proper i18n support for TOS

13 files changed, 2317 insertions, 635 deletions

diff --git a/contrib/tos/.gitignore b/contrib/tos/.gitignore
new file mode 100644
index 000000000..fb83616eb
--- /dev/null
+++ b/contrib/tos/.gitignore
@@ -0,0 +1,3 @@
+sphinx.err
+sphinx.log
+_build/
diff --git a/contrib/tos/Makefile b/contrib/tos/Makefile
new file mode 100644
index 000000000..ab29543cb
--- /dev/null
+++ b/contrib/tos/Makefile
@@ -0,0 +1,109 @@
+# Makefile for Sphinx documentation
+#
+# You can set these variables from the command line.
+SPHINXOPTS    =
+SPHINXBUILD   = sphinx-build
+PAPER         =
+BUILDDIR      = _build
+
+# User-friendly check for sphinx-build
+ifeq ($(shell which $(SPHINXBUILD) >/dev/null 2>&1; echo $$?), 1)
+$(error The '$(SPHINXBUILD)' command was not found. Make sure you have Sphinx installed, then set the SPHINXBUILD environment variable to point to the full path of the '$(SPHINXBUILD)' executable. Alternatively you can add the directory with the executable to your PATH. If you don't have Sphinx installed, grab it from http://sphinx-doc.org/)
+endif
+
+# Internal variables.
+PAPEROPT_a4     = -D latex_paper_size=a4
+PAPEROPT_letter = -D latex_paper_size=letter
+ALLSPHINXOPTS   = -d $(BUILDDIR)/doctrees $(PAPEROPT_$(PAPER)) $(SPHINXOPTS) .
+# the i18n builder cannot share the environment and doctrees with the others
+I18NSPHINXOPTS  = $(PAPEROPT_$(PAPER)) $(SPHINXOPTS) .
+
+.PHONY: help clean html json epub latex latexpdf text man doctest gettext
+
+help:
+	@echo "Please use \`make <target>' where <target> is one of"
+	@echo "  html       to make a single large HTML file"
+	@echo "  json       to make JSON files"
+	@echo "  epub       to make an epub"
+	@echo "  latex      to make LaTeX files, you can set PAPER=a4 or PAPER=letter"
+	@echo "  pdf        to make LaTeX files and run them through pdflatex"
+	@echo "  txt        to make text files"
+	@echo "  man        to make manual pages"
+	@echo "  texinfo    to make Texinfo files"
+	@echo "  info       to make Texinfo files and run them through makeinfo"
+	@echo "  gettext    to make PO message catalogs"
+	@echo "  xml        to make Docutils-native XML files"
+	@echo "  pseudoxml  to make pseudoxml-XML files for display purposes"
+	@echo "  doctest    to run all doctests embedded in the documentation (if enabled)"
+
+clean:
+	rm -rf $(BUILDDIR)/*
+
+
+# The html-linked builder does not support caching, so we
+# remove all cached state first.
+html:
+	$(SPHINXBUILD) -b html $(ALLSPHINXOPTS) $(BUILDDIR)/html
+	@echo
+	@echo "Build finished. The HTML page is in $(BUILDDIR)/html."
+
+json:
+	$(SPHINXBUILD) -b json $(ALLSPHINXOPTS) $(BUILDDIR)/json
+	@echo
+	@echo "Build finished; now you can process the JSON files."
+
+epub:
+	$(SPHINXBUILD) -b epub $(ALLSPHINXOPTS) $(BUILDDIR)/epub
+	@echo
+	@echo "Build finished. The epub file is in $(BUILDDIR)/epub."
+
+latex:
+	$(SPHINXBUILD) -b latex $(ALLSPHINXOPTS) $(BUILDDIR)/latex
+	@echo
+	@echo "Build finished; the LaTeX files are in $(BUILDDIR)/latex."
+	@echo "Run \`make' in that directory to run these through (pdf)latex" \
+	      "(use \`make latexpdf' here to do that automatically)."
+
+pdf:
+	$(SPHINXBUILD) -b latex $(ALLSPHINXOPTS) $(BUILDDIR)/pdf
+	@echo "Running LaTeX files through pdflatex..."
+	$(MAKE) -C $(BUILDDIR)/pdf all-pdf
+	@echo "pdflatex finished; the PDF files are in $(BUILDDIR)/pdf."
+
+txt:
+	$(SPHINXBUILD) -b text $(ALLSPHINXOPTS) $(BUILDDIR)/txt
+	@echo
+	@echo "Build finished. The text files are in $(BUILDDIR)/txt."
+
+man:
+	$(SPHINXBUILD) -b man $(ALLSPHINXOPTS) $(BUILDDIR)/man
+	@echo
+	@echo "Build finished. The manual pages are in $(BUILDDIR)/man."
+
+texinfo:
+	$(SPHINXBUILD) -b texinfo $(ALLSPHINXOPTS) $(BUILDDIR)/texinfo
+	@echo
+	@echo "Build finished. The Texinfo files are in $(BUILDDIR)/texinfo."
+	@echo "Run \`make' in that directory to run these through makeinfo" \
+	      "(use \`make info' here to do that automatically)."
+
+info:
+	$(SPHINXBUILD) -b texinfo $(ALLSPHINXOPTS) $(BUILDDIR)/info
+	@echo "Running Texinfo files through makeinfo..."
+	make -C $(BUILDDIR)/texinfo info
+	@echo "makeinfo finished; the Info files are in $(BUILDDIR)/info."
+
+gettext:
+	$(SPHINXBUILD) -b gettext $(I18NSPHINXOPTS) $(BUILDDIR)/locale
+	@echo
+	@echo "Build finished. The message catalogs are in $(BUILDDIR)/locale."
+
+doctest:
+	$(SPHINXBUILD) -b doctest $(ALLSPHINXOPTS) $(BUILDDIR)/doctest
+	@echo "Testing of doctests in the sources finished, look at the " \
+	      "results in $(BUILDDIR)/doctest/output.txt."
+
+xml:
+	$(SPHINXBUILD) -b xml $(ALLSPHINXOPTS) $(BUILDDIR)/xml
+	@echo
+	@echo "Build finished. The XML files are in $(BUILDDIR)/xml."
diff --git a/contrib/tos/Makefile.am b/contrib/tos/Makefile.am
deleted file mode 100644
index 1a86e4087..000000000
--- a/contrib/tos/Makefile.am
+++ /dev/null
@@ -1,11 +0,0 @@
-
-# English (en)
-tosendir=$(pkgdatadir)/tos/en
-
-tosen_DATA = \
-  en/0.txt \
-  en/0.docx \
-  en/0.html
-
-EXTRA_DIST = \
-  $(tosen_DATA)
diff --git a/contrib/tos/README b/contrib/tos/README
new file mode 100644
index 000000000..fde5305b6
--- /dev/null
+++ b/contrib/tos/README
@@ -0,0 +1,58 @@
+This directory contains the terms of service (template) for exchange
+operators.
+
+
+Dependencies
+============
+
+Generating new Terms of Service requires Sphinx, LaTeX with babel
+packages for all supported languages.  On Debian, you should
+at least install:
+
+$ apt install python3-sphinx sphinx-intl texlive-lang-german texlive-lang-english
+
+(NOTE: List may be incomplete.)
+
+
+Updating the Terms of Service
+=============================
+
+The master file with the Terms of service is 'tos.rst'.
+
+If you make substantial changes, you MUST change the "TOS_VERSION"
+in contrib/Makefile.am to the new Etag.
+
+To begin the translation into other languages after editing the master
+file, run
+
+$ make gettext
+
+to generate the master PO file. Then, run
+
+$ sphinx-intl update -p _build/locale/ -l de -l fr -l it
+
+to update the PO files for the various languages (extend the list of
+languages as necessary). The PO files for the translators are kept
+at locale/$LANG/LC_MESSAGES/tos.po for the language $LANG.
+
+Once all PO files have been updated with new translations, run
+
+$ make update-tos
+
+in the "contrib/" directory to generate all of the formats.  The
+respective make rule calls the '../update-tos.sh' script in the
+contrib/ directory, which calls the 'Makefile' in the tos/
+directory for the various supported languages and file formats
+and then moves the generated files to the target directory
+('contrib/tos/$LANG/$VERSION.$FORMAT')
+
+
+Adding a new language
+=====================
+
+To add a new language $LANG, add $LANG to "TOS_LANGUAGES" in
+'contrib/Makefile.am' and run
+
+$ sphinx-intl update -p _build/gettext -l $LANG
+
+to generate the PO template.
diff --git a/contrib/tos/conf.py b/contrib/tos/conf.py
new file mode 100644
index 000000000..29392556f
--- /dev/null
+++ b/contrib/tos/conf.py
@@ -0,0 +1,282 @@
+"""
+  This file is part of GNU TALER.
+  Copyright (C) 2014-2020 Taler Systems SA
+
+  TALER is free software; you can redistribute it and/or modify it under the
+  terms of the GNU Lesser General Public License as published by the Free Software
+  Foundation; either version 2.1, or (at your option) any later version.
+
+  TALER is distributed in the hope that it will be useful, but WITHOUT ANY
+  WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR
+  A PARTICULAR PURPOSE.  See the GNU Lesser General Public License for more details.
+
+  You should have received a copy of the GNU Lesser General Public License along with
+  TALER; see the file COPYING.  If not, see <http://www.gnu.org/licenses/>
+
+  @author Florian Dold
+  @author Benedikt Muller
+  @author Sree Harsha Totakura
+  @author Marcello Stanisci
+"""
+# -*- coding: utf-8 -*-
+#
+# neuro documentation build configuration file, created by
+# sphinx-quickstart on Sat May 31 13:11:06 2014.
+#
+# This file is execfile()d with the current directory set to its
+# containing dir.
+#
+# Note that not all possible configuration values are present in this
+# autogenerated file.
+#
+# All configuration values have a default; values that are commented out
+# serve to show the default.
+
+import sys
+import os
+
+sys.path.append(os.path.abspath('_exts'))
+
+#import taler_sphinx_theme
+
+# If extensions (or modules to document with autodoc) are in another directory,
+# add these directories to sys.path here. If the directory is relative to the
