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[taler-exchange] branch master updated: include BFH ToS
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From: |
gnunet |
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Subject: |
[taler-exchange] branch master updated: include BFH ToS |
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Date: |
Thu, 20 Oct 2022 13:03:16 +0200 |
This is an automated email from the git hooks/post-receive script.
grothoff pushed a commit to branch master
in repository exchange.
The following commit(s) were added to refs/heads/master by this push:
new 5487e141 include BFH ToS
5487e141 is described below
commit 5487e141c1b7f1db909267dd69be41281b9a6212
Author: Christian Grothoff <christian@grothoff.org>
AuthorDate: Thu Oct 20 13:03:13 2022 +0200
include BFH ToS
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contrib/tos/en/bfh.xml | 323 ++++++++++++++++++++++++++++++++++++++++++++
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+
+
+<html lang="en">
+ <head>
+ <meta charset="utf-8" />
+ <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+ <title>Terms Of Service — Taler Terms of Service</title>
+ <link rel="stylesheet" href="_static/pygments.css" type="text/css" />
+ <link rel="stylesheet" href="_static/epub.css" type="text/css" />
+ <script id="documentation_options" data-url_root="./"
src="_static/documentation_options.js"></script>
+ <script src="_static/jquery.js"></script>
+ <script src="_static/underscore.js"></script>
+ <script src="_static/doctools.js"></script>
+ </head><body>
+
+ <div class="document">
+ <div class="documentwrapper">
+ <div class="bodywrapper">
+ <div class="body" role="main">
+
+ <div class="section" id="terms-of-service">
+<h1>Terms Of Service<a class="headerlink" href="#terms-of-service"
title="Permalink to this headline">¶</a></h1>
+<p>Last Updated: 09.06.2022</p>
+<p>Welcome! The ICE research center of the Bern University of Applied Sciences
+in Switzerland (“we,” “our,” or “us”) provides an experimental payment service
+through our Internet presence (collectively the “Services”). Before using our
+Services, please read the Terms of Service (the “Terms” or the “Agreement”)
+carefully.</p>
+<div class="section" id="this-is-research">
+<h2>This is research<a class="headerlink" href="#this-is-research"
title="Permalink to this headline">¶</a></h2>
+<p>This is a research experiment. Any funds wired to our Bitcoin address are
+considered a donation to our research group. We may use them to enable
+payments following the GNU Taler protocol, or simply keep them at our
+discretion. The service is experimental and may also be discontinued at
+any time, in which case all remaining funds will definitively be kept by
+the research group.</p>
+</div>
+<div class="section" id="overview">
+<h2>Overview<a class="headerlink" href="#overview" title="Permalink to this
headline">¶</a></h2>
+<p>This section provides a brief summary of the highlights of this
+Agreement. Please note that when you accept this Agreement, you are accepting
+all of the terms and conditions and not just this section. We and possibly
+other third parties provide Internet services which interact with the Taler
+Wallet’s self-hosted personal payment application. When using the Taler Wallet
+to interact with our Services, you are agreeing to our Terms, so please read
+carefully.</p>
+<div class="section" id="highlights">
+<h3>Highlights:<a class="headerlink" href="#highlights" title="Permalink to
this headline">¶</a></h3>
+<blockquote>
+<div><ul class="simple">
+<li><p>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.</p></li>
+<li><p>We may transfer funds we receive from our users to any legal
+recipient to the best of our ability within the limitations of the law and
+our implementation. However, the Services offered today are highly
+experimental and the set of recipients of funds is severely restricted.
+Again, we stress this is a research experiment and technically all funds
+held by the exchange are owned by the research group of the
university.</p></li>
+<li><p>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.</p></li>
+<li><p>You agree to not intentionally overwhelm our systems with requests and
+follow responsible disclosure if you find security issues in our
services.</p></li>
+<li><p>We cannot be held accountable for our Services not being available due
to
+any circumstances. If we modify or terminate our services,
+we may give you the opportunity to recover your funds. However,
+given the experimental state of the Services today, this may not be
+possible. You are strongly advised to limit your use of the Service
+to small-scale experiments expecting total loss of all funds.</p></li>
+</ul>
+</div></blockquote>
+<p>These terms outline approved uses of our Services. The Services and these
+Terms are still at an experimental stage. If you have any questions or
+comments related to this Agreement, please send us a message to
+<a class="reference external"
href="mailto:ice%40bfh.ch";>ice<span>@</span>bfh<span>.</span>ch</a>.
