add exchange feature

4 files changed, 974 insertions, 983 deletions

diff --git a/packages/taler-wallet-webextension/src/cta/TermsOfServiceSection.tsx b/packages/taler-wallet-webextension/src/cta/TermsOfServiceSection.tsx
new file mode 100644
index 000000000..5eddde64f
--- /dev/null
+++ b/packages/taler-wallet-webextension/src/cta/TermsOfServiceSection.tsx
@@ -0,0 +1,129 @@
+import { i18n } from "@gnu-taler/taler-util";
+import { Fragment, h, VNode } from "preact";
+import { CheckboxOutlined } from "../components/CheckboxOutlined";
+import { ExchangeXmlTos } from "../components/ExchangeToS";
+import {
+  ButtonSuccess,
+  ButtonWarning,
+  LinkSuccess,
+  TermsOfService,
+  WarningBox,
+} from "../components/styled";
+import { TermsState } from "../utils";
+
+interface Props {
+  reviewing: boolean;
+  reviewed: boolean;
+  terms: TermsState;
+  onReview?: (b: boolean) => void;
+  onAccept: (b: boolean) => void;
+}
+export function TermsOfServiceSection({
+  reviewed,
+  reviewing,
+  terms,
+  onAccept,
+  onReview,
+}: Props): VNode {
+  if (!reviewing) {
+    if (!reviewed) {
+      if (!onReview) {
+        return <section>Terms of service status: {terms.status}</section>;
+      }
+      return (
+        <Fragment>
+          {terms.status === "new" && (
+            <section>
+              <ButtonSuccess upperCased onClick={() => onReview(true)}>
+                {i18n.str`Review exchange terms of service`}
+              </ButtonSuccess>
+            </section>
+          )}
+          {terms.status === "changed" && (
+            <section>
+              <ButtonWarning upperCased onClick={() => onReview(true)}>
+                {i18n.str`Review new version of terms of service`}
+              </ButtonWarning>
+            </section>
+          )}
+        </Fragment>
+      );
+    }
+    return (
+      <Fragment>
+        {onReview && (
+          <section>
+            <LinkSuccess upperCased onClick={() => onReview(true)}>
+              {i18n.str`Show terms of service`}
+            </LinkSuccess>
+          </section>
+        )}
+        <section>
+          <CheckboxOutlined
+            name="terms"
+            enabled={reviewed}
+            label={i18n.str`I accept the exchange terms of service`}
+            onToggle={() => {
+              console.log("asdasd", reviewed);
+              onAccept(!reviewed);
+              if (onReview) onReview(false);
+            }}
+          />
+        </section>
+      </Fragment>
+    );
+  }
+  return (
+    <Fragment>
+      {terms.status !== "notfound" && !terms.content && (
+        <section>
+          <WarningBox>
+            The exchange reply with a empty terms of service
+          </WarningBox>
+        </section>
+      )}
+      {terms.status !== "accepted" && terms.content && (
+        <section>
+          {terms.content.type === "xml" && (
+            <TermsOfService>
+              <ExchangeXmlTos doc={terms.content.document} />
+            </TermsOfService>
+          )}
+          {terms.content.type === "plain" && (
+            <div style={{ textAlign: "left" }}>
+              <pre>{terms.content.content}</pre>
+            </div>
+          )}
+          {terms.content.type === "html" && (
+            <iframe src={terms.content.href.toString()} />
+          )}
+          {terms.content.type === "pdf" && (
+            <a href={terms.content.location.toString()} download="tos.pdf">
+              Download Terms of Service
+            </a>
+          )}
+        </section>
+      )}
+      {reviewed && onReview && (
+        <section>
+          <LinkSuccess upperCased onClick={() => onReview(false)}>
+            {i18n.str`Hide terms of service`}
+          </LinkSuccess>
+        </section>
+      )}
+      {terms.status !== "notfound" && (
+        <section>
+          <CheckboxOutlined
+            name="terms"
+            enabled={reviewed}
+            label={i18n.str`I accept the exchange terms of service`}
+            onToggle={() => {
+              onAccept(!reviewed);
+              if (onReview) onReview(false);
+            }}
+          />
+        </section>
+      )}
+    </Fragment>
+  );
+}
diff --git a/packages/taler-wallet-webextension/src/cta/Withdraw.stories.tsx b/packages/taler-wallet-webextension/src/cta/Withdraw.stories.tsx
index 54ae19c61..fbbecd6f3 100644
--- a/packages/taler-wallet-webextension/src/cta/Withdraw.stories.tsx
+++ b/packages/taler-wallet-webextension/src/cta/Withdraw.stories.tsx
@@ -21,6 +21,7 @@
 
 import { amountFractionalBase } from "@gnu-taler/taler-util";
 import { createExample } from "../test-utils";
+import { termsHtml, termsPdf, termsPlain, termsXml } from "./termsExample";
 import { View as TestedComponent } from "./Withdraw";
 
 export default {
@@ -31,751 +32,6 @@ export default {
   },
 };
 
