commit 97fc1bd8a7fe28c611c5c90796edab16d0af8920
parent a59e2ec8406796716d646112ef9746e720d4ae38
Author: Stefan Kügel <skuegel@web.de>
Date: Thu, 18 Jun 2020 14:32:36 +0200
Feinarbeit am Text, Erweiterung um AGB/Nutzungsbedingungen und Datenschutzvereinbarungen in Englisch (ToS/PP)
Diffstat:
1 file changed, 922 insertions(+), 59 deletions(-)
diff --git a/Systembeschreibung.lyx b/Systembeschreibung.lyx
@@ -3152,8 +3152,12 @@ Empfehlung der Höhen der Gebührenarten
\begin_layout Standard
Aus der vorangegangenen Diskussion der Gebührenarten ergibt sich eine Empfehlung
- für die Wahl der Deposit-Gebühr als wichtigster Gebührenart, da diese eine
- wesentliche Einnahmequelle des Exchange-Betreibers darstellt.
+ für die Wahl der
+\emph on
+Deposit
+\emph default
+-Gebühr als wichtigster Gebührenart, da diese eine wesentliche Einnahmequelle
+ des Exchange-Betreibers darstellt.
\begin_inset Newline newline
\end_inset
@@ -3507,13 +3511,17 @@ Zu 3.: Der Zeitraum, in dem keine Wallet-Verbindung zur Exchange-Schnittstelle
Dieser Zeitraum muss so lang sein, dass ein Nutzer mit einer hohen Wahrscheinli
chkeit sein digitales Endgerät mit dem persönlichen Wallet darauf online
gehen lässt.
- Für den Fall keiner Verbindung in diesem Zeitraum, ist nach dessen Ablauf
+ Für den Fall keiner Verbindung in diesem Zeitraum ist nach dessen Ablauf
der Exchange-Betreiber neuer Eigentümer der Werte verfallener Coins.
- An dieser Stelle wird noch einmal daran erinnert, dass Taler ein Bezahlsystem
+
+\end_layout
+
+\begin_layout Standard
+An dieser Stelle sei noch einmal daran erinnert, dass Taler ein Bezahlsystem
ist und kein Aufbewahrungsmittel zum Horten von Geldwerten.
- Im Normalfall verbinden Nutzer ihre Wallets im gegebenen Zeitraum (hier
- 1 Jahr) und lösen mit jedem Verbinden einen Refresh aller Coins aus, der
- ihre Gültigkeitsdauer erneut um 2 Jahre verlängert.
+ Im Normalfall verbinden Nutzer des Bezahlsystems ihre Wallets im gegebenen
+ Zeitraum (hier 1 Jahr) und lösen mit jedem Verbinden einen Refresh aller
+ Coins aus, der ihre Gültigkeitsdauer erneut um 2 Jahre verlängert.
\begin_inset Newline newline
\end_inset
@@ -3710,10 +3718,10 @@ en in Höhe von jeweils 0,25 Cent pro Coin durchgehend für alle Coin-Nennwerte
\end_layout
\begin_layout Standard
-Auch für den Fall, dass Negativzinsen auf Guthaben erhoben werden müssen
- und sich signifikante Negativzinsen auf das Guthaben des Treuhandkontos
- durch die Gebühreneinnahmen nicht decken lassen, könnte der Exchange-Betreiber
- Refresh-Gebühren in Höhe der Negativzinsen einführen.
+Auch für den fiktiven Fall, dass ein negativer Zins auf Guthaben des Treuhandkon
+tos erhoben würde und die Gebühreneinnahmen des Exchange signifikant hohe
+ Negativzinsen nicht decken, könnte der Exchange-Betreiber Refresh-Gebühren
+ in Höhe der Negativzinsen einführen.
In jedem Fall würde diese Abzinsung von Coin-Werten jedoch erst für Coins
gelten, die der Exchange nach der Umstellung auf die neue Gebührenordnung
mit Refresh-Gebühren signiert.
@@ -3724,16 +3732,17 @@ Des weiteren würde der Exchange-Betreiber
\emph on
Wire fee
\emph default
--Gebühren in Höhe von 10 Cent pro IBAN-Buchung erheben, um die Kosten seiner
- IBAN-Buchungen zu decken.