If you do not agree to this Agreement, you must not
+use our Services.</p>
+</div>
+</div>
+<div class="section" id="how-you-accept-this-policy">
+<h2>How you accept this policy<a class="headerlink"
href="#how-you-accept-this-policy" title="Permalink to this headline">¶</a></h2>
+<p>By sending funds to us (to top-up your Taler Wallet), you acknowledge that
you
+have read, understood, and agreed to these Terms. We reserve the right to
+change these Terms at any time. If you disagree with the change, we may in the
+future offer you with an easy option to recover your unspent funds. However,
+in the current experimental period you acknowledge that this feature is not
+yet available, resulting in your funds being lost unless you accept the new
+Terms. If you continue to use our Services other than to recover your unspent
+funds, your continued use of our Services following any such change will
+signify your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes since you
+have last reviewed these Terms.</p>
+</div>
+<div class="section" id="services">
+<h2>Services<a class="headerlink" href="#services" title="Permalink to this
headline">¶</a></h2>
+<p>We will try to transfer funds that we receive from users to any legal
+recipient to the best of our ability and within the limitations of the
+law. However, the Services offered today are highly experimental and the set
+of recipients of funds is severely restricted. The Taler Wallet can be loaded
+by exchanging fiat or cryptocurrencies against electronic coins. We are
+providing this exchange service. Once your Taler Wallet is loaded with
+electronic coins they can be spent for purchases if the seller is accepting
+Taler as a means of payment. We are not guaranteeing that any seller is
+accepting Taler at all or a particular seller. The seller or recipient of
+deposits of electronic coins must specify the target account, as per the
+design of the Taler protocol. They are responsible for following the protocol
+and specifying the correct bank account, and are solely liable for any losses
+that may arise from specifying the wrong account. We may allow the government
+to link wire transfers to the underlying contract hash. It is the
+responsibility of recipients to preserve the full contracts and to pay
+whatever taxes and charges may be applicable. Technical issues may lead to
+situations where we are unable to make transfers at all or lead to incorrect
+transfers that cannot be reversed. We may refuse to execute transfers if the
+transfers are prohibited by a competent legal authority and we are ordered to
+do so.</p>
+<p>When using our Services, you agree to not take any action that intentionally
+imposes an unreasonable load on our infrastructure. If you find security
+problems in our Services, you agree to first report them to
+<a class="reference external"
href="mailto:security%40taler-systems.com";>security<span>@</span>taler-systems<span>.</span>com</a>
and grant us the right to publish your report. We
+warrant that we will ourselves publicly disclose any issues reported within 3
+months, and that we will not prosecute anyone reporting security issues if
+they did not exploit the issue beyond a proof-of-concept, and followed the
+above responsible disclosure practice.</p>
+</div>
+<div class="section" id="fees">
+<h2>Fees<a class="headerlink" href="#fees" title="Permalink to this
headline">¶</a></h2>
+<p>You agree to pay the fees for exchanges and withdrawals completed via the
+Taler Wallet (“Fees”) as defined by us, which we may change from time to
+time. With the exception of wire transfer fees, Taler transaction fees are set
+for any electronic coin at the time of withdrawal and fixed throughout the
+validity period of the respective electronic coin. Your wallet should obtain
+and display applicable fees when withdrawing funds. Fees for coins obtained as
+change may differ from the fees applicable to the original coin. Wire transfer
+fees that are independent from electronic coins may change annually. You
+authorize us to charge or deduct applicable fees owed in connection with
+deposits, exchanges and withdrawals following the rules of the Taler protocol.
