Biel is -the exclusive place of jurisdiction and the place of performance. For -users and beneficiaries domiciled outside Switzerland, Biel/Bienne is -also the place of debt collection. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.html @@ -1,432 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Terms of Service</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Terms of Service</h1> -</header> -<h1 id="last-update-3.10.2024">Last update: 3.10.2024</h1> -<p>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.</p> -<h1 id="overview">Overview</h1> -<p>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.</p> -<h1 id="highlights">Highlights:</h1> -<ul class="incremental"> -<li>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.</li> -<li>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.</li> -<li>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.</li> -<li>You agree to not intentionally overwhelm our systems with requests -and follow responsible disclosure if you find security issues in our -services.</li> -<li>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.</li> -</ul> -<p>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 <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>. If -you do not agree to this Agreement, you must not use our Services.</p> -<h1 id="how-you-accept-this-policy">How you accept this policy</h1> -<p>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.</p> -<h1 id="services">Services</h1> -<p>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.</p> -<p>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 <a href="mailto:security@taler-systems.com">security@taler-systems.com</a> -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.</p> -<h1 id="fees">Fees</h1> -<p>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.</p> -<h1 id="eligibility-and-financial-self-responsibility">Eligibility and -Financial self-responsibility</h1> -<p>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.</p> -<p>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.</p> -<h1 id="copyrights-and-trademarks">Copyrights and trademarks</h1> -<p>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 on the GNU GPL Licenses page (<a href="https://www.gnu.org/licenses/">https://www.gnu.org/licenses/</a>). -“Taler” itself is a trademark of Taler Systems SA. You are welcome to -use the name in relation to processing payments based on the Taler -protocol, assuming your use is compatible with an official release from -the GNU Project that is not older than two years.</p> -<h1 id="limitation-of-liability-disclaimer-of-warranties">Limitation of -liability & disclaimer of warranties</h1> -<p>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:</p> -<ol class="incremental" type="1"> -<li>user error such as forgotten passwords, incorrectly constructed -transactions;</li> -<li>server failure or data loss;</li> -<li>unauthorized access to the Taler Wallet application;</li> -<li>bugs or other errors in the Taler Wallet software; and</li> -</ol> -<ol class="incremental" start="5" type="1"> -<li>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.</li> -</ol> -<p>Any other terms, conditions, warranties, or representations -associated with such content, are solely between you and such -organizations and/or individuals.</p> -<p>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:</p> -<ol class="incremental" type="1"> -<li>any direct damages or</li> -</ol> -<ol class="incremental" start="2" type="1"> -<li>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:</li> -</ol> -<ul class="incremental"> -<li>your use of, or conduct in connection with, our services;</li> -<li>any unauthorized use of your wallet and/or private key due to your -failure to maintain the confidentiality of your wallet;</li> -<li>any interruption or cessation of transmission to or from the -services; or</li> -<li>any bugs, viruses, trojan horses, or the like that are found in the -Taler Wallet software</li> -</ul> -<p>or that may be transmitted to or through our services by any third -party (regardless of the source of origination).</p> -<p>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.</p> -<p>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.</p> -<h1 id="indemnity-and-time-limitation-on-claims-and-termination">Indemnity -and Time limitation on claims and Termination</h1> -<p>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.</p> -<p>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.</p> -<p>In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue.</p> -<h1 id="discontinuance-of-services-and-force-majeure">Discontinuance of -services and Force majeure</h1> -<p>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.</p> -<p>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.</p> -<h1 id="governing-law-waivers-severability-and-assignment">Governing -law, Waivers, Severability and Assignment</h1> -<p>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.</p> -<p>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.</p> -<p>You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms.</p> -<p>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.</p> -<p>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.</p> -<h1 id="questions-or-comments">Questions or comments</h1> -<p>We welcome comments, questions, concerns, or suggestions. Please send -us a message on our contact page at <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.md @@ -1,262 +0,0 @@ -# Terms of Service - -## Last update: 3.10.2024 - -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](mailto: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. - -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](mailto: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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -([https://www.gnu.org/licenses/](https://www.gnu.org/licenses/)). “Taler” itself is a trademark -of Taler Systems SA. You are welcome to use the name in relation to processing -payments based on the Taler protocol, assuming your use is compatible with an -official release from the GNU Project that is not older than two years. - -## 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. - -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 direct damages or - -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, sub-contract, -or delegate any of our obligations under these Terms. - -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. - -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](mailto:legal@taler-systems.com). diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/en/exchange-tos-v0.txt @@ -1,305 +0,0 @@ -# Terms of Service - -## Last update: 3.10.2024 - -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. - -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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -(<https://www.gnu.org/licenses/>). "Taler" itself is a trademark of -Taler Systems SA. You are welcome to use the name in relation to -processing payments based on the Taler protocol, assuming your use is -compatible with an official release from the GNU Project that is not -older than two years. - -## 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 - -```{=html} -<!-- --> -``` -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. - -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 direct damages or - -```{=html} -<!-- --> -``` -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms. - -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. - -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>. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.html @@ -1,447 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Conditions générales d’utilisation de Taler Operations AG</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Conditions générales d’utilisation de Taler Operations -AG</h1> -</header> -<p>Les présentes conditions générales d’utilisation (ci-après -<strong>CGU</strong>) de l’entreprise Taler Operations AG régissent les -droits et obligations des utilisateurs et des bénéficiaires du service -de paiement proposé. En utilisant le service de paiement, les -utilisateurs acceptent automatiquement les présentes CGU.</p> -<h1 id="prestation-de-services-champ-dapplication">Prestation de -services ; champ d’application</h1> -<p>GNU Taler est un système technique qui permet d’effectuer des -paiements sans argent liquide. Taler Operations AG (ci-après -<strong>TOPS</strong>), dont le siège est à Biel/Bienne, Suisse, propose -un <strong>service de paiement</strong> basé sur GNU Taler pour les -utilisateurs en Suisse. TOPS est membre du VQF, un organisme -d’autorégulation accrédité par la FINMA. TOPS n’est donc pas directement -surveillée par la FINMA, mais exploite un service financier selon l’art. -6 al. 2 OB sans être une banque à titre professionnel (non-banque) et -donc sans garantie des dépôts des clients.</p> -<p><strong>Les utilisateurs</strong> sont propriétaires de jetons -(monnaie électronique) signés par TOPS et libellés en CHF, qui sont -stockés dans des portefeuilles Taler sous la responsabilité des -utilisateurs et avec lesquels les utilisateurs peuvent payer.