diff --git a/contrib/pp/en/pp-v0.epub b/contrib/pp/en/pp-v0.epub index b564671b8..2827fcbee 100644 Binary files a/contrib/pp/en/pp-v0.epub and b/contrib/pp/en/pp-v0.epub differ diff --git a/contrib/pp/en/pp-v0.html b/contrib/pp/en/pp-v0.html index e248db2e0..57b942607 100644 --- a/contrib/pp/en/pp-v0.html +++ b/contrib/pp/en/pp-v0.html @@ -202,4 +202,4 @@ privacy practices that are not addressed in this Privacy Statement.

- \ No newline at end of file + \ No newline at end of file diff --git a/contrib/pp/en/pp-v0.md b/contrib/pp/en/pp-v0.md new file mode 100644 index 000000000..d6e42faf6 --- /dev/null +++ b/contrib/pp/en/pp-v0.md @@ -0,0 +1,237 @@ +Privacy Policy +************** + +Last Updated: 11.12.2019 + +This Privacy Policy describes the policies and procedures of Taler +Systems SA (“we,” “our,” or “us”) pertaining to the collection, use, +and disclosure of your information on our sites and related mobile +applications and products we offer (the “Services” or “Taler Wallet”). +This Privacy Statement applies to your personal data when you use our +Services, and does not apply to online websites or services that we do +not own or control. + + +Overview +======== + +Your privacy is important to us. We follow a few fundamental +principles: We don’t ask you for personally identifiable information +(defined below). That being said, your contact information, such as +your phone number, social media handle, or email address (depending on +how you contact us), may be collected when you communicate with us, +for example to report a bug or other error related to the Taler +Wallet. We don’t share your information with third parties except when +strictly required to deliver you our Services and products, or to +comply with the law. If you have any questions or concerns about this +policy, please reach out to us at privacy@taler-systems.net. + + +How you accept this policy +========================== + +By using our Services or visiting our sites, you agree to the use, +disclosure, and procedures outlined in this Privacy Policy. + + +What personal information do we collect from our users? +======================================================= + +The information we collect from you falls into two categories: (i) +personally identifiable information (i.e., data that could potentially +identify you as an individual) (“Personal Information”), and (ii) non- +personally identifiable information (i.e., information that cannot be +used to identify who you are) (“Non-Personal Information”). This +Privacy Policy covers both categories and will tell you how we might +collect and use each type. + +We do our best to not collect any Personal Information from Taler +Wallet users. We believe that the Taler Wallet never transmits +personal information to our services without at least clear implied +consent, and we only process and retain information with a strict +business need. That being said, when using our Services, we inherently +have to collect the following information: + + * Bank account details necessary when receiving funds from you to + top-up your wallet or to transfer funds to you when you are being + paid via Taler. At the current experimental stage, only the + pseudonym and password you entered in the bank demonstrator is + stored. + + * The amounts being withdrawn or deposited, with associated unique + transaction identifiers and cryptographic signatures authorizing + the transaction. Note that for purchases, we cannot identify the + buyer from the collected data, so when you spend money, we only + receive non-personal information. + + * When you contact us. We may collect certain information if you + choose to contact us, for example to report a bug or other error + with the Taler Wallet. This may include contact information such + as your name, email address or phone number depending on the + method you choose to contact us. + + +How we collect and process information +====================================== + +We may process your information for the following reasons: + + * to transfer money as specified by our users (Taler transactions); + + * to assist government entities in linking income to the underlying + contract as required by law and local regulations + + * to support you using the Taler Wallet or to improve our Services + + +How we share and use the information we gather +============================================== + +We may share your Personal Data or other information about you only if +you are a merchant receiving income, with your bank, to the degree +necessary to execute the payment. + +We retain Personal Data to transfer funds to the accounts designated +by our users. We may retain Personal Data only for as long as mandated +by law and required for the wire transfers. + +We primarily use the limited information we receive directly from you +to enhance the Taler Wallet. Some ways we may use your Personal +Information are to: Contact you when necessary to respond to your +comments, answer your questions, or obtain additional information on +issues related to bugs or errors with the Taler Wallet that you +reported. + + +Agents or third party partners +============================== + +We may provide your Personal Information to our employees, +contractors, agents, service providers, and designees (“Agents”) to +enable them to perform certain services for us exclusively, including: +improvement and maintenance of our software and Services. + + +Protection of us and others +=========================== + +We reserve the right to access, read, preserve, and disclose any +information that we reasonably believe is necessary to comply with the +law or a court order. + + +What personal information can I access or change? +================================================= + +You can request access to the information we have collected from you. +You can do this by contacting us at privacy@taler-systems.net. We will +make sure to provide you with a copy of the data we process about you. +To comply with