+We reserve the right to provide different types of rewards to users either in
+the form of discount for our Services or in any other form at our discretion
+and without prior notice to you.</p>
+</div>
+<div class="section" id="eligibility-and-financial-self-responsibility">
+<h2>Eligibility and Financial self-responsibility<a class="headerlink"
href="#eligibility-and-financial-self-responsibility" title="Permalink to this
headline">¶</a></h2>
+<p>To be eligible to use our Services, you must be able to form legally binding
+contracts or have the permission of your legal guardian. By using our
+Services, you represent and warrant that you meet all eligibility requirements
+that we outline in these Terms.</p>
+<p>You will be responsible for maintaining the availability, integrity and
+confidentiality of the data stored in your wallet. When you setup a Taler
+Wallet, you are strongly advised to follow the precautionary measures offered
+by the software to minimize the chances to losse access to or control over
+your Wallet data. We will not be liable for any loss or damage arising from
+your failure to comply with this paragraph.</p>
+</div>
+<div class="section" id="copyrights-and-trademarks">
+<h2>Copyrights and trademarks<a class="headerlink"
href="#copyrights-and-trademarks" title="Permalink to this headline">¶</a></h2>
+<p>The Taler Wallet is released under the terms of the GNU General Public
License
+(GNU GPL). You have the right to access, use, and share the Taler Wallet, in
+modified or unmodified form. However, the GPL is a strong copyleft license,
+which means that any derivative works must be distributed under the same
+license terms as the original software. If you have any questions, you should
+review the GNU GPL’s full terms and conditions at
+<a class="reference external"
href="https://www.gnu.org/licenses/gpl-3.0.en.html";>https://www.gnu.org/licenses/gpl-3.0.en.html</a>.
“Taler” itself is a trademark
+of Taler Systems SA. You are welcome to use the name in relation to processing
+payments using the Taler protocol, assuming your use is compatible with an
+official release from the GNU Project that is not older than two years.</p>
+</div>
+<div class="section" id="limitation-of-liability-disclaimer-of-warranties">
+<h2>Limitation of liability & disclaimer of warranties<a
class="headerlink" href="#limitation-of-liability-disclaimer-of-warranties"
title="Permalink to this headline">¶</a></h2>
+<p>You understand and agree that we have no control over, and no duty to take
any
+action regarding: Failures, disruptions, errors, or delays in processing that
+you may experience while using our Services; The risk of failure of hardware,
+software, and Internet connections; The risk of malicious software being
+introduced or found in the software underlying the Taler Wallet; The risk that
+third parties may obtain unauthorized access to information stored within your
+Taler Wallet, including, but not limited to your Taler Wallet coins or backup
+encryption keys. You release us from all liability related to any losses,
+damages, or claims arising from:</p>
+<ol class="loweralpha simple">
+<li><p>user error such as forgotten passwords, incorrectly constructed
+transactions;</p></li>
+<li><p>server failure or data loss;</p></li>
+<li><p>unauthorized access to the Taler Wallet application;</p></li>
+<li><p>bugs or other errors in the Taler Wallet software; and</p></li>
+<li><p>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.</p></li>
+</ol>
+<p>Any other terms, conditions, warranties, or representations associated with
+such content, are solely between you and such organizations and/or
+individuals.</p>
+<p>To the fullest extent permitted by applicable law, in no event will we or
any
+of our officers, directors, representatives, agents, servants, counsel,
+employees, consultants, lawyers, and other personnel authorized to act,
+acting, or purporting to act on our behalf (collectively the “Taler Parties”)
+be liable to you under contract, tort, strict liability, negligence, or any
+other legal or equitable theory, for:</p>
+<ol class="loweralpha simple">
+<li><p>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:</p></li>
+</ol>
+<blockquote>
+<div><ol class="lowerroman simple">
+<li><p>your use of, or conduct in connection with, our services;</p></li>
+<li><p>any unauthorized use of your wallet and/or private key due to your
+failure to maintain the confidentiality of your wallet;</p></li>
+<li><p>any interruption or cessation of transmission to or from the services;
or</p></li>
+<li><p>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</p></li>
+</ol>
+</div></blockquote>
+<ol class="loweralpha simple" start="2">
+<li><p>any direct damages.</p></li>
+</ol>
+<p>These limitations apply regardless of legal theory, whether based on tort,
+strict liability, breach of contract, breach of warranty, or any other legal
+theory, and whether or not we were advised of the possibility of such
+damages. Some jurisdictions do not allow the exclusion or limitation of
+liability for consequential or incidental damages, so the above limitation may
+not apply to you.</p>
+<p>Our services are provided “as is” and without warranty of any kind. To the
+maximum extent permitted by law, we disclaim all representations and
+warranties, express or implied, relating to the services and underlying
+software or any content on the services, whether provided or owned by us or by
+any third party, including without limitation, warranties of merchantability,
+fitness for a particular purpose, title, non-infringement, freedom from
+computer virus, and any implied warranties arising from course of dealing,
+course of performance, or usage in trade, all of which are expressly
+disclaimed. In addition, we do not represent or warrant that the content
