tag

contrib/tos/bfh.rst

@@ -0,0 +1,310 @@
+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:
+
+(a) user error such as forgotten passwords, incorrectly constructed
+    transactions;
+(b) server failure or data loss;
+(c) unauthorized access to the Taler Wallet application;
+(d) bugs or other errors in the Taler Wallet software; and
+(e) 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:
+
+(a) 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:
+
+  (i) your use of, or conduct in connection with, our services;
+  (ii) any unauthorized use of your wallet and/or private key due to your
+       failure to maintain the confidentiality of your wallet;
+  (iii) any interruption or cessation of transmission to or from the services; or
+  (iv) 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
+
+(b) 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.

contrib/tos/en/0.html

@@ -20,11 +20,21 @@
             
   <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: 12.4.2019</p>
+<p>Last Updated: 09.06.2022</p>
-<p>Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+<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
@@ -41,10 +51,12 @@ carefully.</p>
 <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 will try to transfer funds we hold in escrow for our users to any legal
+<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.</p></li>
+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
@@ -52,8 +64,8 @@ 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
-circumstances beyond our control. If we modify or terminate our services,
+any circumstances. If we modify or terminate our services,
-we will try to give you the opportunity to recover your funds. However,
+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>
@@ -62,7 +74,7 @@ to small-scale experiments expecting total loss of all funds.</p></li>
 <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:legal&#37;&#52;&#48;taler-systems&#46;com">legal<span>&#64;</span>taler-systems<span>&#46;</span>com</a>. If you do not agree to this Agreement, you must not
+<a class="reference external" href="mailto:ice&#37;&#52;&#48;bfh&#46;ch">ice<span>&#64;</span>bfh<span>&#46;</span>ch</a>. If you do not agree to this Agreement, you must not
 use our Services.</p>
 </div>
 </div>
@@ -82,26 +94,26 @@ 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 hold in escrow for our users to any
+<p>We will try to transfer funds that we receive from users to any legal
-legal recipient to the best of our ability and within the limitations of the
+recipient to the best of our ability and within the limitations of the
-law and our implementation. However, the Services offered today are highly
+law. However, the Services offered today are highly experimental and the set
-experimental and the set of recipients of funds is severely restricted.  The
+of recipients of funds is severely restricted.  The Taler Wallet can be loaded
-Taler Wallet can be loaded by exchanging fiat currencies against electronic
+by exchanging fiat or cryptocurrencies against electronic coins. We are
-coins. We are providing this exchange service. Once your Taler Wallet is
+providing this exchange service. Once your Taler Wallet is loaded with
-loaded with electronic coins they can be spent for purchases if the seller is
+electronic coins they can be spent for purchases if the seller is accepting
-accepting Taler as a means of payment. We are not guaranteeing that any seller
+Taler as a means of payment. We are not guaranteeing that any seller is
-is accepting Taler at all or a particular seller.  The seller or recipient of
+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
+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 will only refuse to execute transfers if
+transfers that cannot be reversed. We may refuse to execute transfers if the
-the transfers are prohibited by a competent legal authority and we are ordered
+transfers are prohibited by a competent legal authority and we are ordered to
-to do so.</p>
+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
@@ -267,7 +279,7 @@ the validity and enforceability of any remaining provisions.</p>
 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
+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

contrib/tos/en/0.txt

@@ -1,12 +1,24 @@
 Terms Of Service
 ****************
 
-Last Updated: 12.4.2019
+Last Updated: 09.06.2022
 
-Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment
+Welcome! The ICE research center of the Bern University of Applied
-service through our Internet presence (collectively the “Services”).
+Sciences in Switzerland (“we,” “our,” or “us”) provides an
-Before using our Services, please read the Terms of Service (the
+experimental payment service through our Internet presence
-“Terms” or the “Agreement”) carefully.
+(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
@@ -28,11 +40,13 @@ Highlights:
      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
+   * We may transfer funds we receive from our users to any legal
-     any legal recipient to the best of our ability within the
+     recipient to the best of our ability within the limitations of
-     limitations of the law and our implementation. However, the
+     the law and our implementation. However, the Services offered
-     Services offered today are highly experimental and the set of
+     today are highly experimental and the set of recipients of funds
-     recipients of funds is severely restricted.
+     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
@@ -45,19 +59,18 @@ Highlights:
      issues in our services.
 