your request, we may ask you to verify your identity. +We will fulfill your request by sending your copy electronically. For +any subsequent access request, we may charge you with an +administrative fee. If you believe that the information we have +collected is incorrect, you are welcome to contact us so we can update +it and keep your data accurate. Any data that is no longer needed for +purposes specified in the “How We Use the Information We Gather” +section will be deleted after ninety (90) days. + + +What are your data protection rights? +===================================== + +Anastasis would like to make sure you are fully aware of all of your +data protection rights. Every user is entitled to the following: + +**The right to access**: You have the right to request Anastasis for + copies of your personal data. We may charge you a small fee for + this service. + +**The right to rectification**: You have the right to request that +Anastasis correct any information you believe is inaccurate. You also +have the right to request Anastasis to complete information you +believe is incomplete. The right to erasure - You have the right to +request that Anastasis erase your personal data, under certain +conditions. + +**The right to restrict processing**: You have the right to request + that Anastasis restrict the processing of your personal data, under + certain conditions. + +**The right to object to processing**: You have the right to object to + Anastasis's processing of your personal data, under certain + conditions. + +**The right to data portability**: You have the right to request that + Anastasis transfer the data that we have collected to another + organization, or directly to you, under certain conditions. + +If you make a request, we have one month to respond to you. If you +would like to exercise any of these rights, please contact us at our +email: privacy@taler-systems.com + +You can always contact your local data protection authority to enforce +your rights. + + +Data retention +============== + +If you uninstall the Taler Wallet mobile applications from your +device, or request that your information be deleted, we still may +retain some information that you have provided to us to maintain the +Taler Wallet or to comply with relevant laws. + + +Data security +============= + +We are committed to making sure your information is protected. We +employ several physical and electronic safeguards to keep your +information safe, including encrypted user passwords, two factor +verification and authentication on passwords where possible, and +securing connections with industry standard transport layer security. +You are also welcome to contact us using GnuPG encrypted e-mail. Even +with all these precautions, we cannot fully guarantee against the +access, disclosure, alteration, or deletion of data through events, +including but not limited to hardware or software failure or +unauthorized use. Any information that you provide to us is done so +entirely at your own risk. + + +Changes and updates to privacy policy +===================================== + +We reserve the right to update and revise this privacy policy at any +time. We occasionally review this Privacy Policy to make sure it +complies with applicable laws and conforms to changes in our business. +We may need to update this Privacy Policy, and we reserve the right to +do so at any time. If we do revise this Privacy Policy, we will update +the “Effective Date” at the bottom of this page so that you can tell +if it has changed since your last visit. As we generally do not +collect contact information and also do not track your visits, we will +not be able to notify you directly. However, the Taler Wallet may +inform you about a change in the privacy policy once it detects that +the policy has changed. Please review this Privacy Policy regularly to +ensure that you are aware of its terms. Any use of our Services after +an amendment to our Privacy Policy constitutes your acceptance to the +revised or amended agreement. + + +International users and visitors +================================ + +Our Services are hosted in Switzerland. If you are a user accessing +the Services from the European Union, Asia, US, or any other region +with laws or regulations governing personal data collection, use, and +disclosure that differ from Swiss laws, please be advised that through +your continued use of the Services, which is governed by Swiss law, +you are transferring your Personal Information to Switzerland and you +consent to that transfer. + + +Questions +========= + +Please contact us at privacy@taler-systems.net if you have questions +about our privacy practices that are not addressed in this Privacy +Statement. diff --git a/contrib/pp/en/pp-v0.pdf b/contrib/pp/en/pp-v0.pdf index 67f5b71b0..eab50dee7 100644 Binary files a/contrib/pp/en/pp-v0.pdf and b/contrib/pp/en/pp-v0.pdf differ diff --git a/contrib/tos/en/tos-v0.epub b/contrib/tos/en/tos-v0.epub index 11461a615..af588b180 100644 Binary files a/contrib/tos/en/tos-v0.epub and b/contrib/tos/en/tos-v0.epub differ diff --git a/contrib/tos/en/tos-v0.html b/contrib/tos/en/tos-v0.html index 224eabc2c..9693e60e6 100644 --- a/contrib/tos/en/tos-v0.html +++ b/contrib/tos/en/tos-v0.html @@ -5,7 +5,7 @@ Terms Of Service — Taler Exchange Terms of Service - + @@ -295,4 +295,4 @@ message on our contact page at - \ No newline at end of file + \ No newline at end of file diff --git a/contrib/tos/en/tos-v0.md b/contrib/tos/en/tos-v0.md new file mode 100644 index 000000000..c124d70ee --- /dev/null +++ b/contrib/tos/en/tos-v0.md @@ -0,0 +1,337 @@ +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. + +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 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. + +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/tos-v0.pdf b/contrib/tos/en/tos-v0.pdf index 0091da7bf..9bce47031 100644 Binary files a/contrib/tos/en/tos-v0.pdf and b/contrib/tos/en/tos-v0.pdf differ