-const termsHtml = `<html xmlns="http://www.w3.org/1999/xhtml" lang="en">
-<head>
-  <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
-  <title>Terms Of Service &#8212; Taler Terms of Service</title>
-</head><body>
-  <div>
-    Terms of service
-  </div>
-  <div>
-    A complete separated html with it's own design
-  </div>
-</body>
-</html>
-`;
-const termsPlain = `
-Terms Of Service
-****************
-
-Last Updated: 12.4.2019
-
-Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment
-service through our Internet presence (collectively the “Services”).
-Before using our Services, please read the Terms of Service (the
-“Terms” or the “Agreement”) carefully.
-
-
-Overview
-========
-
-This section provides a brief summary of the highlights of this
-Agreement. Please note that when you accept this Agreement, you are
-accepting all of the terms and conditions and not just this section.
-We and possibly other third parties provide Internet services which
-interact with the Taler Wallet’s self-hosted personal payment
-application. When using the Taler Wallet to interact with our
-Services, you are agreeing to our Terms, so please read carefully.
-
-
-Highlights:
------------
-
-   * You are responsible for keeping the data in your Taler Wallet at
-     all times under your control. Any losses arising from you not
-     being in control of your private information are your problem.
-
-   * We will try to transfer funds we hold in escrow for our users to
-     any legal recipient to the best of our ability within the
-     limitations of the law and our implementation. However, the
-     Services offered today are highly experimental and the set of
-     recipients of funds is severely restricted.
-
-   * For our Services, we may charge transaction fees. The specific
-     fee structure is provided based on the Taler protocol and should
-     be shown to you when you withdraw electronic coins using a Taler
-     Wallet. You agree and understand that the Taler protocol allows
-     for the fee structure to change.
-
-   * You agree to not intentionally overwhelm our systems with
-     requests and follow responsible disclosure if you find security
-     issues in our services.
-
-   * We cannot be held accountable for our Services not being
-     available due to circumstances beyond our control. If we modify
-     or terminate our services, we will try to give you the
-     opportunity to recover your funds. However, given the
-     experimental state of the Services today, this may not be
-     possible. You are strongly advised to limit your use of the
-     Service to small-scale experiments expecting total loss of all
-     funds.
-
-These terms outline approved uses of our Services. The Services and
-these Terms are still at an experimental stage. If you have any
-questions or comments related to this Agreement, please send us a
-message to legal@taler-systems.com. If you do not agree to this
-Agreement, you must not use our Services.
-
-
-How you accept this policy
-==========================
-
-By sending funds to us (to top-up your Taler Wallet), you acknowledge
-that you have read, understood, and agreed to these Terms. We reserve
-the right to change these Terms at any time. If you disagree with the
-change, we may in the future offer you with an easy option to recover
-your unspent funds. However, in the current experimental period you
-acknowledge that this feature is not yet available, resulting in your
-funds being lost unless you accept the new Terms. If you continue to
-use our Services other than to recover your unspent funds, your
-continued use of our Services following any such change will signify
-your acceptance to be bound by the then current Terms. Please check
-the effective date above to determine if there have been any changes
-since you have last reviewed these Terms.
-
-
-Services
-========
-
-We will try to transfer funds that we hold in escrow for our users to
-any legal recipient to the best of our ability and within the
-limitations of the law and our implementation. However, the Services
-offered today are highly experimental and the set of recipients of
-funds is severely restricted.  The Taler Wallet can be loaded by
-exchanging fiat currencies against electronic coins. We are providing
-this exchange service. Once your Taler Wallet is loaded with
-electronic coins they can be spent for purchases if the seller is
-accepting Taler as a means of payment. We are not guaranteeing that
-any seller is accepting Taler at all or a particular seller.  The
-seller or recipient of deposits of electronic coins must specify the
-target account, as per the design of the Taler protocol. They are
-responsible for following the protocol and specifying the correct bank
-account, and are solely liable for any losses that may arise from
-specifying the wrong account. We will allow the government to link
-wire transfers to the underlying contract hash. It is the
-responsibility of recipients to preserve the full contracts and to pay
-whatever taxes and charges may be applicable. Technical issues may
-lead to situations where we are unable to make transfers at all or
-lead to incorrect transfers that cannot be reversed. We will only
-refuse to execute transfers if the transfers are prohibited by a
-competent legal authority and we are ordered to do so.
-
-
-Fees
-====
-
-You agree to pay the fees for exchanges and withdrawals completed via
-the Taler Wallet ("Fees") as defined by us, which we may change from
-time to time. With the exception of wire transfer fees, Taler
-transaction fees are set for any electronic coin at the time of
-withdrawal and fixed throughout the validity period of the respective
-electronic coin. Your wallet should obtain and display applicable fees
-when withdrawing funds. Fees for coins obtained as change may differ
-from the fees applicable to the original coin. Wire transfer fees that
-are independent from electronic coins may change annually.  You
-authorize us to charge or deduct applicable fees owed in connection
-with deposits, exchanges and withdrawals following the rules of the
-Taler protocol. We reserve the right to provide different types of
-rewards to users either in the form of discount for our Services or in
-any other form at our discretion and without prior notice to you.
-
-
-Eligibility
-===========
-
-To be eligible to use our Services, you must be able to form legally
-binding contracts or have the permission of your legal guardian. By
-using our Services, you represent and warrant that you meet all
-eligibility requirements that we outline in these Terms.
-
-
-Financial self-responsibility
-=============================
-
-You will be responsible for maintaining the availability, integrity
-and confidentiality of the data stored in your wallet. When you setup
-a Taler Wallet, you are strongly advised to follow the precautionary
-measures offered by the software to minimize the chances to losse
-access to or control over your Wallet data. We will not be liable for
-any loss or damage arising from your failure to comply with this
-paragraph.
-
-
-Copyrights and trademarks
-=========================
-
-The Taler Wallet is released under the terms of the GNU General Public
-License (GNU GPL). You have the right to access, use, and share the
-Taler Wallet, in modified or unmodified form. However, the GPL is a
-strong copyleft license, which means that any derivative works must be
-distributed under the same license terms as the original software. If
-you have any questions, you should review the GNU GPL’s full terms and
-conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler”
-itself is a trademark of Taler Systems SA. You are welcome to use the
-name in relation to processing payments using the Taler protocol,
-assuming your use is compatible with an official release from the GNU
-Project that is not older than two years.
-
-
-Your use of our services
-========================
-
-When using our Services, you agree to not take any action that
-intentionally imposes an unreasonable load on our infrastructure. If
-you find security problems in our Services, you agree to first report
-them to security@taler-systems.com and grant us the right to publish
-your report. We warrant that we will ourselves publicly disclose any
-issues reported within 3 months, and that we will not prosecute anyone
-reporting security issues if they did not exploit the issue beyond a
-proof-of-concept, and followed the above responsible disclosure
-practice.
-
-
-Limitation of liability & disclaimer of warranties
-==================================================
-
-You understand and agree that we have no control over, and no duty to
-take any action regarding: Failures, disruptions, errors, or delays in
-processing that you may experience while using our Services; The risk
-of failure of hardware, software, and Internet connections; The risk
-of malicious software being introduced or found in the software
-underlying the Taler Wallet; The risk that third parties may obtain
-unauthorized access to information stored within your Taler Wallet,
-including, but not limited to your Taler Wallet coins or backup
-encryption keys.  You release us from all liability related to any
-losses, damages, or claims arising from:
-
-1. user error such as forgotten passwords, incorrectly constructed
-   transactions;
-
-2. server failure or data loss;
-
-3. unauthorized access to the Taler Wallet application;
-
-4. bugs or other errors in the Taler Wallet software; and
-
-5. any unauthorized third party activities, including, but not limited
-   to, the use of viruses, phishing, brute forcing, or other means of
-   attack against the Taler Wallet. We make no representations
-   concerning any Third Party Content contained in or accessed through
-   our Services.
-
-Any other terms, conditions, warranties, or representations associated
-with such content, are solely between you and such organizations
-and/or individuals.
-
-
-Limitation of liability
-=======================
-
-To the fullest extent permitted by applicable law, in no event will we
-or any of our officers, directors, representatives, agents, servants,
-counsel, employees, consultants, lawyers, and other personnel
-authorized to act, acting, or purporting to act on our behalf
-(collectively the “Taler Parties”) be liable to you under contract,
-tort, strict liability, negligence, or any other legal or equitable
-theory, for:
-
-1. any lost profits, data loss, cost of procurement of substitute
-   goods or services, or direct, indirect, incidental, special,
-   punitive, compensatory, or consequential damages of any kind
-   whatsoever resulting from:
-
-   1. your use of, or conduct in connection with, our services;
-
-   2. any unauthorized use of your wallet and/or private key due to
-      your failure to maintain the confidentiality of your wallet;
-
-   3. any interruption or cessation of transmission to or from the
-      services; or
-
-   4. any bugs, viruses, trojan horses, or the like that are found in
-      the Taler Wallet software or that may be transmitted to or
-      through our services by any third party (regardless of the
-      source of origination), or
-
-2. any direct damages.
-
-These limitations apply regardless of legal theory, whether based on
-tort, strict liability, breach of contract, breach of warranty, or any
-other legal theory, and whether or not we were advised of the
-possibility of such damages. Some jurisdictions do not allow the
-exclusion or limitation of liability for consequential or incidental
-damages, so the above limitation may not apply to you.
-
-
-Warranty disclaimer
-===================
-
-Our services are provided "as is" and without warranty of any kind. To
-the maximum extent permitted by law, we disclaim all representations
-and warranties, express or implied, relating to the services and
-underlying software or any content on the services, whether provided
-or owned by us or by any third party, including without limitation,
-warranties of merchantability, fitness for a particular purpose,
-title, non-infringement, freedom from computer virus, and any implied
-warranties arising from course of dealing, course of performance, or
-usage in trade, all of which are expressly disclaimed. In addition, we
-do not represent or warrant that the content accessible via the
-services is accurate, complete, available, current, free of viruses or
-other harmful components, or that the results of using the services
-will meet your requirements. Some states do not allow the disclaimer
-of implied warranties, so the foregoing disclaimers may not apply to
-you. This paragraph gives you specific legal rights and you may also
-have other legal rights that vary from state to state.
-
-
-Indemnity
-=========
-
-To the extent permitted by applicable law, you agree to defend,
-indemnify, and hold harmless the Taler Parties from and against any
-and all claims, damages, obligations, losses, liabilities, costs or
-debt, and expenses (including, but not limited to, attorney’s fees)
-arising from: (a) your use of and access to the Services; (b) any
-feedback or submissions you provide to us concerning the Taler Wallet;
-(c) your violation of any term of this Agreement; or (d) your
-violation of any law, rule, or regulation, or the rights of any third
-party.
-
-
-Time limitation on claims
-=========================
-
-You agree that any claim you may have arising out of or related to
-your relationship with us must be filed within one year after such
