commit ffd3e7081329275f7d992597d021401c82b406fc
parent 8202d9e04c56ce537fc87557c77cf36a27c407d9
Author: Christian Grothoff <christian@grothoff.org>
Date: Fri, 21 Nov 2025 14:55:48 +0100
move to merchant.git
Diffstat:
1 file changed, 0 insertions(+), 113 deletions(-)
diff --git a/contrib/merchant_tos_tops_v0.en.rst b/contrib/merchant_tos_tops_v0.en.rst
@@ -1,113 +0,0 @@
-Terms of Service of the Taler Merchant Backend
-==============================================
-
-Last update: December 2025
-
-These Terms of Service (hereinafter **ToS**) regulate the rights and obligations of users of the Taler Merchant
-Backend (hereinafter **service**) provided by Taler Operations AG, Biel/Bienne (hereinafter **TOPS**) on the domain
-https://www.my.taler-ops.ch.
-
-The service enables users (sellers, merchants, beneficiaries) to configure and manage settlement with the payment system
-based on GNU Taler which is also provided by TOPS. Users automatically accept these ToS and their updates by using the
-service.
-
-The service is free software under the terms of the GNU General Public License as published by the Free Software
-Foundation, either version 3 or (at your option) any later version, for more details see http://www.gnu.org/licenses/.
-
-The service is in public beta, complies with the legal conditions of the Swiss Sandbox regulatory framework, and is
-offered to the best of our knowledge and belief. It will be further developed over time and distributed in the hope that
-it will be useful, but WITHOUT ANY WARRANTY, including, but not limited to, the implied warranties of MERCHANTABILITY or
-FITNESS FOR A PARTICULAR PURPOSE. The service is provided ‘as is’ and ‘as available’.
-
-
-Disclaimer of warranty
-----------------------
-
-TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE SERVICE IS AT
-YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. THE
-SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.
-
-
-Limitation of liability
------------------------
-
-TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, IN NO EVENT WILL TALER BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL,
-SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF
-PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO
-THESE TERMS, YOUR USE OR INABILITY TO USE THE SERVICE.
-
-
-Legal and regulatory requirements
----------------------------------
-
-In order to use the service, users are required to use Swiss bank accounts exclusively and to support TOPS in
-complying with legal and regulatory requirements. TOPS complies with all applicable anti-money laundering (AML) and
-know-your-customer (KYC) regulations.
-
-
-Data protection
----------------
-
-TOPS will ensure that all user 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 will never share user data with third parties or let third parties process user data. All data managed with the
-service is stored in Switzerland or countries eligible for storing data according to the aforementioned Swiss laws on
-data protection which especially include cross-boarder data exchange between Switzerland and Germany. No data exchange
-happens to countries outside the European Union.
-
-Technically, no relation between a person and the purchase can be established with the data collected in the service.
-The user can store payers' data for delivery purposes in the service including but not limited to shipping addresses,
-while names of payers are not foreseen to be saved by the service as provided by TOPS. The user is therefore obliged to
-keep confidential personal data entered by the user into the service at any moment in time.
-
-Other terms of service apply to other parts of the Taler payment system, in particular to Taler wallets that are not
-expressly covered by the present ToS applicable to this service.
-
-
-Prices
-------
-
-TOPS will not charge costs at any time for using the service offered on https://www.my.taler-ops.ch.
-
-
-Transaction fees
-----------------
-
-The user may decide to cover transaction fees. Depending on the configuration of the service under ‘Settings’, the
-transaction fees may be passed on in full to the payers.
-
-The default wire transfer delay can be configured in the settings of the service to delay wire transfers with
-aggregated revenues to the user's bank account to accomodate fees for wire transfers.
-
-All transaction fees are subject to the fee schedule published by the Taler Exchange run by TOPS.
-
-
-Limits
-------
-
-The user is not obliged to verify the payer's identity, but transactions exceeding CHF 1,000 per payer are not
-permitted.
-
-There are transaction limits of CHF 2'500 per month and CHF 15'000 per calendar year for accepting e-money
-from the payment system wired to the user's bank account.
-
-The obligations of the Money Laundering Act apply from CHF 5,000 per month or CHF 15,000 per year. As soon as a user
-exceeds these limits, a know-your-business (KYC) process is initiated and a permanent business relationship between the
-user and TOPS is established by mutual agreement.
-
-
-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 of the
-service domiciled outside Switzerland, Biel/Bienne is also the place of debt collection.
-
-
-Contact
--------
-
-If you have any questions or concerns regarding these ToS or the service, you can contact us by post at
-Taler Operations AG, Höheweg 80, 2502 Biel.
