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Diffstat (limited to 'template/faq.html.j2')
| -rw-r--r-- | template/faq.html.j2 | 164 |
1 files changed, 138 insertions, 26 deletions
diff --git a/template/faq.html.j2 b/template/faq.html.j2 index c7992785..158f402a 100644 --- a/template/faq.html.j2 +++ b/template/faq.html.j2 @@ -1,7 +1,12 @@ {% extends "common/base.j2" %} {% block body_content %} +<main id="maincontent"> <div class="container"> - + <div class="row"> + <div class="col"> + <h1>{{ _("GNU Taler: Frequently Asked Questions") }}</h1> + </div> + </div> <h2>{{ _("How is Taler related to Bitcoin or Blockchains?") }}</h2> <p> @@ -26,17 +31,16 @@ <h2>{{ _("Where is the balance in my wallet stored?") }}</h2> <p> {% trans %} - Your wallet stores digital coins and thus ultimately your computer - holds your balance. The exchange keeps funds matching all unspent - coins in an escrow bank account. + Your wallet stores digital cash and thus ultimately your computer holds your balance. + The Taler Exchange keeps funds matching all unspent digital cash in a settlement account. {% endtrans %} </p> <h2>{{ _("What if my wallet is lost?") }}</h2> <p> {% trans %} - Since the digital coins of value in your wallet are anonymized, the - exchange can not assist you in recovering a lost or stolen wallet. + Since Taler's digital cash in your wallet is anonymized, the + exchange cannot assist you in recovering a lost or stolen wallet. Just like with a physical wallet for cash, you are responsible for keeping it safe. {% endtrans %} @@ -52,24 +56,35 @@ <h2>{{ _("What if my computer is hacked?") }}</h2> <p> {% trans %} - In case of a compromise of one of your devices, an attacker can - spend coins from your wallet. Checking your balance might reveal - to you that your device has been compromised. + In case of a compromise of one of your devices, an attacker can spend digital cash from your wallet. + Checking your balance might reveal to you whether your device has eventually been compromised. + If a coin has been spent, this coin cannot be spent a second time. + The Exchange examines every coin whether it has been spent and thus makes double spending impossible. {% endtrans %} </p> - <h2>{{ _("Can I send money to my friend with Taler?") }}</h2> + <h2>{{ _("How do I install a Taler wallet on my browser?") }}</h2> <p> - {% trans %} - If your friend provides goods or services for you in exchange for a - payment, they can easily set up a Taler merchant and receive the - payment in their bank account. + {% trans %}Please visit the <a href="https://wallet.taler.net/" target="_blank" rel="noopener noreferrer"> + Taler wallet install page</a> for browser extensions and select the wallet matching with your browser type. + {% endtrans %} + </p> + + <h2>{{ _("How do I install a Taler wallet on my phone?") }}</h2> + <p> + {% trans %}Please visit an app store matching with your smartphone and select the Taler app. + You will find links on <a href="https://wallet.taler.net/" target="_blank" rel="noopener noreferrer"> + the wallet install page</a> guiding you to the respective app stores. {% endtrans %} </p> + + <h2>{{ _("Can I send money to my friends with Taler?") }}</h2> <p> {% trans %} - Future versions of the Taler wallet may allow exchanging coins - among friends directly as well. + Taler supports push and pull payments between wallets (also known as peer-to-peer payments). + While the payment appears to be directly between wallets, technically the operation + is intermediated by the payment service provider which will typically be legally required + to identify the recipient of the funds before allowing the transaction to complete. {% endtrans %} </p> @@ -140,21 +155,29 @@ <p> {% trans %} The exchange would be operated by a bank or in cooperation with a bank, and that bank - would hold the funds in escrow. Note that this bank could be a regular bank or a central - bank for a centrally banked electronic currency. Regardless, the bank would fall under - the respective banking regulations establishing a reason why consumers would have faith - in the conversion from Taler coins into regular bank money. + would hold the funds in escrow respectively on an internal settlement account. + Note that this bank could be a regular bank or a central bank for a central bank digital currency. + Irrespective of this, the bank would fall under the relevant financial services regulations, + which is one reason why consumers can rely on the conversion of Taler coins into normal bank money. {% endtrans %} </p> <h2>{{ _("To whom would consumers complain to in case of non-conversion or non-compliance?") }}</h2> <p> {% trans %} - Any exchange should be audited by one or more independent auditors. Merchants and - consumer wallets will report certain issues automatically to the auditors, but auditors - may also provide a method for manual submission of issues. The auditors are expected - to make their reports available to the respective regulatory authorities, or even - the general public. + From a technical point of view, any exchange is audited by one or more independent auditors. + Merchants and consumer wallets will report certain issues automatically to the auditors, + but auditors may