+accessible via the services is accurate, complete, available, current, free of
+viruses or other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer of
+implied warranties, so the foregoing disclaimers may not apply to you. This
+paragraph gives you specific legal rights and you may also have other legal
+rights that vary from state to state.</p>
+</div>
+<div class="section"
id="indemnity-and-time-limitation-on-claims-and-termination">
+<h2>Indemnity and Time limitation on claims and Termination<a
class="headerlink"
href="#indemnity-and-time-limitation-on-claims-and-termination"
title="Permalink to this headline">¶</a></h2>
+<p>To the extent permitted by applicable law, you agree to defend, indemnify,
and
+hold harmless the Taler Parties from and against any and all claims, damages,
+obligations, losses, liabilities, costs or debt, and expenses (including, but
+not limited to, attorney’s fees) arising from: (a) your use of and access to
+the Services; (b) any feedback or submissions you provide to us concerning the
+Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third
party.</p>
+<p>You agree that any claim you may have arising out of or related to your
+relationship with us must be filed within one year after such claim arises,
+otherwise, your claim in permanently barred.</p>
+<p>In the event of termination concerning your use of our Services, your
+obligations under this Agreement will still continue.</p>
+</div>
+<div class="section" id="discontinuance-of-services-and-force-majeure">
+<h2>Discontinuance of services and Force majeure<a class="headerlink"
href="#discontinuance-of-services-and-force-majeure" title="Permalink to this
headline">¶</a></h2>
+<p>We may, in our sole discretion and without cost to you, with or without
prior
+notice, and at any time, modify or discontinue, temporarily or permanently,
+any portion of our Services. We will use the Taler protocol’s provisions to
+notify Wallets if our Services are to be discontinued. It is your
+responsibility to ensure that the Taler Wallet is online at least once every
+three months to observe these notifications. We shall not be held responsible
+or liable for any loss of funds in the event that we discontinue or depreciate
+the Services and your Taler Wallet fails to transfer out the coins within a
+three months notification period.</p>
+<p>We shall not be held liable for any delays, failure in performance, or
+interruptions of service which result directly or indirectly from any cause or
+condition beyond our reasonable control, including but not limited to: any
+delay or failure due to any act of God, act of civil or military authorities,
+act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
+interruption in telecommunications or Internet services or network provider
+services, failure of equipment and/or software, other catastrophe, or any
+other occurrence which is beyond our reasonable control and shall not affect
+the validity and enforceability of any remaining provisions.</p>
+</div>
+<div class="section" id="governing-law-waivers-severability-and-assignment">
+<h2>Governing law, Waivers, Severability and Assignment<a class="headerlink"
href="#governing-law-waivers-severability-and-assignment" title="Permalink to
this headline">¶</a></h2>
+<p>No matter where you’re located, the laws of Switzerland will govern these
+Terms. If any provisions of these Terms are inconsistent with any applicable
+law, those provisions will be superseded or modified only to the extent such
+provisions are inconsistent. The parties agree to submit to the ordinary
+courts in Bern, Switzerland for exclusive jurisdiction of any dispute
+arising out of or related to your use of the Services or your breach of these
+Terms.</p>
+<p>Our failure to exercise or delay in exercising any right, power, or
privilege
+under this Agreement shall not operate as a waiver; nor shall any single or
+partial exercise of any right, power, or privilege preclude any other or
+further exercise thereof.</p>
+<p>You agree that we may assign any of our rights and/or transfer,
sub-contract,
+or delegate any of our obligations under these Terms.</p>
+<p>If it turns out that any part of this Agreement is invalid, void, or for any
+reason unenforceable, that term will be deemed severable and limited or
+eliminated to the minimum extent necessary.</p>
+<p>This Agreement sets forth the entire understanding and agreement as to the
+subject matter hereof and supersedes any and all prior discussions,
+agreements, and understandings of any kind (including, without limitation, any
+prior versions of this Agreement) and every nature between us. Except as
+provided for above, any modification to this Agreement must be in writing and
+must be signed by both parties.</p>
+</div>
+<div class="section" id="questions-or-comments">
+<h2>Questions or comments<a class="headerlink" href="#questions-or-comments"
title="Permalink to this headline">¶</a></h2>
+<p>We welcome comments, questions, concerns, or suggestions. Please send us a
+message on our contact page at <a class="reference external"
href="mailto:legal%40taler-systems.com";>legal<span>@</span>taler-systems<span>.</span>com</a>.</p>
+</div>
+</div>
+
+
+ <div class="clearer"></div>
+ </div>
+ </div>
+ </div>
+ <div class="clearer"></div>
+ </div>
+ </body>
+</html>
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+Terms Of Service
+****************
+
+Last Updated: 09.06.2022
+
+Welcome! The ICE research center of the Bern University of Applied
+Sciences in Switzerland (“we,” “our,” or “us”) provides an
+experimental payment service through our Internet presence
+(collectively the “Services”). Before using our Services, please read
+the Terms of Service (the “Terms” or the “Agreement”) carefully.