+-Gebühren in Höhe von beispielsweise 10 Cent pro IBAN-Buchung erheben, um
+ die Kosten seiner IBAN-Buchungen zu decken.
\emph on
Closing
\emph default
--Gebühren würden zunächst nicht erhoben.
+-Gebühren für Rücküberweisungen auf Ursprungskonten würden zunächst nicht
+ erhoben.
Sollte der Exchange-Betreiber ein problematisches Transaktionsvolumen mit
- Rücküberweisungen auf Ursprungskonten feststellen, ist er gut beraten,
- auch für Closing-Buchungen 10 Cent pro Buchung zu erheben.
+ Closing-Buchungen feststellen, ist er gut beraten, auch für diese 10 Cent
+ pro Buchung zu erheben.
\end_layout
\begin_layout Section
@@ -3741,47 +3750,114 @@ Beispielrechnung: Normalbetrieb
\end_layout
\begin_layout Standard
-Alice hebt 5 Euro von ihrem Konto ab, und zahlt damit 3,23 Euro für Brötchen
- und danach 30 Cent für einen Zeitungsartikel.
+Alice hebt 5 Euro von ihrem Konto ab, lädt ihr persönliches Wallet mit Coins
+ dieses Werts, zahlt damit 3,23 Euro für Brötchen und danach 30 Cent für
+ einen Zeitungsartikel am Kiosk.
Beim Abhebevorgang bekommt sie je eine Münze mit folgenden Nennwerten:
4, 16, 32, 64, 128, und 256 Cent.
Für die Brötchen bezahlt sie mit Coins der Nennwerte 4 Cent, 64 Cent und
- 256 Cent und bekommt ein Coin mit dem Nennwert 1 Cent mittels der Refresh-Buchu
-ng als Wechselgeld.
+ 256 Cent und bekommt ein Coin mit dem Nennwert 1 Cent mittels der
+\emph on
+Refresh
+\emph default
+-Buchung als Wechselgeld.
Für die drei eingesetzten Coins fallen 1 x 0,25 Cent und 2 x 0,50 Cent,
- also insgesamt 1,25 Cent an Gebühren an.
- Da der Bäcker bereit ist, sich bis zu 0,5% vom Umsatz an den
+ also insgesamt 1,25 Cent, an
+\emph on
+Deposit
+\emph default
+-Gebühren an.
+ Da der Bäcker aufgrund seiner Bestimmung des Parameters
+\color red
+default_max_deposit_fee
+\color inherit
+ bereit ist, sich bis zu 0,5% seines Umsatzes an den
\emph on
Refresh
\emph default
--Gebühren zu beteiligen, fallen für Alice keine Gebühren an.
- Sollte der Händler insgesamt 4x genau diesen Umsatz erlösen, bekommt er
- 12,77 Euro überwiesen, da er 4x 1,25 Cent an Deposit-Fees plus 1 x 10 cent
- Wire-Fees tragen müsste.
+-Gebühren seiner Kunden zu beteiligen, fallen für Alice keine Gebühren an.
+ [Achtung, default_max_deposit_fee ist kein Prozentwert, sondern
+\color red
+absoluter
+\color inherit
+ Wert]
\end_layout
\begin_layout Standard
-Die Zeitung ist geiziger, und ist nicht bereit, sich an Gebühren zu beteiligen.
- Da sie wenige Artikel verkauft, setzt die Zeitung einen Amortisationsfaktor
- von 4 für die Wire-Fees in ihrer AGB fest.
- Damit ist der Verkaufspreis für Alice bei 30 cent plus 2.5 cent für die
- Wire-Fees (10 cent geteilt durch den Amortisationsfaktor) plus alle Deposit-Fee
-s.
- Alice zahlt dazu 33 cent mit ihrer 128 cent Münze, und erhält jeweils eine
- 1, 2, 4, 8, 16, 32 und 64 cent Münze an Wechselgeld.
+Sollte der Händler von vier Kunden wie Alice genau diesen Umsatz erlöst
+ haben, bis die Sammelbuchung erfolgt, bekommt er auf sein Girokonto insgesamt
+ 12,77 Euro überwiesen, da er Gebühren von insgesamt 15 Cent trägt (4 x
+ 1,25 Cent an
+\emph on
+Deposit
+\emph default
+-Gebühren plus 1 x 10 Cent
+\emph on
+Wire fee
+\emph default
+-Gebühr bei einem Umsatz von 4 x 3,23 Euro = 12,92 Euro).