</p> -<p>Les <strong>portefeuilles Taler</strong> sont des produits qui gèrent -des jetons (espèces numériques), monnaie électronique selon le protocole -GNU Taler, qu’un service de paiement émet et rachète pour payer des -bénéficiaires. Les jetons émis par TOPS (e-CHF) peuvent être utilisés -comme moyen de paiement dans les commerces fixes, dans les distributeurs -automatiques, dans les boutiques en ligne et dans les applications -auprès de commerçants ou de prestataires de services autorisés qui -acceptent ce moyen de paiement (ci-après -<strong>bénéficiaires</strong>). Les utilisateurs peuvent également -effectuer des paiements à d’autres utilisateurs ou retransférer la -monnaie électronique sur un compte bancaire suisse.</p> -<h1 id="exigences-techniques">Exigences techniques</h1> -<p>Pour pouvoir bénéficier des services proposés, les utilisateurs -doivent installer un portefeuille Taler (porte-monnaie électronique) -soit sous la forme de l’application Taler sur leur smartphone soit sous -la forme d’une extension dans un navigateur sur leur PC. Les -utilisateurs sont libres de choisir leur application de portefeuille -Taler. Les bénéficiaires sont également libres de choisir leur -application de portefeuille Taler ou leur backend Taler. Différentes -solutions sont proposées par divers fournisseurs. TOPS n’impose aucune -restriction à cet égard et ne donne aucune garantie quant à la solution -choisie. Les utilisateurs sont responsables de la sécurité de leurs -portefeuilles Taler ou backends Taler et des jetons ou données de -transaction qui y sont enregistrés.</p> -<p>Le portefeuille Taler est chargé par les utilisateurs via les -mécanismes prévus à cet effet. Pour créditer la quantité d’argent -souhaitée, on choisit dans le portefeuille Taler le service de paiement -exploité par TOPS, auquel on transfère cette quantité d’argent sur le -compte courant du service de paiement et duquel le portefeuille Taler -retire finalement les jetons électroniques correspondant à la quantité -d’argent envoyée. TOPS peut introduire d’autres options de rechargement -ou ne plus proposer les mécanismes existants. Les éventuels frais de -transaction ou autres frais liés à la recharge sont à la charge des -utilisateurs. L’avoir des utilisateurs ne porte pas d’intérêts. Les -utilisateurs prennent connaissance du fait que l’avoir n’est pas couvert -par la garantie des dépôts des clients.</p> -<p>Le débit du portefeuille Taler doit être effectué sur un compte -bancaire suisse. Les paiements internationaux ne sont pas autorisés. Les -utilisateurs peuvent payer avec le portefeuille Taler installé dans leur -smartphone ou leur navigateur web, dans les limites en vigueur, auprès -de personnes physiques et morales qui acceptent cette option de paiement -et qui ont un compte bancaire suisse pour recevoir de l’argent (p. ex. -magasins, boutiques en ligne, apps et autres bénéficiaires). Lors d’un -paiement, le montant correspondant est directement débité du -portefeuille Taler. Il faut qu’au moins le montant de la transaction -soit disponible dans le portefeuille Taler. Les utilisateurs sont tenus -responsables de tous les paiements effectués avec le portefeuille Taler -depuis leur terminal numérique, même si ces paiements ont été effectués -sans leur consentement. La personne qui a dépensé un jeton dans le -portefeuille Taler a utilisé le valeur d’argent correspondant pour -effectuer un paiement.</p> -<p>Le processus de traitement pour augmenter ou diminuer l’avoir stocké -dans le portefeuille Taler peut prendre jusqu’à plusieurs jours, selon -le mécanisme utilisé.</p> -<h1 id="tarifs-frais-commissions-et-limites">Tarifs, frais, commissions -et limites</h1> -<p>TOPS peut modifier les frais à tout moment. Les modifications n’ont -d’effet que sur les jetons achetés après la modification. Les -portefeuilles Taler conformes au protocole GNU Taler informent les -utilisateurs des changements de frais avant que de nouveaux jetons ne -soient retirés. Le retrait de jetons de TOPS après une modification des -frais vaut acceptation par l’utilisateur des conditions modifiées.</p> -<p>Des limites de 3 000 CHF par mois et de 15 000 CHF par année civile -sont définies pour le retrait de la monnaie électronique d’un compte -courant ou pour la réception de paiements peer-to-peer (d’égal à égal) -entre les portefeuilles Taler ayant un numéro de portable suisse -confirmé.</p> -<h1 id="obligations-générales-de-coopération">Obligations générales de -coopération</h1> -<p>Pour utiliser le service de paiement, l’utilisateur et le -bénéficiaire sont tenus d’aider TOPS à satisfaire aux exigences -réglementaires et légales. TOPS se conforme à toutes les réglementations -applicables en matière de lutte contre le blanchiment d’argent (AML) et -de connaissance des bénéficiaires effectifs. TOPS veillera à ce que -toutes les données personnelles soient traitées conformément aux lois -suisses sur la protection des données, y compris la nouvelle loi suisse -sur la protection des données (nLPD) et l’ordonnance sur la protection -des données (OPDo). En particulier, TOPS peut demander des informations -sur l’identité des bénéficiaires effectifs. TOPS a le droit et, le cas -échéant, l’obligation légale d’exclure les utilisateurs et les -bénéficiaires de l’utilisation du service de paiement s’ils refusent de -fournir les informations requises ou s’ils fournissent des informations -fausses.</p> -<p>Pour utiliser le service de paiement, les <em>bénéficiaires</em> -établissent une relation commerciale avec TOPS et peuvent être tenus, le -cas échéant, de s’enregistrer auprès de TOPS et de fournir les -informations demandées à cette occasion. Les bénéficiaires peuvent être -amenés à fournir des documents de vérification d’identité. Ils seront -informés de toute demande d’informations KYC et disposeront de 30 jours -pour y répondre. TOPS se réserve le droit de demander à tout moment des -informations supplémentaires pour satisfaire aux exigences -réglementaires.</p> -<p>Il n’y a pas de création de compte des <em>utilisateurs</em> chez -TOPS. TOPS enregistre cependant les comptes IBAN des utilisateurs qui -transfèrent des CHF à TOPS pour acheter des jetons. Pour recevoir des -paiements d’égal à égal (peer-to-peer), les utilisateurs ont besoin d’au -moins un numéro de téléphone portable suisse pouvant recevoir des SMS -qui serviront à leur identification.</p> -<h1 id="devoir-de-diligence-et-autres-obligations-des-utilisateurs">Devoir -de diligence et autres obligations des utilisateurs</h1> -<ol class="incremental" type="1"> -<li>Users must comply with the following duties of care when using the -payment service:</li> -</ol> -<ul class="incremental"> -<li>Le smartphone, le PC, l’ordinateur portable, etc. doivent être -protégés contre toute utilisation ou manipulation non autorisée (p. ex. -au moyen d’un verrouillage de l’appareil ou de l’écran).</li> -<li>En cas de dommage, les utilisateurs doivent contribuer de leur mieux -à l’élucidation du cas et à la réduction du dommage. En cas d’actes -délictueux, ils doivent porter plainte auprès de la police.</li> -<li>Avant chaque exécution d’un paiement, les données relatives au -bénéficiaire doivent être vérifiées afin d’éviter les transactions -erronées.</li> -<li>Les utilisateurs sont responsables de leur utilisation du système et -assument toutes les conséquences qui en découlent.</li> -<li>En particulier, les actions qu’une tierce personne effectue sans -autorisation avec un portefeuille Taler sont imputées au propriétaire du -portefeuille.</li> -</ul> -<ol class="incremental" start="2" type="1"> -<li><p>Users must be aware of the need to <strong>treat electronic money -like cash</strong> and to secure it in the same way, i.e. to create a -backup of the wallet data. The users of the Taler app are therefore -obliged to secure access to the digital end device and protect it from -unauthorized access. They must save the wallet’s data with a backup copy -on another device. The wallet’s export function helps to create and save -a backup of the wallet data. A lost user device with a wallet on it -without a backup on another device or data carrier means a total loss of -the credit.</p></li> -<li><p>It must be ensured that the end device with a Taler wallet -installed on it connects to the payment service via the Internet -<strong>within one year</strong> after the last transaction, otherwise -the credit balance in the wallet may be lost. The credit balance is -usually renewed one month before the end of the validity of the -electronic cash, which is approximately one year after its -withdrawal.</p></li> -<li><p>Communication from TOPS to users is generally carried out via -notifications in the GNU Taler protocol. Users are responsible for -responding to such notifications. TOPS has the right not to execute -transactions until the users provide legally required data.