+
+
+This is research
+================
+
+This is a research experiment. Any funds wired to our Bitcoin address
+are considered a donation to our research group. We may use them to
+enable payments following the GNU Taler protocol, or simply keep them
+at our discretion. The service is experimental and may also be
+discontinued at any time, in which case all remaining funds will
+definitively be kept by the research group.
+
+
+Overview
+========
+
+This section provides a brief summary of the highlights of this
+Agreement. Please note that when you accept this Agreement, you are
+accepting all of the terms and conditions and not just this section.
+We and possibly other third parties provide Internet services which
+interact with the Taler Wallet’s self-hosted personal payment
+application. When using the Taler Wallet to interact with our
+Services, you are agreeing to our Terms, so please read carefully.
+
+
+Highlights:
+-----------
+
+ * You are responsible for keeping the data in your Taler Wallet at
+ all times under your control. Any losses arising from you not
+ being in control of your private information are your problem.
+
+ * We may transfer funds we receive from our users to any legal
+ recipient to the best of our ability within the limitations of
+ the law and our implementation. However, the Services offered
+ today are highly experimental and the set of recipients of funds
+ is severely restricted. Again, we stress this is a research
+ experiment and technically all funds held by the exchange are
+ owned by the research group of the university.
+
+ * For our Services, we may charge transaction fees. The specific
+ fee structure is provided based on the Taler protocol and should
+ be shown to you when you withdraw electronic coins using a Taler
+ Wallet. You agree and understand that the Taler protocol allows
+ for the fee structure to change.
+
+ * You agree to not intentionally overwhelm our systems with
+ requests and follow responsible disclosure if you find security
+ issues in our services.
+
+ * We cannot be held accountable for our Services not being
+ available due to any circumstances. If we modify or terminate our
+ services, we may give you the opportunity to recover your funds.
+ However, given the experimental state of the Services today, this
+ may not be possible. You are strongly advised to limit your use
+ of the Service to small-scale experiments expecting total loss of
+ all funds.
+
+These terms outline approved uses of our Services. The Services and
+these Terms are still at an experimental stage. If you have any
+questions or comments related to this Agreement, please send us a
+message to ice@bfh.ch. If you do not agree to this Agreement, you must
+not use our Services.
+
+
+How you accept this policy
+==========================
+
+By sending funds to us (to top-up your Taler Wallet), you acknowledge
+that you have read, understood, and agreed to these Terms. We reserve
+the right to change these Terms at any time. If you disagree with the
+change, we may in the future offer you with an easy option to recover
+your unspent funds. However, in the current experimental period you
+acknowledge that this feature is not yet available, resulting in your
+funds being lost unless you accept the new Terms. If you continue to
+use our Services other than to recover your unspent funds, your
+continued use of our Services following any such change will signify
+your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes
+since you have last reviewed these Terms.