\end_layout
\begin_layout Standard
-Sollte Sie noch einen Artikel kaufen, kann Sie mit den 2 und 32 cent Münzen
- zahlen.
- Hier ist jetzt die Deposit-Fee pro Münze kleiner, aber dafür braucht sie
- diesmal zwei Münzen.
- Der Preis bleibt in diesem Beispiel jedoch gleich, und sie bekommt 1 cent
- an Wechselgeld.
- Sollte der Verleger nur diese zwei Artikel in der (von ihm festgelegten)
- Abrechnungsperiode verkaufen, erhält er vom Exchange-Betreiber 55 cent:
- 2x30 cent Verkaufspreis, plus 2x 2.5 cent Wire-fees die von den Kunden getragen
- wurden, minus 10 cent Wire fees für den Exchange-Betreiber.
+Der Zeitungskiosk soll in dieser Beispielrechnung nicht bereit sein, sich
+ an den Gebühren seiner Kunden zu beteiligen.
+ Da der Kiosk nur wenige Artikel verkauft, setzt der Kioskbetreiber seinen
+ Amortisationsfaktor wire_fee_amortization für die
+\emph on
+Wire fee
+\emph default
+-Gebühr auf 4.
+ Diesem stimmen die Kunden durch Einwilligung in die AGB des Kioskbetreibers
+ zu.
+ Damit wird der Kaufpreis für Alice höher als die 30 Cent für die Zeitung.
+ Sie zahlt insgesamt 33 Cent, denn sie trägt über die 30 Cent für die Zeitung
+ noch 2,5 Cent
+\emph on
+an Wire fee
+\emph default
+-Gebühr (10 Cent für
+\emph on
+Wire fee
+\emph default
+ des Verkäufers geteilt durch seinen Amortisationsfaktor 4) plus die
+\emph on
+Deposit
+\emph default
+-Gebühr von 0,5 Cent für ein eingesetztes Coin, denn Alice zahlt mit ihrem
+ Coin des Nennwerts 128 Cent.
+ Sie erhält dafür Wechselgeld mit Coins der Nennwerte 1, 2, 4, 8, 16 und
+ 64 Cent.
+ Für das Wechselgeld fallen ihr keine
+\emph on
+Refresh
+\emph default
+-Gebühren an.
+\end_layout
+
+\begin_layout Standard
+Sollte Alice in dieser Beispielrechnung noch einen weiteren Artikel des
+ gleichen Kaufpreises kaufen, kann sie mit ihren Coins der Nennwerte 2 und
+ 32 Cent bezahlen.
+ Hier wäre die
+\emph on
+Deposit
+\emph default
+-Gebühr für die kleineren Coins zwar geringer (0,25 Cent pro Coin), aber
+ dafür bräuchte sie zwei Coins und trägt somit eine
+\emph on
+Deposit
+\emph default
+-Gebühr von insgesamt 0,5 Cent.
+ Der Preis bleibt damit bei 33 Cent für Zeitung und Gebühren und es gibt
+ Wechselgeld mit einem Coin von 1 Cent Nennwert.
+ Sollte der Kioskbetreiber nur diese zwei Artikel bis zum Auslösen der Sammelbuc
+hung an sein Girokonto verkaufen, erhält er vom Exchange-Betreiber 55 Cent:
+ 2 x 30 Cent Verkaufspreis, plus 2 x 2,5 Cent
+\emph on
+Wire fee
+\emph default
+-Gebühr die von den Kunden getragen wurden, minus 10 cent Wire fees für
+ den Exchange-Betreiber.
\end_layout
\begin_layout Standard
@@ -4016,18 +4092,85 @@ zielung aus der Verjährung von Gutscheinen.
.
\end_layout
+\begin_layout Section
+AGB-Formulierung
+\end_layout
+
\begin_layout Standard
-[work in progress]
+Die Formulierung der Allgemeinen Geschäftsbedingungen, die ein Exchange
+ seinen Nutzern anzeigt und beim Abheben bzw.