-claim arises, otherwise, your claim in permanently barred.
-
-
-Governing law
-=============
-
-No matter where you’re located, the laws of Switzerland will govern
-these Terms. If any provisions of these Terms are inconsistent with
-any applicable law, those provisions will be superseded or modified
-only to the extent such provisions are inconsistent. The parties agree
-to submit to the ordinary courts in Zurich, Switzerland for exclusive
-jurisdiction of any dispute arising out of or related to your use of
-the Services or your breach of these Terms.
-
-
-Termination
-===========
-
-In the event of termination concerning your use of our Services, your
-obligations under this Agreement will still continue.
-
-
-Discontinuance of services
-==========================
-
-We may, in our sole discretion and without cost to you, with or
-without prior notice, and at any time, modify or discontinue,
-temporarily or permanently, any portion of our Services. We will use
-the Taler protocol’s provisions to notify Wallets if our Services are
-to be discontinued. It is your responsibility to ensure that the Taler
-Wallet is online at least once every three months to observe these
-notifications. We shall not be held responsible or liable for any loss
-of funds in the event that we discontinue or depreciate the Services
-and your Taler Wallet fails to transfer out the coins within a three
-months notification period.
-
-
-No waiver
-=========
-
-Our failure to exercise or delay in exercising any right, power, or
-privilege under this Agreement shall not operate as a waiver; nor
-shall any single or partial exercise of any right, power, or privilege
-preclude any other or further exercise thereof.
-
-
-Severability
-============
-
-If it turns out that any part of this Agreement is invalid, void, or
-for any reason unenforceable, that term will be deemed severable and
-limited or eliminated to the minimum extent necessary.
-
-
-Force majeure
-=============
-
-We shall not be held liable for any delays, failure in performance, or
-interruptions of service which result directly or indirectly from any
-cause or condition beyond our reasonable control, including but not
-limited to: any delay or failure due to any act of God, act of civil
-or military authorities, act of terrorism, civil disturbance, war,
-strike or other labor dispute, fire, interruption in
-telecommunications or Internet services or network provider services,
-failure of equipment and/or software, other catastrophe, or any other
-occurrence which is beyond our reasonable control and shall not affect
-the validity and enforceability of any remaining provisions.
-
-
-Assignment
-==========
-
-You agree that we may assign any of our rights and/or transfer, sub-
-contract, or delegate any of our obligations under these Terms.
-
-
-Entire agreement
-================
-
-This Agreement sets forth the entire understanding and agreement as to
-the subject matter hereof and supersedes any and all prior
-discussions, agreements, and understandings of any kind (including,
-without limitation, any prior versions of this Agreement) and every
-nature between us. Except as provided for above, any modification to
-this Agreement must be in writing and must be signed by both parties.
-
-
-Questions or comments
-=====================
-
-We welcome comments, questions, concerns, or suggestions. Please send
-us a message on our contact page at legal@taler-systems.com.
-
-`;
-
-const termsXml = `<?xml version="1.0" encoding="utf-8"?>
-<!DOCTYPE document PUBLIC "+//IDN docutils.sourceforge.net//DTD Docutils Generic//EN//XML" "http://docutils.sourceforge.net/docs/ref/docutils.dtd">
-<!-- Generated by Docutils 0.14 -->
-<document source="/home/grothoff/research/taler/exchange/contrib/tos/tos.rst">
-    <section ids="terms-of-service" names="terms\ of\ service">
-        <title>Terms Of Service</title>
-        <paragraph>Last Updated: 12.4.2019</paragraph>
-        <paragraph>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.</paragraph>
-        <section ids="overview" names="overview">
-            <title>Overview</title>
-            <paragraph>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.</paragraph>
-            <section ids="highlights" names="highlights:">
-                <title>Highlights:</title>
-                <block_quote>
-                    <bullet_list bullet="•">
-                        <list_item>
-                            <paragraph>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.</paragraph>
-                        </list_item>
-                        <list_item>
-                            <paragraph>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.</paragraph>
-                        </list_item>
-                        <list_item>
-                            <paragraph>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.</paragraph>
-                        </list_item>
-                        <list_item>
-                            <paragraph>You agree to not intentionally overwhelm our systems with requests and
-                                follow responsible disclosure if you find security issues in our services.</paragraph>
-                        </list_item>
-                        <list_item>
-                            <paragraph>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.</paragraph>
-                        </list_item>
-                    </bullet_list>
-                </block_quote>
-                <paragraph>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
-                    <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>. If you do not agree to this Agreement, you must not
-                    use our Services.</paragraph>
-            </section>
-        </section>
-        <section ids="how-you-accept-this-policy" names="how\ you\ accept\ this\ policy">
-            <title>How you accept this policy</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="services" names="services">
-            <title>Services</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="fees" names="fees">
-            <title>Fees</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="eligibility" names="eligibility">
-            <title>Eligibility</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="financial-self-responsibility" names="financial\ self-responsibility">
-            <title>Financial self-responsibility</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="copyrights-and-trademarks" names="copyrights\ and\ trademarks">
-            <title>Copyrights and trademarks</title>
-            <paragraph>The Taler Wallet is released under the terms of the GNU General Public License
-                (GNU GPL). You have the right to access, use, and share the Taler Wallet, in
-                modified or unmodified form. However, the GPL is a strong copyleft license,
-                which means that any derivative works must be distributed under the same
-                license terms as the original software. If you have any questions, you should
-                review the GNU GPL’s full terms and conditions at
-                <reference refuri="https://www.gnu.org/licenses/gpl-3.0.en.html">https://www.gnu.org/licenses/gpl-3.0.en.html</reference>.  “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.</paragraph>
-        </section>
-        <section ids="your-use-of-our-services" names="your\ use\ of\ our\ services">
-            <title>Your use of our services</title>
-            <paragraph>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
-                <reference refuri="mailto:security@taler-systems.com">security@taler-systems.com</reference> 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.</paragraph>
-        </section>
-        <section ids="limitation-of-liability-disclaimer-of-warranties" names="limitation\ of\ liability\ &amp;\ disclaimer\ of\ warranties">
-            <title>Limitation of liability &amp; disclaimer of warranties</title>
-            <paragraph>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:</paragraph>
-            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
-                <list_item>
-                    <paragraph>user error such as forgotten passwords, incorrectly constructed
-                        transactions;</paragraph>
-                </list_item>
-                <list_item>
-                    <paragraph>server failure or data loss;</paragraph>
-                </list_item>
-                <list_item>
-                    <paragraph>unauthorized access to the Taler Wallet application;</paragraph>
-                </list_item>
-                <list_item>
-                    <paragraph>bugs or other errors in the Taler Wallet software; and</paragraph>
-                </list_item>
-                <list_item>
-                    <paragraph>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.</paragraph>
-                </list_item>
-            </enumerated_list>
-            <paragraph>Any other terms, conditions, warranties, or representations associated with
-                such content, are solely between you and such organizations and/or
-                individuals.</paragraph>
-        </section>
-        <section ids="limitation-of-liability" names="limitation\ of\ liability">
-            <title>Limitation of liability</title>
-            <paragraph>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:</paragraph>
-            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
-                <list_item>
-                    <paragraph>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:</paragraph>
-                </list_item>
-            </enumerated_list>
-            <block_quote>
-                <enumerated_list enumtype="lowerroman" prefix="(" suffix=")">
-                    <list_item>
-                        <paragraph>your use of, or conduct in connection with, our services;</paragraph>
-                    </list_item>
-                    <list_item>
-                        <paragraph>any unauthorized use of your wallet and/or private key due to your
-                            failure to maintain the confidentiality of your wallet;</paragraph>
-                    </list_item>
-                    <list_item>
-                        <paragraph>any interruption or cessation of transmission to or from the services; or</paragraph>
-                    </list_item>
-                    <list_item>
-                        <paragraph>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</paragraph>
-                    </list_item>
-                </enumerated_list>
-            </block_quote>
-            <enumerated_list enumtype="loweralpha" prefix="(" start="2" suffix=")">
-                <list_item>
-                    <paragraph>any direct damages.</paragraph>
-                </list_item>
-            </enumerated_list>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="warranty-disclaimer" names="warranty\ disclaimer">
-            <title>Warranty disclaimer</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="indemnity" names="indemnity">
-            <title>Indemnity</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="time-limitation-on-claims" names="time\ limitation\ on\ claims">
-            <title>Time limitation on claims</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="governing-law" names="governing\ law">
-            <title>Governing law</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="termination" names="termination">
-            <title>Termination</title>
-            <paragraph>In the event of termination concerning your use of our Services, your
-                obligations under this Agreement will still continue.</paragraph>
-        </section>
-        <section ids="discontinuance-of-services" names="discontinuance\ of\ services">
-            <title>Discontinuance of services</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="no-waiver" names="no\ waiver">
-            <title>No waiver</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="severability" names="severability">
-            <title>Severability</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="force-majeure" names="force\ majeure">
-            <title>Force majeure</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="assignment" names="assignment">
-            <title>Assignment</title>
-            <paragraph>You agree that we may assign any of our rights and/or transfer, sub-contract,
-                or delegate any of our obligations under these Terms.</paragraph>
-        </section>
-        <section ids="entire-agreement" names="entire\ agreement">
-            <title>Entire agreement</title>
-            <paragraph>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.</paragraph>
-        </section>
-        <section ids="questions-or-comments" names="questions\ or\ comments">
-            <title>Questions or comments</title>
-            <paragraph>We welcome comments, questions, concerns, or suggestions. Please send us a
-                message on our contact page at <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>.</paragraph>
-        </section>
-    </section>
-</document>
-`;
-
 export const NewTerms = createExample(TestedComponent, {
   knownExchanges: [
     {
@@ -805,11 +61,12 @@ export const NewTerms = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
     status: "new",
+    version: "",
   },
 });
 