</p></li> -</ol> -<h1 id="responsabilité">Responsabilité</h1> -<p>TOPS n’est pas responsable des pertes ou des dommages subis par les -utilisateurs en raison de l’utilisation de GNU Taler, en particulier des -pertes ou des dommages</p> -<ul class="incremental"> -<li>en raison d’erreurs de transmission, de pannes techniques ou de -défauts, de défaillances et d’accès ou d’interventions non autorisés sur -le terminal numérique,</li> -<li>résultant en tout ou en partie d’une violation des présentes CGU ou -des lois applicables par les utilisateurs,</li> -<li>en raison d’un dysfonctionnement ou d’un défaut du logiciel ou du -matériel utilisé,</li> -<li>en raison de perturbations, d’interruptions (y compris les travaux -de maintenance du système) ou de surcharges des systèmes informatiques -ou des réseaux concernés,</li> -<li>en raison de paiements qui ne sont pas traités ou qui sont traités -avec retard,</li> -<li>résultant d’actions ou d’omissions de tiers (y compris des -auxiliaires de TOPS),</li> -</ul> -<p>à moins que ces pertes ou dommages ne soient dus à une négligence -grave ou à une faute intentionnelle de TOPS. TOPS indemnise les dommages -matériels et pécuniaires à hauteur de 1 000 CHF maximum par événement. -La responsabilité pour les dommages consécutifs, le manque à gagner ou -la perte de données est exclue dans tous les cas - dans la mesure où la -loi le permet.</p> -<h1 id="utilisation-abus">Utilisation ; abus</h1> -<p>Les utilisateurs indemnisent TOPS en cas de dommages ou de pertes -subis par TOPS en raison du non-respect des présentes CGU ou des -dispositions légales, en raison d’informations erronées ou incomplètes -fournies par les utilisateurs ou en raison d’une exécution incorrecte -des instructions.</p> -<p>Si l’utilisation s’écarte considérablement de l’usage habituel ou -s’il existe des signes d’un comportement contraire à la loi ou au -contrat, TOPS peut exiger des utilisateurs qu’ils utilisent les services -conformément à la loi et au contrat, modifier, restreindre ou suspendre -la fourniture des services sans préavis et sans indemnité, résilier la -relation commerciale sans préavis et sans indemnité et, le cas échéant, -exiger la compensation des dommages et intérêts ainsi que l’exonération -des créances de tiers. TOPS se réserve le droit de retenir les paiements -aux bénéficiaires en cas de violation des règles ou d’abus.</p> -<h1 id="réserves-concernant-les-modifications-apportées-aux-présentes-cgu">Réserves -concernant les modifications apportées aux présentes CGU</h1> -<p>TOPS peut modifier les CGU à tout moment. Les modifications n’ont -d’effet que sur les jetons obtenus après la modification. Les -portefeuilles Taler conformes au protocole GNU Taler informent les -utilisateurs des changements avant que de nouveaux jetons ne soient -retirés. Le retrait de jetons de TOPS après une modification des CGU est -considéré comme une acceptation des conditions modifiées.</p> -<p>Les éventuelles dispositions légales régissant le fonctionnement et -l’utilisation des terminaux numériques, des services de paiement, de -l’Internet et d’autres infrastructures demeurent réservées et -s’appliquent également aux services TOPS dès leur entrée en vigueur.</p> -<p>TOPS se réserve le droit de modifier, de limiter ou d’interrompre -complètement l’offre de services à tout moment et sans préavis, -notamment en raison d’exigences légales, de problèmes techniques, pour -prévenir les abus, sur ordre des autorités ou pour des raisons de -sécurité.</p> -<p>TOPS peut transférer les relations contractuelles (y compris un -avoir) à une autre société ou entreprise à tout moment et sans -information préalable.</p> -<h1 id="confidentialité-et-protection-des-données">Confidentialité et -protection des données</h1> -<p>Les données personnelles ne sont collectées, traitées, conservées ou -transmises par TOPS que dans le cadre du respect des obligations -légales. Aucune donnée relative à l’identité de l’utilisateur n’est -collectée lors du processus de paiement par monnaie électronique.</p> -<p>TOPS fournit une assistance technique aux utilisateurs qui en font la -demande. Des tiers peuvent participer à la fourniture de cette -assistance. Ceux-ci ont accès aux données personnelles nécessaires pour -communiquer avec les utilisateurs.</p> -<p>En ce qui concerne la collecte, le traitement et l’utilisation des -données personnelles des utilisateurs, TOPS s’engage à respecter les -dispositions de la législation suisse sur la protection des données, -notamment la loi fédérale sur la protection des données et l’ordonnance -sur la protection des données.</p> -<p>Toutes les données du système sont hébergées en premier lieu en -Suisse.</p> -<p>Le cas échéant, les processus de connaissance du client (abrévié KYC -en anglais) sont gérés par des prestataires de services. Ceux-ci sont -également tenus de sécuriser les données conformément au droit et à la -législation suisses. Les données proprement dites du système central -sont stockées de manière redondante (c’est-à-dire avec une sauvegarde) -sur des disques durs cryptés et ne sont accessibles qu’au personnel -autorisé. Le personnel autorisé est soumis à un contrôle de sécurité par -TOPS. L’ensemble du design du service de paiement GNU Taler a été -strictement mis en œuvre selon les principes « Privacy-by-Design » et « -Privacy-by-Default ».</p> -<p>Pour plus d’informations sur le traitement des données, veuillez -consulter la déclaration de confidentialité sur le site web de TOPS -(www.taler-ops.ch).</p> -<h1 id="durée-et-résiliation">Durée et résiliation</h1> -<p>La relation commerciale entre TOPS et les bénéficiaires (commerçants, -entreprises, vendeurs et autres destinataires réguliers des virements du -service de paiement vers les comptes IBAN des bénéficiaires) est conclue -pour une durée indéterminée. TOPS peut à tout moment - notamment en cas -d’abus avec effet immédiat - résilier la relation commerciale avec les -bénéficiaires. Une résiliation écrite par TOPS est envoyée à l’une des -dernières adresses communiquées par les partenaires commerciaux (par ex. -par e-mail ou par lettre). Si aucune transaction n’est effectuée en -faveur les bénéficiaires pendant plus de 12 mois, la relation -commerciale est automatiquement considérée comme terminée.</p> -<p>Les utilisateurs des portefeuilles Taler peuvent à tout moment faire -transférer l’avoir qu’ils détiennent dans les portefeuilles Taler sur -des comptes bancaires en Suisse et ainsi solder leur avoir. En cas de -cessation d’activité du service de paiement de TOPS, les utilisateurs -sont informés de l’arrêt imminent du service de paiement par le -protocole de Taler et sont invités par les portefeuilles Taler à solder -l’avoir existant. Les utilisateurs qui omettent de procéder à cette -compensation perdent, au bout de 3 mois, le droit à l’avoir existant -encore après cette période, lequel devient la propriété de TOPS.</p> -<h1 id="droit-applicable-et-juridiction-compétente">Droit applicable et -juridiction compétente</h1> -<p>Dans la mesure où la loi le permet, toutes les relations juridiques -entre TOPS et les utilisateurs sont exclusivement soumises au droit -matériel suisse, à l’exclusion des règles de conflit de lois et à -l’exclusion des traités internationaux.</p> -<p>Sous réserve de dispositions légales impératives contraires, Bienne -est le for exclusif et le lieu d’exécution. Pour les utilisateurs et les -bénéficiaires domiciliés en dehors de la Suisse, Bienne est également le -lieu de poursuite.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.md @@ -1,115 +0,0 @@ -# Conditions générales d’utilisation de Taler Operations AG - -Les présentes conditions générales d’utilisation (ci-après **CGU**) de l’entreprise Taler Operations AG régissent les droits et obligations des utilisateurs et des bénéficiaires du service de paiement proposé. En utilisant le service de paiement, les utilisateurs acceptent automatiquement les présentes CGU. - -## Prestation de services ; champ d’application - -GNU Taler est un système technique qui permet d’effectuer des paiements sans argent liquide. Taler Operations AG (ci-après **TOPS**), dont le siège est à Biel/Bienne, Suisse, propose un **service de paiement** basé sur GNU Taler pour les utilisateurs en Suisse. TOPS est membre du VQF, un organisme d’autorégulation accrédité par la FINMA. TOPS n’est donc pas directement surveillée par la FINMA, mais exploite un service financier selon l’art. 6 al. 2 OB sans être une banque à titre professionnel (non-banque) et donc sans garantie des dépôts des clients. - -**Les utilisateurs** sont propriétaires de jetons (monnaie électronique) signés par TOPS et libellés en CHF, qui sont stockés dans des portefeuilles Taler sous la responsabilité des utilisateurs et avec lesquels les utilisateurs peuvent payer. - -Les **portefeuilles Taler** sont des produits qui gèrent des jetons (espèces numériques), monnaie électronique selon le protocole GNU Taler, qu’un service de paiement émet et rachète pour payer des bénéficiaires. Les jetons émis par TOPS (e-CHF) peuvent être utilisés comme moyen de paiement dans les commerces fixes, dans les distributeurs automatiques, dans les boutiques en ligne et dans les applications auprès de commerçants ou de prestataires de services autorisés qui acceptent ce moyen de paiement (ci-après **bénéficiaires**). Les utilisateurs peuvent également effectuer des