+ bei neuen Nutzungsbedingungen von diesen bestätigen lässt, ist noch in
+ Entwicklung.
+ Als Arbeitsvorlage zur Orientierung dienen die
+\emph on
+Terms of Service
+\emph default
+ in englischer Sprache, die nur exemplarisch zu verstehen sind (siehe
+\begin_inset CommandInset ref
+LatexCommand formatted
+reference "chap:AGB"
+plural "false"
+caps "false"
+noprefix "false"
+
+\end_inset
+
+
+\begin_inset CommandInset ref
+LatexCommand nameref
+reference "chap:AGB"
+plural "false"
+caps "false"
+noprefix "false"
+
+\end_inset
+
+ oder
+\begin_inset CommandInset href
+LatexCommand href
+name "Terms of Service in Git"
+target "https://git.taler.net/exchange.git/tree/contrib/tos/tos.rst"
+literal "false"
+
+\end_inset
+
+).
+ Die später gebräuchlichen deutschen AGB für Taler-Nutzer sollten möglichst
+ einfach, deutlich und freundlich formuliert sein und unmissverständlich
+ auf die Pflichten der Nutzung und mögliche Risiken eines Wertverlusts hinweisen.
\end_layout
\begin_layout Section
-Vorschlag der AGB-Formulierung eines Exchange für Taler-Nutzer
+Datenschutzerklärung
\end_layout
\begin_layout Standard
-Hier folgt die Formulierung der AGB (Allgemeine Geschäftsbedingungen/Terms
- of Service) für Taler-Nutzer in einer Kombination aus 'Einfache Sprache'
- und freundlichem Deutsch: [work in progress]
+Die englischsprachige
+\emph on
+Privay Policy
+\emph default
+ dient ebenfalls als Arbeitsvorlage für die deutschsprachige DSGVO-konforme
+ Datenschutzerklärung (siehe
+\begin_inset CommandInset ref
+LatexCommand formatted
+reference "chap:Datenschutzerklärung"
+plural "false"
+caps "false"
+noprefix "false"
+
+\end_inset
+
+
+\begin_inset CommandInset ref
+LatexCommand nameref
+reference "chap:Datenschutzerklärung"
+plural "false"
+caps "false"
+noprefix "false"
+
+\end_inset
+
+).
\end_layout
\begin_layout Chapter
@@ -5784,7 +5927,8 @@ name "➔ Gebührenordnung"
\end_inset
- Im Taler-Protokoll fixierte Ordnung von Gebührenarten und Gebührenhöhen,
+ Im Taler-Protokoll fixierte Ordnung von Gebührenarten und Gebühren\SpecialChar softhyphen
+höhen,
siehe
\begin_inset CommandInset ref
LatexCommand nameref
@@ -5807,7 +5951,8 @@ name "➔ IBAN-Buchung"
\end_inset
Überweisungen mit Internationaler Bankkontonummer in Euro-Währung zwischen
- Girokonten und Exchange, betrifft die Buchungsarten
+ Girokonten und Exchange.
+ Betrifft die Buchungsarten
\begin_inset CommandInset ref
LatexCommand nameref
reference "➔ Withdrawal"
@@ -5929,16 +6074,16 @@ name "➔ payto://-URI"
\end_inset
- Internet-Schema als Uniform Resource Identifier zur direkten Eingabe und
- Ausführung von (Girokonten-)Überweisungen
+ Internet-Nomenklatur für Zahlungsziele zur Eingabe und Ausführung von Überweisu
+ngen (für IBAN-Girokonten, Zahlungsdienste, Kryptowährungen u.a.)
\begin_inset Foot
status open
\begin_layout Plain Layout
\begin_inset CommandInset href
LatexCommand href
-name "IETF-Webseite zur Nomenklatur des 'payto'-URI"
-target "https://tools.ietf.org/id/draft-dold-payto-05.html"
+name "IETF-Webseite über den Uniform Resource Identifier 'payto'"
+target "https://tools.ietf.org/id/draft-dold-payto-14.html"
literal "false"
\end_inset
@@ -5967,7 +6112,7 @@ name "➔ Point-of-Sale"
\end_inset
- Vollumfängliches Bestell- und Bezahlsystem an Verkaufsstellen wie z.B.