    * We cannot be held accountable for our Services not being
-     available due to circumstances beyond our control. If we modify
+     available due to any circumstances. If we modify or terminate our
-     or terminate our services, we will try to give you the
+     services, we may give you the opportunity to recover your funds.
-     opportunity to recover your funds. However, given the
+     However, given the experimental state of the Services today, this
-     experimental state of the Services today, this may not be
+     may not be possible. You are strongly advised to limit your use
-     possible. You are strongly advised to limit your use of the
+     of the Service to small-scale experiments expecting total loss of
-     Service to small-scale experiments expecting total loss of all
+     all funds.
-     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
+message to ice@bfh.ch. If you do not agree to this Agreement, you must
-Agreement, you must not use our Services.
+not use our Services.
 
 
 How you accept this policy
@@ -80,26 +93,25 @@ since you have last reviewed these Terms.
 Services
 ========
 
-We will try to transfer funds that we hold in escrow for our users to
+We will try to transfer funds that we receive from users to any legal
-any legal recipient to the best of our ability and within the
+recipient to the best of our ability and within the limitations of the
-limitations of the law and our implementation. However, the Services
+law. However, the Services offered today are highly experimental and
-offered today are highly experimental and the set of recipients of
+the set of recipients of funds is severely restricted.  The Taler
-funds is severely restricted.  The Taler Wallet can be loaded by
+Wallet can be loaded by exchanging fiat or cryptocurrencies against
-exchanging fiat currencies against electronic coins. We are providing
+electronic coins. We are providing this exchange service. Once your
-this exchange service. Once your Taler Wallet is loaded with
+Taler Wallet is loaded with electronic coins they can be spent for
-electronic coins they can be spent for purchases if the seller is
+purchases if the seller is accepting Taler as a means of payment. We
-accepting Taler as a means of payment. We are not guaranteeing that
+are not guaranteeing that any seller is accepting Taler at all or a
-any seller is accepting Taler at all or a particular seller.  The
+particular seller.  The seller or recipient of deposits of electronic
-seller or recipient of deposits of electronic coins must specify the
+coins must specify the target account, as per the design of the Taler
-target account, as per the design of the Taler protocol. They are
+protocol. They are responsible for following the protocol and
-responsible for following the protocol and specifying the correct bank
+specifying the correct bank account, and are solely liable for any
-account, and are solely liable for any losses that may arise from
+losses that may arise from specifying the wrong account. We may allow
-specifying the wrong account. We will allow the government to link
+the government to link wire transfers to the underlying contract hash.
-wire transfers to the underlying contract hash. It is the
+It is the responsibility of recipients to preserve the full contracts
-responsibility of recipients to preserve the full contracts and to pay
+and to pay whatever taxes and charges may be applicable. Technical
-whatever taxes and charges may be applicable. Technical issues may
+issues may lead to situations where we are unable to make transfers at
-lead to situations where we are unable to make transfers at all or
+all or lead to incorrect transfers that cannot be reversed. We may
-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.
 
@@ -306,7 +318,7 @@ 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
+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.
 

contrib/tos/en/0.xml

@@ -1,14 +1,24 @@
 <?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/tos.rst">
+<document source="/home/grothoff/research/taler/exchange/contrib/tos/tos.rst">
     <section ids="terms-of-service" names="terms\ of\ service">
         <title>Terms Of Service</title>
-        <paragraph>Last Updated: 12.4.2019</paragraph>
+        <paragraph>Last Updated: 09.06.2022</paragraph>
-        <paragraph>Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+        <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
@@ -28,10 +38,12 @@
                                 your private information are your problem.</paragraph>
                         </list_item>
                         <list_item>
-                            <paragraph>We will try to transfer funds we hold in escrow for our users to any legal
+                            <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.</paragraph>
+                                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
@@ -45,8 +57,8 @@
                         </list_item>
                         <list_item>
                             <paragraph>We cannot be held accountable for our Services not being available due to
-                                circumstances beyond our control. If we modify or terminate our services,
+                                any circumstances. If we modify or terminate our services,
-                                we will try to give you the opportunity to recover your funds. However,
+                                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>
@@ -56,7 +68,7 @@
                 <paragraph>These terms outline approved uses of our Services. The Services and these
                     Terms are still at an experimental stage. If you have any questions or
                     comments related to this Agreement, please send us a message to
-                    <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>. If you do not agree to this Agreement, you must not
+                    <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>
@@ -76,26 +88,26 @@
         </section>
         <section ids="services" names="services">
             <title>Services</title>
-            <paragraph>We will try to transfer funds that we hold in escrow for our users to any
+            <paragraph>We will try to transfer funds that we receive from users to any legal
-                legal recipient to the best of our ability and within the limitations of the
+                recipient to the best of our ability and within the limitations of the
-                law and our implementation. However, the Services offered today are highly
+                law. However, the Services offered today are highly experimental and the set
-                experimental and the set of recipients of funds is severely restricted.  The
+                of recipients of funds is severely restricted.  The Taler Wallet can be loaded
-                Taler Wallet can be loaded by exchanging fiat currencies against electronic
+                by exchanging fiat or cryptocurrencies against electronic coins. We are
-                coins. We are providing this exchange service. Once your Taler Wallet is
+                providing this exchange service. Once your Taler Wallet is loaded with
-                loaded with electronic coins they can be spent for purchases if the seller is
+                electronic coins they can be spent for purchases if the seller is accepting
-                accepting Taler as a means of payment. We are not guaranteeing that any seller
+                Taler as a means of payment. We are not guaranteeing that any seller is
-                is accepting Taler at all or a particular seller.  The seller or recipient of
+                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
+                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 will only refuse to execute transfers if
+                transfers that cannot be reversed. We may refuse to execute transfers if the
-                the transfers are prohibited by a competent legal authority and we are ordered
+                transfers are prohibited by a competent legal authority and we are ordered to
-                to do so.</paragraph>
+                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
@@ -283,7 +295,7 @@
                 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
+                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

src/exchangedb/Makefile.am

@@ -22,6 +22,7 @@ sql_DATA = \
   shard-0000.sql \
   shard-0001.sql \
   shard-drop0001.sql \
+  common0001.sql \
   drop0001.sql
 
 BUILT_SOURCES = \

src/testing/Makefile.am

@@ -538,11 +538,9 @@ EXTRA_DIST = \
   test_exchange_api_home/.config/taler/account-2.json \
   test_exchange_api_home/.local/share/taler/exchange-offline/master.priv \
   test_exchange_api_home/.local/share/taler/exchange/offline-keys/master.priv \
-  test_exchange_api_home/.local/share/taler/exchange/wirefees/x-taler-bank.fee \
   test_exchange_api_keys_cherry_picking_home/.config/taler/x-taler-bank.json \
   test_exchange_api_keys_cherry_picking_home/.local/share/taler/exchange-offline/master.priv \
   test_exchange_api_keys_cherry_picking_home/.local/share/taler/exchange/offline-keys/master.priv \
-  test_exchange_api_keys_cherry_picking_home/.local/share/taler/exchange/wirefees/x-taler-bank.fee \
   test_exchange_api-cs.conf \
   test_exchange_api-rsa.conf \
   test_exchange_api_twisted-cs.conf \
@@ -554,7 +552,6 @@ EXTRA_DIST = \
   test_taler_exchange_httpd_home/.config/taler/account-1.json \
   test_taler_exchange_httpd_home/.local/share/taler/exchange-offline/master.priv \
   test_taler_exchange_httpd_home/.local/share/taler/exchange/offline-keys/master.priv \
-  test_taler_exchange_httpd_home/.local/share/taler/exchange/wirefees/x-taler-bank.fee \
   test-taler-exchange-aggregator-postgres.conf \
   test-taler-exchange-wirewatch-postgres.conf \
   test_kyc_api.conf