also provide a method for manual submission of issues. + The auditors are expected to make their reports available to the respective regulatory authorities, or even the general public. + </p> + <p> + From a legal point of view, users can always turn to their national authority responsible for + settling disputes concerning the management of exchange services. + For exchange services conducting business in Germany, this would be the general authority + in charge of disputes (<a href="https://www.verbraucher-schlichter.de">Universalschlichtungsstelle des Bundes</a>). + In addition to this, the European Online Dispute Resolution (see <a href="http://ec.europa.eu/odr">ODR</a>) + as a platform provided by the European Commission can be called for the settlement of disputes + concerning exchange services headquartered in member states of the European Union. {% endtrans %} </p> @@ -166,7 +189,7 @@ in discussions with several regular banks as well as several central banks about the project. That said, there are currently no products in the market yet, and we believe this would be premature given the state of - the project (see also <a href="https://gnunet.org/bugs/">our bugtracker</a> + the project (see also <a href="https://bugs.gnunet.org/" target="_blank" rel="noopener noreferrer">our bugtracker</a> for a list of open issues). {% endtrans %} </p> @@ -191,5 +214,94 @@ {% endtrans %} </p> + <h2>{{ _("How do wire fees work?") }}</h2> + <p> + {% trans %} + A <b>wire fee</b> is charged by Taler operators + on outgoing wire transfers when Taler is used to wire + funds into a bank account. Merchants are encouraged to allow Taler to + delay and then aggregate many small payments into a single collective + wire transfer to minimize wire transfer fees. For example, by + configuring a <b>wire deadline</b> of one week, all payments within a + week could be aggregated into a single wire transfer, and thus the wire + transfer fee would only be charged once per week. The fee is simply + subtracted from the total amount wired. + {% endtrans %} + </p> + + <h2>{{ _("How do deposit fees work?") }}</h2> + <p> + {% trans %} + Withdrawing 5 CHF creates electronic coins with + denominations of 0.04 CHF, 0.16 CHF, 0.32 CHF, + 0.64 CHF, 1.28 CHF, and 2.56 CHF. Paying 3.23 CHF + might then use the 0.04 CHF, 0.64 CHF and 2.56 CHF coins, + resulting in a total of 3.24 CHF with 0.01 CHF returned as + change. + {% endtrans %} + </p> + <p class="flex-1"> + {% trans %} + <b>Deposit fees</b> charged by Taler payment providers depend on the + electronic coins used in the transaction. For example, + the deposit fee could be higher for a $1.28 CHF coin than for a a $0.01 CHF coin. Your wallet will + automatically try to select coins that minimize the + fees you have to pay. + Merchants can offer to pay + deposit fees up to a specified limit; customers have to pay deposit + fees that exceed what the merchant is willing to cover. Taler wallets + inform customers about applicable deposit fees they have to pay before + every transaction. + {% endtrans %} + </p> + + <h2>{{ _("How do bounce fees work?") }}</h2> + <p> + {% trans %} + A <b>bounce fee</b> is charged by + Taler operators to wire transfers that return funds to customers when + either the Taler wallet did not withdraw the amount after + <b>4 weeks</b>, or immediately if a wire transfer subject was used that + is missing the required code to associate a wallet with the wire + transfer. The fee is deducted from the amount transferred back to the + original account. + {% endtrans %} + </p> + <p> + {% trans %} + To avoid paying bounce fees payers should be careful when + entering the wire transfer subject, and ensure that their wallet is + online within a month of initiating the withdrawal. + {% endtrans %} + </p> + + <h2>{{ _("How to avoid digital cash expiration?") }}</h2> + <p> + {% trans %} + Taler e-money is issued with a validity period. + One month before the expiration + date, you wallet should automatically exchange any digital cash that is about + to expire for new digital cash with an extended validity period. However, if + your wallet is offline for an extended period of time, it may be unable + to do so. Ensure your wallet is regularly online to avoid losing money + due to expiration! + {% endtrans %} + </p> + + <h2>{{ _("To whom would consumers complain to in case of non-conversion or non-compliance?") }}</h2> + <p> + {% trans %} + In case that customers or merchants have reason to complain about the Taler payment system, + Taler Operations AG will be their first point of contact. We are always grateful for your suggestions + for improvement and for error messages. The best way to file these is done via our + <a href="https://bugs.gnunet.org" target="_blank" rel="noopener noreferrer">bug tracker</a>. + The ticket system makes it possible to submit reports anonymously. + </p> + <p> + Taler Operations AG is a member at VQF, a Swiss association for the quality assurance of financial services + (Verein zur Qualitätssicherung von Finanzdienstleistungen, General-Guisan-Str. 6, 6300 Zug, + phone +41 41 763 28 20) where users could also turn to in case of complaints. + {% endtrans %} + </p> </div> {% endblock body_content %} |