+ Bestell- und Bezahlsystem an Verkaufsstellen wie z.B.
Kiosken, Ladentheken, Supermarktkassen usw.
\begin_inset Newline newline
\end_inset
@@ -6148,9 +6293,12 @@ noprefix "false"
\end_inset
haben, den es bei seiner Erzeugung erhält, z.B.
- 1, 2, 4, 8, 16, 32, 64, 128 Cent usw.
- bis zu 65536 Cent (= 655,36 Euro).
- Wird mit ihm ein Betrag in Euro bezahlt, der unterhalb seines Nominalwerts
+ 1, 2, 4, 8, 16, 32, 64, 128 usw.
+ bis zu 65536 Cent (655,36 €).
+\begin_inset Newline newline
+\end_inset
+
+Wird mit einem Coin ein Betrag bezahlt, der unterhalb seines Nominalwerts
liegt, muss der Exchange den Unterschiedsbetrag an das ausgebende Wallet
senden, indem es diesem frisch erzeugte Coins zubucht (das sogenannte ➔
\begin_inset space ~
@@ -6336,5 +6484,720 @@ literal "false"
.
\end_layout
+\begin_layout Chapter
+AGB/Nutzungsbedingungen
+\begin_inset CommandInset label
+LatexCommand label
+name "chap:AGB"
+
+\end_inset
+
+
+\end_layout
+
+\begin_layout Standard
+Last Updated: 12.4.2019
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Overview --------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Highlights: ~~~~~~~~~~~
+\end_layout
+
+\begin_layout Standard
+• 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.
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+How you accept this policy --------------------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Services --------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Fees ----
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Eligibility -----------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Financial self-responsibility -----------------------------
+\end_layout
+
+\begin_layout Standard
+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 precautio
+nary 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.
+\end_layout
+
+\begin_layout Standard
+Copyrights and trademarks -------------------------
+\end_layout
+
+\begin_layout Standard
+The Taler Wallet is released under the terms of the GNU General Public License
+ (GNU GPL).
+ You have the right to access, use, and share the Taler Wallet, in modified
+ or unmodified form.
+ However, the GPL is a strong copyleft license, which means that any derivative
+ works must be distributed under the same license terms as the original
+ software.
+ If you have any questions, you should review the GNU GPL’s full terms and
+ conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.
+ “Taler” itself is a trademark of Taler Systems SA.
+ You are welcome to use the name in relation to processing payments using
+ the Taler protocol, assuming your use is compatible with an official release
+ from the GNU Project that is not older than two years.
+\end_layout
+
+\begin_layout Standard
+Your use of our services ------------------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Limitation of liability & disclaimer of warranties -----------------------------
+---------------------
+\end_layout
+
+\begin_layout Standard
+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:
+\end_layout
+
+\begin_layout Standard
+(a) user error such as forgotten passwords, incorrectly constructed transactions
+; (b) server failure or data loss; (c) unauthorized access to the Taler
+ Wallet application; (d) bugs or other errors in the Taler Wallet software;
+ and (e) any unauthorized third party activities, including, but not limited
+ to, the use of viruses, phishing, brute forcing, or other means of attack
+ against the Taler Wallet.
+ We make no representations concerning any Third Party Content contained
+ in or accessed through our Services.
+\end_layout
+
+\begin_layout Standard
+Any other terms, conditions, warranties, or representations associated with
+ such content, are solely between you and such organizations and/or individuals.
+\end_layout
+
+\begin_layout Standard
+Limitation of liability -----------------------
+\end_layout
+
+\begin_layout Standard
+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:
+\end_layout
+
+\begin_layout Standard
+(a) any lost profits, data loss, cost of procurement of substitute goods
+ or services, or direct, indirect, incidental, special, punitive, compensatory,
+ or consequential damages of any kind whatsoever resulting from:
+\end_layout
+
+\begin_layout Standard
+(i) your use of, or conduct in connection with, our services; (ii) any unauthori
+zed use of your wallet and/or private key due to your failure to maintain
+ the confidentiality of your wallet; (iii) any interruption or cessation
+ of transmission to or from the services; or (iv) any bugs, viruses, trojan
+ horses, or the like that are found in the Taler Wallet software or that
+ may be transmitted to or through our services by any third party (regardless
+ of the source of origination), or
+\end_layout
+
+\begin_layout Standard
+(b) any direct damages.