+
+
+Services
+========
+
+We will try to transfer funds that we receive from users to any legal
+recipient to the best of our ability and within the limitations of the
+law. However, the Services offered today are highly experimental and
+the set of recipients of funds is severely restricted. The Taler
+Wallet can be loaded by exchanging fiat or cryptocurrencies against
+electronic coins. We are providing this exchange service. Once your
+Taler Wallet is loaded with electronic coins they can be spent for
+purchases if the seller is accepting Taler as a means of payment. We
+are not guaranteeing that any seller is accepting Taler at all or a
+particular seller. The seller or recipient of deposits of electronic
+coins must specify the target account, as per the design of the Taler
+protocol. They are responsible for following the protocol and
+specifying the correct bank account, and are solely liable for any
+losses that may arise from specifying the wrong account. We may allow
+the government to link wire transfers to the underlying contract hash.
+It is the responsibility of recipients to preserve the full contracts
+and to pay whatever taxes and charges may be applicable. Technical
+issues may lead to situations where we are unable to make transfers at
+all or lead to incorrect transfers that cannot be reversed. We may
+refuse to execute transfers if the transfers are prohibited by a
+competent legal authority and we are ordered to do so.
+
+When using our Services, you agree to not take any action that
+intentionally imposes an unreasonable load on our infrastructure. If
+you find security problems in our Services, you agree to first report
+them to security@taler-systems.com and grant us the right to publish
+your report. We warrant that we will ourselves publicly disclose any
+issues reported within 3 months, and that we will not prosecute anyone
+reporting security issues if they did not exploit the issue beyond a
+proof-of-concept, and followed the above responsible disclosure
+practice.
+
+
+Fees
+====
+
+You agree to pay the fees for exchanges and withdrawals completed via
+the Taler Wallet ("Fees") as defined by us, which we may change from
+time to time. With the exception of wire transfer fees, Taler
+transaction fees are set for any electronic coin at the time of
+withdrawal and fixed throughout the validity period of the respective
+electronic coin. Your wallet should obtain and display applicable fees
+when withdrawing funds. Fees for coins obtained as change may differ
+from the fees applicable to the original coin. Wire transfer fees that
+are independent from electronic coins may change annually. You
+authorize us to charge or deduct applicable fees owed in connection
+with deposits, exchanges and withdrawals following the rules of the
+Taler protocol. We reserve the right to provide different types of
+rewards to users either in the form of discount for our Services or in
+any other form at our discretion and without prior notice to you.
+
+
+Eligibility and Financial self-responsibility
+=============================================
+
+To be eligible to use our Services, you must be able to form legally
+binding contracts or have the permission of your legal guardian. By
+using our Services, you represent and warrant that you meet all
+eligibility requirements that we outline in these Terms.
+
+You will be responsible for maintaining the availability, integrity
+and confidentiality of the data stored in your wallet. When you setup
+a Taler Wallet, you are strongly advised to follow the precautionary
+measures offered by the software to minimize the chances to 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.
+
+
+Limitation of liability & disclaimer of warranties
+==================================================
+
+You understand and agree that we have no control over, and no duty to
+take any action regarding: Failures, disruptions, errors, or delays in
+processing that you may experience while using our Services; The risk
+of failure of hardware, software, and Internet connections; The risk
+of malicious software being introduced or found in the software
+underlying the Taler Wallet; The risk that third parties may obtain
+unauthorized access to information stored within your Taler Wallet,
+including, but not limited to your Taler Wallet coins or backup
+encryption keys. You release us from all liability related to any
+losses, damages, or claims arising from:
+
+1. user error such as forgotten passwords, incorrectly constructed
+ transactions;
+
+2. server failure or data loss;
+
+3. unauthorized access to the Taler Wallet application;
+
+4. bugs or other errors in the Taler Wallet software; and
+
+5. any unauthorized third party activities, including, but not limited
+ to, the use of viruses, phishing, brute forcing, or other means of
+ attack against the Taler Wallet. We make no representations
+ concerning any Third Party Content contained in or accessed through
+ our Services.
+
+Any other terms, conditions, warranties, or representations associated
+with such content, are solely between you and such organizations
+and/or individuals.
+
+To the fullest extent permitted by applicable law, in no event will we
+or any of our officers, directors, representatives, agents, servants,
+counsel, employees, consultants, lawyers, and other personnel
+authorized to act, acting, or purporting to act on our behalf
+(collectively the “Taler Parties”) be liable to you under contract,
+tort, strict liability, negligence, or any other legal or equitable
+theory, for:
+
+1. any 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.