paiements à d’autres utilisateurs ou retransférer la monnaie électronique sur un compte bancaire suisse. - -## Exigences techniques - -Pour pouvoir bénéficier des services proposés, les utilisateurs doivent installer un portefeuille Taler (porte-monnaie électronique) soit sous la forme de l’application Taler sur leur smartphone soit sous la forme d’une extension dans un navigateur sur leur PC. Les utilisateurs sont libres de choisir leur application de portefeuille Taler. Les bénéficiaires sont également libres de choisir leur application de portefeuille Taler ou leur backend Taler. Différentes solutions sont proposées par divers fournisseurs. TOPS n’impose aucune restriction à cet égard et ne donne aucune garantie quant à la solution choisie. Les utilisateurs sont responsables de la sécurité de leurs portefeuilles Taler ou backends Taler et des jetons ou données de transaction qui y sont enregistrés. - -Le portefeuille Taler est chargé par les utilisateurs via les mécanismes prévus à cet effet. Pour créditer la quantité d’argent souhaitée, on choisit dans le portefeuille Taler le service de paiement exploité par TOPS, auquel on transfère cette quantité d’argent sur le compte courant du service de paiement et duquel le portefeuille Taler retire finalement les jetons électroniques correspondant à la quantité d’argent envoyée. TOPS peut introduire d’autres options de rechargement ou ne plus proposer les mécanismes existants. Les éventuels frais de transaction ou autres frais liés à la recharge sont à la charge des utilisateurs. L’avoir des utilisateurs ne porte pas d’intérêts. Les utilisateurs prennent connaissance du fait que l’avoir n’est pas couvert par la garantie des dépôts des clients. - -Le débit du portefeuille Taler doit être effectué sur un compte bancaire suisse. Les paiements internationaux ne sont pas autorisés. Les utilisateurs peuvent payer avec le portefeuille Taler installé dans leur smartphone ou leur navigateur web, dans les limites en vigueur, auprès de personnes physiques et morales qui acceptent cette option de paiement et qui ont un compte bancaire suisse pour recevoir de l’argent (p. ex. magasins, boutiques en ligne, apps et autres bénéficiaires). Lors d’un paiement, le montant correspondant est directement débité du portefeuille Taler. Il faut qu’au moins le montant de la transaction soit disponible dans le portefeuille Taler. Les utilisateurs sont tenus responsables de tous les paiements effectués avec le portefeuille Taler depuis leur terminal numérique, même si ces paiements ont été effectués sans leur consentement. La personne qui a dépensé un jeton dans le portefeuille Taler a utilisé le valeur d’argent correspondant pour effectuer un paiement. - -Le processus de traitement pour augmenter ou diminuer l’avoir stocké dans le portefeuille Taler peut prendre jusqu’à plusieurs jours, selon le mécanisme utilisé. - -## Tarifs, frais, commissions et limites - -TOPS peut modifier les frais à tout moment. Les modifications n’ont d’effet que sur les jetons achetés après la modification. Les portefeuilles Taler conformes au protocole GNU Taler informent les utilisateurs des changements de frais avant que de nouveaux jetons ne soient retirés. Le retrait de jetons de TOPS après une modification des frais vaut acceptation par l’utilisateur des conditions modifiées. - -Des limites de 3 000 CHF par mois et de 15 000 CHF par année civile sont définies pour le retrait de la monnaie électronique d’un compte courant ou pour la réception de paiements peer-to-peer (d’égal à égal) entre les portefeuilles Taler ayant un numéro de portable suisse confirmé. - -## Obligations générales de coopération - -Pour utiliser le service de paiement, l’utilisateur et le bénéficiaire sont tenus d’aider TOPS à satisfaire aux exigences réglementaires et légales. TOPS se conforme à toutes les réglementations applicables en matière de lutte contre le blanchiment d’argent (AML) et de connaissance des bénéficiaires effectifs. TOPS veillera à ce que toutes les données personnelles soient traitées conformément aux lois suisses sur la protection des données, y compris la nouvelle loi suisse sur la protection des données (nLPD) et l’ordonnance sur la protection des données (OPDo). En particulier, TOPS peut demander des informations sur l’identité des bénéficiaires effectifs. TOPS a le droit et, le cas échéant, l’obligation légale d’exclure les utilisateurs et les bénéficiaires de l’utilisation du service de paiement s’ils refusent de fournir les informations requises ou s’ils fournissent des informations fausses. - -Pour utiliser le service de paiement, les *bénéficiaires* établissent une relation commerciale avec TOPS et peuvent être tenus, le cas échéant, de s’enregistrer auprès de TOPS et de fournir les informations demandées à cette occasion. Les bénéficiaires peuvent être amenés à fournir des documents de vérification d’identité. Ils seront informés de toute demande d’informations KYC et disposeront de 30 jours pour y répondre. TOPS se réserve le droit de demander à tout moment des informations supplémentaires pour satisfaire aux exigences réglementaires. - -Il n’y a pas de création de compte des *utilisateurs* chez TOPS. TOPS enregistre cependant les comptes IBAN des utilisateurs qui transfèrent des CHF à TOPS pour acheter des jetons. Pour recevoir des paiements d’égal à égal (peer-to-peer), les utilisateurs ont besoin d’au moins un numéro de téléphone portable suisse pouvant recevoir des SMS qui serviront à leur identification. - -## Devoir de diligence et autres obligations des utilisateurs - -1. -Users must comply with the following duties of care when using the payment service: - -* Le smartphone, le PC, l’ordinateur portable, etc. doivent être protégés contre toute utilisation ou manipulation non autorisée (p. ex. au moyen d’un verrouillage de l’appareil ou de l’écran). -* En cas de dommage, les utilisateurs doivent contribuer de leur mieux à l’élucidation du cas et à la réduction du dommage. En cas d’actes délictueux, ils doivent porter plainte auprès de la police. -* Avant chaque exécution d’un paiement, les données relatives au bénéficiaire doivent être vérifiées afin d’éviter les transactions erronées. -* Les utilisateurs sont responsables de leur utilisation du système et assument toutes les conséquences qui en découlent. -* En particulier, les actions qu’une tierce personne effectue sans autorisation avec un portefeuille Taler sont imputées au propriétaire du portefeuille. - -2. Users must be aware of the need to **treat electronic money like cash** and to secure it in the same way, i.e. to create a backup of the wallet data. -The users of the Taler app are therefore obliged to secure access to the digital end device and protect it from unauthorized access. -They must save the wallet’s data with a backup copy on another device. The wallet’s export function helps to create and save a backup of the wallet data. -A lost user device with a wallet on it without a backup on another device or data carrier means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed on it connects to the payment service via the Internet **within one year** -after the last transaction, otherwise the credit balance in the wallet may be lost. -The credit balance is usually renewed one month before the end of the validity of the electronic cash, -which is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via notifications in the GNU Taler protocol. -Users are responsible for responding to such notifications. -TOPS has the right not to execute transactions until the users provide legally required data. - -## Responsabilité - -TOPS n’est pas responsable des pertes ou des dommages subis par les utilisateurs en raison de l’utilisation de GNU Taler, en particulier des pertes ou des dommages - -* en raison d’erreurs de transmission, de pannes techniques ou de défauts, de défaillances et d’accès ou d’interventions non autorisés sur le terminal numérique, -* résultant en tout ou en partie d’une violation des présentes CGU ou des lois applicables par les utilisateurs, -* en raison d’un dysfonctionnement ou d’un défaut du logiciel ou du matériel utilisé, -* en raison de perturbations, d’interruptions (y compris les travaux de maintenance du système) ou de surcharges des systèmes informatiques ou des réseaux concernés, -* en raison de paiements qui ne sont pas traités ou qui sont traités avec retard, -* résultant d’actions ou d’omissions de tiers (y compris des auxiliaires de TOPS), - -à moins que ces pertes ou dommages ne soient dus à une négligence grave ou à une faute intentionnelle de TOPS. TOPS indemnise les dommages matériels et pécuniaires à hauteur de 1 000 CHF maximum par événement. La responsabilité pour les dommages consécutifs, le manque à gagner ou la perte de données est exclue dans tous les cas - dans la mesure où la loi le permet. - -## Utilisation ; abus - -Les utilisateurs indemnisent TOPS en cas de dommages ou de pertes subis par TOPS en raison du non-respect des présentes CGU ou des dispositions légales, en raison d’informations erronées ou incomplètes fournies par les utilisateurs ou en raison d’une exécution incorrecte des