@@ -842,11 +99,12 @@ export const TermsReviewingPLAIN = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "plain",
       content: termsPlain,
     },
     status: "new",
+    version: "",
   },
   reviewing: true,
 });
@@ -880,32 +138,18 @@ export const TermsReviewingHTML = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "html",
       href: new URL(
         `data:text/html;base64,${Buffer.from(termsHtml).toString("base64")}`,
       ),
     },
+    version: "",
     status: "new",
   },
   reviewing: true,
 });
 
-const termsPdf = `
-%PDF-1.2 
-9 0 obj << >> 
-stream
-BT/ 9 Tf(This is the Exchange TERMS OF SERVICE)' ET
-endstream
-endobj
-4 0 obj << /Type /Page /Parent 5 0 R /Contents 9 0 R >> endobj 
-5 0 obj << /Kids [4 0 R ] /Count 1 /Type /Pages /MediaBox [ 0 0 180 20 ] >> endobj
-3 0 obj << /Pages 5 0 R /Type /Catalog >> endobj
-trailer
-<< /Root 3 0 R >>
-%%EOF
-`;
-
 export const TermsReviewingPDF = createExample(TestedComponent, {
   knownExchanges: [
     {
@@ -935,13 +179,14 @@ export const TermsReviewingPDF = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "pdf",
       location: new URL(
         `data:text/html;base64,${Buffer.from(termsPdf).toString("base64")}`,
       ),
     },
     status: "new",
+    version: "",
   },
   reviewing: true,
 });
@@ -975,11 +220,12 @@ export const TermsReviewingXML = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
     status: "new",
+    version: "",
   },
   reviewing: true,
 });
@@ -1012,11 +258,12 @@ export const NewTermsAccepted = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
     status: "new",
+    version: "",
   },
   reviewed: true,
 });
@@ -1050,10 +297,11 @@ export const TermsShowAgainXML = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
+    version: "",
     status: "new",
   },
   reviewed: true,
@@ -1089,10 +337,11 @@ export const TermsChanged = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
+    version: "",
     status: "changed",
   },
 });
@@ -1126,7 +375,9 @@ export const TermsNotFound = createExample(TestedComponent, {
     null;
   },
   terms: {
+    content: undefined,
     status: "notfound",
+    version: "",
   },
 });
 
@@ -1160,6 +411,8 @@ export const TermsAlreadyAccepted = createExample(TestedComponent, {
   },
   terms: {
     status: "accepted",
+    content: undefined,
+    version: "",
   },
 });
 
@@ -1192,10 +445,11 @@ export const WithoutFee = createExample(TestedComponent, {
     null;
   },
   terms: {
-    value: {
+    content: {
       type: "xml",
       document: new DOMParser().parseFromString(termsXml, "text/xml"),
     },
     status: "accepted",
+    version: "",
   },
 });
diff --git a/packages/taler-wallet-webextension/src/cta/Withdraw.tsx b/packages/taler-wallet-webextension/src/cta/Withdraw.tsx
index 8258717bd..4ebbe11c6 100644
--- a/packages/taler-wallet-webextension/src/cta/Withdraw.tsx
+++ b/packages/taler-wallet-webextension/src/cta/Withdraw.tsx
@@ -25,14 +25,11 @@ import {
   AmountJson,
   Amounts,
   ExchangeListItem,
-  GetExchangeTosResult,
   i18n,
   WithdrawUriInfoResponse,
 } from "@gnu-taler/taler-util";
-import { VNode, h, Fragment } from "preact";
+import { Fragment, h, VNode } from "preact";
 import { useState } from "preact/hooks";
-import { CheckboxOutlined } from "../components/CheckboxOutlined";
-import { ExchangeXmlTos } from "../components/ExchangeToS";
 import { LogoHeader } from "../components/LogoHeader";
 import { Part } from "../components/Part";
 import { SelectList } from "../components/SelectList";
@@ -40,19 +37,13 @@ import {
   ButtonSuccess,
   ButtonWarning,
   LinkSuccess,
-  TermsOfService,
   WalletAction,
   WarningText,
 } from "../components/styled";
 import { useAsyncAsHook } from "../hooks/useAsyncAsHook";
-import {
-  acceptWithdrawal,
-  getExchangeTos,
-  getExchangeWithdrawalInfo,
-  getWithdrawalDetailsForUri,
-  listExchanges,
-  setExchangeTosAccepted,
-} from "../wxApi";
+import { amountToString, buildTermsOfServiceState, TermsState } from "../utils";
+import * as wxApi from "../wxApi";
+import { TermsOfServiceSection } from "./TermsOfServiceSection";
 
 interface Props {
   talerWithdrawUri?: string;
@@ -60,7 +51,7 @@ interface Props {
 
 export interface ViewProps {
   withdrawalFee: AmountJson;
-  exchangeBaseUrl: string;
+  exchangeBaseUrl?: string;
   amount: AmountJson;
   onSwitchExchange: (ex: string) => void;
   onWithdraw: () => Promise<void>;
@@ -69,53 +60,10 @@ export interface ViewProps {
   reviewing: boolean;
   reviewed: boolean;
   confirmed: boolean;
-  terms: {
-    value?: TermsDocument;
-    status: TermsStatus;
-  };
+  terms: TermsState;
   knownExchanges: ExchangeListItem[];
 }
 