+
+Our services are provided "as is" and without warranty of any kind. To
+the maximum extent permitted by law, we disclaim all representations
+and warranties, express or implied, relating to the services and
+underlying software or any content on the services, whether provided
+or owned by us or by any third party, including without limitation,
+warranties of merchantability, fitness for a particular purpose,
+title, non-infringement, freedom from computer virus, and any implied
+warranties arising from course of dealing, course of performance, or
+usage in trade, all of which are expressly disclaimed. In addition, we
+do not represent or warrant that the content accessible via the
+services is accurate, complete, available, current, free of viruses or
+other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer
+of implied warranties, so the foregoing disclaimers may not apply to
+you. This paragraph gives you specific legal rights and you may also
+have other legal rights that vary from state to state.
+
+
+Indemnity and Time limitation on claims and Termination
+=======================================================
+
+To the extent permitted by applicable law, you agree to defend,
+indemnify, and hold harmless the Taler Parties from and against any
+and all claims, damages, obligations, losses, liabilities, costs or
+debt, and expenses (including, but not limited to, attorney’s fees)
+arising from: (a) your use of and access to the Services; (b) any
+feedback or submissions you provide to us concerning the Taler Wallet;
+(c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third
+party.
+
+You agree that any claim you may have arising out of or related to
+your relationship with us must be filed within one year after such
+claim arises, otherwise, your claim in permanently barred.
+
+In the event of termination concerning your use of our Services, your
+obligations under this Agreement will still continue.
+
+
+Discontinuance of services and Force majeure
+============================================
+
+We may, in our sole discretion and without cost to you, with or
+without prior notice, and at any time, modify or discontinue,
+temporarily or permanently, any portion of our Services. We will use
+the Taler protocol’s provisions to notify Wallets if our Services are
+to be discontinued. It is your responsibility to ensure that the Taler
+Wallet is online at least once every three months to observe these
+notifications. We shall not be held responsible or liable for any loss
+of funds in the event that we discontinue or depreciate the Services
+and your Taler Wallet fails to transfer out the coins within a three
+months notification period.
+
+We shall not be held liable for any delays, failure in performance, or
+interruptions of service which result directly or indirectly from any
+cause or condition beyond our reasonable control, including but not
+limited to: any delay or failure due to any act of God, act of civil
+or military authorities, act of terrorism, civil disturbance, war,
+strike or other labor dispute, fire, interruption in
+telecommunications or Internet services or network provider services,
+failure of equipment and/or software, other catastrophe, or any other
+occurrence which is beyond our reasonable control and shall not affect
+the validity and enforceability of any remaining provisions.
+
+
+Governing law, Waivers, Severability and Assignment
+===================================================
+
+No matter where you’re located, the laws of Switzerland will govern
+these Terms. If any provisions of these Terms are inconsistent with
+any applicable law, those provisions will be superseded or modified
+only to the extent such provisions are inconsistent. The parties agree
+to submit to the ordinary courts in Bern, Switzerland for exclusive
+jurisdiction of any dispute arising out of or related to your use of
+the Services or your breach of these Terms.
+
+Our failure to exercise or delay in exercising any right, power, or
+privilege under this Agreement shall not operate as a waiver; nor
+shall any single or partial exercise of any right, power, or privilege
+preclude any other or further exercise thereof.
+
+You agree that we may assign any of our rights and/or transfer, sub-
+contract, or delegate any of our obligations under these Terms.
+
+If it turns out that any part of this Agreement is invalid, void, or
+for any reason unenforceable, that term will be deemed severable and
+limited or eliminated to the minimum extent necessary.
+
+This Agreement sets forth the entire understanding and agreement as to
+the subject matter hereof and supersedes any and all prior
+discussions, agreements, and understandings of any kind (including,
+without limitation, any prior versions of this Agreement) and every
+nature between us. Except as provided for above, any modification to
+this Agreement must be in writing and must be signed by both parties.