instructions. - -Si l’utilisation s’écarte considérablement de l’usage habituel ou s’il existe des signes d’un comportement contraire à la loi ou au contrat, TOPS peut exiger des utilisateurs qu’ils utilisent les services conformément à la loi et au contrat, modifier, restreindre ou suspendre la fourniture des services sans préavis et sans indemnité, résilier la relation commerciale sans préavis et sans indemnité et, le cas échéant, exiger la compensation des dommages et intérêts ainsi que l’exonération des créances de tiers. TOPS se réserve le droit de retenir les paiements aux bénéficiaires en cas de violation des règles ou d’abus. - -## Réserves concernant les modifications apportées aux présentes CGU - -TOPS peut modifier les CGU à tout moment. Les modifications n’ont d’effet que sur les jetons obtenus après la modification. Les portefeuilles Taler conformes au protocole GNU Taler informent les utilisateurs des changements avant que de nouveaux jetons ne soient retirés. Le retrait de jetons de TOPS après une modification des CGU est considéré comme une acceptation des conditions modifiées. - -Les éventuelles dispositions légales régissant le fonctionnement et l’utilisation des terminaux numériques, des services de paiement, de l’Internet et d’autres infrastructures demeurent réservées et s’appliquent également aux services TOPS dès leur entrée en vigueur. - -TOPS se réserve le droit de modifier, de limiter ou d’interrompre complètement l’offre de services à tout moment et sans préavis, notamment en raison d’exigences légales, de problèmes techniques, pour prévenir les abus, sur ordre des autorités ou pour des raisons de sécurité. - -TOPS peut transférer les relations contractuelles (y compris un avoir) à une autre société ou entreprise à tout moment et sans information préalable. - -## Confidentialité et protection des données - -Les données personnelles ne sont collectées, traitées, conservées ou transmises par TOPS que dans le cadre du respect des obligations légales. Aucune donnée relative à l’identité de l’utilisateur n’est collectée lors du processus de paiement par monnaie électronique. - -TOPS fournit une assistance technique aux utilisateurs qui en font la demande. Des tiers peuvent participer à la fourniture de cette assistance. Ceux-ci ont accès aux données personnelles nécessaires pour communiquer avec les utilisateurs. - -En ce qui concerne la collecte, le traitement et l’utilisation des données personnelles des utilisateurs, TOPS s’engage à respecter les dispositions de la législation suisse sur la protection des données, notamment la loi fédérale sur la protection des données et l’ordonnance sur la protection des données. - -Toutes les données du système sont hébergées en premier lieu en Suisse. - -Le cas échéant, les processus de connaissance du client (abrévié KYC en anglais) sont gérés par des prestataires de services. Ceux-ci sont également tenus de sécuriser les données conformément au droit et à la législation suisses. Les données proprement dites du système central sont stockées de manière redondante (c’est-à-dire avec une sauvegarde) sur des disques durs cryptés et ne sont accessibles qu’au personnel autorisé. Le personnel autorisé est soumis à un contrôle de sécurité par TOPS. L’ensemble du design du service de paiement GNU Taler a été strictement mis en œuvre selon les principes « Privacy-by-Design » et « Privacy-by-Default ». - -Pour plus d’informations sur le traitement des données, veuillez consulter la déclaration de confidentialité sur le site web de TOPS (www.taler-ops.ch). - -## Durée et résiliation - -La relation commerciale entre TOPS et les bénéficiaires (commerçants, entreprises, vendeurs et autres destinataires réguliers des virements du service de paiement vers les comptes IBAN des bénéficiaires) est conclue pour une durée indéterminée. TOPS peut à tout moment - notamment en cas d’abus avec effet immédiat - résilier la relation commerciale avec les bénéficiaires. Une résiliation écrite par TOPS est envoyée à l’une des dernières adresses communiquées par les partenaires commerciaux (par ex. par e-mail ou par lettre). Si aucune transaction n’est effectuée en faveur les bénéficiaires pendant plus de 12 mois, la relation commerciale est automatiquement considérée comme terminée. - -Les utilisateurs des portefeuilles Taler peuvent à tout moment faire transférer l’avoir qu’ils détiennent dans les portefeuilles Taler sur des comptes bancaires en Suisse et ainsi solder leur avoir. En cas de cessation d’activité du service de paiement de TOPS, les utilisateurs sont informés de l’arrêt imminent du service de paiement par le protocole de Taler et sont invités par les portefeuilles Taler à solder l’avoir existant. Les utilisateurs qui omettent de procéder à cette compensation perdent, au bout de 3 mois, le droit à l’avoir existant encore après cette période, lequel devient la propriété de TOPS. - -## Droit applicable et juridiction compétente - -Dans la mesure où la loi le permet, toutes les relations juridiques entre TOPS et les utilisateurs sont exclusivement soumises au droit matériel suisse, à l’exclusion des règles de conflit de lois et à l’exclusion des traités internationaux. - -Sous réserve de dispositions légales impératives contraires, Bienne est le for exclusif et le lieu d’exécution. Pour les utilisateurs et les bénéficiaires domiciliés en dehors de la Suisse, Bienne est également le lieu de poursuite. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/fr/exchange-tos-tops-v0.txt @@ -1,312 +0,0 @@ -# Conditions générales d'utilisation de Taler Operations AG - -Les présentes conditions générales d'utilisation (ci-après **CGU**) de -l'entreprise Taler Operations AG régissent les droits et obligations des -utilisateurs et des bénéficiaires du service de paiement proposé. En -utilisant le service de paiement, les utilisateurs acceptent -automatiquement les présentes CGU. - -## Prestation de services ; champ d'application - -GNU Taler est un système technique qui permet d'effectuer des paiements -sans argent liquide. Taler Operations AG (ci-après **TOPS**), dont le -siège est à Biel/Bienne, Suisse, propose un **service de paiement** basé -sur GNU Taler pour les utilisateurs en Suisse. TOPS est membre du VQF, -un organisme d'autorégulation accrédité par la FINMA. TOPS n'est donc -pas directement surveillée par la FINMA, mais exploite un service -financier selon l'art. 6 al. 2 OB sans être une banque à titre -professionnel (non-banque) et donc sans garantie des dépôts des clients. - -**Les utilisateurs** sont propriétaires de jetons (monnaie électronique) -signés par TOPS et libellés en CHF, qui sont stockés dans des -portefeuilles Taler sous la responsabilité des utilisateurs et avec -lesquels les utilisateurs peuvent payer. - -Les **portefeuilles Taler** sont des produits qui gèrent des jetons -(espèces numériques), monnaie électronique selon le protocole GNU Taler, -qu'un service de paiement émet et rachète pour payer des bénéficiaires. -Les jetons émis par TOPS (e-CHF) peuvent être utilisés comme moyen de -paiement dans les commerces fixes, dans les distributeurs automatiques, -dans les boutiques en ligne et dans les applications auprès de -commerçants ou de prestataires de services autorisés qui acceptent ce -moyen de paiement (ci-après **bénéficiaires**). Les utilisateurs peuvent -également effectuer des paiements à d'autres utilisateurs ou -retransférer la monnaie électronique sur un compte bancaire suisse. - -## Exigences techniques - -Pour pouvoir bénéficier des services proposés, les utilisateurs doivent -installer un portefeuille Taler (porte-monnaie électronique) soit sous -la forme de l'application Taler sur leur smartphone soit sous la forme -d'une extension dans un navigateur sur leur PC. Les utilisateurs sont -libres de choisir leur application de portefeuille Taler. Les -bénéficiaires sont également libres de choisir leur application de -portefeuille Taler ou leur backend Taler. Différentes solutions sont -proposées par divers fournisseurs. TOPS n'impose aucune restriction à -cet égard et ne donne aucune garantie quant à la solution choisie. Les -utilisateurs sont responsables de la sécurité de leurs portefeuilles -Taler ou backends Taler et des jetons ou données de transaction qui y -sont enregistrés. - -Le portefeuille Taler est chargé par les utilisateurs via les mécanismes -prévus à cet effet. Pour créditer la quantité d'argent souhaitée, on -choisit dans le portefeuille Taler le service de paiement exploité par -TOPS, auquel on transfère cette quantité d'argent sur le compte courant -du service de paiement et duquel le portefeuille Taler retire finalement -les jetons électroniques correspondant à la quantité d'argent envoyée. -TOPS peut introduire d'autres options de rechargement ou ne plus -proposer les mécanismes existants. Les éventuels frais de transaction ou -autres frais liés à la recharge sont à la charge des utilisateurs. -L'avoir des utilisateurs ne porte pas d'intérêts. Les utilisateurs -prennent connaissance du fait que l'avoir n'est pas couvert par la -garantie des dépôts des clients. - -Le débit du portefeuille Taler doit être effectué