-type TermsStatus = "new" | "accepted" | "changed" | "notfound";
-
-type TermsDocument =
-  | TermsDocumentXml
-  | TermsDocumentHtml
-  | TermsDocumentPlain
-  | TermsDocumentJson
-  | TermsDocumentPdf;
-
-interface TermsDocumentXml {
-  type: "xml";
-  document: Document;
-}
-
-interface TermsDocumentHtml {
-  type: "html";
-  href: URL;
-}
-
-interface TermsDocumentPlain {
-  type: "plain";
-  content: string;
-}
-
-interface TermsDocumentJson {
-  type: "json";
-  data: any;
-}
-
-interface TermsDocumentPdf {
-  type: "pdf";
-  location: URL;
-}
-
-function amountToString(text: AmountJson): string {
-  const aj = Amounts.jsonifyAmount(text);
-  const amount = Amounts.stringifyValue(aj);
-  return `${amount} ${aj.currency}`;
-}
-
 export function View({
   withdrawalFee,
   exchangeBaseUrl,
@@ -162,7 +110,9 @@ export function View({
             kind="negative"
           />
         )}
-        <Part title="Exchange" text={exchangeBaseUrl} kind="neutral" big />
+        {exchangeBaseUrl && (
+          <Part title="Exchange" text={exchangeBaseUrl} kind="neutral" big />
+        )}
       </section>
       {!reviewing && (
         <section>
@@ -190,13 +140,6 @@ export function View({
           )}
         </section>
       )}
-      {!reviewing && reviewed && (
-        <section>
-          <LinkSuccess upperCased onClick={() => onReview(true)}>
-            {i18n.str`Show terms of service`}
-          </LinkSuccess>
-        </section>
-      )}
       {terms.status === "notfound" && (
         <section>
           <WarningText>
@@ -204,79 +147,14 @@ export function View({
           </WarningText>
         </section>
       )}
-      {reviewing && (
-        <section>
-          {terms.status !== "accepted" &&
-            terms.value &&
-            terms.value.type === "xml" && (
-              <TermsOfService>
-                <ExchangeXmlTos doc={terms.value.document} />
-              </TermsOfService>
-            )}
-          {terms.status !== "accepted" &&
-            terms.value &&
-            terms.value.type === "plain" && (
-              <div style={{ textAlign: "left" }}>
-                <pre>{terms.value.content}</pre>
-              </div>
-            )}
-          {terms.status !== "accepted" &&
-            terms.value &&
-            terms.value.type === "html" && (
-              <iframe src={terms.value.href.toString()} />
-            )}
-          {terms.status !== "accepted" &&
-            terms.value &&
-            terms.value.type === "pdf" && (
-              <a href={terms.value.location.toString()} download="tos.pdf">
-                Download Terms of Service
-              </a>
-            )}
-        </section>
-      )}
-      {reviewing && reviewed && (
-        <section>
-          <LinkSuccess upperCased onClick={() => onReview(false)}>
-            {i18n.str`Hide terms of service`}
-          </LinkSuccess>
-        </section>
-      )}
-      {(reviewing || reviewed) && (
-        <section>
-          <CheckboxOutlined
-            name="terms"
-            enabled={reviewed}
-            label={i18n.str`I accept the exchange terms of service`}
-            onToggle={() => {
-              onAccept(!reviewed);
-              onReview(false);
-            }}
-          />
-        </section>
-      )}
-
-      {/**
-       * Main action section
-       */}
+      <TermsOfServiceSection
+        reviewed={reviewed}
+        reviewing={reviewing}
+        terms={terms}
+        onAccept={onAccept}
+        onReview={onReview}
+      />
       <section>
-        {terms.status === "new" && !reviewed && !reviewing && (
-          <ButtonSuccess
-            upperCased
-            disabled={!exchangeBaseUrl}
-            onClick={() => onReview(true)}
-          >
-            {i18n.str`Review exchange terms of service`}
-          </ButtonSuccess>
-        )}
-        {terms.status === "changed" && !reviewed && !reviewing && (
-          <ButtonWarning
-            upperCased
-            disabled={!exchangeBaseUrl}
-            onClick={() => onReview(true)}
-          >
-            {i18n.str`Review new version of terms of service`}
-          </ButtonWarning>
-        )}
         {(terms.status === "accepted" || (needsReview && reviewed)) && (
           <ButtonSuccess
             upperCased
@@ -310,15 +188,15 @@ export function WithdrawPageWithParsedURI({
   const [customExchange, setCustomExchange] = useState<string | undefined>(
     undefined,
   );
-  const [errorAccepting, setErrorAccepting] = useState<string | undefined>(
-    undefined,
-  );
+  // const [errorAccepting, setErrorAccepting] = useState<string | undefined>(
+  //   undefined,
+  // );
 
   const [reviewing, setReviewing] = useState<boolean>(false);
   const [reviewed, setReviewed] = useState<boolean>(false);
   const [confirmed, setConfirmed] = useState<boolean>(false);
 
-  const knownExchangesHook = useAsyncAsHook(() => listExchanges());
+  const knownExchangesHook = useAsyncAsHook(() => wxApi.listExchanges());
 
   const knownExchanges =
     !knownExchangesHook || knownExchangesHook.hasError
@@ -329,19 +207,25 @@ export function WithdrawPageWithParsedURI({
     (ex) => ex.currency === withdrawAmount.currency,
   );
 
-  const exchange =
-    customExchange ||
-    uriInfo.defaultExchangeBaseUrl ||
-    thisCurrencyExchanges[0]?.exchangeBaseUrl;
+  const exchange: string | undefined =
+    customExchange ??
+    uriInfo.defaultExchangeBaseUrl ??
+    (thisCurrencyExchanges[0]
+      ? thisCurrencyExchanges[0].exchangeBaseUrl
+      : undefined);
+
   const detailsHook = useAsyncAsHook(async () => {
     if (!exchange) throw Error("no default exchange");
-    const tos = await getExchangeTos(exchange, ["text/xml"]);
-    const info = await getExchangeWithdrawalInfo({
+    const tos = await wxApi.getExchangeTos(exchange, ["text/xml"]);
+
+    const tosState = buildTermsOfServiceState(tos);
+
+    const info = await wxApi.getExchangeWithdrawalInfo({
       exchangeBaseUrl: exchange,
       amount: withdrawAmount,
       tosAcceptedFormat: ["text/xml"],
     });
-    return { tos, info };
+    return { tos: tosState, info };
   });
 
   if (!detailsHook) {
@@ -364,21 +248,24 @@ export function WithdrawPageWithParsedURI({
   const details = detailsHook.response;
 
   const onAccept = async (): Promise<void> => {
+    if (!exchange) return;
     try {
-      await setExchangeTosAccepted(exchange, details.tos.currentEtag);
+      await wxApi.setExchangeTosAccepted(exchange, details.tos.version);
       setReviewed(true);
     } catch (e) {
       if (e instanceof Error) {
-        setErrorAccepting(e.message);
+        //FIXME: uncomment this and display error
+        // setErrorAccepting(e.message);
       }
     }
   };
 
   const onWithdraw = async (): Promise<void> => {
+    if (!exchange) return;
     setConfirmed(true);
     console.log("accepting exchange", exchange);
     try {
-      const res = await acceptWithdrawal(uri, exchange);
+      const res = await wxApi.acceptWithdrawal(uri, exchange);
       console.log("accept withdrawal response", res);
       if (res.confirmTransferUrl) {
         document.location.href = res.confirmTransferUrl;
@@ -388,30 +275,13 @@ export function WithdrawPageWithParsedURI({
     }
   };
 