+
+
+Questions or comments
+=====================
+
+We welcome comments, questions, concerns, or suggestions. Please send
+us a message on our contact page at legal@taler-systems.com.
diff --git a/contrib/tos/en/bfh.xml b/contrib/tos/en/bfh.xml
new file mode 100644
index 00000000..5b0eddd0
--- /dev/null
+++ b/contrib/tos/en/bfh.xml
@@ -0,0 +1,323 @@
+<?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 0.16 -->
+<document source="/research/taler/exchange/contrib/tos/bfh.rst">
+ <section ids="terms-of-service" names="terms\ of\ service">
+ <title>Terms Of Service</title>
+ <paragraph>Last Updated: 09.06.2022</paragraph>
+ <paragraph>Welcome! The ICE research center of the Bern University of
Applied Sciences
+ in Switzerland (“we,” “our,” or “us”) provides an experimental
payment service
+ through our Internet presence (collectively the “Services”).
Before using our
+ Services, please read the Terms of Service (the “Terms” or the
“Agreement”)
+ carefully.</paragraph>
+ <section ids="this-is-research" names="this\ is\ research">
+ <title>This is research</title>
+ <paragraph>This is a research experiment. Any funds wired to our
Bitcoin address are
+ considered a donation to our research group. We may use them
to enable
+ payments following the GNU Taler protocol, or simply keep them
at our
+ discretion. The service is experimental and may also be
discontinued at
+ any time, in which case all remaining funds will definitively
be kept by
+ the research group.</paragraph>
+ </section>
+ <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 may transfer funds we receive from
our users to any legal
+ recipient to the best of our ability within
the limitations of the law and
+ our implementation. However, the Services
offered today are highly
+ experimental and the set of recipients of
funds is severely restricted.
+ Again, we stress this is a research experiment
and technically all funds
+ held by the exchange are owned by the research
group of the university.</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
+ any circumstances. If we modify or terminate
our services,
+ we may give you the opportunity to recover
your funds. However,
+ given the experimental state of the Services
today, this may not be
+ possible. You are strongly advised to limit
your use of the Service
+ to small-scale experiments expecting total
loss of all funds.</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:ice@bfh.ch";>ice@bfh.ch</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 receive from
users to any legal
+ recipient to the best of our ability and within the
limitations of the
+ law. However, the Services offered today are highly
experimental and the set
+ of recipients of funds is severely restricted. The Taler
Wallet can be loaded
+ by exchanging fiat or cryptocurrencies against electronic
coins. We are
+ providing this exchange service. Once your Taler Wallet is
loaded with
+ electronic coins they can be spent for purchases if the seller
is accepting
+ Taler as a means of payment. We are not guaranteeing that any
seller is
+ accepting Taler at all or a particular seller. The seller or
recipient of
+ deposits of electronic coins must specify the target account,
as per the
+ design of the Taler protocol. They are responsible for
following the protocol
+ and specifying the correct bank account, and are solely liable
for any losses
+ that may arise from specifying the wrong account. We may allow
the government
+ to link wire transfers to the underlying contract hash. It is
the
+ responsibility of recipients to preserve the full contracts
and to pay
+ whatever taxes and charges may be applicable. Technical issues
may lead to
+ situations where we are unable to make transfers at all or
lead to incorrect
+ transfers that cannot be reversed. We may refuse to execute
transfers if the
+ transfers are prohibited by a competent legal authority and we
are ordered to
+ do so.</paragraph>
+ <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="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-and-financial-self-responsibility"
names="eligibility\ and\ financial\ self-responsibility">
+ <title>Eligibility and Financial self-responsibility</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>
+ <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="limitation-of-liability-disclaimer-of-warranties"
names="limitation\ of\ liability\ &\ disclaimer\ of\ warranties">
+ <title>Limitation of liability & 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>
+ <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>
+ <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-and-time-limitation-on-claims-and-termination"
names="indemnity\ and\ time\ limitation\ on\ claims\ and\ termination">
+ <title>Indemnity and Time limitation on claims and
Termination</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>
+ <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>
+ <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-and-force-majeure"
names="discontinuance\ of\ services\ and\ force\ majeure">
+ <title>Discontinuance of services and Force majeure</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>
+ <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="governing-law-waivers-severability-and-assignment"
names="governing\ law,\ waivers,\ severability\ and\ assignment">
+ <title>Governing law, Waivers, Severability and Assignment</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 Bern, Switzerland for exclusive jurisdiction of any
dispute
+ arising out of or related to your use of the Services or your
breach of these
+ Terms.</paragraph>
+ <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>
+ <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>
+ <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>
+ <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>
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