sur un compte bancaire -suisse. Les paiements internationaux ne sont pas autorisés. Les -utilisateurs peuvent payer avec le portefeuille Taler installé dans leur -smartphone ou leur navigateur web, dans les limites en vigueur, auprès -de personnes physiques et morales qui acceptent cette option de paiement -et qui ont un compte bancaire suisse pour recevoir de l'argent (p. ex. -magasins, boutiques en ligne, apps et autres bénéficiaires). Lors d'un -paiement, le montant correspondant est directement débité du -portefeuille Taler. Il faut qu'au moins le montant de la transaction -soit disponible dans le portefeuille Taler. Les utilisateurs sont tenus -responsables de tous les paiements effectués avec le portefeuille Taler -depuis leur terminal numérique, même si ces paiements ont été effectués -sans leur consentement. La personne qui a dépensé un jeton dans le -portefeuille Taler a utilisé le valeur d'argent correspondant pour -effectuer un paiement. - -Le processus de traitement pour augmenter ou diminuer l'avoir stocké -dans le portefeuille Taler peut prendre jusqu'à plusieurs jours, selon -le mécanisme utilisé. - -## Tarifs, frais, commissions et limites - -TOPS peut modifier les frais à tout moment. Les modifications n'ont -d'effet que sur les jetons achetés après la modification. Les -portefeuilles Taler conformes au protocole GNU Taler informent les -utilisateurs des changements de frais avant que de nouveaux jetons ne -soient retirés. Le retrait de jetons de TOPS après une modification des -frais vaut acceptation par l'utilisateur des conditions modifiées. - -Des limites de 3 000 CHF par mois et de 15 000 CHF par année civile sont -définies pour le retrait de la monnaie électronique d'un compte courant -ou pour la réception de paiements peer-to-peer (d'égal à égal) entre les -portefeuilles Taler ayant un numéro de portable suisse confirmé. - -## Obligations générales de coopération - -Pour utiliser le service de paiement, l'utilisateur et le bénéficiaire -sont tenus d'aider TOPS à satisfaire aux exigences réglementaires et -légales. TOPS se conforme à toutes les réglementations applicables en -matière de lutte contre le blanchiment d'argent (AML) et de connaissance -des bénéficiaires effectifs. TOPS veillera à ce que toutes les données -personnelles soient traitées conformément aux lois suisses sur la -protection des données, y compris la nouvelle loi suisse sur la -protection des données (nLPD) et l'ordonnance sur la protection des -données (OPDo). En particulier, TOPS peut demander des informations sur -l'identité des bénéficiaires effectifs. TOPS a le droit et, le cas -échéant, l'obligation légale d'exclure les utilisateurs et les -bénéficiaires de l'utilisation du service de paiement s'ils refusent de -fournir les informations requises ou s'ils fournissent des informations -fausses. - -Pour utiliser le service de paiement, les *bénéficiaires* établissent -une relation commerciale avec TOPS et peuvent être tenus, le cas -échéant, de s'enregistrer auprès de TOPS et de fournir les informations -demandées à cette occasion. Les bénéficiaires peuvent être amenés à -fournir des documents de vérification d'identité. Ils seront informés de -toute demande d'informations KYC et disposeront de 30 jours pour y -répondre. TOPS se réserve le droit de demander à tout moment des -informations supplémentaires pour satisfaire aux exigences -réglementaires. - -Il n'y a pas de création de compte des *utilisateurs* chez TOPS. TOPS -enregistre cependant les comptes IBAN des utilisateurs qui transfèrent -des CHF à TOPS pour acheter des jetons. Pour recevoir des paiements -d'égal à égal (peer-to-peer), les utilisateurs ont besoin d'au moins un -numéro de téléphone portable suisse pouvant recevoir des SMS qui -serviront à leur identification. - -## Devoir de diligence et autres obligations des utilisateurs - -1. Users must comply with the following duties of care when using the - payment service: - -- Le smartphone, le PC, l'ordinateur portable, etc. doivent être - protégés contre toute utilisation ou manipulation non autorisée - (p. ex. au moyen d'un verrouillage de l'appareil ou de l'écran). -- En cas de dommage, les utilisateurs doivent contribuer de leur mieux - à l'élucidation du cas et à la réduction du dommage. En cas d'actes - délictueux, ils doivent porter plainte auprès de la police. -- Avant chaque exécution d'un paiement, les données relatives au - bénéficiaire doivent être vérifiées afin d'éviter les transactions - erronées. -- Les utilisateurs sont responsables de leur utilisation du système et - assument toutes les conséquences qui en découlent. -- En particulier, les actions qu'une tierce personne effectue sans - autorisation avec un portefeuille Taler sont imputées au - propriétaire du portefeuille. - -2. Users must be aware of the need to **treat electronic money like - cash** and to secure it in the same way, i.e. to create a backup of - the wallet data. The users of the Taler app are therefore obliged to - secure access to the digital end device and protect it from - unauthorized access. They must save the wallet's data with a backup - copy on another device. The wallet's export function helps to create - and save a backup of the wallet data. A lost user device with a - wallet on it without a backup on another device or data carrier - means a total loss of the credit. - -3. It must be ensured that the end device with a Taler wallet installed - on it connects to the payment service via the Internet **within one - year** after the last transaction, otherwise the credit balance in - the wallet may be lost. The credit balance is usually renewed one - month before the end of the validity of the electronic cash, which - is approximately one year after its withdrawal. - -4. Communication from TOPS to users is generally carried out via - notifications in the GNU Taler protocol. Users are responsible for - responding to such notifications. TOPS has the right not to execute - transactions until the users provide legally required data. - -## Responsabilité - -TOPS n'est pas responsable des pertes ou des dommages subis par les -utilisateurs en raison de l'utilisation de GNU Taler, en particulier des -pertes ou des dommages - -- en raison d'erreurs de transmission, de pannes techniques ou de - défauts, de défaillances et d'accès ou d'interventions non autorisés - sur le terminal numérique, -- résultant en tout ou en partie d'une violation des présentes CGU ou - des lois applicables par les utilisateurs, -- en raison d'un dysfonctionnement ou d'un défaut du logiciel ou du - matériel utilisé, -- en raison de perturbations, d'interruptions (y compris les travaux - de maintenance du système) ou de surcharges des systèmes - informatiques ou des réseaux concernés, -- en raison de paiements qui ne sont pas traités ou qui sont traités - avec retard, -- résultant d'actions ou d'omissions de tiers (y compris des - auxiliaires de TOPS), - -à moins que ces pertes ou dommages ne soient dus à une négligence grave -ou à une faute intentionnelle de TOPS. TOPS indemnise les dommages -matériels et pécuniaires à hauteur de 1 000 CHF maximum par événement. -La responsabilité pour les dommages consécutifs, le manque à gagner ou -la perte de données est exclue dans tous les cas - dans la mesure où la -loi le permet. - -## Utilisation ; abus - -Les utilisateurs indemnisent TOPS en cas de dommages ou de pertes subis -par TOPS en raison du non-respect des présentes CGU ou des dispositions -légales, en raison d'informations erronées ou incomplètes fournies par -les utilisateurs ou en raison d'une exécution incorrecte des -instructions. - -Si l'utilisation s'écarte considérablement de l'usage habituel ou s'il -existe des signes d'un comportement contraire à la loi ou au contrat, -TOPS peut exiger des utilisateurs qu'ils utilisent les services -conformément à la loi et au contrat, modifier, restreindre ou suspendre -la fourniture des services sans préavis et sans indemnité, résilier la -relation commerciale sans préavis et sans indemnité et, le cas échéant, -exiger la compensation des dommages et intérêts ainsi que l'exonération -des créances de tiers. TOPS se réserve le droit de retenir les paiements -aux bénéficiaires en cas de violation des règles ou d'abus. - -## Réserves concernant les modifications apportées aux présentes CGU - -TOPS peut modifier les CGU à tout moment. Les modifications n'ont -d'effet que sur les jetons obtenus après la modification. Les -portefeuilles Taler conformes au protocole GNU Taler informent les -utilisateurs des changements avant que de nouveaux jetons ne soient -retirés. Le retrait de jetons de TOPS après une modification des CGU est -considéré comme une acceptation des conditions modifiées. - -Les éventuelles dispositions légales régissant le fonctionnement et -l'utilisation des terminaux numériques, des services de paiement, de -l'Internet et d'autres infrastructures demeurent réservées et -s'appliquent également aux services TOPS dès leur entrée en vigueur. - -TOPS se réserve le droit de modifier, de limiter ou d'interrompre -complètement l'offre de services à tout moment et sans préavis, -notamment