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Warranty disclaimer -------------------
+\end_layout
+
+\begin_layout Standard
+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 merchantabil
+ity, 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.
+\end_layout
+
+\begin_layout Standard
+Indemnity ---------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Time limitation on claims -------------------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Governing law -------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Termination -----------
+\end_layout
+
+\begin_layout Standard
+In the event of termination concerning your use of our Services, your obligation
+s under this Agreement will still continue.
+\end_layout
+
+\begin_layout Standard
+Discontinuance of services --------------------------
+\end_layout
+
+\begin_layout Standard
+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 permanentl
+y, 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.
+\end_layout
+
+\begin_layout Standard
+No waiver ---------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Severability ------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Force majeure -------------
+\end_layout
+
+\begin_layout Standard
+We shall not be held liable for any delays, failure in performance, or interrupt
+ions 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.
+\end_layout
+
+\begin_layout Standard
+Assignment ----------
+\end_layout
+
+\begin_layout Standard
+You agree that we may assign any of our rights and/or transfer, sub-contract,
+ or delegate any of our obligations under these Terms.
+\end_layout
+
+\begin_layout Standard
+Entire agreement ----------------
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Questions or comments ---------------------
+\end_layout
+
+\begin_layout Standard
+We welcome comments, questions, concerns, or suggestions.
+ Please send us a message on our contact page at legal@taler-systems.com.
+\end_layout
+
+\begin_layout Chapter
+Datenschutzerklärung
+\begin_inset CommandInset label
+LatexCommand label
+name "chap:Datenschutzerklärung"
+
+\end_inset
+
+
+\end_layout
+
+\begin_layout Standard
+Last Updated: 11.12.2019
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Overview ========
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+How you accept this policy ==========================
+\end_layout
+
+\begin_layout Standard
+By using our Services or visiting our sites, you agree to the use, disclosure,
+ and procedures outlined in this Privacy Policy.
+\end_layout
+
+\begin_layout Standard
+What personal information do we collect from our users? ========================
+===============================
+\end_layout
+
+\begin_layout Standard
+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 identifiab
+le 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.
+\end_layout
+
+\begin_layout Standard
+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:
+\end_layout
+
+\begin_layout Standard
+* 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.
+\end_layout
+
+\begin_layout Standard
+* 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.
+\end_layout
+
+\begin_layout Standard
+* 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.
+\end_layout
+
+\begin_layout Standard
+How we collect and process information ======================================
+\end_layout
+
+\begin_layout Standard
+We may process your information for the following reasons:
+\end_layout
+
+\begin_layout Standard
+* to transfer money as specified by our users (Taler transactions);
+\end_layout
+
+\begin_layout Standard
+* to assist government entities in linking income to the underlying contract
+\end_layout
+
+\begin_layout Standard
+* to support you using the Taler Wallet or to improve our Services
+\end_layout
+
+\begin_layout Standard
+How we share and use the information we gather =================================
+=============
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Agents or third party partners ==============================
+\end_layout
+
+\begin_layout Standard
+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.
+ By accepting this Privacy Policy, as outlined above, you consent to any
+ such transfer.
+\end_layout
+
+\begin_layout Standard
+Protection of us and others ===========================
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+What personal information can I access or change? ==============================
+===================
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Data retention ==============
+\end_layout
+
+\begin_layout Standard
+If you uninstall the Taler Wallet mobile applications from your device,
+ or request that your information be deleted, we still may retain some informati
+on that you have provided to us to maintain the Taler Wallet or to comply
+ with relevant laws.
+\end_layout
+
+\begin_layout Standard
+Data security =============
+\end_layout
+
+\begin_layout Standard
+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 authentic
+ation 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.
+\end_layout
+
+\begin_layout Standard
+Changes and updates to privacy policy =====================================
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+International users and visitors ================================
+\end_layout
+
+\begin_layout Standard
+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.
+\end_layout
+
+\begin_layout Standard
+Questions =========
+\end_layout
+
+\begin_layout Standard
+Please contact us at privacy@taler-systems.net if you have questions about
+ our privacy practices that are not addressed in this Privacy Statement.
+\end_layout
+
\end_body
\end_document