-  const termsContent: TermsDocument | undefined = parseTermsOfServiceContent(
-    details.tos.contentType,
-    details.tos.content,
-  );
-
-  const status: TermsStatus = !termsContent
-    ? "notfound"
-    : !details.tos.acceptedEtag
-    ? "new"
-    : details.tos.acceptedEtag !== details.tos.currentEtag
-    ? "changed"
-    : "accepted";
-
   return (
     <View
       onWithdraw={onWithdraw}
-      // details={details.tos}
       amount={withdrawAmount}
       exchangeBaseUrl={exchange}
       withdrawalFee={details.info.withdrawFee} //FIXME
-      terms={{
-        status,
-        value: termsContent,
-      }}
+      terms={detailsHook.response.tos}
       onSwitchExchange={setCustomExchange}
       knownExchanges={knownExchanges}
       confirmed={confirmed}
@@ -426,7 +296,7 @@ export function WithdrawPage({ talerWithdrawUri }: Props): VNode {
   const uriInfoHook = useAsyncAsHook(() =>
     !talerWithdrawUri
       ? Promise.reject(undefined)
-      : getWithdrawalDetailsForUri({ talerWithdrawUri }),
+      : wxApi.getWithdrawalDetailsForUri({ talerWithdrawUri }),
   );
 