en raison d'exigences légales, de problèmes techniques, pour -prévenir les abus, sur ordre des autorités ou pour des raisons de -sécurité. - -TOPS peut transférer les relations contractuelles (y compris un avoir) à -une autre société ou entreprise à tout moment et sans information -préalable. - -## Confidentialité et protection des données - -Les données personnelles ne sont collectées, traitées, conservées ou -transmises par TOPS que dans le cadre du respect des obligations -légales. Aucune donnée relative à l'identité de l'utilisateur n'est -collectée lors du processus de paiement par monnaie électronique. - -TOPS fournit une assistance technique aux utilisateurs qui en font la -demande. Des tiers peuvent participer à la fourniture de cette -assistance. Ceux-ci ont accès aux données personnelles nécessaires pour -communiquer avec les utilisateurs. - -En ce qui concerne la collecte, le traitement et l'utilisation des -données personnelles des utilisateurs, TOPS s'engage à respecter les -dispositions de la législation suisse sur la protection des données, -notamment la loi fédérale sur la protection des données et l'ordonnance -sur la protection des données. - -Toutes les données du système sont hébergées en premier lieu en Suisse. - -Le cas échéant, les processus de connaissance du client (abrévié KYC en -anglais) sont gérés par des prestataires de services. Ceux-ci sont -également tenus de sécuriser les données conformément au droit et à la -législation suisses. Les données proprement dites du système central -sont stockées de manière redondante (c'est-à-dire avec une sauvegarde) -sur des disques durs cryptés et ne sont accessibles qu'au personnel -autorisé. Le personnel autorisé est soumis à un contrôle de sécurité par -TOPS. L'ensemble du design du service de paiement GNU Taler a été -strictement mis en œuvre selon les principes « Privacy-by-Design » et « -Privacy-by-Default ». - -Pour plus d'informations sur le traitement des données, veuillez -consulter la déclaration de confidentialité sur le site web de TOPS -(www.taler-ops.ch). - -## Durée et résiliation - -La relation commerciale entre TOPS et les bénéficiaires (commerçants, -entreprises, vendeurs et autres destinataires réguliers des virements du -service de paiement vers les comptes IBAN des bénéficiaires) est conclue -pour une durée indéterminée. TOPS peut à tout moment - notamment en cas -d'abus avec effet immédiat - résilier la relation commerciale avec les -bénéficiaires. Une résiliation écrite par TOPS est envoyée à l'une des -dernières adresses communiquées par les partenaires commerciaux (par ex. -par e-mail ou par lettre). Si aucune transaction n'est effectuée en -faveur les bénéficiaires pendant plus de 12 mois, la relation -commerciale est automatiquement considérée comme terminée. - -Les utilisateurs des portefeuilles Taler peuvent à tout moment faire -transférer l'avoir qu'ils détiennent dans les portefeuilles Taler sur -des comptes bancaires en Suisse et ainsi solder leur avoir. En cas de -cessation d'activité du service de paiement de TOPS, les utilisateurs -sont informés de l'arrêt imminent du service de paiement par le -protocole de Taler et sont invités par les portefeuilles Taler à solder -l'avoir existant. Les utilisateurs qui omettent de procéder à cette -compensation perdent, au bout de 3 mois, le droit à l'avoir existant -encore après cette période, lequel devient la propriété de TOPS. - -## Droit applicable et juridiction compétente - -Dans la mesure où la loi le permet, toutes les relations juridiques -entre TOPS et les utilisateurs sont exclusivement soumises au droit -matériel suisse, à l'exclusion des règles de conflit de lois et à -l'exclusion des traités internationaux. - -Sous réserve de dispositions légales impératives contraires, Bienne est -le for exclusif et le lieu d'exécution. Pour les utilisateurs et les -bénéficiaires domiciliés en dehors de la Suisse, Bienne est également le -lieu de poursuite. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.html b/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.html @@ -1,432 +0,0 @@ -<!DOCTYPE html> -<html xmlns="http://www.w3.org/1999/xhtml" lang xml:lang> -<head> - <meta charset="utf-8" /> - <meta name="generator" content="pandoc" /> - <meta name="viewport" content="width=device-width, initial-scale=1.0, user-scalable=yes" /> - <title>Terms of Service</title> - <style> - html { - line-height: 1.5; - font-family: Georgia, serif; - font-size: 20px; - color: #1a1a1a; - background-color: #fdfdfd; - } - body { - margin: 0 auto; - max-width: 36em; - padding-left: 50px; - padding-right: 50px; - padding-top: 50px; - padding-bottom: 50px; - hyphens: auto; - overflow-wrap: break-word; - text-rendering: optimizeLegibility; - font-kerning: normal; - } - @media (max-width: 600px) { - body { - font-size: 0.9em; - padding: 1em; - } - h1 { - font-size: 1.8em; - } - } - @media print { - body { - background-color: transparent; - color: black; - font-size: 12pt; - } - p, h2, h3 { - orphans: 3; - widows: 3; - } - h2, h3, h4 { - page-break-after: avoid; - } - } - p { - margin: 1em 0; - } - a { - color: #1a1a1a; - } - a:visited { - color: #1a1a1a; - } - img { - max-width: 100%; - } - h1, h2, h3, h4, h5, h6 { - margin-top: 1.4em; - } - h5, h6 { - font-size: 1em; - font-style: italic; - } - h6 { - font-weight: normal; - } - ol, ul { - padding-left: 1.7em; - margin-top: 1em; - } - li > ol, li > ul { - margin-top: 0; - } - blockquote { - margin: 1em 0 1em 1.7em; - padding-left: 1em; - border-left: 2px solid #e6e6e6; - color: #606060; - } - code { - font-family: Menlo, Monaco, 'Lucida Console', Consolas, monospace; - font-size: 85%; - margin: 0; - } - pre { - margin: 1em 0; - overflow: auto; - } - pre code { - padding: 0; - overflow: visible; - overflow-wrap: normal; - } - .sourceCode { - background-color: transparent; - overflow: visible; - } - hr { - background-color: #1a1a1a; - border: none; - height: 1px; - margin: 1em 0; - } - table { - margin: 1em 0; - border-collapse: collapse; - width: 100%; - overflow-x: auto; - display: block; - font-variant-numeric: lining-nums tabular-nums; - } - table caption { - margin-bottom: 0.75em; - } - tbody { - margin-top: 0.5em; - border-top: 1px solid #1a1a1a; - border-bottom: 1px solid #1a1a1a; - } - th { - border-top: 1px solid #1a1a1a; - padding: 0.25em 0.5em 0.25em 0.5em; - } - td { - padding: 0.125em 0.5em 0.25em 0.5em; - } - header { - margin-bottom: 4em; - text-align: center; - } - #TOC li { - list-style: none; - } - #TOC ul { - padding-left: 1.3em; - } - #TOC > ul { - padding-left: 0; - } - #TOC a:not(:hover) { - text-decoration: none; - } - code{white-space: pre-wrap;} - span.smallcaps{font-variant: small-caps;} - span.underline{text-decoration: underline;} - div.column{display: inline-block; vertical-align: top; width: 50%;} - div.hanging-indent{margin-left: 1.5em; text-indent: -1.5em;} - ul.task-list{list-style: none;} - .display.math{display: block; text-align: center; margin: 0.5rem auto;} - </style> -</head> -<body> -<header id="title-block-header"> -<h1 class="title">Terms of Service</h1> -</header> -<h1 id="last-update-3.10.2024">Last update: 3.10.2024</h1> -<p>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.</p> -<h1 id="overview">Overview</h1> -<p>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.</p> -<h1 id="highlights">Highlights:</h1> -<ul class="incremental"> -<li>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.</li> -<li>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.</li> -<li>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.</li> -<li>You agree to not intentionally overwhelm our systems with requests -and follow responsible disclosure if you find security issues in our -services.</li> -<li>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.</li> -</ul> -<p>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 <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>. If -you do not agree to this Agreement, you must not use our Services.</p> -<h1 id="how-you-accept-this-policy">How you accept this policy</h1> -<p>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.</p> -<h1 id="services">Services</h1> -<p>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.</p> -<p>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 <a href="mailto:security@taler-systems.com">security@taler-systems.com</a> -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.</p> -<h1 id="fees">Fees</h1> -<p>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.</p> -<h1 id="eligibility-and-financial-self-responsibility">Eligibility and -Financial self-responsibility</h1> -<p>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.</p> -<p>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.</p> -<h1 id="copyrights-and-trademarks">Copyrights and trademarks</h1> -<p>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 on the GNU GPL Licenses page (<a href="https://www.gnu.org/licenses/">https://www.gnu.org/licenses/</a>). -“Taler” itself is a trademark of Taler Systems SA. You are welcome to -use the name in relation to processing payments based on the Taler -protocol, assuming your use is compatible with an official release from -the GNU Project that is not older than two years.