+# documentation root, use os.path.abspath to make it absolute, like shown here.
+#sys.path.insert(0, os.path.abspath('.'))
+
+# -- General configuration ------------------------------------------------
+
+# If your documentation needs a minimal Sphinx version, state it here.
+needs_sphinx = '1.8.5'
+
+# Add any Sphinx extension module names here, as strings. They can be
+# extensions coming with Sphinx (named 'sphinx.ext.*') or your custom
+# ones.
+extensions = [
+    'sphinx.ext.todo',
+    'sphinx.ext.imgmath',
+]
+
+# Add any paths that contain templates here, relative to this directory.
+templates_path = ['_templates']
+
+source_suffix = {
+    '.rst': 'restructuredtext',
+}
+
+# The encoding of source files.
+#source_encoding = 'utf-8-sig'
+
+# The master toctree document.
+master_doc = 'tos'
+
+# General information about the project.
+project = u'tos'
+copyright = u'2014-2020 Taler Systems SA (GPLv3+ or GFDL 1.3+)'
+
+# The version info for the project you're documenting, acts as replacement for
+# |version| and |release|, also used in various other places throughout the
+# built documents.
+#
+# The short X.Y version.
+version = '0'
+# The full version, including alpha/beta/rc tags.
+release = '0'
+
+# The language for content autogenerated by Sphinx. Refer to documentation
+# for a list of supported languages.
+# language = "en de"
+
+# There are two options for replacing |today|: either, you set today to some
+# non-false value, then it is used:
+#today = ''
+# Else, today_fmt is used as the format for a strftime call.
+#today_fmt = '%B %d, %Y'
+
+# List of patterns, relative to source directory, that match files and
+# directories to ignore when looking for source files.
+exclude_patterns = ['_build', '_exts', 'cf', 'prebuilt']
+
+# The reST default role (used for this markup: `text`) to use for all
+# documents.
+# default_role = "ts:type"
+
+locale_dirs = ['locale/']
+gettext_compact = False
+
+# If true, '()' will be appended to :func: etc. cross-reference text.
+#add_function_parentheses = True
+
+# If true, the current module name will be prepended to all description
+# unit titles (such as .. function::).
+#add_module_names = True
+
+# If true, sectionauthor and moduleauthor directives will be shown in the
+# output. They are ignored by default.
+#show_authors = False
+
+# The name of the Pygments (syntax highlighting) style to use.
+pygments_style = 'sphinx'
+
+# A list of ignored prefixes for module index sorting.
+#modindex_common_prefix = []
+
+# If true, keep warnings as "system message" paragraphs in the built documents.
+#keep_warnings = False
+
+# -- Options for HTML output ----------------------------------------------
+
+# The theme to use for HTML and HTML Help pages.  See the documentation for
+# a list of builtin themes.
+html_theme = 'epub'
+
+#html_theme_path = taler_sphinx_theme.html_theme_path()
+
+#html_sidebars = {'**': ['logo-text.html', 'globaltoc.html', 'searchbox.html']}
+
+rst_epilog = ""
+
+html_show_sphinx = False
+
+html_theme_options = {
+    # Set the name of the project to appear in the sidebar
+    "relbar1": "false",
+    "footer": "false",
+}
+
+# Add any paths that contain custom themes here, relative to this directory.
+#html_theme_path = []
+
+# The name for this set of Sphinx documents.  If None, it defaults to
+# "<project> v<release> documentation".
+html_title = "Taler Terms of Service"
+
+# A shorter title for the navigation bar.  Default is the same as html_title.
+html_short_title = "Terms of Service"
+
+# The name of an image file (relative to this directory) to place at the top
+# of the sidebar.
+#html_logo = None
+
+# The name of an image file (within the static path) to use as favicon of the
+# docs.  This file should be a Windows icon file (.ico) being 16x16 or 32x32
+# pixels large.
+#html_favicon = None
+
+# Add any paths that contain custom static files (such as style sheets) here,
+# relative to this directory. They are copied after the builtin static files,
+# so a file named "default.css" will overwrite the builtin "default.css".
+# html_static_path = ['_static']
+
+# Add any extra paths that contain custom files (such as robots.txt or
+# .htaccess) here, relative to this directory. These files are copied
+# directly to the root of the documentation.
+#html_extra_path = []
+
+# If not '', a 'Last updated on:' timestamp is inserted at every page bottom,
+# using the given strftime format.
+#html_last_updated_fmt = '%b %d, %Y'
+
+# If true, SmartyPants will be used to convert quotes and dashes to
+# typographically correct entities.
+#html_use_smartypants = True
+
+# Custom sidebar templates, maps document names to template names.
+#html_sidebars = {}
+
+# Additional templates that should be rendered to pages, maps page names to
+# template names.
+#html_additional_pages = {}
+
+# If false, no module index is generated.
+#html_domain_indices = True
+
+# If false, no index is generated.
+#html_use_index = True
+
+# If true, the index is split into individual pages for each letter.
+#html_split_index = False
+
+# If true, links to the reST sources are added to the pages.
+#html_show_sourcelink = True
+
+# If true, "Created using Sphinx" is shown in the HTML footer. Default is True.
+html_show_sphinx = False
+
+# If true, "(C) Copyright ..." is shown in the HTML footer. Default is True.
+#html_show_copyright = True
+
+# If true, an OpenSearch description file will be output, and all pages will
+# contain a <link> tag referring to it.  The value of this option must be the
+# base URL from which the finished HTML is served.
+#html_use_opensearch = ''
+
+# This is the file name suffix for HTML files (e.g. ".xhtml").
+#html_file_suffix = None
+
+# -- Options for LaTeX output ---------------------------------------------
+
+latex_elements = {
+    # The paper size ('letterpaper' or 'a4paper').
+    #'papersize': 'letterpaper',
+
+    # The font size ('10pt', '11pt' or '12pt').
+    #'pointsize': '10pt',
+
+    # Additional stuff for the LaTeX preamble.
+    #'preamble': '',
+}
+
+# Grouping the document tree into LaTeX files. List of tuples
+# (source start file, target name, title,
+#  author, documentclass [howto, manual, or own class]).
+latex_documents = [
+    ('tos', 'tos.tex',
+     'Terms of Service', 'GNU Taler team', 'manual'),
+]
+
+# The name of an image file (relative to this directory) to place at the top of
+# the title page.
+#latex_logo = None
+
+# For "manual" documents, if this is true, then toplevel headings are parts,
+# not chapters.
+#latex_use_parts = False
+
+# If true, show page references after internal links.
+#latex_show_pagerefs = False
+
+# If true, show URL addresses after external links.
+#latex_show_urls = False
+
+# Documents to append as an appendix to all manuals.
+# latex_appendices = ["fdl-1.3"]
+
+# If false, no module index is generated.
+#latex_domain_indices = True
+
+# -- Options for manual page output ---------------------------------------
+
+# If true, show URL addresses after external links.
+#man_show_urls = False
+
+# -- Options for Texinfo output -------------------------------------------
+
+# Documents to append as an appendix to all manuals.
+#texinfo_appendices = []
+
+# If false, no module index is generated.
+#texinfo_domain_indices = True
+
+# How to display URL addresses: 'footnote', 'no', or 'inline'.
+#texinfo_show_urls = 'footnote'
+
+# If true, do not generate a @detailmenu in the "Top" node's menu.
+#texinfo_no_detailmenu = False
+
+
+# -- Options for epub output  ----------------------------
+
+epub_basename = "tos"
+
+epub_title = "Terms of Service"
diff --git a/contrib/tos/en/0.docx b/contrib/tos/en/0.docx
deleted file mode 100644
index 31c7022d3..000000000
--- a/contrib/tos/en/0.docx
+++ /dev/null
diff --git a/contrib/tos/en/0.epub b/contrib/tos/en/0.epub
new file mode 100644
index 000000000..a6c7860bd
--- /dev/null
+++ b/contrib/tos/en/0.epub
diff --git a/contrib/tos/en/0.html b/contrib/tos/en/0.html
index ea81db07a..2c8000c35 100644
--- a/contrib/tos/en/0.html
+++ b/contrib/tos/en/0.html
@@ -1,364 +1,337 @@
-<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
-<html>
-<head>
-	<meta http-equiv="content-type" content="text/html; charset=utf-8"/>
-	<title></title>
-	<meta name="author" content="Michael Widmer"/>
-	<meta name="created" content="2019-12-01T07:06:00"/>
-	<meta name="changed" content="2019-12-04T00:01:19.809905379"/>
-</head>
-<body lang="en">
-<h1>Terms Of Service - Last Updated: 12.4.2019</h1>
 
-<p>
- Welcome!  Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+
+<html xmlns="http://www.w3.org/1999/xhtml" lang="en">
+  <head>
+    <meta http-equiv="X-UA-Compatible" content="IE=Edge" />
+    <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
+    <title>Terms Of Service &#8212; Taler Terms of Service</title>
+    <link rel="stylesheet" href="_static/epub.css" type="text/css" />
+    <link rel="stylesheet" href="_static/pygments.css" type="text/css" />
+    <script type="text/javascript" id="documentation_options" data-url_root="./" src="_static/documentation_options.js"></script>
+    <script type="text/javascript" src="_static/jquery.js"></script>
+    <script type="text/javascript" src="_static/underscore.js"></script>
+    <script type="text/javascript" src="_static/doctools.js"></script>
+    <script type="text/javascript" src="_static/language_data.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: 12.4.2019</p>
+<p>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.
-</p>
-<h2>Overview</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>
-<p>Highlights:
-<ul>
-	<li>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.
-	<li>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.
-	<li>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.
-	<li>You
-	agree to not intentionally overwhelm our systems with requests and
-	follow responsible disclosure if you find security issues in our
-	services.
-	<li>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.
-</ul></p>
-<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
-legal@taler-systems.com. If you do not agree to this Agreement, you
-must not use our Services.
-</p>
-<h2>How you accept this policy</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>
-<h2>Services</h2>
-<p>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.</p>
-<p>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.</p>
-<p>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.</p>
-<p lang="en" class="western" style="margin-bottom: 0.19in; line-height: 100%">
-<br/>
-<br/>
-
-</p>
-<h2>FEES</h2>
-<p>You
-agree to pay the fees for exchanges and withdrawals completed via the
-Taler Wallet (&quot;Fees&quot;) 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.
-</p>
-<p>You
-authorize us to charge or deduct applicable fees owed in connection
-with deposits, exchanges and withdrawals following the rules of the
-Taler protocol.</p>
-<p>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>
-<h2>ELIGIBILITY</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>FINANCIAL SELF-RESPONSIBILITY</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>
-<h2>COPYRIGHTS and TRADEMARKS</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 https://www.gnu.org/licenses/gpl-3.0.en.html.
-</p>
-<p>"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>
-<h2>YOUR USE OF OUR SERVICES</h2>
-<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 href="mailto:security@taler-systems.com">security@taler-systems.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>
-<h2>LIMITATION OF LIABILITY &amp; DISCLAIMER OF WARRANTIES</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.
-</p>
-<p>You
-release us from all liability related to any losses, damages, or
-claims arising from:
-  <ol>
-    <li>user error such as forgotten passwords, incorrectly constructed
+carefully.</p>
+<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>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.</li>
+<li>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.</li>
+<li>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.</li>
+<li>You agree to not intentionally overwhelm our systems with requests and
+follow responsible disclosure if you find security issues in our services.</li>
+<li>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.</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: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
+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 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.</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">
+<h2>Eligibility<a class="headerlink" href="#eligibility" 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>
+</div>
+<div class="section" id="financial-self-responsibility">
+<h2>Financial self-responsibility<a class="headerlink" href="#financial-self-responsibility" title="Permalink to this headline">¶</a></h2>
+<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="your-use-of-our-services">
+<h2>Your use of our services<a class="headerlink" href="#your-use-of-our-services" title="Permalink to this headline">¶</a></h2>
+<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&#37;&#52;&#48;taler-systems&#46;com">security<span>&#64;</span>taler-systems<span>&#46;</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="limitation-of-liability-disclaimer-of-warranties">
+<h2>Limitation of liability &amp; 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>user error such as forgotten passwords, incorrectly constructed
 transactions;</li>
-    <li>server failure or data loss;</li>
-    <li>unauthorized access to the Taler Wallet application;</li>
-    <li>bugs or other errors in the Taler Wallet software; and</li>
-    <li>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.</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>
-<h2>LIMITATION OF LIABILITY</h2>
-</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:
-  <ol>
-    <li>
-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:
-<ol>
-  <li>
-    your use of, or conduct in connection with, our services;</li>
-  <li>
-any unauthorized use of your wallet and/or private key due to your
+<li>server failure or data loss;</li>
+<li>unauthorized access to the Taler Wallet application;</li>
+<li>bugs or other errors in the Taler Wallet software; and</li>
+<li>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.</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>
+</div>
+<div class="section" id="limitation-of-liability">
+<h2>Limitation of liability<a class="headerlink" href="#limitation-of-liability" title="Permalink to this headline">¶</a></h2>
+<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>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:</li>
+</ol>
+<blockquote>
+<div><ol class="lowerroman simple">
+<li>your use of, or conduct in connection with, our services;</li>
+<li>any unauthorized use of your wallet and/or private key due to your
 failure to maintain the confidentiality of your wallet;</li>
-  <li>any interruption or cessation of transmission to or from the
-    services; or</li>
-  <li>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)</li>
+<li>any interruption or cessation of transmission to or from the services; or</li>
+<li>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</li>
 </ol>
-    <li>or any direct damages.</li>
+</div></blockquote>
+<ol class="loweralpha simple" start="2">
+<li>any direct damages.</li>
 </ol>
-</p>
-<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>
-<h2>WARRANTY DISCLAIMER</h2>
-<p>Our
-services are provided &quot;as is&quot; 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,
+<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>
+</div>
+<div class="section" id="warranty-disclaimer">
+<h2>Warranty disclaimer<a class="headerlink" href="#warranty-disclaimer" title="Permalink to this headline">¶</a></h2>
+<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>
-
-<h2>INDEMNITY</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>
-<h2>TIME LIMITATION ON CLAIMS</h2>
-<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>
-<h2>GOVERNING LAW</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 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.
-</p>
-<h2>TERMINATION</h2>
-<p>
-the event of termination concerning your use of our Services, your
-obligations under this Agreement will still continue.
-</p>
-<h2>DISCONTINUANCE OF SERVICES</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>
-<h2>NO WAIVER</h2>
-<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>
-<h2>SEVERABILITY</h2>
-<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>
-<h2>FORCE MAJEURE</h2>
-<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>
-<h2>ASSIGNMENT</h2>
-<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>
-<h2>ENTIRE AGREEMENT</h2>
-<p>This
-Agreement sets forth the entire understanding and agreement as to the
+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="indemntiy">
+<h2>Indemntiy<a class="headerlink" href="#indemntiy" 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>
+</div>
+<div class="section" id="time-limitation-on-claims">
+<h2>Time limitation on claims<a class="headerlink" href="#time-limitation-on-claims" title="Permalink to this headline">¶</a></h2>
+<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>
+</div>
+<div class="section" id="governing-law">
+<h2>Governing law<a class="headerlink" href="#governing-law" 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 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.</p>
+</div>
+<div class="section" id="termination">
+<h2>Termination<a class="headerlink" href="#termination" title="Permalink to this headline">¶</a></h2>
+<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">
+<h2>Discontinuance of services<a class="headerlink" href="#discontinuance-of-services" 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>
+</div>
+<div class="section" id="no-waiver">
+<h2>No waiver<a class="headerlink" href="#no-waiver" title="Permalink to this headline">¶</a></h2>
+<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>
+</div>
+<div class="section" id="severability">
+<h2>Severability<a class="headerlink" href="#severability" title="Permalink to this headline">¶</a></h2>
+<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>
+</div>
+<div class="section" id="force-majeure">
+<h2>Force majeure<a class="headerlink" href="#force-majeure" title="Permalink to this headline">¶</a></h2>
+<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="assignment">
+<h2>Assignment<a class="headerlink" href="#assignment" title="Permalink to this headline">¶</a></h2>
+<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>
+</div>
+<div class="section" id="entire-agreement">
+<h2>Entire agreement<a class="headerlink" href="#entire-agreement" title="Permalink to this headline">¶</a></h2>
+<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>
-<h2>QUESTIONS OR COMMENTS</h2>
-<p>We
-welcome comments, questions, concerns, or suggestions. Please send us
-a message on our contact page at <tt>legal@taler-systems.com</tt>.
-</p>
-</body>
-</html>
+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&#37;&#52;&#48;taler-systems&#46;com">legal<span>&#64;</span>taler-systems<span>&#46;</span>com</a>.</p>
+</div>
+</div>
+
+
+          </div>
+        </div>
+      </div>
+      <div class="clearer"></div>
+    </div>
+  </body>
+</html>
\ No newline at end of file
diff --git a/contrib/tos/en/0.pdf b/contrib/tos/en/0.pdf
new file mode 100644
index 000000000..972b91b93
--- /dev/null
+++ b/contrib/tos/en/0.pdf
diff --git a/contrib/tos/en/0.txt b/contrib/tos/en/0.txt
index 5a5ee1b9a..9b512f013 100644
--- a/contrib/tos/en/0.txt
+++ b/contrib/tos/en/0.txt
@@ -1,295 +1,381 @@
-Terms Of Service - Last Updated: 12.4.2019
+Terms Of Service
+****************
 
-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.
+Last Updated: 12.4.2019
 
-OVERVIEW
+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.
+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
+-----------
+
+   * You are responsible for keeping the data in your Taler Wallet at
+     all times under your control. Any losses arising from you not
+     being in control of your private information are your problem.
+
+   * We will try to transfer funds we hold in escrow for our users to
+     any legal recipient to the best of our ability within the
+     limitations of the law and our implementation. However, the
+     Services offered today are highly experimental and the set of
+     recipients of funds is severely restricted.
+
+   * For our Services, we may charge transaction fees. The specific
+     fee structure is provided based on the Taler protocol and should
+     be shown to you when you withdraw electronic coins using a Taler
+     Wallet. You agree and understand that the Taler protocol allows
+     for the fee structure to change.
+
+   * You agree to not intentionally overwhelm our systems with
+     requests and follow responsible disclosure if you find security
+     issues in our services.
+
+   * We cannot be held accountable for our Services not being
+     available due to circumstances beyond our control. If we modify
+     or terminate our services, we will try to give you the
+     opportunity to recover your funds. However, given the
+     experimental state of the Services today, this may not be
+     possible. You are strongly advised to limit your use of the
+     Service to small-scale experiments expecting total loss of all
+     funds.
+
+These terms outline approved uses of our Services. The Services and
+these Terms are still at an experimental stage. If you have any
+questions or comments related to this Agreement, please send us a
+message to legal@taler-systems.com. If you do not agree to this
+Agreement, you must not use our Services.
+
+
+How you accept this policy
+==========================
+
+By sending funds to us (to top-up your Taler Wallet), you acknowledge
+that you have read, understood, and agreed to these Terms. We reserve
+the right to change these Terms at any time. If you disagree with the
+change, we may in the future offer you with an easy option to recover
+your unspent funds. However, in the current experimental period you
+acknowledge that this feature is not yet available, resulting in your
+funds being lost unless you accept the new Terms. If you continue to
+use our Services other than to recover your unspent funds, your
+continued use of our Services following any such change will signify
+your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes
+since you have last reviewed these Terms.
+
+
+Services
+========
+
+We will try to transfer funds that we hold in escrow for our users to
+any legal recipient to the best of our ability and within the
+limitations of the law and our implementation. However, the Services
+offered today are highly experimental and the set of recipients of
+funds is severely restricted.  The Taler Wallet can be loaded by
+exchanging fiat currencies against electronic coins. We are providing
+this exchange service. Once your Taler Wallet is loaded with
+electronic coins they can be spent for purchases if the seller is
+accepting Taler as a means of payment. We are not guaranteeing that
+any seller is accepting Taler at all or a particular seller.  The
+seller or recipient of deposits of electronic coins must specify the
+target account, as per the design of the Taler protocol. They are
+responsible for following the protocol and specifying the correct bank
+account, and are solely liable for any losses that may arise from
+specifying the wrong account. We will allow the government to link
+wire transfers to the underlying contract hash. It is the
 responsibility of recipients to preserve the full contracts and to pay
-whatever taxes and charges may be applicable. Technical issues may lead to
-situations where we are unable to make transfers at all or lead to incorrect
-transfers that cannot be reversed. We will only refuse to execute transfers if
-the transfers are prohibited by a competent legal authority and we are ordered
-to do so.
-
-FEES
-
-You agree to pay the fees for exchanges and withdrawals completed via the
-Taler Wallet ("Fees") as defined by us, which we may change from time to
-time. With the exception of wire transfer fees, Taler transaction fees are set
-for any electronic coin at the time of withdrawal and fixed throughout the
-validity period of the respective electronic coin. Your wallet should obtain
-and display applicable fees when withdrawing funds. Fees for coins obtained as
-change may differ from the fees applicable to the original coin. Wire transfer
-fees that are independent from electronic coins may change annually.  You
-authorize us to charge or deduct applicable fees owed in connection with
-deposits, exchanges and withdrawals following the rules of the Taler protocol.
-We reserve the right to provide different types of rewards to users either in
-the form of discount for our Services or in any other form at our discretion
-and without prior notice to you.
-
-ELIGIBILITY
-
-To be eligible to use our Services, you must be able to form legally binding
-contracts or have the permission of your legal guardian. By using our
-Services, you represent and warrant that you meet all eligibility requirements
-that we outline in these Terms.
-
-FINANCIAL SELF-RESPONSIBILITY
-
-You will be responsible for maintaining the availability, integrity and
-confidentiality of the data stored in your wallet. When you setup a Taler
-Wallet, you are strongly advised to follow the precautionary measures offered
-by the software to minimize the chances to losse access to or control over
-your Wallet data. We will not be liable for any loss or damage arising from
-your failure to comply with this paragraph.
-
-COPYRIGHTS and TRADEMARKS
-
-The Taler Wallet is released under the terms of the GNU General Public License
-(GNU GPL). You have the right to access, use, and share the Taler Wallet, in
-modified or unmodified form. However, the GPL is a strong copyleft license,
-which means that any derivative works must be distributed under the same
-license terms as the original software. If you have any questions, you should
-review the GNU GPL’s full terms and conditions at
-https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler” itself is a trademark
-of Taler Systems SA. You are welcome to use the name in relation to processing
-payments using the Taler protocol, assuming your use is compatible with an
-official release from the GNU Project that is not older than two years.
-
-YOUR USE OF OUR SERVICES
-
-When using our Services, you agree to not take any action that intentionally
-imposes an unreasonable load on our infrastructure. If you find security
-problems in our Services, you agree to first report them to
-security@taler-systems.com and grant us the right to publish your report. We
-warrant that we will ourselves publicly disclose any issues reported within 3
-months, and that we will not prosecute anyone reporting security issues if
-they did not exploit the issue beyond a proof-of-concept, and followed the
-above responsible disclosure practice.
-
-LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES
-
-You understand and agree that we have no control over, and no duty to take any
-action regarding: Failures, disruptions, errors, or delays in processing that
-you may experience while using our Services; The risk of failure of hardware,
-software, and Internet connections; The risk of malicious software being
-introduced or found in the software underlying the Taler Wallet; The risk that
-third parties may obtain unauthorized access to information stored within your
-Taler Wallet, including, but not limited to your Taler Wallet coins or backup
-encryption keys.  You release us from all liability related to any losses,
-damages, or claims arising from:
-
-(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.
-
-LIMITATION OF LIABILITY
-
-To the fullest extent permitted by applicable law, in no event will we or any
-of our officers, directors, representatives, agents, servants, counsel,
-employees, consultants, lawyers, and other personnel authorized to act,
-acting, or purporting to act on our behalf (collectively the “Taler Parties”)
-be liable to you under contract, tort, strict liability, negligence, or any
-other legal or equitable theory, for:
-
-(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.
-
-WARRANTY DISCLAIMER
-
-Our services are provided "as is" and without warranty of any kind. To the
-maximum extent permitted by law, we disclaim all representations and
-warranties, express or implied, relating to the services and underlying
-software or any content on the services, whether provided or owned by us or by
-any third party, including without limitation, warranties of merchantability,
-fitness for a particular purpose, title, non-infringement, freedom from
-computer virus, and any implied warranties arising from course of dealing,
-course of performance, or usage in trade, all of which are expressly
-disclaimed. In addition, we do not represent or warrant that the content
-accessible via the services is accurate, complete, available, current, free of
-viruses or other harmful components, or that the results of using the services
-will meet your requirements. Some states do not allow the disclaimer of
-implied warranties, so the foregoing disclaimers may not apply to you. This
-paragraph gives you specific legal rights and you may also have other legal
-rights that vary from state to state.
-
-INDEMNITY
-
-To the extent permitted by applicable law, you agree to defend, indemnify, and
-hold harmless the Taler Parties from and against any and all claims, damages,
-obligations, losses, liabilities, costs or debt, and expenses (including, but
-not limited to, attorney’s fees) arising from: (a) your use of and access to
-the Services; (b) any feedback or submissions you provide to us concerning the
-Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
-violation of any law, rule, or regulation, or the rights of any third party.
-
-TIME LIMITATION ON CLAIMS
-
-You agree that any claim you may have arising out of or related to your
-relationship with us must be filed within one year after such claim arises,
-otherwise, your claim in permanently barred.
-
-GOVERNING LAW
-
-No matter where you’re located, the laws of Switzerland will govern these
-Terms. If any provisions of these Terms are inconsistent with any applicable
-law, those provisions will be superseded or modified only to the extent such
-provisions are inconsistent. The parties agree to submit to the ordinary
-courts in Zurich, Switzerland for exclusive jurisdiction of any dispute
-arising out of or related to your use of the Services or your breach of these
-Terms.
-
-TERMINATION
+whatever taxes and charges may be applicable. Technical issues may
+lead to situations where we are unable to make transfers at all or
+lead to incorrect transfers that cannot be reversed. We will only
+refuse to execute transfers if the transfers are prohibited by a
+competent legal authority and we are ordered to do so.
+
+
+Fees
+====
+
+You agree to pay the fees for exchanges and withdrawals completed via
+the Taler Wallet ("Fees") as defined by us, which we may change from
+time to time. With the exception of wire transfer fees, Taler
+transaction fees are set for any electronic coin at the time of
+withdrawal and fixed throughout the validity period of the respective
+electronic coin. Your wallet should obtain and display applicable fees
+when withdrawing funds. Fees for coins obtained as change may differ
+from the fees applicable to the original coin. Wire transfer fees that
+are independent from electronic coins may change annually.  You
+authorize us to charge or deduct applicable fees owed in connection
+with deposits, exchanges and withdrawals following the rules of the
+Taler protocol. We reserve the right to provide different types of
+rewards to users either in the form of discount for our Services or in
+any other form at our discretion and without prior notice to you.
+
+
+Eligibility
+===========
+
+To be eligible to use our Services, you must be able to form legally
+binding contracts or have the permission of your legal guardian. By
+using our Services, you represent and warrant that you meet all
+eligibility requirements that we outline in these Terms.
+
+
+Financial self-responsibility
+=============================
+
+You will be responsible for maintaining the availability, integrity
+and confidentiality of the data stored in your wallet. When you setup
+a Taler Wallet, you are strongly advised to follow the precautionary
+measures offered by the software to minimize the chances to losse
+access to or control over your Wallet data. We will not be liable for
+any loss or damage arising from your failure to comply with this
+paragraph.
+
+
+Copyrights and trademarks
+=========================
+
+The Taler Wallet is released under the terms of the GNU General Public
+License (GNU GPL). You have the right to access, use, and share the
+Taler Wallet, in modified or unmodified form. However, the GPL is a
+strong copyleft license, which means that any derivative works must be
+distributed under the same license terms as the original software. If
+you have any questions, you should review the GNU GPL’s full terms and
+conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler”
+itself is a trademark of Taler Systems SA. You are welcome to use the
+name in relation to processing payments using the Taler protocol,
+assuming your use is compatible with an official release from the GNU
+Project that is not older than two years.
+
+
+Your use of our services
+========================
+
+When using our Services, you agree to not take any action that
+intentionally imposes an unreasonable load on our infrastructure. If
+you find security problems in our Services, you agree to first report
+them to security@taler-systems.com and grant us the right to publish
+your report. We warrant that we will ourselves publicly disclose any
+issues reported within 3 months, and that we will not prosecute anyone
+reporting security issues if they did not exploit the issue beyond a
+proof-of-concept, and followed the above responsible disclosure
+practice.
+
+
+Limitation of liability & disclaimer of warranties
+==================================================
+
+You understand and agree that we have no control over, and no duty to
+take any action regarding: Failures, disruptions, errors, or delays in
+processing that you may experience while using our Services; The risk
+of failure of hardware, software, and Internet connections; The risk
+of malicious software being introduced or found in the software
+underlying the Taler Wallet; The risk that third parties may obtain
+unauthorized access to information stored within your Taler Wallet,
+including, but not limited to your Taler Wallet coins or backup
+encryption keys.  You release us from all liability related to any
+losses, damages, or claims arising from:
+
+1. user error such as forgotten passwords, incorrectly constructed
+   transactions;
+
+2. server failure or data loss;
+
+3. unauthorized access to the Taler Wallet application;
+
+4. bugs or other errors in the Taler Wallet software; and
+
+5. any unauthorized third party activities, including, but not limited
+   to, the use of viruses, phishing, brute forcing, or other means of
+   attack against the Taler Wallet. We make no representations
+   concerning any Third Party Content contained in or accessed through
+   our Services.
+
+Any other terms, conditions, warranties, or representations associated
+with such content, are solely between you and such organizations
+and/or individuals.
+
+
+Limitation of liability
+=======================
+
+To the fullest extent permitted by applicable law, in no event will we
+or any of our officers, directors, representatives, agents, servants,
+counsel, employees, consultants, lawyers, and other personnel
+authorized to act, acting, or purporting to act on our behalf
+(collectively the “Taler Parties”) be liable to you under contract,
+tort, strict liability, negligence, or any other legal or equitable
+theory, for:
+
+1. any lost profits, data loss, cost of procurement of substitute
+   goods or services, or direct, indirect, incidental, special,
+   punitive, compensatory, or consequential damages of any kind
+   whatsoever resulting from:
+
+   1. your use of, or conduct in connection with, our services;
+
+   2. any unauthorized use of your wallet and/or private key due to
+      your failure to maintain the confidentiality of your wallet;
+
+   3. any interruption or cessation of transmission to or from the
+      services; or
+
+   4. any bugs, viruses, trojan horses, or the like that are found in
+      the Taler Wallet software or that may be transmitted to or
+      through our services by any third party (regardless of the
+      source of origination), or
+
+2. any direct damages.
+
+These limitations apply regardless of legal theory, whether based on
+tort, strict liability, breach of contract, breach of warranty, or any
+other legal theory, and whether or not we were advised of the
+possibility of such damages. Some jurisdictions do not allow the
+exclusion or limitation of liability for consequential or incidental
+damages, so the above limitation may not apply to you.
+
+
+Warranty disclaimer
+===================
+
+Our services are provided "as is" and without warranty of any kind. To
+the maximum extent permitted by law, we disclaim all representations
+and warranties, express or implied, relating to the services and
+underlying software or any content on the services, whether provided
+or owned by us or by any third party, including without limitation,
+warranties of merchantability, fitness for a particular purpose,
+title, non-infringement, freedom from computer virus, and any implied
+warranties arising from course of dealing, course of performance, or
+usage in trade, all of which are expressly disclaimed. In addition, we
+do not represent or warrant that the content accessible via the
+services is accurate, complete, available, current, free of viruses or
+other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer
+of implied warranties, so the foregoing disclaimers may not apply to
+you. This paragraph gives you specific legal rights and you may also
+have other legal rights that vary from state to state.
+
+
+Indemntiy
+=========
+
+To the extent permitted by applicable law, you agree to defend,
+indemnify, and hold harmless the Taler Parties from and against any
+and all claims, damages, obligations, losses, liabilities, costs or
+debt, and expenses (including, but not limited to, attorney’s fees)
+arising from: (a) your use of and access to the Services; (b) any
+feedback or submissions you provide to us concerning the Taler Wallet;
+(c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third
+party.
+
+
+Time limitation on claims
+=========================
+
+You agree that any claim you may have arising out of or related to
+your relationship with us must be filed within one year after such
+claim arises, otherwise, your claim in permanently barred.
+
+
+Governing law
+=============
+
+No matter where you’re located, the laws of Switzerland will govern
+these Terms. If any provisions of these Terms are inconsistent with
+any applicable law, those provisions will be superseded or modified
+only to the extent such provisions are inconsistent. The parties agree
+to submit to the ordinary courts in Zurich, Switzerland for exclusive
+jurisdiction of any dispute arising out of or related to your use of
+the Services or your breach of these Terms.
+
+
+Termination
+===========
 
 In the event of termination concerning your use of our Services, your
 obligations under this Agreement will still continue.
 
-DISCONTINUANCE OF SERVICES
 
-We may, in our sole discretion and without cost to you, with or without prior
-notice, and at any time, modify or discontinue, temporarily or permanently,
-any portion of our Services. We will use the Taler protocol’s provisions to
-notify Wallets if our Services are to be discontinued. It is your
-responsibility to ensure that the Taler Wallet is online at least once every
-three months to observe these notifications. We shall not be held responsible
-or liable for any loss of funds in the event that we discontinue or depreciate
-the Services and your Taler Wallet fails to transfer out the coins within a
-three months notification period.
+Discontinuance of services
+==========================
+
+We may, in our sole discretion and without cost to you, with or
+without prior notice, and at any time, modify or discontinue,
+temporarily or permanently, any portion of our Services. We will use
+the Taler protocol’s provisions to notify Wallets if our Services are
+to be discontinued. It is your responsibility to ensure that the Taler
+Wallet is online at least once every three months to observe these
+notifications. We shall not be held responsible or liable for any loss
+of funds in the event that we discontinue or depreciate the Services
+and your Taler Wallet fails to transfer out the coins within a three
+months notification period.
+
 
-NO WAIVER
+No waiver
+=========
 
-Our failure to exercise or delay in exercising any right, power, or privilege
-under this Agreement shall not operate as a waiver; nor shall any single or
-partial exercise of any right, power, or privilege preclude any other or
-further exercise thereof.
+Our failure to exercise or delay in exercising any right, power, or
+privilege under this Agreement shall not operate as a waiver; nor
+shall any single or partial exercise of any right, power, or privilege
+preclude any other or further exercise thereof.
 
-SEVERABILITY
 
-If it turns out that any part of this Agreement is invalid, void, or for any
-reason unenforceable, that term will be deemed severable and limited or
-eliminated to the minimum extent necessary.
+Severability
+============
 
-FORCE MAJEURE
+If it turns out that any part of this Agreement is invalid, void, or
+for any reason unenforceable, that term will be deemed severable and
+limited or eliminated to the minimum extent necessary.
+
+
+Force majeure
+=============
 
 We shall not be held liable for any delays, failure in performance, or
-interruptions of service which result directly or indirectly from any cause or
-condition beyond our reasonable control, including but not limited to: any
-delay or failure due to any act of God, act of civil or military authorities,
-act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
-interruption in telecommunications or Internet services or network provider
-services, failure of equipment and/or software, other catastrophe, or any
-other occurrence which is beyond our reasonable control and shall not affect
+interruptions of service which result directly or indirectly from any
+cause or condition beyond our reasonable control, including but not
+limited to: any delay or failure due to any act of God, act of civil
+or military authorities, act of terrorism, civil disturbance, war,
+strike or other labor dispute, fire, interruption in
+telecommunications or Internet services or network provider services,
+failure of equipment and/or software, other catastrophe, or any other
+occurrence which is beyond our reasonable control and shall not affect
 the validity and enforceability of any remaining provisions.
 
-ASSIGNMENT
 
-You agree that we may assign any of our rights and/or transfer, sub-contract,
-or delegate any of our obligations under these Terms.
+Assignment
+==========
+
+You agree that we may assign any of our rights and/or transfer, sub-
+contract, or delegate any of our obligations under these Terms.
+
+
+Entire agreement
+================
 
-ENTIRE AGREEMENT
+This Agreement sets forth the entire understanding and agreement as to
+the subject matter hereof and supersedes any and all prior
+discussions, agreements, and understandings of any kind (including,
+without limitation, any prior versions of this Agreement) and every
+nature between us. Except as provided for above, any modification to
+this Agreement must be in writing and must be signed by both parties.
 
-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
+Questions or comments
+=====================
 
-We welcome comments, questions, concerns, or suggestions. Please send us a
-message on our contact page at legal@taler-systems.com.
+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/0.xml b/contrib/tos/en/0.xml
new file mode 100644
index 000000000..45871ead4
--- /dev/null
+++ b/contrib/tos/en/0.xml
@@ -0,0 +1,344 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!DOCTYPE document PUBLIC "+//IDN docutils.sourceforge.net//DTD Docutils Generic//EN//XML" "http://docutils.sourceforge.net/docs/ref/docutils.dtd">
+<!-- Generated by Docutils 0.14 -->
+<document source="/home/grothoff/research/taler/exchange/contrib/tos/tos.rst">
+    <section ids="terms-of-service" names="terms\ of\ service">
+        <title>Terms Of Service</title>
+        <paragraph>Last Updated: 12.4.2019</paragraph>
+        <paragraph>Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+            through our Internet presence (collectively the “Services”). Before using our
+            Services, please read the Terms of Service (the “Terms” or the “Agreement”)
+            carefully.</paragraph>
+        <section ids="overview" names="overview">
+            <title>Overview</title>
+            <paragraph>This section provides a brief summary of the highlights of this
+                Agreement. Please note that when you accept this Agreement, you are accepting
+                all of the terms and conditions and not just this section. We and possibly
+                other third parties provide Internet services which interact with the Taler
+                Wallet’s self-hosted personal payment application. When using the Taler Wallet
+                to interact with our Services, you are agreeing to our Terms, so please read
+                carefully.</paragraph>
+            <section ids="highlights" names="highlights:">
+                <title>Highlights:</title>
+                <block_quote>
+                    <bullet_list bullet="•">
+                        <list_item>
+                            <paragraph>You are responsible for keeping the data in your Taler Wallet at all times
+                                under your control. Any losses arising from you not being in control of
+                                your private information are your problem.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>We will try to transfer funds we hold in escrow for our users to any legal
+                                recipient to the best of our ability within the limitations of the law and
+                                our implementation. However, the Services offered today are highly
+                                experimental and the set of recipients of funds is severely restricted.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>For our Services, we may charge transaction fees. The specific fee structure
+                                is provided based on the Taler protocol and should be shown to you when you
+                                withdraw electronic coins using a Taler Wallet. You agree and understand
+                                that the Taler protocol allows for the fee structure to change.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>You agree to not intentionally overwhelm our systems with requests and
+                                follow responsible disclosure if you find security issues in our services.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>We cannot be held accountable for our Services not being available due to
+                                circumstances beyond our control. If we modify or terminate our services,
+                                we will try to give you the opportunity to recover your funds. However,
+                                given the experimental state of the Services today, this may not be
+                                possible. You are strongly advised to limit your use of the Service
+                                to small-scale experiments expecting total loss of all funds.</paragraph>
+                        </list_item>
+                    </bullet_list>
+                </block_quote>
+                <paragraph>These terms outline approved uses of our Services. The Services and these
+                    Terms are still at an experimental stage. If you have any questions or
+                    comments related to this Agreement, please send us a message to
+                    <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>. If you do not agree to this Agreement, you must not
+                    use our Services.</paragraph>
+            </section>
+        </section>
+        <section ids="how-you-accept-this-policy" names="how\ you\ accept\ this\ policy">
+            <title>How you accept this policy</title>
+            <paragraph>By sending funds to us (to top-up your Taler Wallet), you acknowledge that you
+                have read, understood, and agreed to these Terms. We reserve the right to
+                change these Terms at any time. If you disagree with the change, we may in the
+                future offer you with an easy option to recover your unspent funds. However,
+                in the current experimental period you acknowledge that this feature is not
+                yet available, resulting in your funds being lost unless you accept the new
+                Terms. If you continue to use our Services other than to recover your unspent
+                funds, your continued use of our Services following any such change will
+                signify your acceptance to be bound by the then current Terms. Please check
+                the effective date above to determine if there have been any changes since you
+                have last reviewed these Terms.</paragraph>
+        </section>
+        <section ids="services" names="services">
+            <title>Services</title>
+            <paragraph>We will try to transfer funds that we hold in escrow for our users to any
+                legal recipient to the best of our ability and within the limitations of the
+                law and our implementation. However, the Services offered today are highly
+                experimental and the set of recipients of funds is severely restricted.  The
+                Taler Wallet can be loaded by exchanging fiat currencies against electronic
+                coins. We are providing this exchange service. Once your Taler Wallet is
+                loaded with electronic coins they can be spent for purchases if the seller is
+                accepting Taler as a means of payment. We are not guaranteeing that any seller
+                is accepting Taler at all or a particular seller.  The seller or recipient of
+                deposits of electronic coins must specify the target account, as per the
+                design of the Taler protocol. They are responsible for following the protocol
+                and specifying the correct bank account, and are solely liable for any losses
+                that may arise from specifying the wrong account. We will allow the government
+                to link wire transfers to the underlying contract hash. It is the
+                responsibility of recipients to preserve the full contracts and to pay
+                whatever taxes and charges may be applicable. Technical issues may lead to
+                situations where we are unable to make transfers at all or lead to incorrect
+                transfers that cannot be reversed. We will only refuse to execute transfers if
+                the transfers are prohibited by a competent legal authority and we are ordered
+                to do so.</paragraph>
+        </section>
+        <section ids="fees" names="fees">
+            <title>Fees</title>
+            <paragraph>You agree to pay the fees for exchanges and withdrawals completed via the
+                Taler Wallet (“Fees”) as defined by us, which we may change from time to
+                time. With the exception of wire transfer fees, Taler transaction fees are set
+                for any electronic coin at the time of withdrawal and fixed throughout the
+                validity period of the respective electronic coin. Your wallet should obtain
+                and display applicable fees when withdrawing funds. Fees for coins obtained as
+                change may differ from the fees applicable to the original coin. Wire transfer
+                fees that are independent from electronic coins may change annually.  You
+                authorize us to charge or deduct applicable fees owed in connection with
+                deposits, exchanges and withdrawals following the rules of the Taler protocol.
+                We reserve the right to provide different types of rewards to users either in
+                the form of discount for our Services or in any other form at our discretion
+                and without prior notice to you.</paragraph>
+        </section>
+        <section ids="eligibility" names="eligibility">
+            <title>Eligibility</title>
+            <paragraph>To be eligible to use our Services, you must be able to form legally binding
+                contracts or have the permission of your legal guardian. By using our
+                Services, you represent and warrant that you meet all eligibility requirements
+                that we outline in these Terms.</paragraph>
+        </section>
+        <section ids="financial-self-responsibility" names="financial\ self-responsibility">
+            <title>Financial self-responsibility</title>
+            <paragraph>You will be responsible for maintaining the availability, integrity and
+                confidentiality of the data stored in your wallet. When you setup a Taler
+                Wallet, you are strongly advised to follow the precautionary measures offered
+                by the software to minimize the chances to losse access to or control over
+                your Wallet data. We will not be liable for any loss or damage arising from
+                your failure to comply with this paragraph.</paragraph>
+        </section>
+        <section ids="copyrights-and-trademarks" names="copyrights\ and\ trademarks">
+            <title>Copyrights and trademarks</title>
+            <paragraph>The Taler Wallet is released under the terms of the GNU General Public License
+                (GNU GPL). You have the right to access, use, and share the Taler Wallet, in
+                modified or unmodified form. However, the GPL is a strong copyleft license,
+                which means that any derivative works must be distributed under the same
+                license terms as the original software. If you have any questions, you should
+                review the GNU GPL’s full terms and conditions at
+                <reference refuri="https://www.gnu.org/licenses/gpl-3.0.en.html">https://www.gnu.org/licenses/gpl-3.0.en.html</reference>.  “Taler” itself is a trademark
+                of Taler Systems SA. You are welcome to use the name in relation to processing
+                payments using the Taler protocol, assuming your use is compatible with an
+                official release from the GNU Project that is not older than two years.</paragraph>
+        </section>
+        <section ids="your-use-of-our-services" names="your\ use\ of\ our\ services">
+            <title>Your use of our services</title>
+            <paragraph>When using our Services, you agree to not take any action that intentionally
+                imposes an unreasonable load on our infrastructure. If you find security
+                problems in our Services, you agree to first report them to
+                <reference refuri="mailto:security@taler-systems.com">security@taler-systems.com</reference> and grant us the right to publish your report. We
+                warrant that we will ourselves publicly disclose any issues reported within 3
+                months, and that we will not prosecute anyone reporting security issues if
+                they did not exploit the issue beyond a proof-of-concept, and followed the
+                above responsible disclosure practice.</paragraph>
+        </section>
+        <section ids="limitation-of-liability-disclaimer-of-warranties" names="limitation\ of\ liability\ &amp;\ disclaimer\ of\ warranties">
+            <title>Limitation of liability &amp; disclaimer of warranties</title>
+            <paragraph>You understand and agree that we have no control over, and no duty to take any
+                action regarding: Failures, disruptions, errors, or delays in processing that
+                you may experience while using our Services; The risk of failure of hardware,
+                software, and Internet connections; The risk of malicious software being
+                introduced or found in the software underlying the Taler Wallet; The risk that
+                third parties may obtain unauthorized access to information stored within your
+                Taler Wallet, including, but not limited to your Taler Wallet coins or backup
+                encryption keys.  You release us from all liability related to any losses,
+                damages, or claims arising from:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>user error such as forgotten passwords, incorrectly constructed
+                        transactions;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>server failure or data loss;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>unauthorized access to the Taler Wallet application;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>bugs or other errors in the Taler Wallet software; and</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>any unauthorized third party activities, including, but not limited to,
+                        the use of viruses, phishing, brute forcing, or other means of attack
+                        against the Taler Wallet. We make no representations concerning any
+                        Third Party Content contained in or accessed through our Services.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>Any other terms, conditions, warranties, or representations associated with
+                such content, are solely between you and such organizations and/or
+                individuals.</paragraph>
+        </section>
+        <section ids="limitation-of-liability" names="limitation\ of\ liability">
+            <title>Limitation of liability</title>
+            <paragraph>To the fullest extent permitted by applicable law, in no event will we or any
+                of our officers, directors, representatives, agents, servants, counsel,
+                employees, consultants, lawyers, and other personnel authorized to act,
+                acting, or purporting to act on our behalf (collectively the “Taler Parties”)
+                be liable to you under contract, tort, strict liability, negligence, or any
+                other legal or equitable theory, for:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>any lost profits, data loss, cost of procurement of substitute goods or
+                        services, or direct, indirect, incidental, special, punitive, compensatory,
+                        or consequential damages of any kind whatsoever resulting from:</paragraph>
+                </list_item>
+            </enumerated_list>
+            <block_quote>
+                <enumerated_list enumtype="lowerroman" prefix="(" suffix=")">
+                    <list_item>
+                        <paragraph>your use of, or conduct in connection with, our services;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any unauthorized use of your wallet and/or private key due to your
+                            failure to maintain the confidentiality of your wallet;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any interruption or cessation of transmission to or from the services; or</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any bugs, viruses, trojan horses, or the like that are found in the Taler
+                            Wallet software or that may be transmitted to or through our services by
+                            any third party (regardless of the source of origination), or</paragraph>
+                    </list_item>
+                </enumerated_list>
+            </block_quote>
+            <enumerated_list enumtype="loweralpha" prefix="(" start="2" suffix=")">
+                <list_item>
+                    <paragraph>any direct damages.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>These limitations apply regardless of legal theory, whether based on tort,
+                strict liability, breach of contract, breach of warranty, or any other legal
+                theory, and whether or not we were advised of the possibility of such
+                damages. Some jurisdictions do not allow the exclusion or limitation of
+                liability for consequential or incidental damages, so the above limitation may
+                not apply to you.</paragraph>
+        </section>
+        <section ids="warranty-disclaimer" names="warranty\ disclaimer">
+            <title>Warranty disclaimer</title>
+            <paragraph>Our services are provided “as is” and without warranty of any kind. To the
+                maximum extent permitted by law, we disclaim all representations and
+                warranties, express or implied, relating to the services and underlying
+                software or any content on the services, whether provided or owned by us or by
+                any third party, including without limitation, warranties of merchantability,
+                fitness for a particular purpose, title, non-infringement, freedom from
+                computer virus, and any implied warranties arising from course of dealing,
+                course of performance, or usage in trade, all of which are expressly
+                disclaimed. In addition, we do not represent or warrant that the content
+                accessible via the services is accurate, complete, available, current, free of
+                viruses or other harmful components, or that the results of using the services
+                will meet your requirements. Some states do not allow the disclaimer of
+                implied warranties, so the foregoing disclaimers may not apply to you. This
+                paragraph gives you specific legal rights and you may also have other legal
+                rights that vary from state to state.</paragraph>
+        </section>
+        <section ids="indemntiy" names="indemntiy">
+            <title>Indemntiy</title>
+            <paragraph>To the extent permitted by applicable law, you agree to defend, indemnify, and
+                hold harmless the Taler Parties from and against any and all claims, damages,
+                obligations, losses, liabilities, costs or debt, and expenses (including, but
+                not limited to, attorney’s fees) arising from: (a) your use of and access to
+                the Services; (b) any feedback or submissions you provide to us concerning the
+                Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
+                violation of any law, rule, or regulation, or the rights of any third party.</paragraph>
+        </section>
+        <section ids="time-limitation-on-claims" names="time\ limitation\ on\ claims">
+            <title>Time limitation on claims</title>
+            <paragraph>You agree that any claim you may have arising out of or related to your
+                relationship with us must be filed within one year after such claim arises,
+                otherwise, your claim in permanently barred.</paragraph>
+        </section>
+        <section ids="governing-law" names="governing\ law">
+            <title>Governing law</title>
+            <paragraph>No matter where you’re located, the laws of Switzerland will govern these
+                Terms. If any provisions of these Terms are inconsistent with any applicable
+                law, those provisions will be superseded or modified only to the extent such
+                provisions are inconsistent. The parties agree to submit to the ordinary
+                courts in Zurich, Switzerland for exclusive jurisdiction of any dispute
+                arising out of or related to your use of the Services or your breach of these
+                Terms.</paragraph>
+        </section>
+        <section ids="termination" names="termination">
+            <title>Termination</title>
+            <paragraph>In the event of termination concerning your use of our Services, your
+                obligations under this Agreement will still continue.</paragraph>
+        </section>
+        <section ids="discontinuance-of-services" names="discontinuance\ of\ services">
+            <title>Discontinuance of services</title>
+            <paragraph>We may, in our sole discretion and without cost to you, with or without prior
+                notice, and at any time, modify or discontinue, temporarily or permanently,
+                any portion of our Services. We will use the Taler protocol’s provisions to
+                notify Wallets if our Services are to be discontinued. It is your
+                responsibility to ensure that the Taler Wallet is online at least once every
+                three months to observe these notifications. We shall not be held responsible
+                or liable for any loss of funds in the event that we discontinue or depreciate
+                the Services and your Taler Wallet fails to transfer out the coins within a
+                three months notification period.</paragraph>
+        </section>
+        <section ids="no-waiver" names="no\ waiver">
+            <title>No waiver</title>
+            <paragraph>Our failure to exercise or delay in exercising any right, power, or privilege
+                under this Agreement shall not operate as a waiver; nor shall any single or
+                partial exercise of any right, power, or privilege preclude any other or
+                further exercise thereof.</paragraph>
+        </section>
+        <section ids="severability" names="severability">
+            <title>Severability</title>
+            <paragraph>If it turns out that any part of this Agreement is invalid, void, or for any
+                reason unenforceable, that term will be deemed severable and limited or
+                eliminated to the minimum extent necessary.</paragraph>
+        </section>
+        <section ids="force-majeure" names="force\ majeure">
+            <title>Force majeure</title>
+            <paragraph>We shall not be held liable for any delays, failure in performance, or
+                interruptions of service which result directly or indirectly from any cause or
+                condition beyond our reasonable control, including but not limited to: any
+                delay or failure due to any act of God, act of civil or military authorities,
+                act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
+                interruption in telecommunications or Internet services or network provider
+                services, failure of equipment and/or software, other catastrophe, or any
+                other occurrence which is beyond our reasonable control and shall not affect
+                the validity and enforceability of any remaining provisions.</paragraph>
+        </section>
+        <section ids="assignment" names="assignment">
+            <title>Assignment</title>
+            <paragraph>You agree that we may assign any of our rights and/or transfer, sub-contract,
+                or delegate any of our obligations under these Terms.</paragraph>
+        </section>
+        <section ids="entire-agreement" names="entire\ agreement">
+            <title>Entire agreement</title>
+            <paragraph>This Agreement sets forth the entire understanding and agreement as to the
+                subject matter hereof and supersedes any and all prior discussions,
+                agreements, and understandings of any kind (including, without limitation, any
+                prior versions of this Agreement) and every nature between us. Except as
+                provided for above, any modification to this Agreement must be in writing and
+                must be signed by both parties.</paragraph>
+        </section>
+        <section ids="questions-or-comments" names="questions\ or\ comments">
+            <title>Questions or comments</title>
+            <paragraph>We welcome comments, questions, concerns, or suggestions. Please send us a
+                message on our contact page at <reference refuri="mailto:legal@taler-systems.com">legal@taler-systems.com</reference>.</paragraph>
+        </section>
+    </section>
+</document>
diff --git a/contrib/tos/locale/de/LC_MESSAGES/tos.po b/contrib/tos/locale/de/LC_MESSAGES/tos.po
new file mode 100644
index 000000000..4644a5c8a
--- /dev/null
+++ b/contrib/tos/locale/de/LC_MESSAGES/tos.po
@@ -0,0 +1,514 @@
+# SOME DESCRIPTIVE TITLE.
+# Copyright (C) 2014-2020 Taler Systems SA (GPLv3+ or GFDL 1.3+)
+# This file is distributed under the same license as the tos package.
+# FIRST AUTHOR <EMAIL@ADDRESS>, 2020.
+#
+#, fuzzy
+msgid ""
+msgstr ""
+"Project-Id-Version: tos 0\n"
+"Report-Msgid-Bugs-To: \n"
+"POT-Creation-Date: 2020-02-07 00:35+0100\n"
+"PO-Revision-Date: YEAR-MO-DA HO:MI+ZONE\n"
+"Last-Translator: FULL NAME <EMAIL@ADDRESS>\n"
+"Language-Team: LANGUAGE <LL@li.org>\n"
+"MIME-Version: 1.0\n"
+"Content-Type: text/plain; charset=utf-8\n"
+"Content-Transfer-Encoding: 8bit\n"
+"Generated-By: Babel 2.6.0\n"
+
+#: ../../tos.rst:2
+msgid "Terms Of Service"
+msgstr ""
+
+#: ../../tos.rst:4
+msgid "Last Updated: 12.4.2019"
+msgstr ""
+
+#: ../../tos.rst:6
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:12
+msgid "Overview"
+msgstr ""
+
+#: ../../tos.rst:14
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:23
+msgid "Highlights:"
+msgstr ""
+
+#: ../../tos.rst:25
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:28
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:32
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:36
+msgid ""
+"You agree to not intentionally overwhelm our systems with requests and "
+"follow responsible disclosure if you find security issues in our "
+"services."
+msgstr ""
+
+#: ../../tos.rst:38
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:45
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:52
+msgid "How you accept this policy"
+msgstr ""
+
+#: ../../tos.rst:54
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:67
+msgid "Services"
+msgstr ""
+
+#: ../../tos.rst:69
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:91
+msgid "Fees"
+msgstr ""
+
+#: ../../tos.rst:93
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:108
+msgid "Eligibility"
+msgstr ""
+
+#: ../../tos.rst:110
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:116
+msgid "Financial self-responsibility"
+msgstr ""
+
+#: ../../tos.rst:118
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:126
+msgid "Copyrights and trademarks"
+msgstr ""
+
+#: ../../tos.rst:128
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:140
+msgid "Your use of our services"
+msgstr ""
+
+#: ../../tos.rst:142
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:152
+msgid "Limitation of liability & disclaimer of warranties"
+msgstr ""
+
+#: ../../tos.rst:154
+msgid ""
+"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:"
+msgstr ""
+
+#: ../../tos.rst:164
+msgid ""
+"user error such as forgotten passwords, incorrectly constructed "
+"transactions;"
+msgstr ""
+
+#: ../../tos.rst:166
+msgid "server failure or data loss;"
+msgstr ""
+
+#: ../../tos.rst:167
+msgid "unauthorized access to the Taler Wallet application;"
+msgstr ""
+
+#: ../../tos.rst:168
+msgid "bugs or other errors in the Taler Wallet software; and"
+msgstr ""
+
+#: ../../tos.rst:169
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:174
+msgid ""
+"Any other terms, conditions, warranties, or representations associated "
+"with such content, are solely between you and such organizations and/or "
+"individuals."
+msgstr ""
+
+#: ../../tos.rst:179
+msgid "Limitation of liability"
+msgstr ""
+
+#: ../../tos.rst:181
+msgid ""
+"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:"
+msgstr ""
+
+#: ../../tos.rst:188
+msgid ""
+"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:"
+msgstr ""
+
+#: ../../tos.rst:192
+msgid "your use of, or conduct in connection with, our services;"
+msgstr ""
+
+#: ../../tos.rst:193
+msgid ""
+"any unauthorized use of your wallet and/or private key due to your "
+"failure to maintain the confidentiality of your wallet;"
+msgstr ""
+
+#: ../../tos.rst:195
+msgid "any interruption or cessation of transmission to or from the services; or"
+msgstr ""
+
+#: ../../tos.rst:196
+msgid ""
+"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"
+msgstr ""
+
+#: ../../tos.rst:200
+msgid "any direct damages."
+msgstr ""
+
+#: ../../tos.rst:202
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:210
+msgid "Warranty disclaimer"
+msgstr ""
+
+#: ../../tos.rst:212
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:229
+msgid "Indemntiy"
+msgstr ""
+
+#: ../../tos.rst:231
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:240
+msgid "Time limitation on claims"
+msgstr ""
+
+#: ../../tos.rst:242
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:247
+msgid "Governing law"
+msgstr ""
+
+#: ../../tos.rst:249
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:258
+msgid "Termination"
+msgstr ""
+
+#: ../../tos.rst:260
+msgid ""
+"In the event of termination concerning your use of our Services, your "
+"obligations under this Agreement will still continue."
+msgstr ""
+
+#: ../../tos.rst:264
+msgid "Discontinuance of services"
+msgstr ""
+
+#: ../../tos.rst:266
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:277
+msgid "No waiver"
+msgstr ""
+
+#: ../../tos.rst:279
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:285
+msgid "Severability"
+msgstr ""
+
+#: ../../tos.rst:287
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:292
+msgid "Force majeure"
+msgstr ""
+
+#: ../../tos.rst:294
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:305
+msgid "Assignment"
+msgstr ""
+
+#: ../../tos.rst:307
+msgid ""
+"You agree that we may assign any of our rights and/or transfer, sub-"
+"contract, or delegate any of our obligations under these Terms."
+msgstr ""
+
+#: ../../tos.rst:311
+msgid "Entire agreement"
+msgstr ""
+
+#: ../../tos.rst:313
+msgid ""
+"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."
+msgstr ""
+
+#: ../../tos.rst:321
+msgid "Questions or comments"
+msgstr ""
+
+#: ../../tos.rst:323
+msgid ""
+"We welcome comments, questions, concerns, or suggestions. Please send us "
+"a message on our contact page at legal@taler-systems.com."
+msgstr ""
+
diff --git a/contrib/tos/tos.rst b/contrib/tos/tos.rst
new file mode 100644
index 000000000..aff01001a
--- /dev/null
+++ b/contrib/tos/tos.rst
@@ -0,0 +1,324 @@
+Terms Of Service
+================
+
+Last Updated: 12.4.2019
+
+Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+through our Internet presence (collectively the “Services”). Before using our
+Services, please read the Terms of Service (the “Terms” or the “Agreement”)
+carefully.
+
+Overview
+--------
+
+This section provides a brief summary of the highlights of this
+Agreement. Please note that when you accept this Agreement, you are accepting
+all of the terms and conditions and not just this section. We and possibly
+other third parties provide Internet services which interact with the Taler
+Wallet’s self-hosted personal payment application. When using the Taler Wallet
+to interact with our Services, you are agreeing to our Terms, so please read
+carefully.
+
+Highlights:
+~~~~~~~~~~~
+
+    • You are responsible for keeping the data in your Taler Wallet at all times
+      under your control. Any losses arising from you not being in control of
+      your private information are your problem.
+    • We will try to transfer funds we hold in escrow for our users to any legal
+      recipient to the best of our ability within the limitations of the law and
+      our implementation. However, the Services offered today are highly
+      experimental and the set of recipients of funds is severely restricted.
+    • For our Services, we may charge transaction fees. The specific fee structure
+      is provided based on the Taler protocol and should be shown to you when you
+      withdraw electronic coins using a Taler Wallet. You agree and understand
+      that the Taler protocol allows for the fee structure to change.
+    • You agree to not intentionally overwhelm our systems with requests and
+      follow responsible disclosure if you find security issues in our services.
+    • We cannot be held accountable for our Services not being available due to
+      circumstances beyond our control. If we modify or terminate our services,
+      we will try to give you the opportunity to recover your funds. However,
+      given the experimental state of the Services today, this may not be
+      possible. You are strongly advised to limit your use of the Service
+      to small-scale experiments expecting total loss of all funds.
+
+These terms outline approved uses of our Services. The Services and these
+Terms are still at an experimental stage. If you have any questions or
+comments related to this Agreement, please send us a message to
+legal@taler-systems.com. If you do not agree to this Agreement, you must not
+use our Services.
+
+How you accept this policy
+--------------------------
+
+By sending funds to us (to top-up your Taler Wallet), you acknowledge that you
+have read, understood, and agreed to these Terms. We reserve the right to
+change these Terms at any time. If you disagree with the change, we may in the
+future offer you with an easy option to recover your unspent funds. However,
+in the current experimental period you acknowledge that this feature is not
+yet available, resulting in your funds being lost unless you accept the new
+Terms. If you continue to use our Services other than to recover your unspent
+funds, your continued use of our Services following any such change will
+signify your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes since you
+have last reviewed these Terms.
+
+Services
+--------
+
+We will try to transfer funds that we hold in escrow for our users to any
+legal recipient to the best of our ability and within the limitations of the
+law and our implementation. However, the Services offered today are highly
+experimental and the set of recipients of funds is severely restricted.  The
+Taler Wallet can be loaded by exchanging fiat currencies against electronic
+coins. We are providing this exchange service. Once your Taler Wallet is
+loaded with electronic coins they can be spent for purchases if the seller is
+accepting Taler as a means of payment. We are not guaranteeing that any seller
+is accepting Taler at all or a particular seller.  The seller or recipient of
+deposits of electronic coins must specify the target account, as per the
+design of the Taler protocol. They are responsible for following the protocol
+and specifying the correct bank account, and are solely liable for any losses
+that may arise from specifying the wrong account. We will allow the government
+to link wire transfers to the underlying contract hash. It is the
+responsibility of recipients to preserve the full contracts and to pay
+whatever taxes and charges may be applicable. Technical issues may lead to
+situations where we are unable to make transfers at all or lead to incorrect
+transfers that cannot be reversed. We will only refuse to execute transfers if
+the transfers are prohibited by a competent legal authority and we are ordered
+to do so.
+
+Fees
+----
+
+You agree to pay the fees for exchanges and withdrawals completed via the
+Taler Wallet ("Fees") as defined by us, which we may change from time to
+time. With the exception of wire transfer fees, Taler transaction fees are set
+for any electronic coin at the time of withdrawal and fixed throughout the
+validity period of the respective electronic coin. Your wallet should obtain
+and display applicable fees when withdrawing funds. Fees for coins obtained as
+change may differ from the fees applicable to the original coin. Wire transfer
+fees that are independent from electronic coins may change annually.  You
+authorize us to charge or deduct applicable fees owed in connection with
+deposits, exchanges and withdrawals following the rules of the Taler protocol.
+We reserve the right to provide different types of rewards to users either in
+the form of discount for our Services or in any other form at our discretion
+and without prior notice to you.
+
+Eligibility
+-----------
+
+To be eligible to use our Services, you must be able to form legally binding
+contracts or have the permission of your legal guardian. By using our
+Services, you represent and warrant that you meet all eligibility requirements
+that we outline in these Terms.
+
+Financial self-responsibility
+-----------------------------
+
+You will be responsible for maintaining the availability, integrity and
+confidentiality of the data stored in your wallet. When you setup a Taler
+Wallet, you are strongly advised to follow the precautionary measures offered
+by the software to minimize the chances to losse access to or control over
+your Wallet data. We will not be liable for any loss or damage arising from
+your failure to comply with this paragraph.
+
+Copyrights and trademarks
+-------------------------
+
+The Taler Wallet is released under the terms of the GNU General Public License
+(GNU GPL). You have the right to access, use, and share the Taler Wallet, in
+modified or unmodified form. However, the GPL is a strong copyleft license,
+which means that any derivative works must be distributed under the same
+license terms as the original software. If you have any questions, you should
+review the GNU GPL’s full terms and conditions at
+https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler” itself is a trademark
+of Taler Systems SA. You are welcome to use the name in relation to processing
+payments using the Taler protocol, assuming your use is compatible with an
+official release from the GNU Project that is not older than two years.
+
+Your use of our services
+------------------------
+
+When using our Services, you agree to not take any action that intentionally
+imposes an unreasonable load on our infrastructure. If you find security
+problems in our Services, you agree to first report them to
+security@taler-systems.com and grant us the right to publish your report. We
+warrant that we will ourselves publicly disclose any issues reported within 3
+months, and that we will not prosecute anyone reporting security issues if
+they did not exploit the issue beyond a proof-of-concept, and followed the
+above responsible disclosure practice.
+
+Limitation of liability & disclaimer of warranties
+--------------------------------------------------
+
+You understand and agree that we have no control over, and no duty to take any
+action regarding: Failures, disruptions, errors, or delays in processing that
+you may experience while using our Services; The risk of failure of hardware,
+software, and Internet connections; The risk of malicious software being
+introduced or found in the software underlying the Taler Wallet; The risk that
+third parties may obtain unauthorized access to information stored within your
+Taler Wallet, including, but not limited to your Taler Wallet coins or backup
+encryption keys.  You release us from all liability related to any losses,
+damages, or claims arising from:
+
+(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.
+
+Limitation of liability
+-----------------------
+
+To the fullest extent permitted by applicable law, in no event will we or any
+of our officers, directors, representatives, agents, servants, counsel,
+employees, consultants, lawyers, and other personnel authorized to act,
+acting, or purporting to act on our behalf (collectively the “Taler Parties”)
+be liable to you under contract, tort, strict liability, negligence, or any
+other legal or equitable theory, for:
+
+(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.
+
+Warranty disclaimer
+-------------------
+
+Our services are provided "as is" and without warranty of any kind. To the
+maximum extent permitted by law, we disclaim all representations and
+warranties, express or implied, relating to the services and underlying
+software or any content on the services, whether provided or owned by us or by
+any third party, including without limitation, warranties of merchantability,
+fitness for a particular purpose, title, non-infringement, freedom from
+computer virus, and any implied warranties arising from course of dealing,
+course of performance, or usage in trade, all of which are expressly
+disclaimed. In addition, we do not represent or warrant that the content
+accessible via the services is accurate, complete, available, current, free of
+viruses or other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer of
+implied warranties, so the foregoing disclaimers may not apply to you. This
+paragraph gives you specific legal rights and you may also have other legal
+rights that vary from state to state.
+
+Indemntiy
+---------
+
+To the extent permitted by applicable law, you agree to defend, indemnify, and
+hold harmless the Taler Parties from and against any and all claims, damages,
+obligations, losses, liabilities, costs or debt, and expenses (including, but
+not limited to, attorney’s fees) arising from: (a) your use of and access to
+the Services; (b) any feedback or submissions you provide to us concerning the
+Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third party.
+
+Time limitation on claims
+-------------------------
+
+You agree that any claim you may have arising out of or related to your
+relationship with us must be filed within one year after such claim arises,
+otherwise, your claim in permanently barred.
+
+Governing law
+-------------
+
+No matter where you’re located, the laws of Switzerland will govern these
+Terms. If any provisions of these Terms are inconsistent with any applicable
+law, those provisions will be superseded or modified only to the extent such
+provisions are inconsistent. The parties agree to submit to the ordinary
+courts in Zurich, Switzerland for exclusive jurisdiction of any dispute
+arising out of or related to your use of the Services or your breach of these
+Terms.
+
+Termination
+-----------
+
+In the event of termination concerning your use of our Services, your
+obligations under this Agreement will still continue.
+
+Discontinuance of services
+--------------------------
+
+We may, in our sole discretion and without cost to you, with or without prior
+notice, and at any time, modify or discontinue, temporarily or permanently,
+any portion of our Services. We will use the Taler protocol’s provisions to
+notify Wallets if our Services are to be discontinued. It is your
+responsibility to ensure that the Taler Wallet is online at least once every
+three months to observe these notifications. We shall not be held responsible
+or liable for any loss of funds in the event that we discontinue or depreciate
+the Services and your Taler Wallet fails to transfer out the coins within a
+three months notification period.
+
+No waiver
+---------
+
+Our failure to exercise or delay in exercising any right, power, or privilege
+under this Agreement shall not operate as a waiver; nor shall any single or
+partial exercise of any right, power, or privilege preclude any other or
+further exercise thereof.
+
+Severability
+------------
+
+If it turns out that any part of this Agreement is invalid, void, or for any
+reason unenforceable, that term will be deemed severable and limited or
+eliminated to the minimum extent necessary.
+
+Force majeure
+-------------
+
+We shall not be held liable for any delays, failure in performance, or
+interruptions of service which result directly or indirectly from any cause or
+condition beyond our reasonable control, including but not limited to: any
+delay or failure due to any act of God, act of civil or military authorities,
+act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
+interruption in telecommunications or Internet services or network provider
+services, failure of equipment and/or software, other catastrophe, or any
+other occurrence which is beyond our reasonable control and shall not affect
+the validity and enforceability of any remaining provisions.
+
+Assignment
+----------
+
+You agree that we may assign any of our rights and/or transfer, sub-contract,
+or delegate any of our obligations under these Terms.
+
+Entire agreement
+----------------
+
+This Agreement sets forth the entire understanding and agreement as to the
+subject matter hereof and supersedes any and all prior discussions,
+agreements, and understandings of any kind (including, without limitation, any
+prior versions of this Agreement) and every nature between us. Except as
+provided for above, any modification to this Agreement must be in writing and
+must be signed by both parties.
+
+Questions or comments
+---------------------
+
+We welcome comments, questions, concerns, or suggestions. Please send us a
+message on our contact page at legal@taler-systems.com.