   if (!talerWithdrawUri) {
@@ -459,46 +329,3 @@ export function WithdrawPage({ talerWithdrawUri }: Props): VNode {
     />
   );
 }
-
-function parseTermsOfServiceContent(
-  type: string,
-  text: string,
-): TermsDocument | undefined {
-  if (type === "text/xml") {
-    try {
-      const document = new DOMParser().parseFromString(text, "text/xml");
-      return { type: "xml", document };
-    } catch (e) {
-      console.log(e);
-    }
-  } else if (type === "text/html") {
-    try {
-      const href = new URL(text);
-      return { type: "html", href };
-    } catch (e) {
-      console.log(e);
-    }
-  } else if (type === "text/json") {
-    try {
-      const data = JSON.parse(text);
-      return { type: "json", data };
-    } catch (e) {
-      console.log(e);
-    }
-  } else if (type === "text/pdf") {
-    try {
-      const location = new URL(text);
-      return { type: "pdf", location };
-    } catch (e) {
-      console.log(e);
-    }
-  } else if (type === "text/plain") {
-    try {
-      const content = text;
-      return { type: "plain", content };
-    } catch (e) {
-      console.log(e);
-    }
-  }
-  return undefined;
-}
diff --git a/packages/taler-wallet-webextension/src/cta/termsExample.ts b/packages/taler-wallet-webextension/src/cta/termsExample.ts
new file mode 100644
index 000000000..d42e49c86
--- /dev/null
+++ b/packages/taler-wallet-webextension/src/cta/termsExample.ts
@@ -0,0 +1,781 @@
+/*
+ This file is part of GNU Taler
+ (C) 2021 Taler Systems S.A.
+
+ GNU Taler is free software; you can redistribute it and/or modify it 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.
+
+ GNU Taler is distributed in the hope that it will be useful, but WITHOUT ANY
+ WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR
+ A PARTICULAR PURPOSE.  See the GNU General Public License for more details.
+
+ You should have received a copy of the GNU General Public License along with
+ GNU Taler; see the file COPYING.  If not, see <http://www.gnu.org/licenses/>
+ */
+
+/**
+ *
+ * @author Sebastian Javier Marchano (sebasjm)
+ */
+
+export const termsHtml = `<html xmlns="http://www.w3.org/1999/xhtml" lang="en">
+<head>
+  <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
+  <title>Terms Of Service &#8212; Taler Terms of Service</title>
+</head><body>
+  <div>
+    Terms of service
+  </div>
+  <div>
+    A complete separated html with it's own design
+  </div>
+</body>
+</html>
+`;
+export const termsPlain = `
+Terms Of Service
+****************
+
+Last Updated: 12.4.2019
+
+Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment
+service through our Internet presence (collectively the “Services”).
+Before using our Services, please read the Terms of Service (the
+“Terms” or the “Agreement”) carefully.
+
+
+Overview
+========
+
+This section provides a brief summary of the highlights of this
+Agreement. Please note that when you accept this Agreement, you are
+accepting all of the terms and conditions and not just this section.
+We and possibly other third parties provide Internet services which
+interact with the Taler Wallet’s self-hosted personal payment
+application. When using the Taler Wallet to interact with our
+Services, you are agreeing to our Terms, so please read carefully.
+
+
+Highlights:
+-----------
+
+   * You are responsible for keeping the data in your Taler Wallet at
+     all times under your control. Any losses arising from you not
+     being in control of your private information are your problem.
+
+   * We will try to transfer funds we hold in escrow for our users to
+     any legal recipient to the best of our ability within the
+     limitations of the law and our implementation. However, the
+     Services offered today are highly experimental and the set of
+     recipients of funds is severely restricted.
+
+   * For our Services, we may charge transaction fees. The specific
+     fee structure is provided based on the Taler protocol and should
+     be shown to you when you withdraw electronic coins using a Taler
+     Wallet. You agree and understand that the Taler protocol allows
+     for the fee structure to change.
+
+   * You agree to not intentionally overwhelm our systems with
+     requests and follow responsible disclosure if you find security
+     issues in our services.
+
+   * We cannot be held accountable for our Services not being
+     available due to circumstances beyond our control. If we modify
+     or terminate our services, we will try to give you the
+     opportunity to recover your funds. However, given the
+     experimental state of the Services today, this may not be
+     possible. You are strongly advised to limit your use of the
+     Service to small-scale experiments expecting total loss of all
+     funds.
+
+These terms outline approved uses of our Services. The Services and
+these Terms are still at an experimental stage. If you have any
+questions or comments related to this Agreement, please send us a
+message to legal@taler-systems.com. If you do not agree to this
+Agreement, you must not use our Services.
+
+
+How you accept this policy
+==========================
+
+By sending funds to us (to top-up your Taler Wallet), you acknowledge
+that you have read, understood, and agreed to these Terms. We reserve
+the right to change these Terms at any time. If you disagree with the
+change, we may in the future offer you with an easy option to recover
+your unspent funds. However, in the current experimental period you
+acknowledge that this feature is not yet available, resulting in your
+funds being lost unless you accept the new Terms. If you continue to
+use our Services other than to recover your unspent funds, your
+continued use of our Services following any such change will signify
+your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes
+since you have last reviewed these Terms.
+
+
+Services
+========
+
+We will try to transfer funds that we hold in escrow for our users to
+any legal recipient to the best of our ability and within the
+limitations of the law and our implementation. However, the Services
+offered today are highly experimental and the set of recipients of
+funds is severely restricted.  The Taler Wallet can be loaded by
+exchanging fiat currencies against electronic coins. We are providing
+this exchange service. Once your Taler Wallet is loaded with
+electronic coins they can be spent for purchases if the seller is
+accepting Taler as a means of payment. We are not guaranteeing that
+any seller is accepting Taler at all or a particular seller.  The
+seller or recipient of deposits of electronic coins must specify the
+target account, as per the design of the Taler protocol. They are
+responsible for following the protocol and specifying the correct bank
+account, and are solely liable for any losses that may arise from
+specifying the wrong account. We will allow the government to link
+wire transfers to the underlying contract hash. It is the
+responsibility of recipients to preserve the full contracts and to pay
+whatever taxes and charges may be applicable. Technical issues may
+lead to situations where we are unable to make transfers at all or
+lead to incorrect transfers that cannot be reversed. We will only
+refuse to execute transfers if the transfers are prohibited by a
+competent legal authority and we are ordered to do so.
+
+
+Fees
+====
+
+You agree to pay the fees for exchanges and withdrawals completed via
+the Taler Wallet ("Fees") as defined by us, which we may change from
+time to time. With the exception of wire transfer fees, Taler
+transaction fees are set for any electronic coin at the time of
+withdrawal and fixed throughout the validity period of the respective
+electronic coin. Your wallet should obtain and display applicable fees
+when withdrawing funds. Fees for coins obtained as change may differ
+from the fees applicable to the original coin. Wire transfer fees that
+are independent from electronic coins may change annually.  You
+authorize us to charge or deduct applicable fees owed in connection
+with deposits, exchanges and withdrawals following the rules of the
+Taler protocol. We reserve the right to provide different types of
+rewards to users either in the form of discount for our Services or in
+any other form at our discretion and without prior notice to you.
+
+
+Eligibility
+===========
+
+To be eligible to use our Services, you must be able to form legally
+binding contracts or have the permission of your legal guardian. By
+using our Services, you represent and warrant that you meet all
+eligibility requirements that we outline in these Terms.
+
+
+Financial self-responsibility
+=============================
+
+You will be responsible for maintaining the availability, integrity
+and confidentiality of the data stored in your wallet. When you setup
+a Taler Wallet, you are strongly advised to follow the precautionary
+measures offered by the software to minimize the chances to losse
+access to or control over your Wallet data. We will not be liable for
+any loss or damage arising from your failure to comply with this
+paragraph.
+
+
+Copyrights and trademarks
+=========================
+
+The Taler Wallet is released under the terms of the GNU General Public
+License (GNU GPL). You have the right to access, use, and share the
+Taler Wallet, in modified or unmodified form. However, the GPL is a
+strong copyleft license, which means that any derivative works must be
+distributed under the same license terms as the original software. If
+you have any questions, you should review the GNU GPL’s full terms and
+conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler”
+itself is a trademark of Taler Systems SA. You are welcome to use the
+name in relation to processing payments using the Taler protocol,
+assuming your use is compatible with an official release from the GNU
+Project that is not older than two years.
+
+
+Your use of our services
+========================
+
+When using our Services, you agree to not take any action that
+intentionally imposes an unreasonable load on our infrastructure. If
+you find security problems in our Services, you agree to first report
+them to security@taler-systems.com and grant us the right to publish
+your report. We warrant that we will ourselves publicly disclose any
+issues reported within 3 months, and that we will not prosecute anyone
+reporting security issues if they did not exploit the issue beyond a
+proof-of-concept, and followed the above responsible disclosure
+practice.
+
+
+Limitation of liability & disclaimer of warranties
+==================================================
+
+You understand and agree that we have no control over, and no duty to
+take any action regarding: Failures, disruptions, errors, or delays in
+processing that you may experience while using our Services; The risk
+of failure of hardware, software, and Internet connections; The risk
+of malicious software being introduced or found in the software
+underlying the Taler Wallet; The risk that third parties may obtain
+unauthorized access to information stored within your Taler Wallet,
+including, but not limited to your Taler Wallet coins or backup
+encryption keys.  You release us from all liability related to any
+losses, damages, or claims arising from:
+
+1. user error such as forgotten passwords, incorrectly constructed
+   transactions;
+
+2. server failure or data loss;
+
+3. unauthorized access to the Taler Wallet application;
+
+4. bugs or other errors in the Taler Wallet software; and
+
+5. any unauthorized third party activities, including, but not limited
+   to, the use of viruses, phishing, brute forcing, or other means of
+   attack against the Taler Wallet. We make no representations
+   concerning any Third Party Content contained in or accessed through
+   our Services.
+
+Any other terms, conditions, warranties, or representations associated
+with such content, are solely between you and such organizations
+and/or individuals.
+
+
+Limitation of liability
+=======================
+
+To the fullest extent permitted by applicable law, in no event will we
+or any of our officers, directors, representatives, agents, servants,
+counsel, employees, consultants, lawyers, and other personnel
+authorized to act, acting, or purporting to act on our behalf
+(collectively the “Taler Parties”) be liable to you under contract,
+tort, strict liability, negligence, or any other legal or equitable
+theory, for:
+
+1. any lost profits, data loss, cost of procurement of substitute
+   goods or services, or direct, indirect, incidental, special,
+   punitive, compensatory, or consequential damages of any kind
+   whatsoever resulting from:
+
+   1. your use of, or conduct in connection with, our services;
+
+   2. any unauthorized use of your wallet and/or private key due to
+      your failure to maintain the confidentiality of your wallet;
+
+   3. any interruption or cessation of transmission to or from the
+      services; or
+
+   4. any bugs, viruses, trojan horses, or the like that are found in
+      the Taler Wallet software or that may be transmitted to or
+      through our services by any third party (regardless of the
+      source of origination), or
+
+2. any direct damages.
+
+These limitations apply regardless of legal theory, whether based on
+tort, strict liability, breach of contract, breach of warranty, or any
+other legal theory, and whether or not we were advised of the
+possibility of such damages. Some jurisdictions do not allow the
+exclusion or limitation of liability for consequential or incidental
+damages, so the above limitation may not apply to you.
+
+
+Warranty disclaimer
+===================
+
+Our services are provided "as is" and without warranty of any kind. To
+the maximum extent permitted by law, we disclaim all representations
+and warranties, express or implied, relating to the services and
+underlying software or any content on the services, whether provided
+or owned by us or by any third party, including without limitation,
+warranties of merchantability, fitness for a particular purpose,
+title, non-infringement, freedom from computer virus, and any implied
+warranties arising from course of dealing, course of performance, or
+usage in trade, all of which are expressly disclaimed. In addition, we
+do not represent or warrant that the content accessible via the
+services is accurate, complete, available, current, free of viruses or
+other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer
+of implied warranties, so the foregoing disclaimers may not apply to
+you. This paragraph gives you specific legal rights and you may also
+have other legal rights that vary from state to state.
+
+
+Indemnity
+=========
+
+To the extent permitted by applicable law, you agree to defend,
+indemnify, and hold harmless the Taler Parties from and against any
+and all claims, damages, obligations, losses, liabilities, costs or
+debt, and expenses (including, but not limited to, attorney’s fees)
+arising from: (a) your use of and access to the Services; (b) any
+feedback or submissions you provide to us concerning the Taler Wallet;
+(c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third
+party.
+
+
+Time limitation on claims
+=========================
+
+You agree that any claim you may have arising out of or related to
+your relationship with us must be filed within one year after such
+claim arises, otherwise, your claim in permanently barred.
+
+
+Governing law
+=============
+
+No matter where you’re located, the laws of Switzerland will govern
+these Terms. If any provisions of these Terms are inconsistent with
+any applicable law, those provisions will be superseded or modified
+only to the extent such provisions are inconsistent. The parties agree
+to submit to the ordinary courts in Zurich, Switzerland for exclusive
+jurisdiction of any dispute arising out of or related to your use of
+the Services or your breach of these Terms.
+
+
+Termination
+===========
+
+In the event of termination concerning your use of our Services, your
+obligations under this Agreement will still continue.
+
+
+Discontinuance of services
+==========================
+
+We may, in our sole discretion and without cost to you, with or
+without prior notice, and at any time, modify or discontinue,
+temporarily or permanently, any portion of our Services. We will use
+the Taler protocol’s provisions to notify Wallets if our Services are
+to be discontinued. It is your responsibility to ensure that the Taler
+Wallet is online at least once every three months to observe these
+notifications. We shall not be held responsible or liable for any loss
+of funds in the event that we discontinue or depreciate the Services
+and your Taler Wallet fails to transfer out the coins within a three
+months notification period.
+
+
+No waiver
+=========
+
+Our failure to exercise or delay in exercising any right, power, or
+privilege under this Agreement shall not operate as a waiver; nor
+shall any single or partial exercise of any right, power, or privilege
+preclude any other or further exercise thereof.
+
+
+Severability
+============
+
+If it turns out that any part of this Agreement is invalid, void, or
+for any reason unenforceable, that term will be deemed severable and
+limited or eliminated to the minimum extent necessary.
+
+
+Force majeure
+=============
+
+We shall not be held liable for any delays, failure in performance, or
+interruptions of service which result directly or indirectly from any
+cause or condition beyond our reasonable control, including but not
+limited to: any delay or failure due to any act of God, act of civil
+or military authorities, act of terrorism, civil disturbance, war,
+strike or other labor dispute, fire, interruption in
+telecommunications or Internet services or network provider services,
+failure of equipment and/or software, other catastrophe, or any other
+occurrence which is beyond our reasonable control and shall not affect
+the validity and enforceability of any remaining provisions.
+
+
+Assignment
+==========
+
+You agree that we may assign any of our rights and/or transfer, sub-
+contract, or delegate any of our obligations under these Terms.
+
+
+Entire agreement
+================
+
+This Agreement sets forth the entire understanding and agreement as to
+the subject matter hereof and supersedes any and all prior
+discussions, agreements, and understandings of any kind (including,
+without limitation, any prior versions of this Agreement) and every
+nature between us. Except as provided for above, any modification to
+this Agreement must be in writing and must be signed by both parties.
+
+
+Questions or comments
+=====================
+
+We welcome comments, questions, concerns, or suggestions. Please send
+us a message on our contact page at legal@taler-systems.com.
+
+`;
+
+export const termsXml = `<?xml version="1.0" encoding="utf-8"?>
+<!DOCTYPE document PUBLIC "+//IDN docutils.sourceforge.net//DTD Docutils Generic//EN//XML" "http://docutils.sourceforge.net/docs/ref/docutils.dtd">
+<!-- Generated by Docutils 0.14 -->
+<document source="/home/grothoff/research/taler/exchange/contrib/tos/tos.rst">
+    <section ids="terms-of-service" names="terms\ of\ service">
+        <title>Terms Of Service</title>
+        <paragraph>Last Updated: 12.4.2019</paragraph>
+        <paragraph>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.</paragraph>
+        <section ids="overview" names="overview">
+            <title>Overview</title>
+            <paragraph>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.</paragraph>
+            <section ids="highlights" names="highlights:">
+                <title>Highlights:</title>
+                <block_quote>
+                    <bullet_list bullet="•">
+                        <list_item>
+                            <paragraph>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.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>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.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>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.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>You agree to not intentionally overwhelm our systems with requests and
+                                follow responsible disclosure if you find security issues in our services.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>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.</paragraph>
+                        </list_item>
+                    </bullet_list>
+                </block_quote>
+                <paragraph>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
+                    <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>. If you do not agree to this Agreement, you must not
+                    use our Services.</paragraph>
+            </section>
+        </section>
+        <section ids="how-you-accept-this-policy" names="how\ you\ accept\ this\ policy">
+            <title>How you accept this policy</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="services" names="services">
+            <title>Services</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="fees" names="fees">
+            <title>Fees</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="eligibility" names="eligibility">
+            <title>Eligibility</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="financial-self-responsibility" names="financial\ self-responsibility">
+            <title>Financial self-responsibility</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="copyrights-and-trademarks" names="copyrights\ and\ trademarks">
+            <title>Copyrights and trademarks</title>
+            <paragraph>The Taler Wallet is released under the terms of the GNU General Public License
+                (GNU GPL). You have the right to access, use, and share the Taler Wallet, in
+                modified or unmodified form. However, the GPL is a strong copyleft license,
+                which means that any derivative works must be distributed under the same
+                license terms as the original software. If you have any questions, you should
+                review the GNU GPL’s full terms and conditions at
+                <reference refuri="https://www.gnu.org/licenses/gpl-3.0.en.html">https://www.gnu.org/licenses/gpl-3.0.en.html</reference>.  “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.</paragraph>
+        </section>
+        <section ids="your-use-of-our-services" names="your\ use\ of\ our\ services">
+            <title>Your use of our services</title>
+            <paragraph>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
+                <reference refuri="mailto:security@taler-systems.com">security@taler-systems.com</reference> 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.</paragraph>
+        </section>
+        <section ids="limitation-of-liability-disclaimer-of-warranties" names="limitation\ of\ liability\ &amp;\ disclaimer\ of\ warranties">
+            <title>Limitation of liability &amp; disclaimer of warranties</title>
+            <paragraph>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:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>user error such as forgotten passwords, incorrectly constructed
+                        transactions;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>server failure or data loss;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>unauthorized access to the Taler Wallet application;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>bugs or other errors in the Taler Wallet software; and</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>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.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>Any other terms, conditions, warranties, or representations associated with
+                such content, are solely between you and such organizations and/or
+                individuals.</paragraph>
+        </section>
+        <section ids="limitation-of-liability" names="limitation\ of\ liability">
+            <title>Limitation of liability</title>
+            <paragraph>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:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>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:</paragraph>
+                </list_item>
+            </enumerated_list>
+            <block_quote>
+                <enumerated_list enumtype="lowerroman" prefix="(" suffix=")">
+                    <list_item>
+                        <paragraph>your use of, or conduct in connection with, our services;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any unauthorized use of your wallet and/or private key due to your
+                            failure to maintain the confidentiality of your wallet;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any interruption or cessation of transmission to or from the services; or</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>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</paragraph>
+                    </list_item>
+                </enumerated_list>
+            </block_quote>
+            <enumerated_list enumtype="loweralpha" prefix="(" start="2" suffix=")">
+                <list_item>
+                    <paragraph>any direct damages.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="warranty-disclaimer" names="warranty\ disclaimer">
+            <title>Warranty disclaimer</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="indemnity" names="indemnity">
+            <title>Indemnity</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="time-limitation-on-claims" names="time\ limitation\ on\ claims">
+            <title>Time limitation on claims</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="governing-law" names="governing\ law">
+            <title>Governing law</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="termination" names="termination">
+            <title>Termination</title>
+            <paragraph>In the event of termination concerning your use of our Services, your
+                obligations under this Agreement will still continue.</paragraph>
+        </section>
+        <section ids="discontinuance-of-services" names="discontinuance\ of\ services">
+            <title>Discontinuance of services</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="no-waiver" names="no\ waiver">
+            <title>No waiver</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="severability" names="severability">
+            <title>Severability</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="force-majeure" names="force\ majeure">
+            <title>Force majeure</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="assignment" names="assignment">
+            <title>Assignment</title>
+            <paragraph>You agree that we may assign any of our rights and/or transfer, sub-contract,
+                or delegate any of our obligations under these Terms.</paragraph>
+        </section>
+        <section ids="entire-agreement" names="entire\ agreement">
+            <title>Entire agreement</title>
+            <paragraph>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.</paragraph>
+        </section>
+        <section ids="questions-or-comments" names="questions\ or\ comments">
+            <title>Questions or comments</title>
+            <paragraph>We welcome comments, questions, concerns, or suggestions. Please send us a
+                message on our contact page at <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>.</paragraph>
+        </section>
+    </section>
+</document>
+`;
+
+export const termsPdf = `
+%PDF-1.2 
+9 0 obj << >> 
+stream
+BT/ 9 Tf(This is the Exchange TERMS OF SERVICE)' ET
+endstream
+endobj
+4 0 obj << /Type /Page /Parent 5 0 R /Contents 9 0 R >> endobj 
+5 0 obj << /Kids [4 0 R ] /Count 1 /Type /Pages /MediaBox [ 0 0 180 20 ] >> endobj
+3 0 obj << /Pages 5 0 R /Type /Catalog >> endobj
+trailer
+<< /Root 3 0 R >>
+%%EOF
+`;
+