</p> -<h1 id="limitation-of-liability-disclaimer-of-warranties">Limitation of -liability & disclaimer of warranties</h1> -<p>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:</p> -<ol class="incremental" type="1"> -<li>user error such as forgotten passwords, incorrectly constructed -transactions;</li> -<li>server failure or data loss;</li> -<li>unauthorized access to the Taler Wallet application;</li> -<li>bugs or other errors in the Taler Wallet software; and</li> -</ol> -<ol class="incremental" start="5" type="1"> -<li>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.</li> -</ol> -<p>Any other terms, conditions, warranties, or representations -associated with such content, are solely between you and such -organizations and/or individuals.</p> -<p>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:</p> -<ol class="incremental" type="1"> -<li>any direct damages or</li> -</ol> -<ol class="incremental" start="2" type="1"> -<li>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:</li> -</ol> -<ul class="incremental"> -<li>your use of, or conduct in connection with, our services;</li> -<li>any unauthorized use of your wallet and/or private key due to your -failure to maintain the confidentiality of your wallet;</li> -<li>any interruption or cessation of transmission to or from the -services; or</li> -<li>any bugs, viruses, trojan horses, or the like that are found in the -Taler Wallet software</li> -</ul> -<p>or that may be transmitted to or through our services by any third -party (regardless of the source of origination).</p> -<p>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.</p> -<p>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.</p> -<h1 id="indemnity-and-time-limitation-on-claims-and-termination">Indemnity -and Time limitation on claims and Termination</h1> -<p>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.</p> -<p>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.</p> -<p>In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue.</p> -<h1 id="discontinuance-of-services-and-force-majeure">Discontinuance of -services and Force majeure</h1> -<p>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.</p> -<p>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.</p> -<h1 id="governing-law-waivers-severability-and-assignment">Governing -law, Waivers, Severability and Assignment</h1> -<p>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.</p> -<p>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.</p> -<p>You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms.</p> -<p>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.</p> -<p>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.</p> -<h1 id="questions-or-comments">Questions or comments</h1> -<p>We welcome comments, questions, concerns, or suggestions. Please send -us a message on our contact page at <a href="mailto:legal@taler-systems.com">legal@taler-systems.com</a>.</p> -</body> -</html> diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.md b/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.md @@ -1,262 +0,0 @@ -# Terms of Service - -## Last update: 3.10.2024 - -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](mailto: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. - -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](mailto: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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -([https://www.gnu.org/licenses/](https://www.gnu.org/licenses/)). “Taler” itself is a trademark -of Taler Systems SA. You are welcome to use the name in relation to processing -payments based on the Taler protocol, assuming your use is compatible with an -official release from the GNU Project that is not older than two years. - -## 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. - -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 direct damages or - -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, sub-contract, -or delegate any of our obligations under these Terms. - -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. - -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](mailto:legal@taler-systems.com). diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.pdf b/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.pdf Binary files differ. diff --git a/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.txt b/roles/exchange/files/var/lib/taler-exchange/terms/it/exchange-tos-v0.txt @@ -1,305 +0,0 @@ -# Terms of Service - -## Last update: 3.10.2024 - -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. - -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. - -## 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 and Financial self-responsibility - -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. - -## 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 on the GNU GPL Licenses page -(<https://www.gnu.org/licenses/>). "Taler" itself is a trademark of -Taler Systems SA. You are welcome to use the name in relation to -processing payments based on the Taler protocol, assuming your use is -compatible with an official release from the GNU Project that is not -older than two years. - -## 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 - -```{=html} -<!-- --> -``` -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. - -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 direct damages or - -```{=html} -<!-- --> -``` -2) 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). - -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 and Time limitation on claims and Termination - -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. - -In the event of termination concerning your use of our Services, your -obligations under this Agreement will still continue. - -## Discontinuance of services and Force majeure - -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. - -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. - -## Governing law, Waivers, Severability and Assignment - -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. - -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. - -You agree that we may assign any of our rights and/or transfer, -sub-contract, or delegate any of our obligations under these Terms. - -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. - -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>. diff --git a/roles/exchange/files/var/lib/taler-exchange/update.sh b/roles/exchange/files/var/lib/taler-exchange/update.sh @@ -1,11 +0,0 @@ -#!/bin/sh -# This file is in the public domain. -# -# Re-creates the contents of the terms/ directory. -# -# Make sure TALER_EXCHANGE_PREFIX is set before running... - -for TERM in exchange-pp-v0.rst exchange-tos-bfh-v0.rst exchange-tos-tops-v0.rst exchange-tos-v0.rst -do - taler-terms-generator -o terms/ -i $TALER_EXCHANGE_PREFIX/share/taler-exchange/terms/$TERM -done diff --git a/roles/exchange/tasks/main.yml b/roles/exchange/tasks/main.yml @@ -13,6 +13,7 @@ apt: name: - taler-exchange + - taler-terms-generator state: latest when: ansible_os_family == 'Debian' @@ -156,10 +157,65 @@ group: root mode: 0755 -- name: Copy Taler ToS and PP to server - copy: - src: files/var/lib/taler-exchange/terms/ - dest: /var/lib/taler-exchange/terms/ +- name: Check if we have terms of service in English + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_TERMS_ETAG }}.en.rst + register: have_terms_en + +- name: Build terms of service (EN) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_TERMS_ETAG }} -l en + when: have_terms_en.stat.exists + +- name: Check if we have privacy policy in English + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_PP_ETAG }}.en.rst + register: have_pp_en + +- name: Build privacy policy (EN) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_PP_ETAG }} -l en + when: have_pp_en.stat.exists + +- name: Check if we have terms of service in French + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_TERMS_ETAG }}.fr.rst + register: have_terms_fr + +- name: Build terms of service (FR) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_TERMS_ETAG }} -l fr + when: have_terms_fr.stat.exists + +- name: Check if we have privacy policy in French + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_PP_ETAG }}.fr.rst + register: have_pp_fr + +- name: Build privacy policy (FR) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_PP_ETAG }} -l fr + when: have_pp_fr.stat.exists + +- name: Check if we have terms of service in German + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_TERMS_ETAG }}.de.rst + register: have_terms_de + +- name: Build terms of service (DE) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_TERMS_ETAG }} -l de + when: have_terms_de.stat.exists + +- name: Check if we have privacy policy in German + stat: + path: "/usr/share/taler-exchange/terms/{{ EXCHANGE_PP_ETAG }}.de.rst + register: have_pp_de + +- name: Build privacy policy (DE) + ansible.builtin.shell: + cmd: taler-terms-generator -i {{ EXCHANGE_PP_ETAG }} -l de + when: have_pp_de.stat.exists - name: Ensure taler-exchange service is enabled and started service: